Pre-natal insurance – coverage for the unborn

Pre-natal insurance – coverage for the unborn

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Couples start thinking about protection for their child from the time a pregnancy is confirmed. A key part of such protection is against congenital illnesses which would otherwise render the child uninsurable or without an adequate cover in the future. A pre-natal insurance product provides a peace of mind to the expecting parents by providing insurance coverage to the child before he or she is born.

This presentation looks into the product design and benefits for the insured child(ren) and the expectant mother during pregnancy and after the child(ren) is born.

The benefits for insured child(ren) would typically include congenital illnesses, hospitalization and death during the policy term. Extended cover to adulthood may also be offered to the child(ren) without further underwriting. The benefits for the mother include pregnancy complications, hospitalization and death during pregnancy and shortly after child delivery. With more women getting married at older ages and hence seeking In-Vitro Fertilization (IVF) treatment for pregnancy, IVF pregnancy is now covered under the pre-natal products in Singapore.

The presentation will also highlight the underwriting aspects of such products in Southeast Asia (Singapore, Malaysia and Indonesia) as well as other considerations such as entry age of mother, gestational weeks of current pregnancy, potential anti-selection risk and benefit limits.

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