PRUFirst Promise

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

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

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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.

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Refer to Product Summary for the Pregnancy Complications covered.

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Up to S$200 in total.

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Up to 5% sum assured.

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

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

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

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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.

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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.

¹²

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

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

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

¹⁵

Applicable 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.