Singapore Mother and Child Insurance Plan Comparison

Oh well.. I have been really anxious about my first pregnancy and have done a quick research of all the insurance available in the market for Mother and Baby. Personally, I think most of them covered more or less the same. But as almost all of them requires ILP (Investment Linked Plan), which none of them gave a guaranteed returns, thus I already have a couple of plans for myself so I do need see how it is important to add on ILP. The good thing is ILP can be transferred to the baby without any underwriting and provides a "savings" even before the child is born. I bought Grest Eastern, which gave pretty much all the coverage I need with no addition ILP that bind me up for a year at least..

Here's a quick comparison that you may find it useful for your own decision.
(Downloadable pdf here:)

		AIA First Baby	AXA's Mum's Advantage with Mum's Care	AXA's Mum's Advantage with Mum's Care Plus	Great Eastern Flexi Maternity with Essential Plan	Great Eastern Flexi Maternity with Enhanced Plan	PRUfirst gift
General	Premium	S$448.92 ($37.41/mth)	S$455.80	S$1,491.45	S$561	S$1005	S320
	Coverage Criteria:	• Mother of 18 - 45 yo • 18 and 32 weeks of pregnancy	• Mother of 18 - 45 yo • 16 and 36 weeks of pregnancy	• Mother of 18 - 45 yo • 16 and 36 weeks of pregnancy	• Mother of 18 - 45 yo • 13 weeks till 30 days after child birth	• Mother of 18 - 45 yo • 13 weeks till 30 days after child birth	• Mother of 19 - 45 yo • 18  till 32 weeks
Mum's Coverage	Conception through IVF	Y	Y, with extra premium loading	Y, with extra premium loading	N	N	N
	Pregnancy Complications Coverage	S$5,000 for the following 8:	S$5,000 for the following 10:	S$12,000 for the following 10:	S$5,000 for the following 8:	S$10,000 for the following 8:	S$5,000 for the following 7:
	Still Birth (after the 28 week gestation)	Y	Y	Y	Y	Y	Y
	Pre-Eclampsia or Eclampsia (high blood pressure) (after 20 weeks of pregnancy)	Y	Y	Y	Y	Y	Y
	Abruptio Placentae (premature separation of the placenta from the uterus) (after 20 weeks of pregnancy)	Y	Y	Y	Y	Y	Y
	Postpartum Haemorrhage requiring Hysterectomy (loss of more than 500 ml or 1,000 ml of blood within the first 24 hours following childbirth, requiring the removal or uterus)	Y	Y	Y	Y	Y	Y
	Amniotic Fluid Embolism (rare emergency in which amniotic fluid, fetal cells, hair, or other debris enters the mother's blood stream via the placental bed of the uterus and triggers an allergic-like reaction.)	Y	Y	Y	Y	Y	Y
	Fatty Liver of Pregnancy	Y	Y	Y	Y	Y	Y
	Disseminated Intravascular Coagulation (widespread activation of the clotting cascade that results in the formation of blood clots in the small blood vessels)	Y	Y	Y	Y	Y	Y
	Placenta Increta/Percreta (Placenta Increta occurs when the placenta attaches even deeper into the uterine wall and does penetrate into the uterine muscle; Placenta Percreta occurs when the placenta penetrates through the entire uterine wall and attaches to another organ such as the bladder)	Y	Y	Y	Y	Y
	Uterine Rupture		Y	Y
	HELLP Syndrome (Haemolysis, elevated liver enzymes, low platelet count)		Y	Y
	Hospital Care Benefit	S$100 per day (max 30 days) up to a limit of S$3,000	S$100 per day (max 30 days) up to a limit of S$3,000	S$200 per day (max 30 days) up to a limit of S$6,000	S$100 per day (max 30 days) up to a limit of S$3,000	S$200 per day (max 30 days) up to a limit of S$6,000	S$100 per day (max 25 days) up to a limit of S$2,500
	Death	S$5,000	S$5,000	S$15,000	S$5,000	S$10,000	S$5,000
	TPD	With rider	NA	NA	Yes, Shared amount of S$5,000	Yes, Shared amount of S$5,000	NA
Child's Coverage	Congenital Illness Coverage:	S$5,000 payment for the following 18:	S$5,000 payment for the following 18:	S$12,000 payment for the following 18:	S$5,000 payment for the following 18:	S$10,000 payment for the following 18:	S$5,000 payment for the following 17:
