In light of Phase 2 (Heightened Alert), COVID-19 measures are put in place in line with all official requirements.

Forget about maternity plans that just scratch the surface.

Did you know that you’re entitled to a $3,000 Baby Support Grant in view of the Covid-19 Pandemic?

This is on top of the Baby Bonus Cash Gift of up to $10,000.

Anything can happen during your pregnancy journey. Discover how our comprehensive maternity packages can protect both mummy and baby during difficult times in most circumstances – even for those on IVF.

That’s not all. Discover all-you-need-to-know throughout your pregnancy journey - for that peace of mind before & after your delivery.

Hi Parents & Parents-to-Be!

Congratulations on your pregnancy. It’s an exciting journey ahead, yet we know it’s a daunting one if you are not adequately prepared - especially for first-time parents.

Other than getting equipped with baby essentials, most savvy parents would get insured for their maternity just in case any complications arise.

Seeing how there are so many maternity plans in the market, how do you make an informed decision which is the best?

More often than note, a lot of people would choose plans based on word-of-mouth, not knowing exactly if there are better plans out there that suit their needs.

It’s true - most maternity plans offer similar benefits. They provide coverage for mothers and their babies for pregnancy complications and congenital illnesses.

But did you know that not all maternity plans are the same?

Here’s a quick comparison of five maternity plans by various insurance companies:







Coverage for Mum

• 8 pregnancy complications

• Hospital care benefit for 8 conditions

• Death and total permanent disability (due to covered pregnancy complications) benefit

• 10 pregnancy complications

• Hospital care benefit for 18 conditions

• Death benefit

• 13 pregnancy complications

• Hospital care benefit for 9 conditions

• Death benefit

• 10 pregnancy complications

• Hospital care benefit for 8 conditions

• Death benefit

• 14 pregnancy complications

• Hospital care benefit for 8 conditions

• Death benefit

• Major hospitalization benefit of 100% sum assured after deducting any payout under hospital care benefit for mum

Coverage for Baby

• 18 congenital illnesses

• Hospital care benefit for 24 conditions

• Death (due to covered congenital illnesses) benefit

• 23 congenital illnesses

• Hospital care benefit for 5 conditions

• Death benefit

• 25 congenital illnesses

• Hospital care benefit for 8 conditions

• 25 congenital illnesses

• Hospital care benefit for 8 conditions

• Death benefit

• 25 congenital illnesses

• Hospital care benefit for 5 conditions and 14 infectious diseases



Yes, with additional premium

Yes, from Week 28, no additional premium for singleton pregnancy, additional premium for multiple pregnancy

Yes, with additional premium

Yes, no additional premium

As you can see, our maternity plan is the most comprehensive – covering 15 pregnancy complications and 26 congenital illnesses.

Plus, you’ll get hospital care benefit for 17 conditions – also the most coverage in the market.

The best part is that – couples on IVF are covered with no additional premium.

What does that mean? Simply put, you don’t incur additional cost when you get our all-inclusive maternity plan, unlike other plans out there.

We won’t know for sure what will happen, but in the event that you and/or your baby suffers from either one of the conditions above, and the plan that you bought elsewhere do not cover these, your maternity plan’s coverage is only limited.

In the end, there’s a high probability that you may fork out an even higher cost that you had prepared for. Yes, on top of the maternity plan that you’ve been paying for.

So what have you got to lose when you choose the one that covers most case scenarios?

Get Guaranteed Protection Right From The Start

13th Week of Pregnancy

Covers mums against:

  • Pregnancy Complications
  • Death
  • Childbirth Medical Negligence
  • Hospitalization (up to 30 days)
  • Major Hospitalization (more than 30 days or at least 5 days in ICU)

Birth of Child

Covers baby against:

  • Congenital illnesses
  • Hospitalization
    (up to 30 days)

Within 60 Days From Birth

  •  Option to transfer base plan and applicable riders
  • Guaranteed lifelong protection for your child (up to 100 years)

3rd Policy Year Prenatal Ride

Coverage under AIA Baby Protector (II) or AIA Baby Protect Plus (II) will end for both mum and baby

Why Our Client Prefer Us

Most Coverage, Yet With One of the Lowest Premium

IVF is not a cheap consideration. The cost could range from $10,000 to $15,000 in public hospitals, from $12,000 to $20,000 in private hospitals.

Did you also know that:
1. Couples on IVF can also get subsidies?
2. You can tap on your Medisave (with a cap) to pay for your IVF?

Have a smoother IVF process when you take advantages on these benefits.

Least Waiting Time
& No Cap

While we usually do not expect for the worse, there are still risks of pregnancy complications.

Some of the common pregnancy complications include:
» Gestational diabetes

(diabetes during pregnancy)
» Pre-eclampsia

(high blood pressure in pregnant women)

These complications may be unfamiliar to most. It's always better to be well-informed - so you can minimise any risk.

One-Stop Pregnancy Consultation

Aside from offering maternity plans, Momma Bear SG also prides itself as a one-stop pregnancy consultation. Learn about various grants that you're eligible for, the medical check-ups you should go for, and more.

We'll share with you all-you-need-to-know for every stage of your pregnancy – so you don’t miss out on all that could ease your pregnancy journey.

