Welcoming a new baby is always a time of joy and anticipation for parents, whether it’s their firstborn or subsequent children. Numerous considerations kick in immediately the moment expectant parents receive the good news, such as how to prepare for the new family member.
While parents-to-be know that they must get equipment like cribs and strollers as well as daily babycare essentials like diapers and wipes, they often overlook one vital thing: Adequate protection for their child.
Mum Krissy Leow, 38, notes, “Childbirth can be both exciting and stressful. We want to enjoy the arrival of our first child but at the same time, are worried that an unexpected stay in the Neonatal ICU (NICU) will stretch our finances. These worries are particularly real for older mums like me” She adds, “With the added medical coverage from the hospital, my husband and I can have greater peace of mind to welcome the new addition to our family.”
With the rising trend in older mothers and more couples going for assisted reproduction, Singapore’s preemie baby rate has increased from 7.2 per cent to 9.5 per cent. These low birthweight premature babies require Neonatal Intensive Care Unit (NICU) care as they are at higher risk of developing complications. To support families and ensure that they can focus on their child’s recovery should any unexpected complications occur, there is now a complimentary NICU plan for your newborn when you sign up for maternity packages at any of the participating hospitals ― at no additional cost.
New mothers who sign up for maternity packages at participating hospitals in Singapore should rest easy knowing that a significant portion of their NICU hospitalisation costs will be covered under the complimentary AIA Baby Care plan.
Valid for a year, the AIA Baby Care plan is a daily hospital plan that covers newborns with 20 listed congenital illnesses requiring NICU care. This plan complements MediShield Life and pays out a $500 daily cash benefit up to a maximum of 30 days for hospital bills. No underwriting is involved, which means that coverage is guaranteed.
Some examples of covered congenital illnesses include:
Congenital Diaphragmatic Hernia: Diaphragmatic hernia is a birth defect where there is a hole in the diaphragm, such that organs in the abdomen (such as intestines, stomach, and liver) can move through the hole and upwards into a baby’s chest. This can prevent the baby’s lungs from developing completely, resulting in breathing difficulties.
Atrial Septal Defect/ Ventricular Septal Defect:
An atrial septal defect is when there is a hole in the wall (septum) that divides the upper chambers of the heart (atria). If this hole does not close during pregnancy or shortly after birth, blood may flow through the lungs and may cause damage to the blood vessels.
A ventricular septal defect happens when the wall between the two ventricles does not fully develop, leaving a hole. This causes blood to flow into the lungs which forces the heart and lungs to work harder.
Spina Bifida: Spina bifida happens when the neural tube does not close entirely. The backbone that protects the spinal cord is not formed in totality and often results in damage to the spinal cord and nerves.
Cleft Palate / Cleft Lip: These are birth defects that occur when a baby’s lip or mouth do not form properly during pregnancy.
A cleft lip happens when the tissue that makes up the lip does not join completely before birth, which results in an opening in the upper lip.
A cleft palate happens if the tissue that makes up the roof of the mouth does not join together completely during pregnancy
Cerebral Palsy: Cerebral palsy is a group of disorders that affect a person’s ability to move and maintain balance and posture. It is caused by abnormal brain development or damage to the developing brain that affects a person’s ability to control his or her muscles.
Both the AIA Baby Care and Family Care plans ― only available at participating hospitals in Singapore ― will be provided at no extra cost to expectant mothers who sign up for the hospitals’ maternity package before they reach 38 weeks of pregnancy.
Under the AIA Family Care plan, the whole family (newborn and immediate family) enjoys free personal accident coverage for one year.
Enhanced coverage options covering any cause of NICU admission are also available. For more information, please visit www.babycare.com.sg, or WhatsApp +6590090503.
This article is brought to you by Grinweiv Alliance Pte Ltd.
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