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干货分享，新加坡孕期保险

孕期是女性生命中非常重要的阶段，不仅需要关心自己的身体状况和情绪变化，还要为即将出生的宝宝做好准备。在新加坡，孕期保险被许多初次为人父母的家庭所关注，它能够为孕妇和新生儿提供全面的保障。本文分享新加坡的孕期保险，帮助大家更好地了解孕期保险的类型和保障内容。
新加坡与怀孕相关的三大类型保险
以下表格是从何时可以购买，主要的保障范围和保费高低进行了一个简单对比总结。

干货分享，新加坡孕期保险 — Engage

第一种：高端医疗
新加坡的孕期保险通常不提供产检和正常分娩的费用，但有一些高端的医疗险提供这两方面的保障。此类保险需要的等候期较长，至少24个月。保费较高，2年以上的保费可能比正常生产的费用还要多，所以会适合本就需要高端医疗的准妈妈，孕期保障是作为其中一个附加利益。
第二种：住院保险
在新加坡购买的住院保险（7家提供IP住院险的保险公司）都有保障妊娠并发症，新加坡卫生部（MOH）2019年公布终身健保的涵盖范围进一步扩大，孕妇因各种怀孕或生产时出现的并发症而住院也可索赔。这为那些因这些并发症而可能面对巨额住院费的准父母提供了更多保障。
敲重点：住院险对于妊娠并发症有10个月的等候期，所以已经结婚的女性，不要等到怀孕了才想起要买保险。另外，已经购买了保险且有育儿计划的，不要轻易更换保险公司，一经转换，10个月的等候期重新算起。我就有遇到没能满足10个月等候期，而出现妊娠并发症被拒赔的例子。在新加坡工作和生活，住院险是刚需，所以住院保险是提供孕期保障的保险第一选。
第三种：怀孕中购买的孕期保险
从怀孕的第13周开始，36周之前购买。这一类孕险是一份一次付保费为期3年的生育保险计划，除了让已经怀孕13周的准妈妈获得怀孕保障，也向出生后的小婴儿提供幼儿保护，直到第3个保单年度结束为止。购买上分独立购买或者需要一起购买其他的保险，如寿险、年金险等。
  • 主要有3大保障：
  • 1. 妈妈孕期并发症和孩子先天疾病，保额通常是5千到2万新币。
  • 2. 孕妇和婴儿因异常状况住院时的住院津贴，每日50-500不等。
  • 3. 婴儿出生后的保险优先购买权。

前2大保障额度不是很高，很多父母更在意的是第三个保险优先购买权。

通常情况下，如果婴儿早产，其他一切都正常，通常要等2年后才能申请保险。

如果出生后被发现有先天疾病，保险公司不能立即对婴儿承保，而是要观察若干年（通常是6年）后才会重新考虑对孩子承保。这给很多父母带来烦恼，因为不能买保险的话，除了先天疾病之外，孩子因其他疾病例如严重流感，或者小龄宝宝容易感染的支气管炎需要住院，都没有保障。

为了在婴儿出生之前消除这种顾虑，有些孕期保险会允许婴儿出生后一定期限内，能够购买重疾、住院等基本保险。虽然保险生效前发现的先天疾病会被排除责任，但至少与已发现的先天疾病无关的还是有保障的。这给了父母一颗定心丸，尤其是高龄产妇，所以在孕期保险的利益中越来越受到大家的重视，具体保障内容参考购买的保险合同。

最后：
常见的孕期保险索赔主要包括妊娠糖尿病、大出血、妈妈乳腺发炎、儿童早产、先天性心脏病（卵圆孔未闭）、黄疸照光和妈妈产后感染住院等。
本人的两个宝宝都是在新加坡出生的，对于私立和公立私人医生的产检和生产住院流程比较了解，以及各大医院有哪些非常专业和受欢迎的妇产科医生。想要了解相关的信息，欢迎与我联系。

最后，祝所有准妈妈们度过一个愉快的孕期，并迎来健康的宝宝👶👧

欢迎添加微信联系： hongnasg， WA： +6591689137

Important: The information and opinions in this article are for general information purposes only. They should not be relied on as professional financial advice. Readers should seek unbiased financial advice that is customised to their specific financial objectives, situations & needs. This advertisement or publication has not been reviewed by the Monetary Authority of Singapore.

