Life Protection | Maternity Insurance

PRUFirst Promise

A bundled maternity insurance plan comprising of PRUMum and PRUActive Life III to protect both mum and baby through pregnancy and beyond.

What is PRUFirst Promise?

  • A bundled maternity plan consisting of PRUMum and PRUActive Life III. This plan is for expecting mums who are between 13 to 36 weeks of their pregnancy.
  • PRUMum provides coverage for pregnancy complications, congenital illnesses, mental wellness care, gestational diabetes mellitus and hospital care benefits.
  • Transfer of PRUActive Life III from mum to baby without underwriting5, providing baby comprehensive protection against Death, Terminal Illness and Total and Permanent Disability.

Add supplementary benefit to enhance your baby’s coverage



We strive to make a difference to your life by providing you with the suitable insurance plan.

Early Crisis Care (PRUActive Life III)
  • Option to enhance coverage up to 5x
  • Baby gets coverage for an extensive number of early and intermediate stage medical conditions8 and receive up to $350,000 in claim
  • Receive additional coverage for special benefits such as Benign Tumour Benefit9 for Baby
  • Cover Baby against a multitude of Juvenile Medical Conditions such as ADHD, Dyslexia and Autism
  • Can only be added if Crisis Care is added

Crisis Care (PRUActive Life III)
  • Option to enhance coverage up to 5x
  • Get coverage for an extensive number of late stage medical conditions10
  • Receive payout on serious illness or accident that affects major organs resulting to admission in intensive care unit (ICU)11


1Coverage for assisted pregnancies conceived through In Vitro Fertilization (IVF), Intracytoplasmic Sperm Injection (ICSI), Intrauterine Insemination (IUI) and Intracervical Insemination (ICI) starts from week 28 to 35 of pregnancy, and will go through normal underwriting.

2Payout for Psychological Consultations is up to S$200. The Insured can receive up to 5% sum assured with Postpartum Depression diagnosis.

Pregnancy Complications covered:
  1. Abruptio Placentae
  2. Amniotic Fluid Embolism
  3. Choriocarcinoma
  4. Disseminated Intravascular Coagulation
  5. Ectopic Pregnancy
  6. HELLP Syndrome
  7. Miscarriage due to an accident
  8. Placenta Increta or Percreta
  9. Postpartum Haemorrhage requiring Hysterectomy
  10. Severe Acute Fatty Liver of pregnancy
  11. Severe Pre-eclampsia or Eclampsia
  12. Stillbirth
  13. Uterine Rupture

3Coverage for Gestational Diabetes Mellitus (GDM) Conditions includes GDM resulting in Foetal Macrosomia and Neonatal Hypoglycaemia, Type II DM developed 6-8 weeks after birth and pregnancy complications accompanied by GDM.

4Hospital care accelerator benefit is paid out from the same sum assured as that of the hospital care for the life assured benefit. If the hospital care benefit for the life assured was claimed previously, the amount we pay under this benefit will be 100% of the original sum assured less the claim amount previously paid out. Insured will receive payout up to 100% sum assured if she is hospitalised (includes ICU and HDU) for a consecutive period of 30 days or admitted to ICU for 1 day or more.

5Applicable only when it is done within 60 days from child’s date of birth.

Congenital Illnesses covered:
  1. Absence of two limbs
  2. Anal Atresia
  3. Atrial Septal Defect with surgery
  4. Biliary Atresia
  5. Cerebral Palsy
  6. Cleft Palate / Cleft Lip
  7. Club Foot
  8. Coarctation of the Aorta
  9. Congenital Blindness
  10. Congenital Cataract
  11. Congenital Deafness
  12. Congenital Diaphragmatic Hernia
  13. Congenital Dislocation of the hip
  14. Congenital Hypertrophic Pyloric Stenosis
  15. Development Dysplasia of the hip
  16. Down’s Syndrome
  17. Infantile Hydrocephalus
  18. Patent Ductus Arteriosus with surgery
  19. Retinopathy of Prematurity
  20. Spina Bifida
  21. Tetralogy of Fallot
  22. Tracheoesophageal Fistula or Oesophageal Atresia
  23. Transposition of the great vessels
  24. Truncus Arteriosus
  25. Ventricular Septal Defect with surgery

Conditions covered under Hospital Care Benefit for Baby:
  1. Bronchitis
  2. Dengue Haemorrhagic Fever
  3. Incubation immediately after birth for more than three consecutive days
  4. Inpatient Hospitalisation due to Hand, Foot and Mouth Disease
  5. Other Infectious Diseases
  6. Phototherapy or Blood Transfusion for Severe Neonatal Jaundice
  7. Pneumonia
  8. Premature birth

8Early Stage and Intermediate Stage benefits payout under Early Crisis Cover (PRUActive Life III) will reduce the PRUActive Life III policy sum assured. If the sum assured of both PRUActive Life III and Early Crisis Cover (PRUActive Life III) is the same and a benefit payout for 100% of the sum assured from Early Crisis Cover (PRUActive Life III) is made, the PRUActive Life III policy and the Early Crisis Cover (PRUActive Life III) benefit will terminate. A claim under the Crisis Cover (PRUActive Life III) benefit within the PRUActive Life III policy could result in either a reduction of sum assured or termination of Early Crisis Cover (PRUActive Life III).

9Refers to Benign Tumour requiring surgical excision.

10Last stage medical conditions benefits payout under Crisis Cover (PRUActive Life III) will reduce the PRUActive Life III policy sum assured. If the sum assured of both PRUActive Life III and Crisis Cover (PRUActive Life III) is the same and a benefit payout for 100% of the sum assured from Crisis Cover (PRUActive Life III) is made, the PRUActive Life III policy and the Crisis Cover (PRUActive Life III) benefit will terminate. A claim under the Crisis Cover (PRUActive Life III) benefit within the PRUActive Life III policy could result in either a reduction of sum assured or termination of Crisis Cover (PRUActive Life III).

11Applicable 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.

* Terms and Conditions apply.


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. 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.

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 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.

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 ( or or

Information is correct as at 20 January 2022.

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

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