Maternity insurance
Mummies, which maternity insurance did you get during ur pregnancy. (Singleton/Multiple). I’m looking for the standalone ones, not wholelife plan. Kindly share. Thank u.
I would go for manulife if I wanted a stand-alone plan. But because we decided to be kiasu for first child, we went for AIA whole life. Honestly it is very difficult to make any claims to the maternity insurance - I don’t see a point in buying it. You have to be in super severe and critical state in order to be eligible to claim and even then it’s $5k or $10k max, depends how much coverage you buy. If you’re already in that kind of critical state, $5-10k is really not much help as you’ll likely be in ICU and cost is definitely not cheap. Make sure you check with agent in what scenario can you make claims. If you are a high risk pregnancy then yes, perhaps it will make sense to get the maternity insurance. Else if it’s going well you may consider not getting any.
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