Maternity Insurance
Please let me know which insurer you bought from or intending to buy from and why.
HSBC life treasures and empoweredmom. same as AIA, can transfer hsbc life treasures to baby. empoweredmom covers pregnancy complications during and after birth for 3 years. I got this one over AIA because: for example: AIA is $150k flat coverage, when baby is 65 years old the coverage will drop to $75k plus bonuses. for similar coverage, HSBC is $154k plus bonuses (increases if HSBC declares bonuses) all the way. Also HSBC will allow based on life milestones (e.g., starting primary school, starting secondary school, getting married, etc.) for us/child to increase coverage without the need for underwriting. But the good thing about AIA is that there is no underwriting for baby's Integrated Shield Plan if you buy the Mum2Baby maternity plan from them
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