ReadyMummy
As you welcome your new child, you know you can focus on the joy of your pregnancy journey with ReadyMummy.
About this plan
ReadyMummy is a 3-year maternity insurance plan that provides financial protection for expectant mothers from as early as 13 weeks into pregnancy, and for the child from birth to policy year 3. It covers selected pregnancy complications, congenital illnesses, death, hospitalisation and selected treatment benefits, helping you prepare for unexpected needs during pregnancy and early parenthood.
Why should you get it?
Preparing for your child's arrival is an exciting time. ReadyMummy is a 3-year maternity plan1 that provides protection for the expecting mother from as early as 13 weeks into the pregnancy and the child from birth to policy year 3. This plan is also the first of its kind to cover psychotherapy treatment3 to provide mental wellness support for the mother. As you welcome your new child, you know you can focus on the joy of your pregnancy journey with ReadyMummy.
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Coverage for Pregnancy Complications Covers the mother against 14 pregnancy complications2 at 100% of the sum insured, including miscarriage due to accident.
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Protection for Congenital Illnesses Covers the child against 24 congenital illnesses2 at 100% of the sum insured.
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Hospitalisation and Recovery Support Provides a daily cash benefit2 for hospital stays for both the mother and child, helping to ease medical expenses.
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Coverage for Mother and Child Provides financial protection for both the mother and child against death, at 100% of the sum insured.
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Mental Wellness Support for Mothers Covers psychotherapy treatment3 for the mother at 10% of the sum insured, supporting emotional well-being during the motherhood journey.
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Continued Protection for Your Child Enjoy the option to purchase eligible Manulife plans4 with critical illness riders for your child without health questions asked within 90 days of birth, with coverage extending to eligible pre-existing conditions5.
Learn more about ReadyMummy
ReadyMummy helps protect both you and your child during pregnancy and your child's early years. With a one-time premium payment, you'll receive coverage for covered pregnancy complications, hospitalisation, death and mental wellness needs from as early as 13 weeks into your pregnancy. Your child will also be protected from birth for covered congenital illnesses, hospitalisation, death and outpatient phototherapy treatment benefit6. In addition, you can apply for eligible Manulife coverage for your child without health questions asked within 90 days of birth, subject to policy terms4. Coverage continues through your child's key developmental years, up to the end of Policy Year 3.
ReadyMummy may be suitable for you if you want financial protection during pregnancy and support for both you and your baby.
If you are an expectant mother, you may want protection for pregnancy complications and selected medical needs during this stage.
If you are concerned about maternity risks, you may want financial support in case of unexpected complications affecting you or your baby.
If you want protection for both mother and baby, you may prefer this maternity insurance plan that covers selected conditions for both.
Frequently asked questions
ReadyMummy plan provides peace of mind by covering a range of pregnancy complications, including miscarriage due to an accident and a list of congenital illnesses2 for your child.
As the first maternity insurance plan to cover mental wellness, Manulife's ReadyMummy plan also covers psychotherapy treatment3 to provide mental wellness support for the mother.
Beyond protection for pregnancy and early childhood, ReadyMummy offers added peace of mind for your child's future. Should health conditions be identified at birth, you can have greater confidence knowing there is still an opportunity to continue your child's protection journey, helping to ensure access to coverage when it matters most (subject to policy terms).
Yes, you can purchase a maternity insurance plan while pregnant. With the ReadyMummy plan, you are eligible to buy coverage from 13 to 36 weeks into your pregnancy (T&Cs apply).
Yes, ReadyMummy plan covers Pregnancy by In Vitro Fertilisation (IVF), Intrauterine Insemination (IUI) and Intracervical Insemination (ICI) with an additional premium.
Yes, this plan provides coverage for childbirth by C-section, subject to the policy terms and conditions.
Yes, the plan provides a hospital payout if your baby is born prematurely and requires care in Neonatal Intensive Care Unit (NICU) / High Dependency Unit (HDU).
Health insurance may help cover general medical expenses, but maternity insurance is designed to provide targeted financial support for pregnancy, childbirth and related conditions. It can help fill gaps that may not be fully covered under standard health insurance plans.
1. This plan covers up to 2 biological children born from a single pregnancy; and a singleton pregnancy (only 1 biological child) from assisted reproduction techniques without complications. Only 1 maternity plan is allowed for each pregnancy.
2. Please refer to the policy contract for definitions of covered conditions.
3. Psychotherapy treatment benefit of 10% of the sum insured will be payable upon diagnosis of Major Depressive Disorder (MDD) or Generalised Anxiety Disorders (GAD), with the mother being on medication prescribed by a registered psychiatrist and undergoing regular psychotherapy treatment for at least 6 continuous months.
4. Eligible plans offered are LifeReady Plus (II) (ReadyMummy) policy, with the option to attach the Early Critical Care Rider (III) and/or Critical Care Rider(III), subject to the terms and conditions of the plans and any other conditions as stipulated by us.
5. For a critical illness claim due to a pre-existing condition before the insured child turns 6 years old, 100% of the sum insured will be payable, capped at S$35,000. After age 6, 100% of the sum insured will be payable.
6. Applicable for phototherapy treatment for a baby due to severe neonatal jaundice, where rental of the phototherapy machine is required.
Terms and Conditions apply. Please refer to the Product Summary for more information.
ReadyMummy is underwritten by Manulife (Singapore) Pte. Ltd. (Reg. No. 198002116D). This advertisement has not been reviewed by the Monetary Authority of Singapore. Buying a life insurance policy is a long-term commitment. This policy has no cash value. Buying health insurance products that are unsuitable for you may affect your ability to finance your future healthcare needs. The brochure is for your information only and does not consider your specific investment objectives, financial situation or needs. It is not a contract of insurance and is not intended as an offer or recommendation to purchase the plan. You can find the full terms and conditions, details, and exclusions for the mentioned insurance product(s) in the policy contract. If there are any differences between the English and Chinese versions of this brochure, the English version will apply. The policy is protected under the Policy Owners' 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 LIA or SDIC websites (www.lia.org.sg or www.sdic.org.sg).
The information on this page is for general informational purposes only and does not constitute financial advice.
We recommend that you seek advice from a Manulife Financial Consultant or our Appointed Distributors before making a commitment to purchase a policy.
Information is correct as of 14 August 2026.