Baby Delivery: Hospital Option and Insurance



baby delivery

Similar to general hospital, a gynecology hospital is also well equipped with other sub-departments which will be able to administer aid immediately during special circumstances like baby delivery. Gynecology hospitals have the expertise to detect and handle all form of pregnancy situations or problems such as deformities, abortions, infertility etc. Most importantly, they specialize in all aspects of pregnancy, from prenatal examinations to post natal care, which means their services include baby delivery.


Similar to general hospitals, the wait time at gynecology hospitals may be equally long due to the sheer number of patients. Hence, doctors may not be able to go into the fine details during examinations. Besides, if a critical situation occurs during delivery and require aid from other departments, a gynecology hospital may not be able to offer as much specialized support in anesthesiology, pediatrics, surgery or blood supply as compared to the general hospitals. Gynecology hospitals also may not be able to provide sufficient medical help towards post-delivery complications.



Doctors from private clinics are able to pay more attention to your needs. If you choose a private clinic near your home, going for a regular checkup is more convenient and safe even without company. Compared to general hospitals or gynecology hospitals, there are significantly less patients at private clinics and hence, there will be a lot less waiting time. Private clinics provide more opportunities for patients to voice their opinions, clarify any doubts, and maintain a close relationship between the doctor and the patient. Furthermore, most private clinics allow husbands to be present in the delivery room to provide emotional support during the painful labor process and this privilege may not be available in larger hospitals. Post-labor pains such as Caesarean section wounds are also better taken care of at private clinics. In addition, the mother’s recovery ward also tends to double up as the infant’s heating chamber in private clinics, allowing both mother and child to be close by and better facilitate breastfeeding.


Private clinics are not as well equipped in terms of sophisticated equipment and specialists from other departments compared to larger hospitals. During an emergency situation, anesthesiologists or surgeons may not be around for immediate aid. Although private clinics are gradually setting up separate departments specializing in infertility and other aspects, most of them do not have in-house anesthesiologists and surgeons to handle critical situations. Another disadvantage of private clinic lies with their prenatal examinations as the process is not as compartmentalized and specialized, often resulting in referral to the larger hospital for certain parts of the examination, which is very troublesome.


Insurance Payouts for Maternity Examinations

• Within the first 17 weeks of pregnancy – Two payouts

• Within 17 to 29 weeks of pregnancy - Two payouts

• After 29 weeks of pregnancy – Six payouts

• Total of ten payouts for pre-natal examinations

(Besides the ten prenatal cares, if mothers experience any discomfort during the course of pregnancy due to other diseases, they may also seek specialist treatment)

Insurance Payouts for Childbirth or Baby Delivery

• Payouts are eligible as long as delivery is made after 181 days and within 280 days of pregnancy. The payout is according to the first six months of the average monthly insurance premium and 30 days of childbirth subsidy.

• Under the general insurance scheme, the spouse is not allowed to collect a payout for the childbirth, premature delivery, miscarriage or abortion. Only the insured women may only collect the payout after a successful baby delivery or premature birth.

Sandra Henderson

Editor-in-chief at Babiology and a proud mother of four passionate about sharing pregnancy and baby growth knowledges

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