Hey, this is such an important question! From what I've heard from other mums, the key thing is getting maternity coverage sorted early, ideally by around 24 weeks of pregnancy, because once you're past that, most insurers won't take you on or will exclude pregnancy-related claims. For the baby, you actually have more flexibility and can add coverage after birth without losing out on options, so don't stress about that timeline as much. The tricky part is that maternity plans can be pricey and have waiting periods, so the earlier you lock it in, the better. A friend went through AIA and said the process was straightforward, though she wished she'd started earlier to understand all her options better, some plans cover more than others depending on whether you're going private or public. Really worth having a chat with your doctor or an insurance agent to see what fits your situation, since costs and coverage vary quite a bit!
I got it from great eastern. Usually insurance only can get after week 12. Best to get it around this period. Don’t get it after week 20 detail scan or week 24-28 gestational diabetes test as it will not be covered if anything happens.
Ang Ban Chong