What is PRUFirst Promise?

 

  • A bundled maternity insurance plan consisting of PRUMum and PRUActive Life V. This plan is for expecting mums who are between 13 to 36 weeks of their pregnancy. It also covers assisted pregnancies such as In Vitro Fertilisation (IVF)1.
  • PRUMum provides coverage for pregnancy complications, congenital illnesses, mental wellness care, gestational diabetes mellitus and hospital care benefits.
  • Transfer of PRUActive Life V from mum to baby without underwriting2, providing baby comprehensive protection against Death, Terminal Illness and Total and Permanent Disability.
  • 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

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    Early and Comprehensive Coverage

    Option to begin coverage as early as 13 weeks and until the end of fourth policy year. Enjoy coverage for 17 pregnancy complications4.

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    Mental Wellness Care

    Cover the costs of Psychological Consultations5 ($100/session) and Postpartum Depression6 diagnosis (up to $1,000).

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    Gestational Diabetes Mellitus (GDM)

    Get protection against covered conditions7 related to GDM for up to S$2,000.

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    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 for at least one day.

Key benefits for child

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    Congenital Illnesses9

    Cover against 25 Congenital Illnesses such as Down’s Syndrome.

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    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.

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    PRUActive Life V from Mum to Baby

    PRUActive Life V covers Mum for Death and Terminal Illness with 50% of the chosen sum assured for Baby, including the Multiplier Benefit (if added). Upon birth of baby, PRUActive Life V policy is transferred from Mum to Baby without medical underwriting2. Mum has the option to add on supplementary benefits to cover critical illnesses of various stages for the Baby without medical underwriting2.

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    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.

Add supplementary benefit 
to enhance your baby’s coverage

Ensure your baby receives well-rounded financial protection tailored for various medical conditions and situations.

Early Crisis Care (PRUActive Life V)

  • Enjoy Multiplier Benefit under PRUActive Life V, with boosted coverage of up to 5x
  • Baby gets coverage for an extensive number of pre-critical medical conditions12 (such as Carcinoma In Situ of any organs13) and receive up to S$350,000 in claim
  • Receive additional coverage from special benefits for baby for
    • 7 Special Medical Conditions such as Benign Tumour Requiring Surgical Excision
    • 16 Juvenile Medical Conditions such as ADHD, Dyslexia and Autism Spectrum Disorder
    • 4 Mental Illness Conditions, such as Severe Tourette Disorder.
  • Can only be added if Crisis Care (PRUActive Life V) is added

Crisis Care (PRUActive Life V)

  • Enjoy Multiplier Benefit under PRUActive Life V, with boosted coverage of up to 5x
  • Get coverage for 64 severe stage critical illnesses14
  • Receive payout on serious illness or accident that affects major organs resulting to admission in intensive care unit (ICU)15

1Coverage 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.

2Applicable only when it is done within 60 days from child's date of birth.

3The 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.

4Refer to Product Summary for the Pregnancy Complications covered.

5S$100 payable for each session (up to two sessions) that the life assured has to go for psychological or psychiatric consultation.

65% of the sum assured payable.

7Refer to Product Summary for the covered conditions related to gestational diabetes mellitus.

8The total payout from Hospital Care and Hospital Care Accelerator Benefit is 100% of the original sum assured.

9Applicable to Multiple birth pregnancy with 100% sum assured per life. Refer to Product Summary for the covered congenital illnesses.

10Applicable 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.

11Hospital 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.

12Pre-Critical Medical Conditions benefits payout under Early Crisis Care (PRUActive Life V) will reduce the PRUActive Life V policy sum assured. If the sum assured of both PRUActive Life V and Early Crisis Care (PRUActive Life V) is the same and a benefit payout for 100% of the sum assured from Early Crisis Care (PRUActive Life V) is made, the PRUActive Life V policy and the Early Crisis Care (PRUActive Life V) benefit will terminate. A claim under the Crisis Care (PRUActive Life V) benefit within the PRUActive Life V policy could result in either a reduction of sum assured or termination of Early Crisis Care (PRUActive Life V).

13Subject to terms and conditions under Early Crisis Care (PRUActive Life V).

14Critical Illness and Crisis Care Accelerator benefits payout under Crisis Care (PRUActive Life V) will reduce the PRUActive Life V policy sum assured. If the sum assured of both PRUActive Life V and Crisis Care (PRUActive Life V) is the same and a benefit payout for 100% of the sum assured from Crisis Care (PRUActive Life V) is made, the PRUActive Life V policy and the Crisis Care (PRUActive Life V) benefit will terminate. A claim under the Crisis Care (PRUActive Life V) benefit within the PRUActive Life policy could result in either a reduction of sum assured or termination of Crisis Care (PRUActive Life V).

15Applicable only when insured undergoes surgery of any of the vital organs (heart, lung, brain, kidney, liver) as a result of illness or accident and as a result of the surgery, the insured is admitted to ICU for 3 consecutive days. Excluding surgery due to organ donation. Subject to cap of S$100,000 per life assured. Only 1 claim is payable per policy.

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.

PRUMum has no savings or investment feature, there is no cash value if the policy ends or if the policy is terminated prematurely.

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 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 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 the product brochures, the English version shall prevail.

This policy is 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 at 10 March 2026.

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

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By submitting this form, I confirm that I have read, understood and given my


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