Analyse your life needs in detail and plan ahead for a brighter tomorrow.
Celebrate the gift of life with the gift of protection
There are few things in life more joyful than having a child of your own. Make it special with PRUfirst gift, a comprehensive plan that guarantees protection1 for your child even while he or she is still in the womb2. Comprised of PRUlink enhanced protector9 (an investment-linked plan) and PRUmum2be, PRUfirst gift covers the expectant mother from as early as 18 weeks into pregnancy for greater peace of mind.
Most importantly, you can give your child the earliest head start in life with the flexibility of investing in his or her future education and savings needs.
|1||Upon informing us of the birth of the child, the mother's PRUlink enhanced protector coverage will cease and the child's PRUlink enhanced protector coverage will commence from the date of birth of the child. We will also automatically include Crisis Cover Provider III to the child's PRUlink enhanced protector policy. The PRUlink enhanced protector will terminate upon the expiry of 60 days from the Estimated Due Date of the child if you have not notified us of the birth of the child during this period. We will require evidence of good health if you notify us after 60 days from the date of birth of the child. PRUlink Enhanced Protector provides coverage against death, Total and Permanent Disability and Terminal Illness.|
|2||The life assured (expectant mother) must be between ages 19 to 45 next birthday and between 18 to 32 weeks of pregnancy.|
|3||For Pregnancy Complications Benefit, we pay $5,000 upon the diagnosis of any one of the covered Pregnancy Complications. For the Death of foetus coverage, there is a waiting period of 14 days from the Cover Start Date of your policy. This benefit will terminate upon the payment of the sum assured, or when the child is born, whichever is earlier.|
|4||For Congenital Illness Benefit, we pay $5,000 if your child is diagnosed by a registered medical practitioner as having any one of the covered Congenital Illnesses. The child must be diagnosed with Congenital Illness within two years from the date of delivery and the child must survive at least 30 days from the date of delivery with Congenital Illness. This benefit will terminate upon the payment of sum assured or when child reaches the age of 2, whichever is earlier.|
|5||Hospital Care Benefit is only payable if the child is hospitalised in Singapore or Malaysia for the covered conditions. It will terminate once the claim limit of $2,500 per life is reached or when the child reaches the age of 2, whichever is earlier.|
|6||Benefits for the child's PRUlink enhanced protector coverage will be reduced if death or Terminal Illness occur when the child is age 30 days and below, and for Total and Permanent Disability, the benefits will be reduced when the child is below age one. Please refer to your policy documents for the exact terms and conditions on "Termination of Policy". Death, Accelerated Terminal Illness and Disability Benefits do not terminate at age 2.|
|7||Prudential Singapore reserves the right to change the newborn gift pack with items of equivalent value without prior notification. To enjoy the newborn gift pack, Prudential Singapore must be notified of the child's birth within 60 days from the child's date of birth.|
|8||You must add the supplementary benefit(s) within 12 months from the birth of your child. We provide a one-time discount of 20% for a maximum total yearly premium of $1,000. The list of supplementary benefits eligible for discount will be determined by Prudential Singapore and is subject to change without prior notification.|
|9||Please refer to the PRUlink enhanced protector policy document for the exact terms and conditions.|
|10||For Death Benefit of PRUmum2be, we pay $5,000 if the mother dies during the term of the PRUmum2be policy. In that event, the Pregnancy Complications Benefit automatically terminates while the other benefits under PRUmum2be continue. The Death Benefit will terminate upon the payment of the sum assured or on the third policy anniversary, whichever is earlier.|
|11||Prudential Singapore reserves the right to vary the monthly administration and assurance charges for the Death, Disability, Accelerated Terminal Illness and Crisis Cover Provider III Benefits. However, we will give you 30 days written notice before doing so.|
Your PRUfirst gift plan will not be valid if the birth of the child takes place before the issuance of this plan.
You are recommended to read the product summary and seek advice from a qualified Prudential Financial Consultant for a financial analysis before purchasing a policy suitable to meet your needs.
Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and the surrender value payable (if any) may be less than the total premiums paid.
Investment products are subject to investment risks including the possible loss of the principal amount invested. The value of the units and the income accruing to the units (if any) may fall or rise.
Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. Premiums for some of the supplementary benefits are not guaranteed and may be adjusted based on future claims experience.
The information 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 Consultant.
The information contained on this website is intended to be valid 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 this brochure, the English version shall prevail.
Information is correct as at 5 October 2016.