	Anal Atresia (The anus is either not present or it is in the wrong place)	Y	Y	Y	Y	Y	Y
	Congenital Cataract (clouding of the lens of the eye)	Y	Y	Y	Y	Y	Y
	Congenital Deafness	Y	Y	Y	Y	Y	Y
	Congenital Diaphragmatic Hernia (hole in the diaphragm allows abdominal organs to move into the chest)	Y	Y	Y	Y	Y	Y
	Infantile Hydrocephalus (abnormal accumulation of cerebrospinal fluid (CSF) in the brain)	Y	Y	Y	Y	Y	Y
	Tetralogy Fallot (4 heart malformation that present together, 1 of which is SUPER RARE)	Y	Y	Y	Y	Y	Y
	Transposition of great vessel (Congenital heart diseases involving only the primary arteries)	Y	Y	Y	Y	Y	Y
	Retinopathy pf Prematurity (abnormal blood vessels to grow in the retina)	Y	Y	Y	Y	Y	Y
	Atrial Septal Defect (congenital heart defect in which blood flows between the atria (upper chambers) of the heart)	Y	Y	Y	Y	Y	Y
	Ventricular Septal Defect (is a hole in the wall that separates the right and left ventricles of the heart)	Y	Y	Y	Y	Y	Y
	Down's Syndrome	Y	Y	Y	Y	Y	Y
	Spina Bifida (incomplete closing of the backbone and membranes around the spinal cord)	Y	Y	Y	Y	Y	Y
	Absence of two limbs	Y	Y	Y	Y	Y	Y
	Cleft Palate/ Cleft Lip	Y	Y	Y	Y	Y	Y
	Cerebral Palsy (a group of neurological disorders that appear in infancy or early childhood and permanently affect body movement, muscle coordination, and balance)	Y	Y	Y	Y	Y	Y
	Club Foot (deformed foot which is twisted so that the sole cannot be placed flat on the ground)	Y	Y	Y	Y	Y	Y
	Congenital Dislocation of Hip (formation of the hip joint is abnormal)	Y	Y	Y	Y	Y	Y
	Truncus Arteriosus (rare type of heart disease that occurs at birth (Rare congenital heart disease, in which a single blood vessel (truncus arteriosus) comes out of the right and left ventricles)	Y	Y	Y	Y	Y
	Death due to Congenitial Illness	?	?	?	S$5,000	S$10,000	?
	Hospital Care Benefit of the following conditions:	S$100 per day (max 30 days) or up to a limit of S$3,000 for:	S$100 per day (max 30 days) or up to a limit of S$3,000 for:	S$200 per day (max 30 days) or up to a limit of S$6,000 for:	S$100 per day (max 30 days) or up to a limit of S$3,000 for:	S$200 per day (max 30 days) or up to a limit of S$6,000 for:	S$100 per day (max 25 days) or up to a limit of S$2,500 for:
	• Incubation of a newborn child for more than 3 consecutive days immediately following birth;	Y	Y	Y	Y	Y	y
	• Premature birth requiring care in neonatal Intensive Care Unit (ICU)/ High Dependency Unit (HDU);	Y	Y	Y	Y	Y	y
	• Inpatient hospitalisation due to Hand, Foot and Mouth Disease; or	Y	Y	Y	Y, (admission to ICU only)	Y, (admission to ICU only)	y
	• Admission into ICU/HDU	Y	Y	Y	Y	Y
	• Dengue Fever				Y, (admission to ICU only)	Y, (admission to ICU only)
	• Pneumonia				Y, (admission to ICU only)	Y, (admission to ICU only)
	• Bronchitis				Y, (admission to ICU only)	Y, (admission to ICU only)
Misc	Others:
	Option to transfer to policy cover from mother to child without medical underwriting (60 day written notification from parents from date of birth)	Y	Y, (opt to transfer INSPIRETM FlexiProtector/ INSPIRETM FlexiSaver to the child up to the sum assured of $200,000 with no further underwriting.)	Y, (opt to transfer INSPIRETM FlexiProtector/ INSPIRETM FlexiSaver to the child up to the sum assured of $200,000 with no further underwriting.)	Y, S$108 premium voucher given, which can be used to purchase Smart Life Advantage or TotalShield plan for your newborn as early as 15 days after your child is born.	Y, S$108 premium voucher given, which can be used to purchase Smart Life Advantage or TotalShield plan for your newborn as early as 15 days after your child is born.	Y
		Must add ILP: Regular premium: $130/mth	Must add ILP: Regular premium: $110/mth	Must add ILP: Regular premium: $110/mth			Must add ILP: Regular premium: $100 and above