Hi All, Me and my spouse are thinking of getting a maternity insurance. Any recommendations? Or anyone have other opinions that it is not needed? Would appreciate if parents out there can help.

You may want to first check what your current hospital plan already covers for pregnancy complications and newborn conditions.

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Maternity insurance usually adds extra coverage for specific complications, but there are waiting periods and higher premiums.

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It helps to compare the coverage, exclusions, and total cost before deciding.

We been through the similar situation in year 2024. After hearing from some friends (they bought & irrc one of them utilised it so "highly raving" about it), we realised the concerns we have are not covered by this type of insurance. On top of that, the prenantal checks were all alright, so in the end we didnt go ahead. Main reason was this maternity insurance is highly tied to ILP (not sure if it has since changed).

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If I were to go ahead, the intent was also to stop paying when the baby come out healthy & normal, & thereafter able to get normal standard insurance.