PRUFirst Promise
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 underwriting2, providing baby comprehensive protection against Death, Terminal Illness and Total and Permanent Disability.
  • With optional Health Cover for Child, you can protect your baby’s healthcare needs hassle-free without medical underwriting under specified conditions3.

Key Benefits for Mum

Early and Comprehensive Coverage
Option to begin coverage as early as 13 weeks and until the end of fourth policy year. Enjoy coverage for up to 17 pregnancy complications4.
Mental Wellness Care
Cover the costs of Psychological Consultations5 (up to $100/session) and Postpartum Depression6 diagnosis (up to $1,000).
Gestational Diabetes Mellitus (GDM)
Protect you against GDM, its resulting conditions, and complications7 for up to $2,000.
Hospital Care Benefit
Receive up to S$400/day as hospital cash payout up to 50 days, to defray medical expenses from an unprepared hospitalisation stay for 26 conditions including complications of Lactation Mastitis. With Hospital Care Accelerator, receive payout on any hospitalisation8 lasting 30 days or Intensive Care Unit admission.

Key Benefits for Child

Congenital Illnesses9
Cover against 25 Congenital Illnesses such as Down’s Syndrome.
Hospital Care Benefit10
Receive 2% sum assured a day, for up to 25 days of hospitalisation against 8 conditions such as Hand, Foot and Mouth Disease, or Phototherapy for severe Neonatal Jaundice and Premature Birth. For serious cases of hospitalisation, receive financial support with the Hospital Care Accelerator Benefit11.
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 transferred from Mum to Baby without medical underwriting2. Mum has the option to add on supplementary benefits to cover critical illnesses of various stages for the Baby without medical underwriting2.
Health Cover for Child
Option to protect your baby’s healthcare needs by signing up for a PRUShield Plus or PRUShield Standard plan within 14 to 90 days from birth without medical underwriting. This does not cover congenital illnesses or pre-existing conditions, which refers to any health issue the baby had before getting the eligible PRUShield plan3.

Add supplementary benefit to enhance your baby’s coverage

 

Extra-Features

Ensure your baby receives well-rounded financial protection tailored for various medical conditions and situations.


Early Crisis Care (PRUActive Life III)
  • Option to enhance coverage up to 5x
  • Baby gets coverage for an extensive number of pre-critical medical conditions12 (such as Carcinoma In Situ of any organs13) and receive up to S$350,000 in claim
  • Receive additional coverage from special benefits such as Benign Tumour requiring surgical excision 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 critical medical medications14
  • Receive payout on serious illness or accident that affects major organs resulting to admission in intensive care unit (ICU)15

Footnotes

1

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

2

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

3

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.

4

Refer to Product Summary for the Pregnancy Complications covered.

5

Up to S$200 in total.

6

Up to 5% sum assured.

7

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

8

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

9

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

10

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.

11

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).

13

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

14

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.

Additional Notes

You are recommended to read the product summary and seek advice from a qualified Prudential Financial Representative 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 Representative.

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 the product brochures, the English version shall prevail.

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 20 September 2024.

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

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