Life Protection | Maternity Insurance

PRUFirst Gift II

A bundled maternity plan comprising of PRUMum and PRUActive LinkGuard to protect mum and baby from pregnancy up to childbirth and beyond
 

What is PRUFIRST Gift II?


  • A comprehensive bundled maternity plan comprising of PRUMum and PRUActive LinkGuard to protect expecting mothers and babies from as early as the 13th week of pregnancy.
  • The plan covers in the event of complications during pregnancy and childbirth, and your new-born enjoys secured lifelong protection with the potential for long-term wealth growth. It also covers assisted pregnancies such as In Vitro Fertilisation (IVF)1, so your family can get the most out of life.
  • Transfer of PRUActive LinkGuard from Mum to baby without underwriting2 provide baby comprehensive protection against Death, Terminal Illness and Total Permanent Disability, while also accumulating wealth for its future needs.
  • With optional Health Cover for Child, you can protect your baby’s healthcare needs hassle-free without medical underwriting under specified conditions3.

Key Benefits for Mum

Early and Comprehensive Coverage
Option to begin coverage as early as 13 weeks and until the end of fourth policy year. Enjoy coverage for up to 17 pregnancy complications4.
Mental Wellness Care
Cover the costs of Psychological Consultations5 (up to $100/session) and Postpartum Depression6 diagnosis (up to $1,000).
Gestational Diabetes Mellitus (GDM)
Protect you against GDM, its resulting conditions, and complications7 for up to $2,000.
Hospital Care Benefit
Receive up to S$400/day as hospital cash payout up to 50 days, to defray medical expenses from an unprepared hospitalisation stay for 26 conditions including complications of Lactation Mastitis. With Hospital Care Accelerator, receive payout on any hospitalisation8 lasting 30 days or Intensive Care Unit admission.

Key Benefits for Baby

Congenital Illnesses9
Cover against 25 Congenital Illnesses such as Downs Syndrome.
Hospital Care Benefit10
Receive 2% sum assured a day, for up to 25 days of hospitalisation against 8 conditions such as Hand, Foot and Mouth Disease, or Phototherapy for severe Neonatal Jaundice and Premature Birth. For serious cases of hospitalisation, receive financial support with the Hospital Care Accelerator Benefit11.
Lifelong Protection and the Gift of Investment
Provide lifelong protection for your child with coverage against Death, Terminal Illness, and Total and Permanent Disability since birth without underwriting2. Additionally, after birth, you may choose to cover your child for critical illness by adding supplementary benefits without underwriting2. PRUActive LinkGuard not only safeguards your child from life's uncertainties but also helps grow your wealth for a brighter future for your child.
Health Cover for Child
Option to protect your baby’s healthcare needs by signing up for a PRUShield Plus or PRUShield Standard plan within 14 to 90 days from birth without medical underwriting. This does not cover congenital illnesses or pre-existing conditions, which refers to any health issue the baby had before getting the eligible PRUShield plan3.

Useful tools and Information

Check out these quick links
Needs Analysis Calculator
Needs Analysis Calculator
FAQs
FAQs

Important Information

About PRULink Funds

PRUActive LinkGuard allows you to have access to our suite of expert-managed PRULink funds.

Choose funds aligned to your risk appetite and preferences, and make unlimited fund switches as your risk profile or financial goals change.

To find out more about PRULink funds, click here.

Footnotes

1

Coverage for assisted pregnancies conceived through In Vitro Fertilisation (IVF), Intracytoplasmic Sperm Injection (ICSI), Intrauterine Insemination (IUI), and Intracervical Insemination (ICI) will go through normal underwriting.

2

Applicable only when it is done within 60 days from child’s date of birth.

3

The Health Cover for Child does not cover congenital illnesses or pre-existing conditions, which refers to any health issue the baby had before getting the eligible PRUShield plan. This includes symptoms or signs that the baby received medical treatment, medication, consultation, advice, or diagnosis for, or that would have made a sensible person seek medical help. For instance, if a baby was born with a cleft lip, any related expenses will not be covered, but other conditions which are not pre-existing will be considered. All other terms and conditions as stated in the eligible PRUShield policy document will apply. It's important to note that the cover can only be applied within 14 to 90 days after the baby's birth, and if the baby is not hospitalised during the application. Please refer to the PRUMum Product Summary for the full terms and conditions.

4

Refer to Product Summary for the Pregnancy Complications covered.

5

Up to S$200 in total.

6

Up to 5% sum assured.

7

Refer to Product Summary for the covered conditions related to gestational diabetes mellitus.

8

The total payout from Hospital Care and Hospital Care Accelerator Benefit is 100% of the original sum assured.

9

Applicable to Multiple birth pregnancy with 100% sum assured per life. Refer to Product Summary for the covered congenital illnesses.

10

Applicable to Multiple birth pregnancy, up to 50% sum assured per life. Refer to Product Summary for the list of conditions covered under Hospital Care Benefit for Baby.

11

Hospital Care Accelerator Benefit provides financial support for your childs Intensive Care Unit hospitalisation of three or more continuous days. Total payout from Hospital Care and Hospital Care Accelerator Benefit for Child is 50% of the original sum assured.

Additional Notes

You are recommended to read the product summary and seek advice from a qualified Prudential Financial Representative for a financial analysis before purchasing a policy suitable to meet your needs.

As buying a life insurance policy is a long-term commitment, an early termination of the policy usually involves high costs and the surrender value, if any, that is payable to you may be zero or less than the total premiums paid.

PRUActive LinkGuard is an Investment-Linked Plan (ILP) which invests in ILP sub-fund(s). Investment products are subject to investment risks including the possible loss of the principal amount invested. The performance of the ILP sub-fund(s) is not guaranteed and the value of the units and the income accruing to the units (if any) may fall or rise. Past performance is not necessarily indicative of future performance.

A product summary and product highlights sheet(s) relating to the ILP sub-fund(s) are available and may be obtained from your Prudential Financial Representative. A potential investor should read the product summary and product highlights sheet(s) before deciding whether to subscribe for units in the ILP sub-fund(s).

Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. Premiums for the supplementary benefits are not guaranteed and may be adjusted based on future claims experience.

The information contain on this website is for reference only and is not a contract of insurance. Please refer to the exact terms and conditions, specific details and exclusions applicable to these insurance products in the policy documents that can be obtained from your Prudential Financial Representative.

The information contain on this website is for distribution in Singapore only and shall not be construed as an offer to sell or solicitation to buy or provision of any insurance product outside Singapore.

In case of discrepancy between the English and Mandarin versions of the product brochures, the English version shall prevail.

These policies are protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact your insurer or visit the GIA/LIA or SDIC web-sites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg)

Information is correct as of 20 September 2024.

This advertisement has not been reviewed by the Monetary Authority of Singapore.

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