Before baby comes: The one parenting prep step that rarely makes the to-do list

You’ve planned the nursery, researched the best paediatricians and saved more breastfeeding tips than you can count. Or perhaps you’re just beginning to think about what starting a family might look like.

Either way, the journey into parenthood – from pregnancy and childbirth to raising a child – can unfold in ways that are hard to anticipate, especially when it comes to healthcare needs and costs.

Planning ahead helps ensure you are not caught off-guard when the unexpected happens, be it a complication during pregnancy or your child’s first specialist visit.

It’s not about overhauling everything, but taking a moment to ask: Does your current coverage – perhaps even the one your parents set up for you – still work for your growing family? Does it support the kind of care you want to give your child, as well as financial peace of mind?

This is where Great Eastern’s new P Prime plans come in. As the latest additions to Great Eastern’s suite of GREAT SupremeHealth plans and GREAT TotalCare supplementary plans, here’s how the P Prime plans support families as their needs change, offering greater value and flexibility while keeping premiums affordable and sustainable. 

Support from pregnancy to parenthood

Under the P Prime plans, expectant mothers have access to specialist care for pregnancy and childbirth complications¹ at selected women’s clinics, including Mount Alvernia Hospital, Thomson Medical Centre and Raffles Hospital. For parents who value continuity of care, this allows them to see the same gynaecologist throughout pregnancy and delivery, and to transition more easily to paediatric specialist care when needed.

With curated panel specialists who provide dedicated attention and thoughtful follow-up, parents can feel assured that their needs are understood and supported.

Depending on your preference, budget or medical situation, the P Prime plans also support treatment at restructured hospitals. This gives families the flexibility to access quality care with potentially lower out-of-pocket expenses, alongside private hospital options.

Specialist access matters not just during pregnancy, but also in the early years of a child’s life. From a baby’s first weeks through to preschool age, parents often rely on paediatric specialists for developmental concerns, infections or conditions that may only surface after birth. 

Having access to the right specialists can provide reassurance during these formative years.

If you or your spouse are already covered under GREAT SupremeHealth and have a baby on the way, you are covered for baby’s congenital abnormalities of up to $5,000 per child right from birth². 

Should your child have his or her own GREAT SupremeHealth plan from as early as 15 days old, coverage for congenital abnormalities – provided the condition is diagnosed after the policy is in force – extends for life. 

Beyond hospital bills and coverage limits, support during unexpected medical situations also matters. From late-night emergencies to specialist referrals and post-discharge questions, parents may turn to Great Medical Care Concierge, a new round-the-clock service for Great Eastern’s Integrated Shield Plan policyholders (see box below), for help.

“Planning for a family often means thinking ahead about both care needs and costs,” says Mr David Yip, head of Accident and Health Business, Great Eastern. “The P Prime plans, which are the most affordable option within our suite of private healthcare plans, are designed to support this early planning and help parents right-size their coverage.”

Get up to 15 per cent off³ first-year premiums for GREAT SupremeHealth and GREAT TotalCare plans for your child. Find out more about the new P Prime plans and other plan types by Great Eastern.

Footnotes & disclaimers:

¹ A waiting period applies for Pregnancy and Childbirth Complications and the diagnosis must be made after 300 days from the last policy effective date. Refer to the policy contract for more details.
² For expenses incurred within 730 days from birth of child and subject to S$20,000 per lifetime of the life assured. The diagnosis must be made after 300 days from the last policy effective date.
³ A 15% discount on GREAT SupremeHealth first-year premium and a 10% discount on GREAT TotalCare first-year premium (before GST) will apply for a child up to and including age 18 next birthday, provided a parent who is the Policyholder is also insured under a GREAT SupremeHealth and/or GREAT TotalCare plan.

Terms and conditions apply. 

Please refer to the policy contracts for the full conditions of the policies.
This advertisement has not been reviewed by the Monetary Authority of Singapore.
The information presented is for general information only and does not have regard to the specific investment objectives, financial situation or particular needs of any particular person.

GREAT TotalCare is not a MediSave-approved Integrated Shield plan and the premiums are not payable using MediSave. GREAT TotalCare is designed to complement the benefits offered under GREAT SupremeHealth. 

This is only product information provided by us. You may wish to seek advice from a qualified adviser before buying the product. If you choose not to seek advice from a qualified adviser, you should consider whether the product is suitable for you. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs.

If you decide that the policy is not suitable after purchasing the policy, you may terminate the policy in accordance with the free-look provision, if any, and the insurer may recover from you any expense incurred by the insurer in underwriting the policy.

Protected up to specified limits by SDIC.

Information correct as at 3 February 2026.