Right from when you detect early symptoms of pregnancy right until your baby’s birth are full of amazing moments. Yet, mums-to-be just can’t help worrying about their developing baby’s wellbeing.
From the time you detect early symptoms of pregnancy, right up to your baby’s birth, the pregnancy journey is a beautiful nine months full of unforgettable moments.
Like the day you first discovered the tiny, precious life within you. Or the first time you see your little baby turning somersaults in your womb. When you feel the baby’s movements for the first time. Or when you see your stomach rippling with slow tumbles as the baby grows bigger.
Undoubtedly, you’re on a rollercoaster of emotions during your pregnancy. These feelings most certainly include excitement, as well as stress. In fact, the moment you find out you are pregnant, you are hurtled into the world of impending motherhood that is made up of equal parts anxiety and love for your child.
It’s true that mums-to-be just can’t help worrying about their developing baby’s wellbeing.
So while you celebrate each kick, hiccup, and tummy roll, you also worry about your little one. Is he okay? Why hasn’t he moved for some time? Will he be okay after he is born? What if the scans missed something?
With the early symptoms of pregnancy comes great joy and also birth related worries that are mostly unjustified. But sometimes, there is a reason…
Usually, worries are unnecessary; most babies are likely to be fine. But sometimes, a mum-to-be’s anxieties can be justified especially when pregnancy complications or congenital illnesses are diagnosed during routine check-ups and scans.
There are also unforeseen birth complications and/or infant conditions that a mum-to-be won’t know about until she goes into labour and gives birth.
Can these complications be spotted along with early symptoms of pregnancy?
It’s an unfortunate truth – sometime, pregnancy and birth complications happen.
Pregnancy and birth complications
It’s devastating and difficult to comprehend, but unfortunately, pregnancy and birth complications do happen.
According to SingHealth, around 2% of births have structural birth defects. These are complications related to a problem with body parts and structure, e.g., missing limbs, cleft palate.
Around 60% of such abnormalities can be picked up during an ultrasound scan around the fifth month of pregnancy. But, sometimes, minor (and even major) issues slip through undetected.
Stillbirth is another heartbreaking issue some mums have to deal with. Though infrequent, stillbirth can unfortunately occur without warning.
SingHealth’s hospital statistics show that “in approximately 50% of stillbirths and intrauterine deaths, a cause cannot be found despite extensive investigation.”
It’s not just the baby who can be unexpectedly affected by complications during pregnancy and at birth – the mum can be affected too.
An example of such complications is postpartum haemorrhage, or excessive bleeding after birth. According to medical experts, most of this bleeding happens within 24 hours of birth. Sometimes, it can happen after the mum is discharged from hospital.
Usually, doctors are able to manage postpartum haemorrhage with drugs, or other procedures. But sometimes, they are required to surgically remove the uterus. This condition is known as postpartum haemorrhage requiring hysterectomy.
Being prepared for unexpected pregnancy and birth complications can bring both you and your partner peace of mind.
Being prepared for peace of mind
Pregnancy and birth complications are unpleasant, if not taboo, topics to consider. Nevertheless, it’s advisable for mums-to-be and their partners to be prepared for such unexpected twists during the pregnancy and birth journey.
One of the biggest factors to consider is cost. Treating many of these conditions can be terribly expensive. Yet effective treatment can not only save lives, but they also markedly improve the outcome of certain congenital birth conditions, such as a cleft palate or cleft lip.
Needless to say, the knowledge that you are protected financially in a worst-case scenario related to pregnancy and birth can bring much needed emotional and psychological stability and relief.
So how can a mum-to-be protect herself in such situations should the need arise? MaxMaternity Care – a maternity insurance plan offered by OCBC Bank – is one way.
Your child can get lifelong protection from as early as 15 days after birth
A head start to lifelong protection
MaxMaternity Care (MMC) offered by OCBC Bank protects both you and your child from as early as 13 weeks into your pregnancy.
CARE FOR MUM
- You will be paid a lump sum benefit in the event of a pregnancy complication.
- You will also receive hospital cash for up to 30 days in the event of hospitalisation due to the eight pregnancy complications.
