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Type 2 diabetic mums buying newborn insurance

Hello mummies! Any one can advise me on which company of newborn insurance should I purchase as I’m approaching 13w! What happens if I already have pre-existing type 2 DM before buying insurance? Will they not cover me/baby fully? Possible to share with me the costs as well? Thanks a lot!! #babyinsurance

Hi! Congrats on reaching 13 weeks! So from what I've gathered chatting with other mums, most insurers here do cover babies born to mothers with pre-existing type 2 diabetes, the good news is your baby's policy itself isn't usually affected by your condition, since baby starts from a clean slate health-wise. However, your own maternity and pregnancy-related claims can get tricky; some plans exclude or limit coverage for complications linked to your diabetes, so you really need to read the fine print carefully and declare everything upfront. Cost-wise, newborn policies typically run anywhere from a few hundred to over a thousand dollars depending on the coverage level and insurer, but honestly the variation is quite wide. A friend went through Prudential and said they were pretty transparent about what would and wouldn't be covered given her pre-existing conditions, worth asking each company directly for a detailed breakdown rather than guessing. The key thing is to compare what each plan says about maternity exclusions and how they handle pre-existing conditions, because that's where the real differences show up. Definitely worth having a chat with your doctor or a financial advisor who knows the local policies too, just to make sure you're picking something that actually works for your situation!

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