Health Insurance for Cervical Cerclage
Preventing preterm birth — and unexpected bills
Cervical cerclage, used to prevent miscarriage or early labour, costs SGD 3,800 to SGD 5,800. Not all insurers treat it as part of maternity cover.
How much does it cost?
A cervical cerclage procedure costs SGD 3,800 to SGD 5,800. It’s used when the cervix begins to open too early in pregnancy. These costs reflect only the professional surgeon's fees and do not include additional expenses like room charges, epidural anesthesia, lab tests, or post-operative recovery. Depending on your hospital and specific case, total bills can easily exceed these benchmarks.
What does insurance cover?
Some insurers consider cerclage a complication, others treat it as elective. Check whether your policy includes complications during pregnancy. It is important to verify whether the insurance benefit includes both inpatient hospital stays and outpatient consultations related to the procedure. Some insurers distinguish between 'maternity care' and 'surgical intervention', which could affect your reimbursement.
What to watch out for?
Policies with low maternity limits or narrow complication clauses may not cover this preventive procedure. In addition, watch for any co-insurance clauses, annual benefit caps, or restrictions on where the procedure must be done (e.g., specific hospitals or networks). These can all reduce the actual payout from your insurance.
Tips from Sébastien
A good plan anticipates complications, not just delivery. Ask about high-risk pregnancy coverage. This advice is especially relevant for expats who may be between jobs, have private plans not offered by an employer, or are self-employed. Being proactive with insurance gives you access to better benefits and more predictable financial planning.
Need help?
Interexpat can help find a maternity policy tailored to high-risk pregnancies. Our advisory team can help you compare plans, explain fine print, and find options that meet your family’s unique healthcare needs. Don’t wait until you’re already expecting to review your options.
