You have a window.
It closes at 36 weeks.

• ✓17 pregnancy complications covered
• ✓Gestational diabetes — up to S$2,000
• ✓Postpartum depression — up to S$1,000 on diagnosis
• ✓Psychological consultations — S$100 a session
• ✓Hospital care — up to S$400 a day, up to 50 days
• ✓Assisted pregnancies, including IVF, are covered

• ✓25 congenital illnesses covered — including Down's Syndrome
• ✓Hospital care — 2% of sum assured daily, up to 25 days, across 8 conditions
• ✓The policy transfers to your baby with no medical underwriting, within 60 days of birth
• ✓Your baby then carries cover for death, terminal illness and total & permanent disability
• ✓Optional health cover can be added without underwriting, 14–90 days after birth

That last one matters most. A baby born with a condition may never qualify for cover later. Taken up now, the cover is already theirs.