Also, receive a complimentary Pregnancy Guidebook & Checklist when you talk to us!

How We Also Help You for a Smoother Pregnancy Journey

When you talk to us, we’ll also help you to have a better understanding of your pregnancy journey – especially if you’re first-time parents.

That way, you’ll save time and effort in your research AND you’ll be more equipped to better support your journey with all the benefits available.


You might have tried to find the different grants for your newborn but you wonder which applies to you. Baby Support Grant, Baby Bonus, Medisave Grant… and probably other things that could be a little overwhelming.

We’ll provide you with a complete overview of all the valid and updated grants so you can get the most benefit for yourselves and your child.


Every pregnancy journey is different. How do you decide which hospital or maternity package suits your needs? What's the difference in choosing a public versus a private hospital?

We’ll lay out the things that you need to know, so you can make more informed and justified decisions - and get the best value possible.

What Our Satisfied Couples

Have To Say

What You’ll Get When You Speak To Us

Everyone's pregnancy journey is different, depending on your health and financial situations. We've sat down with many couples from various backgrounds and professions to understand their concerns - AND gave them beneficial insights that they might have missed out.

You, too, can benefit from this 30-minute consultation - in which we will share with you:

Our Comprehensive Maternity Plans

What to Expect at Every Stage of Your Pregnancy

Your Complete Pregnancy Journey Checklist

Ultimate Breakdown for Your Financial Needs

Our goal is to bring as much value for you so that you're able to understand your pregnancy journey and know what steps to take to ensure a smooth journey ahead.

More Satisfied Couples

What’s In It For You

Momma Bear SG specialises in the pregnancy area and has given value to many pregnant couples so they can ease their worries.

More importantly, we believe that our financial products will alleviate any future costs should complications arise.

We are also working closely with our exclusive partners so we can bring more value to your pregnancy journey.

Here are the perks you’re entitled to receive (worth more than $600) if you sign up with us for our Pregnancy Package:

● Getha Baby Pillow (worth $39)
● Baby Diapers (worth $16)
● 1-Day Trial Confinement Stay @ Clover Suites (worth $500)

through booking & subjected to availability
● 6-Months Accident Plan (worth $60)
● 1-Year Fuzzie Membership (worth $144)

(These perks are not exchangeable for cash.)

If you find the consultation unsatisfactory, there is no need to commit to it. You will not only risk nothing but also be better prepared for your pregnancy.


If I have already purchased a maternity plan from my agent, can I still apply for the consultation?

Of course! During the consultation, we will be sharing more on our expertise and what you need to look out for.

What are the common Pregnancy Complications in Singapore?

These are some of the common types of Congenital Illnesses here:

  • Heart abnormalities (eg ventricular septal defect (VSD))
  • Musculoskeletal abnormalities
  • Chromosomal abnormalities (eg Down syndrome, Trisomy 18, Trisomy 13)
  • Urinary system abnormalities
  • Nervous system abnormalities (eg Spina bifida)

We can share with you more during our consultation.

Is there a medical check if we want to transfer the pregnancy plan to the baby?

No medical check is needed if the plan is transferred to the baby within 60 days of your baby’s birth.

May I know what will l receive once I sign up for this consultation?

In Momma Bear SG, we will be giving you a Pregnancy Guidebook which will accompany you throughout your pregnancy. There are two sections in our Pregnancy Guidebook - The Pregnancy Milestone and Pregnancy Journey Checklist. Our friendly colleague will go through the guidebook with you during the consultation.

What are the common types of Congenital Illnesses in Singapore?

These are some of the common types of Congenital Illnesses here:

  • Heart abnormalities (eg ventricular septal defect (VSD))
  • Musculoskeletal abnormalities
  • Chromosomal abnormalities (eg Down syndrome, Trisomy 18, Trisomy 13)
  • Urinary system abnormalities
  • Nervous system abnormalities (eg Spina bifida)

We can share with you more during our consultation.

When can I get maternity plan(s) coverage?

Between the 13th week to the 36th week of your pregnancy.

What makes Momma Bear SG different from other agencies?

We pride ourselves to be a one-stop solution for parents by providing information and solutions at the same time. This way, parents will be less stressed and be able to save time from hours of online research. We believe in journeying with parents from the very first day!

What is the Pregnancy Guidebook about?

The Pregnancy Guidebook provides a comprehensive overview of the pregnancy journey. It highlights important things for you to look out for so that you can be more prepared and equipped.

Don’t Miss Out On The Benefits

You Could Have Gotten

Come talk to us in our complimentary consultation with your partner!

Suppose you didn’t know the benefits you could have gotten, imagine how much more you would have to fork out to bear the cost of your pregnancy or delivery. Even worse, the amount of time you spend researching the information that is valid and applicable to you would take hours and a lot of effort.

With Momma Bear SG, you get to  save time and endless effort when you talk to us – and maximise the benefits that you can in this journey.

PS. These are some snippets from our comprehensive Pregnancy Guidebook that we will be giving you during the consultation. You don't want to miss this!

Simply fill in the form and book a consultation with us!

(Online sessions are available, in view of the current Covid-19 situation.)