Hi Angeline,
Just to share with you on the maternity coverage. Previously I took up a ladies plan with maternity risk when I got married because I know that once I got married, I want to have a child.
Then later on, during my course of pregnancy, due to hormonal changes, there was this weird growth (like extra flash) on my breast and I was referred to KKH breast centre. I thought that I am safely covered cos I have the ladies plan and moreoever, I buy extra coverage on Maternity right (since my breast problem is triggered by pregnancy homones changes). Then guess what, its not covered at all. I checked with my agent, both the ladies plan and maternity insurance I bought cover only things like breast cancer, breast removal, womb cancer those serious illness only. Not something that small growth on the breast.
Then later on when I gave birth to my first kid, I had 40 hours labour and still not dilated and doc quickly send me for emergency c-sect cos my pressure was dropping already. Again, I thought my maternity insurance will cover it. But I was told again unless baby still born, or I miscarriage or any other more serious scenarios then I will be able to claim.
I was so upset (maybe caused by post natal blues) that I cancelled all my ladies plan and maternity packages after my confinement. Cos 2 pregnancy related incidents which leaded to me to be operated during my pregnancy and its not covered under my Ladies plan nor my maternity insurance. So I sign up for what? Why would I want the 20k if I suffer a miscarrge or baby still born. I feel that it really serve no purpose.
Just my 2 cents worth lah and it was 2 yrs ago already. Maybe now the policy have changed. Read the clause carefully when you sign ok