A snapshot of the benefits and protection you and your baby can get with MMC
CARE FOR BABY
MMC also protects your child against 18 congenital illnesses upon birth. These conditions include Down’s Syndrome, Spina Bifida, cleft palate/cleft lip, and congenital deafness.
In addition,
- You only need to pay a one-time premium to enjoy protection with MaxMaternity Care.
- You can choose the level of coverage to suit your needs and those of your child.
Don’t miss Max MaternityCare’s SG50 offer!
SG50 MaxMaternity Care double bonus offer
To celebrate Singapore’s 50th anniversary, MMC is offering you a double bonus of S$216!
Here’s how it works:
- S$108 cash reward will be credited into your OCBC Child Development Account (CDA).
- You will also receive a S$108 voucher* which can be used towards the first year premium of your child’s SupremeHealth or TotalShield plans, both Medisave-approved Integrated Shield Plans by The Great Eastern Life Assurance Company Limited.
*Subject to underwriting.
Find out more
For more details about MaxMaternity Care plan, click this link to visit their website, or call the OCBC hotline on 1800 363 3333.
You can also follow this link to request for a friendly staff member to call you back with information.
To mums-to-be, ease some of the worries that you may have during two of the most important times of your life – pregnancy and birth. Let MaxMaternity Care help bring you some peace of mind.
Terms and Conditions
Please refer to the Terms and Conditions Governing OCBC CDA, as well as Terms and Conditions Governing Deposit Accounts (both available at ocbc.com/cda).
SG50 MaxMaternity Care Promotion: For full terms and conditions, visit ocbc.com/maxmaternitycare.
Important Notes
MaxMaternity Care, SupremeHealth and TotalShield are provided by The Great Eastern Life Assurance Company Limited, a wholly-owned subsidiary of Great Eastern Holdings Limited and a member of the OCBC Group.
Policy Owners’ Protection Scheme :These plans are protected under the Policy Owner’s Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us or visit the Life Insurance Association (LIA) or SDIC websites (www.lia.org.sg or www.sdic.org.sg).
Deposit Insurance Scheme: Singapore dollar deposits of non-bank depositors and monies and deposits denominated in Singapore dollars under the Supplementary Retirement Scheme are insured by the Singapore Deposit Insurance Corporation, for up to S$50,000 in aggregate per depositor per Scheme member by law.
Important Notes
Child Development Account savings are matched dollar-for-dollar up to the cap for Government matching contributions – visit www.babybonus.gov.sg for details.
MaxMaternity Care, SupremeHealth and TotalShield are provided by The Great Eastern Life Assurance Company Limited, a wholly-owned subsidiary of Great Eastern Holdings Limited and a member of the OCBC Group.
These plans are not bank deposits and OCBC Bank does not guarantee or have any obligations in connection with them. This material is for general information only. It is not a contract of insurance. It does not constitute an offer to buy an insurance product or service.
This material is also not intended to provide any insurance or financial advice. The specific terms and conditions of the plan are set out in the policy documents. A person interested in the insurance policies should read the product summary and benefit illustration (available from OCBC Bank) before deciding whether to buy the product.
No representation or warranty whatsoever in respect of any information provided herein is given by OCBC Bank and it should not be relied upon as such. OCBC Bank does not undertake an obligation to update the information or to correct any inaccuracy that may become apparent at a later time.
All information presented is subject to change without notice. OCBC Bank shall not be responsible or liable for any loss or damage whatsoever arising directly or indirectly howsoever in connection with or as a result of any person acting on any information provided herein.
It is usually detrimental to replace an existing accident and health plan with a new one. A penalty may be imposed for early plan termination and the new plan may cost more or have less benefits at the same cost.
Policy Owners’ Protection Scheme:
These plans are protected under the Policy Owner’s Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us or visit the Life Insurance Association (LIA) or SDIC websites (www.lia.org.sg or www.sdic.org.sg).
Deposit Insurance Scheme:
Singapore dollar deposits of non-bank depositors and monies and deposits denominated in Singapore dollars under the Supplementary Retirement Scheme are insured by the Singapore Deposit Insurance Corporation, for up to S$50,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.
