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Protection

PRUMum

A single premium 4-year maternity term protection plan with comprehensive coverage for both you and your little one.

What is PRUMum?

  • A single premium 4-year maternity term protection plan with comprehensive coverage for both you and your little one.
  • With 4 sum assured coverage options, PRUMum aims to provide the protection you and your baby need.
  • Coverage includes pregnancy complications, congenital illnesses, mental wellness care, gestational diabetes mellitus and hospital care benefits.
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Key Benefits & Coverages

Footnotes

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.

3
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


4Coverage 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.

5Hospital 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 50% of the original sum assured less the claim amount previously paid out. Insured will receive payout up to 50% 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.

Conditions covered under Hospital Care Benefit for Mum:
  1. Complications of Lactational Mastitis
  2. Inpatient Psychiatric treatment
  3. Post-natal Anaemia
  4. Puerperal Pyrexia
  5. Pulmonary Embolism
  6. Repair of 4th Degree Perineal Tear
  7. Septic Pelvic Thrombophlebitis
  8. Surgical Site Infection following Caesarean Section
  9. Uterine Infection or Transfusion due to retained placenta following childbirth

6Applicable to Twins, with 100% sum assured per life.

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

7Applicable to Twins, up to 50% sum assured per life.

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
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 this product 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.

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 27 November 2019.

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

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