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Maternity Insurance

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earthfriendly
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Re: Maternity Insurance

Postby earthfriendly » Thu, 13 Oct 2016 11:43 pm

Subsidies are only offered at govt hospital? Do you have a hospital in mind? Best to contact them for verification. These links may be useful. Quite a few policies offering over $500k coverage, although not sure if they impose lower limit per incident / event? Be sure to inquire about coverage for the newborn, not just just maternity insurance. These kind of plans have waiting period. So you need to plan ahead.

https://www.pacificprime.sg/plans/maternity-insurance/

http://www.pacificprime.sg/assets/guide ... 5-SG20.pdf

UMichGrad
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Re: Maternity Insurance

Postby UMichGrad » Fri, 14 Oct 2016 4:34 pm

earthfriendly wrote:Subsidies are only offered at govt hospital? Do you have a hospital in mind? Best to contact them for verification. These links may be useful. Quite a few policies offering over $500k coverage, although not sure if they impose lower limit per incident / event? Be sure to inquire about coverage for the newborn, not just just maternity insurance. These kind of plans have waiting period. So you need to plan ahead.

https://www.pacificprime.sg/plans/maternity-insurance/

http://www.pacificprime.sg/assets/guide ... 5-SG20.pdf


Hi earthfriendly, thank you for the information but I have actually been quoted for Pacific Prime and they are quite expensive because they offer much more coverage than I need (we already have health insurance on my wife). So I am trying to see if there are other options out there.

I am looking at KKH and plan on going there tomorrow morning to get some information first hand to see what subsidies my wife can get as a SPR. I will update as I learn more. I also have a meeting with an insurance person on Wednesday that sells plans for multiple local companies.

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Re: Maternity Insurance

Postby taxico » Sat, 15 Oct 2016 8:59 am

earthfriendly wrote:Taxico, I am really not sure how your above post is going to help OP with his question. All he wanted was to provide for himself and his family, medically speaking. He is practising responsible fatherhood. So much for compassion. Coming from a doctor, himself!


i think i tried to help, albeit unsuccessfully. i also understand why he wants the cover he seeks.

but if he's hoping the insurance plan he seeks in another country be commonplace, simply because it's the norm for him - i think that's not right.

you may believe healthcare costs are affordable to all americans. i disagree.
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Re: Maternity Insurance

Postby sundaymorningstaple » Sat, 15 Oct 2016 9:32 am

taxico wrote:you may believe healthcare costs are affordable to all americans. i disagree.


^^Innit the truth! It's one of the reasons I stay here.

UMichGrad
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Re: Maternity Insurance

Postby UMichGrad » Sat, 15 Oct 2016 9:56 am

taxico wrote:
earthfriendly wrote:Taxico, I am really not sure how your above post is going to help OP with his question. All he wanted was to provide for himself and his family, medically speaking. He is practising responsible fatherhood. So much for compassion. Coming from a doctor, himself!


i think i tried to help, albeit unsuccessfully. i also understand why he wants the cover he seeks.

but if he's hoping the insurance plan he seeks in another country be commonplace, simply because it's the norm for him - i think that's not right.

you may believe healthcare costs are affordable to all americans. i disagree.



I never once expected that just because a plan existed in the USA that it'd exist elsewhere. I brought up the topic to showcase why I was looking for such a plan, that it is something I am used to couples having and if there is a plan here that has similar coverage, I was seeking advice as to where to find it. This wasn't an advocacy of USA insurance vs Singapore insurance. Singapore insurance is by far cheaper. Please stick to the topic. I'm just seeking advice.

earthfriendly
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Re: Maternity Insurance

Postby earthfriendly » Sat, 15 Oct 2016 10:04 am

All I see is a person seeking for opinions and answers regarding coverage / cost for his family. I shall read no more or no less into it. I am not interested in the USA healthcare affordability debate. Or trying to argue my way to prove that my opinion is the rightest of all. I am out of that game. The game of upmanship.

Anyway, his was an innocent question. On why Singaporeans aren't as focused on health insurance. Him coming for USA, with its complicated maze of medical networks. Plus not having luck after working with an insurance agent in SG. Very easily, I can relate and empathize with his way of thinking. Completely. You are an American? A practising doctor in America? And you also practice in Singapore? Have you not experienced what he did? The stark differences between the two systems. That are not easily reconciled. Especially since he is fairly new to all this. Are you not able to understand his POV?
Last edited by earthfriendly on Sat, 15 Oct 2016 10:34 am, edited 1 time in total.

earthfriendly
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Re: Maternity Insurance

Postby earthfriendly » Sat, 15 Oct 2016 10:07 am

UMichGrad, I understood you completely. There is no explanation needed on your part. At least for me.

earthfriendly
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Re: Maternity Insurance

Postby earthfriendly » Sat, 15 Oct 2016 10:13 am

UMichGrad wrote:This wasn't an advocacy of USA insurance vs Singapore insurance.


Chip on shoulder comes to mind. I did not even have the smallest inkling of that. I did not sense you practising upmanship. Your question was perfectly justified. Perfectly innocent.

earthfriendly
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Re: Maternity Insurance

Postby earthfriendly » Sat, 15 Oct 2016 11:23 am

UMichGrad wrote:
earthfriendly wrote:Subsidies are only offered at govt hospital? Do you have a hospital in mind? Best to contact them for verification. These links may be useful. Quite a few policies offering over $500k coverage, although not sure if they impose lower limit per incident / event? Be sure to inquire about coverage for the newborn, not just just maternity insurance. These kind of plans have waiting period. So you need to plan ahead.

https://www.pacificprime.sg/plans/maternity-insurance/

http://www.pacificprime.sg/assets/guide ... 5-SG20.pdf


Hi earthfriendly, thank you for the information but I have actually been quoted for Pacific Prime and they are quite expensive because they offer much more coverage than I need (we already have health insurance on my wife). So I am trying to see if there are other options out there.




I read somewhere that it is uncommon (impossible?) to get standalone maternity insurance. It is usually bundled with other types of insurance.

earthfriendly
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Re: Maternity Insurance

Postby earthfriendly » Sat, 15 Oct 2016 11:29 am

Much more coverage? "More" as in higher payout or "more" as in they are covering more conditions, not just maternity and newborn?

UMichGrad
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Re: Maternity Insurance

Postby UMichGrad » Sat, 15 Oct 2016 2:03 pm

earthfriendly wrote:Much more coverage? "More" as in higher payout or "more" as in they are covering more conditions, not just maternity and newborn?


It is a full International health insurance plan with maternity coverage. We pay less than S$500 a year for her shield plan and wouldn't take advantage of the International component and the plans Pacific Prime she has been quoted for have been all north of $4k USD. It is an option, I'm just seeing if there is something cheaper.

xinjie86
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Re: Maternity Insurance

Postby xinjie86 » Wed, 01 Feb 2017 1:44 pm

Hi there, I know that Prudential does have PRUfirst gift that covers what you are looking for. I agree with you that most Singaporeans do not buy maternity insurance. For me, it is because we have Medishield or Prushield that covers 100% of my hospital charges so I do not need more. In terms of birth defects, I may be wrong but the risk is lower with all the health check up and diagnostics that we go through.

Hope this helps!


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