There are many maternity insurance plans on the market, but do you know what’s written in the fine print? If you’re thinking of getting pregnant with the help of fertility treatments, you’d want to know what’s included in your policy and if the procedures you need are covered. The team at Expat Insurance tell us more.
Assisted fertility treatments – what are they?
- In-vitro fertilisation (IVF): The process of fertilising an egg with sperm outside the body. Upon successful fertilisation, the fertilised egg divides until it becomes an embryo.
- Gamete intrafallopian transfer (GIFT): Eggs are taken out of the ovaries and placed in the fallopian tubes along with the sperm to be fertilised inside the uterus or fallopian tubes.
- Zygote intrafallopian transfer (ZIFT): This is usually conducted when there is a blockage in the fallopian tubes that prevents fertilisation without assistance. The egg cells are removed from the ovaries and are fertilised in-vitro. The fertilised egg is then inserted back into the fallopian tube by laparoscopy to undergo cell division in the uterus or tubes.
- Artificial insemination: Sperm is introduced deliberately into a woman’s cervix or uterus so she can become pregnant.
- Prescribed drug treatment: Examples include an oral medication called Clomid that helps to stimulate ovulation. There is the chance of having twins and multiple babies from treatment using Clomid.
- Embryo transportation: This is when there may be frozen embryos in one location that need to be moved to allow implantation through IVF.
Are fertility treatments like IVF covered under maternity insurance?
Maternity insurance in Singapore differs across insurance providers, whether it’s about the waiting period or the benefits they provide. Some maternity policies may not cover pregnancies resulting from assisted fertility treatments so be sure to check ahead.
To ensure that you’ll be well covered for your assisted pregnancy, approach a health insurance broker like Expat Insurance who can recommend a suitable maternity insurance plan that covers fertility treatments and procedures.
Does Expat Insurance have maternity insurance plans that cover fertility treatments in Singapore?
As a health insurance broker, Expat Insurance recognises the value of a smooth pregnancy for both mother and child. Their maternity insurance plan covers fertility treatments for women who are trying for their first child. It includes investigation to establish the cause of infertility, IVF cycles and artificial inseminations. It can cover up to $4,000 per cycle.
Each cycle covers:
- All imaging, biological and genetic investigations
- Hospital expenses (inpatient and outpatient) and medical fees for IVF
- The cycle starts with medical care related to fertility treatments and ends with an insemination or embryo transfer
If I conceived my baby through IVF, is my baby still covered?
This is an important question and once again, it’ll depend on your medical insurance plan. In most instances, your newborn’s paediatric needs will be covered by the mother’s plan for the first 90 days. Once babies reaches the 90 days, they’ll require a policy of their own.
The best course of action is to consult your maternity insurance provider prior to receiving assisted reproductive help. As health insurance brokers, Expat Insurance believes that mapping out pregnancy plans ahead of time can be beneficial to overall health and finances.
Contact their advisors and find out more about their maternity insurance plans, including coverage for assisted pregnancies.
Written in collaboration with:
6401 9201 | expatinsurance.com.sg
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