Expecting a child? This is how to protect the new, mini you.

Posted 22 July, 2018 by Surely
in For Parents and Parents to be

When the gynaecologist confirms that my wife is indeed pregnant, I am overjoyed.
For about a minute.
As we walk out of the consultant room, my wife notices the serious look on my face and asks if I am having reservations about having a baby.

Deep in my thoughts, I have to ask her to repeat her question before assuring her that that is not the case. There is no way I am not looking forward to having a next to me.

What is the reason for my apprehension?
How can I be a good father?


Endless questions mired in my head


Most parents are understandably delighted over the confirmation of their confirmed pregnancy. However, there are others like myself who worry excessively. We are not sure if we are going to be good parents and want to make sure we prepare well for the newborn. These are some doubts that run non-stop in my head ever since I learn about the pregnancy.

– Is the baby going to be alright throughout the 40-weeks journey?
– What name should I give to the kid?
– Do I have the energy to care for the child?
– Are my savings sufficient?
– When do I start getting baby stuff?
– What stuff should I get?
– How do I stop cursing while driving so as to set a good example for my offspring?

Go ahead and chuckle at the last one because my wife thinks that it is a joke. But really, it isn’t. One of the biggest worries I have is whether I am able to be an excellent role model for my child.



I want my kid to look up to me.


It turns out that there are more important things to worry about.


What if the unexpected occurs?


For those who have kids before or are having one right now, you will understand this intimately. There are numerous tests and checks that are run before the new you emerge. There are those ultrasound scans that are conducted during each consultation, lab screening if your baby may have development issues and even tests to determine whether the mum may have Gestational Diabetes.


The docs keep jabbing you till you are red like this tomato.


Indeed, there are so many rounds of different tests and screenings that you may forget the reason why you do them in the first place. I still remember the uneasy feeling whenever we are waiting for the results.

How should I react if the findings are unfavourable?
What should I do, should the likelihood of foetal deformity is high?
Am I prepared to take charge if things go awry?


The two impossible mishaps that you must guard against


In order to prepare well, we need to know what the most important things you have to protect: the foetus and Mum. Definitely, you will do everything to make sure their well-being is taken care of. However, not everything is within your control.

Congenital illnesses and pregnancy complications are two things you can never prevent. Even with the advanced tests, the doctors are unable to stop them from inflicting pain upon your family.

What are congenital illnesses?
They are birth defects such as Down syndrome, blindness, deafness, cleft lips etc. Some are curable but some are not but regardless, the medical cost of managing them is going to be sky-high.

The same goes for pregnancy complications such as Uterine Rupture, Abruptio Placentae, Pre-Eclampsia, etc. Once it occurs, the doctors have to treat them immediately.

Do you have the financial means to deal with these unfortunate events, should they happen to the most precious persons of your life?


A quick short-cut for all parents-to-be.


Maternity insurance provides the assurance that you may have the financial capability to handle such contingent events. Most plans cover 10 pregnancy complications and 18 – 23 congenital illnesses. When either happens, the insurer will pay lump-sum compensation to you.

There are more to maternity insurance too. Most pregnancy plans pay 1% of the sum assured for each day you are hospitalized. Some cover more than 1 foetus while others provide financial support if your baby contacts jaundice.

With these benefits, you worry less about the financial cost and focus more on being a caring parent.


Other finer details to take note


Some maternity plans require you to buy an accompanying policy. Usually, the policy comes in a form of saving policy or Investment-Linked plan. On the other hand, you can purchase a stand-alone policy from the other insurers who have made that possible.


This is what insurers have in mind when they force you to buy an accompanying policy.


As maternity insurance is available for purchase from 13th month of your pregnancy onwards, you have the option to transfer the accompanying plan to your baby within a stipulated period upon birth. That way, you can be sure that your little one has at least an insurance policy to his or her name even in less than perfect health condition.

It is one head-start that you certainly your kid to have.


Putting your warm hands around your loved ones


There is much work to be done before, during and after your child is born. While it is all worthwhile, the preparation work before your baby takes his first breath is immense. Learning how to carry, clean and feed the infant is a difficult task on its own. In addition, you still have to research on baby equipment such as cots, feeding bottles, sterilizer, etc and buy them.

Why not lessen your worries by at least one?
Have the financial support of maternity insurance and protect the new you with no fear.

www.ClearlySurely.com aims to eradicate the knowledge gap between consumers and Life Insurance. Our Vision is that one day, every Man, Woman, and Child will be properly insured.

Stay tuned for more parenting tips from the insurance perspective!

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