⚠️ DISCLAIMER. This article is prepared by The Insurance Concierge, a licensed insurance agency based in Singapore, and is not issued by the insurer. It is intended solely for BUPA Global members under the care of The Insurance Concierge. It explains the terms of cover for reference purposes only and does not supersede the official policy wording.

Maternity Moratorium Period 

BUPA offers several products, each of which may have a different moratorium period for maternity.  Please write to us to verify if you are subjected to one. 

What is the Maternity Moratorium Period?  


Here is an overview of what is covered:  

When the mother is enrolled, the assigned maternity benefit can be allocated towards the following:  

  • Antenatal care, such as ultrasound scans and Non-Invasive Prenatal Testing;  
  • Maternity Delivery (Routine/Elective or Medical Necessary Caesarean);  
  • Post-natal care required by the mother immediately following normal childbirth, such as stitches.  
  • Routine care for the baby in the hospital following birth whilst the mother is warded. Please note that routine care excludes any medical treatment needed for the newborn's medical condition or symptoms.
  • Maternity Complicatons. Treatment required by the mother due to complications from maternity. 


The "Newborn Care" benefit  

  • This benefit covers the medical treatment needed for the newborn due to any medical symptom or condition within the first 90 days, including congenital conditions. After the 90-day period, coverage reverts to the usual policy benefits and may not cover congenital conditions.
  • To activate this cover, the newborn must be enrolled within 30 days of birth; otherwise, the infant will not be eligible for this benefit and can only be enrolled from the 91st day.
  • The newborn will be enrolled on the same plan tier and deductible as the parent member, aligned with the policy anniversary. A premium will apply for the newborn's coverage, also the newborn will have their own set of benefit limits and deductibles.
  • If you encounter difficulties obtaining a birth certificate for enrollment within the first 30 days, please contact us promptly (within the first 30 days) so we can assist you in appealing the case with the insurer.