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Maternity Insurance – What it is and why you need it. 

Getting real about baby blues

Preparing for your child’s arrival is an exciting time. However, it is also undeniably a stressful period as you monitor the health of your unborn child. 9 months later, you welcome the arrival of your little bundle of joy. It marks the start of a very important and exciting chapter in your life and yet the stress and worry about your child remains.

You may consider getting a maternity insurance to cover unforeseen events, which can help to alleviate some of the financial stress should unplanned events happen.

What is maternity insurance?

Maternity insurance is mostly a single premium term insurance that provides coverage to both the mother and baby during pregnancy and for a specified period after birth. Getting a maternity insurance will give you a peace of mind as you and your baby will be financially covered if the unexpected happens. 

What is the importance of maternal mental health?

Motherhood seems like a wonderful reality to prepare for, but beyond those Instagram-worthy moments, many soon-to-be mothers find themselves suddenly hit by overwhelming emotions post-delivery. Between care giving and battling fatigue, they struggle to handle the necessary day-to-day tasks as a new mother.

While it is inevitable to shower most of the attention on the new baby, it is important to check in on the mother regularly to see if they are coping well both physically and emotionally. If not discovered early, some new mothers might develop Postnatal Depression over time.

What is Postnatal Depression (PND)?

Postnatal depression (PND), sometimes referred to as post-partum depression, is sometimes confused with baby blues. Unlike baby blues, PND is an illness that's unlikely to get better as quickly as baby blues, and without help1. According to Health Hub Singapore, postnatal depression affects one in 10 women who have recently given birth1.

What are the symptoms of Postnatal Depression (PND)? 

According to Health Hub Singapore, these are the common symptoms of PND.

  • Low/sad mood
  • Irritability
  • Extreme tiredness with no energy
  •  A loss of interest in activities
  • Poor sleep
  • A sense of hopelessness
  • A sense of guilt
  • Lack of appetite
  • Tearfulness
  • Anxiety
  • Physical symptoms such as body aches
  • Negative feelings towards your baby

How is Postnatal Depression (PND) treated?

Recognising the symptoms and seeking the help of a mental health professional as soon as possible is the key to receiving immediate treatment.  For milder forms of depression, patients can be treated by going through counselling sessions with a psychotherapist or joining a support group. For more severe patients, medication will be required along with psychological therapy1

Get sufficient financial coverage for a peace of mind

At the end of the day, pregnancy is a wonderful, beautiful journey in your life. Get a peace of mind with coverage for unforeseen situations to enjoy this journey to the fullest. 

What Maternity insurance plan can I get?

Awarded the “Best Maternity Insurance Plan for Mother and Child” for the fourth consecutive year2, Manulife’s ReadyMummy Maternity Insurance plan3 takes care of your needs for a worry-free parenthood. This 3-year maternity plan starts as early as 13 weeks into the pregnancy and protects the mother against 14 pregnancy complications4 at 100% of the sum insured, including the unfortunate event of miscarriage due to accident. This plan also covers the baby against 24 congenital illnesses4 at 100% of the sum insured. In addition, ReadyMummy is the first of its kind to cover psychotherapy treatment[SMY1] 5 to provide mental wellness support for the mother.

 

ReadyMummy

A 3-year maternity plan1 that provides protection for the expecting mother from as early as 13 weeks into the pregnancy and the child from birth, to policy year 3. 

 

 

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    Disclaimer

    Manulife ReadyMummy is underwritten by Manulife (Singapore) Pte. Ltd. (Reg. No. 198002116D). This advertisement has not been reviewed by the Monetary Authority of Singapore. Buying a life insurance policy is a long-term commitment. This policy has no cash value. Buying health insurance products that are unsuitable for you may affect your ability to finance your future healthcare needs. This article is for your information only and does not consider your specific investment objectives, financial situation or needs. It is not a contract of insurance and is not intended as an offer or recommendation to purchase the plan. You can find the full terms and conditions, details, and exclusions for the mentioned insurance product(s) in the policy contract.

    The policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us or visit the LIA or SDIC websites (www.lia.org.sg or www.sdic.org.sg).

    We recommend that you seek advice from a Manulife Financial Consultant or our Appointed Distributors before making a commitment to purchase a policy.

    a policy.

    Footnotes

    1. https://www.healthhub.sg/live-healthy/1676/understanding-postnatal-depression

    2. https://parentsworld.com.sg/2022/04/05/best-maternity-insurance-plan-for-mother-and-child-4/

    3. This plan covers up to 2 biological children born from a single pregnancy; and singleton pregnancy (only 1 biological child) from assisted reproduction techniques without complications. Only 1 maternity plan is allowed for each pregnancy.

    4. Please refer to the policy contract for definitions of covered conditions.

    5. Upon diagnosis of Major Depressive Disorder (MDD) or Generalised Anxiety Disorders (GAD), the mother must have been on medication prescribed by a registered psychiatrist and undergoing regular psychotherapy treatment, for at least 6 continuous months.


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