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 insurance plan consisting of PRUMum and PRUActive Life III. 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 III from mum to baby without underwriting⁵, providing baby comprehensive protection against Death, Terminal Illness and Total and Permanent Disability.

Key Benefits & Coverages

Pregnancy Complications & Mental Wellness Care

Get protection for 13 pregnancy complications² and cover the costs of Psychological Consultations² and Postpartum Depression diagnosis²

Gestational Diabetes Mellitus (GDM)

Protect you and your baby from GDM, its resulting conditions and complications³ with up to 10% of selected sum assured value.

Hospital Care Benefit for Mum

Receive 2% sum assured a day, for up to 50 days of hospitalisation for 9 conditions including Lactation Mastitis. With Hospital Care Accelerator Benefit⁴, receive payout on hospitalisation or Intensive Care Unit admission.

PRUActive Life III from Mum to Baby

PRUActive Life III 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 III policy is transfered from Mum to Baby without medical underwriting⁵. Mum has the option to add on supplementary benefits^* to cover Early Critical Illnesses and Critical Illnesses for the Baby without medical underwriting⁵.

Congenital Illnesses⁶

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

Hospital Care Benefit for Baby⁷

Receive 1% sum assured a day, for up to 50 days of hospitalisation against 8 conditions such as Hand, Foot and Mouth Disease, Phototheraphy or Blood Transfusion for severe Neonatal Jaundice and Premature Birth.

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

Footnotes

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.

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

Pregnancy Complications covered:

Abruptio Placentae
Amniotic Fluid Embolism
Choriocarcinoma
Disseminated Intravascular Coagulation
Ectopic Pregnancy
HELLP Syndrome
Miscarriage due to an accident
Placenta Increta or Percreta
Postpartum Haemorrhage requiring Hysterectomy
Severe Acute Fatty Liver of pregnancy
Severe Pre-eclampsia or Eclampsia
Stillbirth
Uterine Rupture

Coverage 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.

⁴

Hospital 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.

⁵

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

⁶

Congenital Illnesses covered:

Absence of two limbs
Anal Atresia
Atrial Septal Defect with surgery
Biliary Atresia
Cerebral Palsy
Cleft Palate / Cleft Lip
Club Foot
Coarctation of the Aorta
Congenital Blindness
Congenital Cataract
Congenital Deafness
Congenital Diaphragmatic Hernia
Congenital Dislocation of the hip
Congenital Hypertrophic Pyloric Stenosis
Development Dysplasia of the hip
Down’s Syndrome
Infantile Hydrocephalus
Patent Ductus Arteriosus with surgery
Retinopathy of Prematurity
Spina Bifida
Tetralogy of Fallot
Tracheoesophageal Fistula or Oesophageal Atresia
Transposition of the great vessels
Truncus Arteriosus
Ventricular Septal Defect with surgery

⁷

Congenital Illnesses covered:

Bronchitis
Dengue Haemorrhagic Fever
Incubation immediately after birth for more than three consecutive days
Inpatient Hospitalisation due to Hand, Foot and Mouth Disease
Other Infectious Diseases
Phototherapy or Blood Transfusion for Severe Neonatal Jaundice
Pneumonia
Premature birth

⁸

Early 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).

⁹

Refers to Benign Tumour requiring surgical excision.

¹⁰

Last 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).

¹¹

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.

Terms and Conditions apply.

Notes

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 (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).

Information is correct as at 12 October 2022.

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

Other products

PRUActive Life III

A customisable whole-of-life insurance plan designed for your growing needs, providing comprehensive protection at every stage.

PRUMum

A standalone maternity insurance plan that protects you from as early as week 13 of pregnancy through to the start of motherhood.

PRUFirst Promise

What is PRUFirst Promise?