PRUfirst gift

We understand you want to protect your child before he is born.

The First Gift that Begins from Within
The first of its kind in Singapore, PRUfirst gift provides guaranteed protection1 for your child even while he or she is still in the womb2.

No other plan begins this early
PRUfirst gift protects your yet-to-be-born baby and the expectant mother, immediately upon policy inception, and from as early as 18 weeks into pregnancy. It also helps you give your child a real head start in life even before he or she is born and plan for his or her future protection needs. Best of all, it also offers you the flexibility to potentially provide for your child's education and savings needs through investment.

Benefits

Key Features

  • Offers protection and the flexibility to provide for your child's education and savings needs through investment
  • Covers expectant mother against possible Pregnancy Complications3 as well as Death, Terminal Illness and Disability1 before childbirth
  • Covers newborn against selected Congenital Illnesses4 as well as Death, Disability, Terminal Illness1,5 and Critical Illness1,5
  • Offers selected Hospital Care Benefits6 to the newborn
  • Add on supplementary benefits to your child’s plan within 12 months of his or her birth and enjoy a one-time 20% discount off the first-year premiums7
  • If you are expecting twins, PRUfirst gift covers both babies against selected Pregnancy Complications3 and offers both newborns selected Congenital Illnesses4 and Hospital Care Benefits6


A Gift Pack8 For Your Newborn

If you are a PRUfirst gift customer, send us this form to notify us of your child's birth and you can look forward to receiving an exclusive gift pack8 (inclusive of an OMRON digital thermometer and other complementary vouchers).

 

How it works

PRUfirst gift cares for your bundle of joy through two plans that provides seamless protection for both mother and baby, namely PRUmum2be and PRUlink protection plus account.

PRUmum2be covers the expectant mother against pregnancy complications3 and the unborn baby against congenital illnesses4. PRUlink protection plus account is a protection and investment plan for the newborn.

prufirst gift chart thumbnail

Click on image to view enlarge version.

  PRUfirst gift 1 PRUfirst gift 2 PRUfirst gift 3
Sum Assured      
PRUmum2be  $5,000 $5,000 $5,000
PRUlink protection plus account $100,000 $200,000 $300,000
Premium payable      
PRUmum2be
(Single premium9)
$320 $320 $320
PRUlink protection plus account
(Monthly Premium10)
$100+ $200+ $300+
+ Premium is also available in quarterly, half yearly or annual mode

 

Benefits of PRUfirst gift
Enjoy Guaranteed Issurance Benefit1 (for the child) and Enhancement Benefit7, plus the following:

 
PRUmum2be PRUlink protection plus account11
  • Death Benefit12 (mother)
  • Pregnancy Complications3
  • Congenital Illnesses4
  • Hospital Care Benefit6
  • Death1, 5
  • Terminal Illness1, 5
  • Total and Permanent Disability1, 5
  • Crisis Cover Provider III1, 5 (child)
  • Potential investment returns13
  • Flexibility to adjust coverage to suit different life stages and needs of your child

 

Types of Pregnancy Complications3, 14 :
  • Disseminated Intravascular Coagulation
  • Death of Foetus3
  • Pre-Eclampsia or Eclampsia
  • Fatty Liver of Pregnancy
  • Amniotic Fluid Embolism
  • Abruptio Placentae
  • Postpartum Haemorrhage requiring Hysterectomy

 

Types of Congenital Illnesses4, 14 :
  • Down's Syndrome
  • Spina Bifida
  • Tetralogy of Fallot
  • Transposition of Great Vessels
  • Atrial Septal Defect
  • Absence of Two Limbs
  • Anal Atresia
  • Infantile Hydrocephalus
  • Cleft palate / cleft lip
  • Cerebral Palsy
  • Ventricular Septal Defect
  • Club Foot
  • Congenital Dislocation of Hip
  • Congenital Blindness
  • Congenital Deafness
  • Congenital Diaphragmatic Hernia
  • Retinopathy of Prematurity

Please refer to the policy document for the exact terms and conditions for Pregnancy Complications and Congenital Illness Benefit.

 

Who can apply

  • Expectant mothers (life assured) aged between 19 to 45 next birthday and between 18 to 32 weeks of pregnancy.

 

Download Brochure

Footnotes:
1 Upon informing us of the birth of the child, the Mother's PRUlink protection plus account coverage will cease and the child's PRUlink protection plus account 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 protection plus account policy. The PRUlink protection plus account 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 at that time. We will require evidence of good health if you notify us after 60 days from the date of birth of the child.
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 inception 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 Benefits for the child's PRUlink protection plus account coverage will be reduced if Death and Terminal Illness occur when the child is age 30 days and below, and for Disability and Critical Illness, 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, Terminal Illness and Disability benefits do not terminate at age 2.
6 Hospital Care Benefit, is only payable if the child is hospitalised in Singapore or Malaysia for the covered conditions. It will terminate upon the claim limit of $2,500 per life is reached or when the child reaches the age of 2, whichever is earlier.
7 You must add the supplementary benefit(s) within 12 months from the birth of your child. We provide this 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.
8 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.
9 The premium is based on a female non-smoker, age 30 on her next birthday.
10 Prudential Singapore reserves the right to vary the monthly administration and assurance charges for the basic benefits of the Death, Total and Permanent Disability, Terminal Illness and Crisis Cover Provider III. However, we will give you 30 days written notice before doing so.
11 Please refer to the PRUlink protection plus account policy document for exact terms and conditions.
12 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.
13 Investments are subject to investment risks including the possible loss of the principal amount invested. The value of the units may fall as well as rise.
14 For twins, we will pay the applicable sum assured for each twin in accordance to the covered benefits.

Note:

Your PRUfirst gift plan will not be valid if the birth of the child takes place before the issuance of this plan.

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.

Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs.

Investments are subject to investment risks including the possible loss of the principal amount invested. The value of the units may fall as well as rise.

You are recommended to seek advice from a qualified Prudential Financial Consultant for a financial analysis before purchasing a policy suitable to meet your needs.

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

Premium for some of the supplementary benefits are not guaranteed and may be adjusted based on future claim experience.

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

Information correct as at 1 July 2013.