PRUfirst gift

Celebrate the gift of life with the gift of protection

There are few things in life more joyful than having a child of your own. Make it special with PRUfirst gift, a comprehensive plan that guarantees protection1 for your child even while he or she is still in the womb2. Comprised of PRUlink enhanced protector3 (an investment-linked plan) and PRUmum2be, PRUfirst gift covers the expectant mother from as early as 18 weeks into pregnancy for greater peace of mind.

Most importantly, you can give your child the earliest head start in life with the flexibility of investing in his or her future education and savings needs.

 

Have Questions? We Can Help You.

English Brochure

Chinese Brochure

Highlights

coverage 

Guaranteed protection before birth

lump sum payout 

Upon Pregnancy Complications4,5 or Congenital Illness6

no medical underwriting 

To transfer policy3 to newborn9

Product Details

 
Product Type

PRUmum2Be:

  • Term

PRUlink enhanced protector II3:

  • Investment Linked
Payment Term

PRUmum2Be:

  • Single Premium

PRUlink enhanced protector II3:

  • Regular Premium, Whole of Life
Policy Term

PRUmum2Be:

  • 3 years

PRUlink enhanced protector II3:

  • Whole of Life
Issuance Age

For mother: 19 Age Next Birthday (Between 18 to 32 weeks of pregnancy) to 45 Age Next Birthday (Between 18 to 32 weeks of pregnancy)

Limits
Bundle type PRUfirst gift 1 PRUfirst gift 2 PRUfirst gift 3
  Sum Assured
PRUmum2be $5,000 $5,000 $5,000
PRUlink enhanced protector II3 $150,000 $300,000 $450,000
Crisis Cover Provider III (for child) $150,000 $200,000 $250,000
  Premium payable
PRUmum2be
(Single premium)
$320^ $320^ $320^
PRUlink enhanced protector II3
(Monthly Premium8)
$100+ $200+ $300+
+ Premiums can be paid quarterly, half-yearly or annually.
^ Premium listed is based on a female non-smoker, age 30 on her next birthday.
Maturity Benefit

Not Applicable

Death Benefit

PRUmum2Be:

  • Sum assured of S$5,000 (For expectant mother).

PRUlink enhanced protector II3 - Coverage for the child:

Before 30 days old,

  • 20% of the sum assured,  less any outstanding amounts owing to us, plus the Investment Account Value.

After 30 days old,

  • The sum assured, less any outstanding amounts owing to us, plus the Investment Account Value. 
Total & Permanent Disability Benefit

PRUlink enhanced protector II3:

  • Below 1 Age Next Birthday:
    • 20% of the  sum assured.
  • 1 to 69 Age Next Birthday:
    • The Death Benefit for PRUlink enhanced protector II3 is accelerated for sum assured up to S$2,000,000, 6 months after the confirmed onset of Disability.
Cash Benefit

Not Applicable

Critical Illness Benefit

PRUlink enhanced protector II3:

  • Crisis Cover Provider III will be attached to child's policy upon birth of child. 
Accidental Death Benefit

Not Applicable

PRUfirst gift infographic

Simply choose from one of the available PRUfirst gift bundles.

Footnotes:

  1. Upon informing us of the birth of the child, the mother's PRUlink enhanced protector II coverage will cease and the child's PRUlink enhanced protector II 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 enhanced protector II policy. The PRUlink enhanced protector II 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 during this period. We will require evidence of good health if you notify us after 60 days from the date of birth of the child. PRUlink Enhanced Protector II provides coverage against death, Total and Permanent Disability and Terminal Illness.
  2. The life assured (expectant mother) must be between ages 19 to 45 next birthday and between 18 to 32 weeks of pregnancy.
  3. Please refer to the PRUlink enhanced protector II policy document for the exact terms and conditions.
  4. 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 Cover Start Date of your policy. This benefit will terminate upon the payment of the sum assured, or when the child is born, whichever is earlier.
  5. 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.
  6. 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.
  7. Hospital Care Benefit is only payable if the child is hospitalised in Singapore or Malaysia for the covered conditions. It will terminate once the claim limit of $2,500 per life is reached or when the child reaches the age of 2, whichever is earlier.
  8. Prudential Singapore reserves the right to vary the monthly administration and assurance charges for the Death, Disability, Accelerated Terminal Illness and Crisis Cover Provider III Benefits. However, we will give you 30 days written notice before doing so.
  9. Benefits for the child's PRUlink enhanced protector II coverage will be reduced if Death or Terminal Illness occur when the child is age 30 days and below, and for Total and Permanent Disability, 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, Accelerated Terminal Illness and Disability Benefits do not terminate at age 2.

 

Note:

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

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.

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.

Investment products are subject to investment risks including the possible loss of the principal amount invested. The value of the units and the income accruing to the units (if any) may fall or rise.

Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. Premiums for some of 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. In case of discrepancy between the English and Mandarin versions of this brochure, the English version shall prevail.

Information is correct as at 2 July 2018.

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