Published By:

Wang Hongna Anna

您好，我是洪娜（Hongna），现任新加坡最大独立理财顾问公司 Financial Alliance 鑫盟理财的资深理财顾问，拥有8年从业经验，持有国际金融理财师CFP®认证及AEPP高级认证，并荣获新加坡银行与金融学院（IBF）高级认证。

我专注为职场人士、家庭及企业提供全方位的财务保障和理财规划服务，特别致力于成为在新加坡的华人、新移民及其公司最值得信赖的财务规划伙伴。

我从单一保险公司起步，现已全面转型为独立理财顾问，始终秉持“客户优先”的原则，为客户提供中立、客观、专业的财务建议。无论是医疗保险索赔、教育与养老规划，还是企业员工福利与商业保险，我都能为您量身定制解决方案。

我希望成为您家庭和企业财务的“急救工具箱”，在风险来临前预先准备好合适的工具，在关键时刻提供及时、准确的帮助。

我的服务范围包括：
🔹 医疗与人寿保险规划（风险管理）
🔹 教育与退休金规划
🔹 财富保障与投资组合规划及年检
🔹 遗产与传承规划（CPF提名、LPA、遗嘱等）
🔹 企业员工福利保险、商业财产险等

欢迎添加我成为您的理财伙伴，为您的家庭与企业保驾护航。

Hello, I’m Hongna, a Senior Financial Advisor at Financial Alliance – the largest Independent Financial Advisory (IFA) firm in Singapore – with 8 years of experience in the industry. I hold the CFP® (Certified Financial Planner), AEPP certification, and the IBF Advanced Level accreditation from the Institute of Banking and Finance Singapore.

I specialize in delivering holistic financial protection and planning solutions for professionals, families, and business owners – with a particular focus on Chinese expatriates and new immigrants in Singapore.

Transitioning from a tied agency to an independent advisory platform, I stay committed to putting my clients’ best interests first, offering neutral and tailored financial solutions. Whether it’s claims for hospital insurance, planning for education or retirement, or setting up employee benefits and corporate insurance, I aim to be your go-to advisor for all financial protection needs.

My goal is to serve as your Financial First Aid Kit – having the right tools (plans) ready in advance and applying them correctly when needed.

My key services include:
🔹 Health & Life Insurance Planning
🔹 Education & Retirement Planning
🔹 Investment & Protection Portfolio Review
🔹 Estate Planning (CPF Nomination, LPA, Will)
🔹 Employee Benefits and General Insurance for Businesses

Let’s connect – I look forward to being your trusted partner in both personal and corporate financial planning.

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根据《个人数据保护法》，鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料（例如姓名，证件号码，联系电话，邮寄地址，电邮地址和照片）。 该政策可在本公司网站上查寻，网址为 https://fa.com.sg/data-protection-policy/.

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  • Financial Alliance Pte Ltd ( “FAPL”) is licensed by the Monetary Authority of Singapore (“MAS”) and allowed to conduct financial advisory activities in accordance with the Financial Advisers Act (Cap. 110) (“FAA”) and the Securities & Futures Act (Cap. 289) (“SFA”) within the jurisdiction of the Republic of Singapore and in accordance with the licenses granted by MAS
  • 鑫盟理财私人有限公司( “鑫盟理财”)持有由新加坡金融管理局(“MAS”)所颁发的牌照，并许可在新加坡共和国境内依据财务顾问法（第110章）和证券与期货交易法（第289章）进行财务咨询等相关业务
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  • Such documents and information are provided by Financial Alliance Pte Ltd (“FAPL”) is for general information only and is not intended for anyone other than the recipient.
  • 此类由鑫盟理财所提供的文件和信息仅供收件人做一般信息参考。
  • It does not take into account the specific investment objectives, financial situation or particular needs of any particular person.
  • 此类文件和信息不会把-个人投资目标，财务状况或其特定需求等考虑在内。
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  • These documents may not be published, circulated, reproduced or distributed in whole or in part to any other person without FAPL’s prior written consent.
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In compliance with the Personal Data Protection Act, Financial Alliance Pte Ltd (“FAPL”) seek your consent to collect and use your personal data (e.g. name, NRIC, contact numbers, mailing addresses, email addresses and photograph) for the purposes of and in accordance with FAPL’s Data Protection Policy, which can be found on FAPL’s website at https://fa.com.sg/data-protection-policy/.

根据《个人数据保护法》，鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料（例如姓名，证件号码，联系电话，邮寄地址，电邮地址和照片）。 该政策可在本公司网站上查寻，网址为 https://fa.com.sg/data-protection-policy/.

By submitting this form, you are deemed to have read and understood FAPL’s Personal Data Policy.

提交此表格，即表示您已阅读并理解鑫盟理财私人有限公司的个人数据政策