Maya add subdivision after rigging?

If you have a Smooth Mesh Preview enabled and you export it with Smooth Mesh unchecked(from FBX export menu) it will export it as collapsed high poly.

edit.

Hold up there seems to be a bug with this approach and it triangulates the maya mesh after export. Just untick triangulate from FBX export. You can also add Mesh->Smooth proxy->subdiv. Then select the subdivided mesh from the outliner and export that.