Maternity Insurance

PRUFirst Gift II: Comprehensive Protection for Expectant Mothers and Newborns

Welcoming a new life into the world is a joyous occasion, but it also comes with its share of uncertainties and concerns. If you're an expectant mother or planning to start a family, you might be wondering how to best protect yourself and your baby during pregnancy and beyond. That's where PRUFirst Gift II comes in - a unique insurance plan designed to provide comprehensive coverage for both mother and child, from pregnancy through early childhood and beyond.

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What is PRUFirst Gift II?

PRUFirst Gift II is a bundled insurance plan that combines two key components:

  1. PRUMum : A maternity plan that covers pregnancy complications and early childhood health issues
  1. PRUActive LinkGuard : An investment-linked plan that provides lifelong protection and potential for wealth growth

This innovative plan offers protection from as early as the 13th week of pregnancy, covering a wide range of scenarios that expectant mothers and newborns might face. It's designed to give you peace of mind during your pregnancy journey and provide a financial head start for your child's future.

Key Features for Expectant Mothers

Early and Comprehensive Coverage

Protection begins as early as the 13th week of pregnancy and continues until the end of the fourth policy year.

Pregnancy Complications Benefit

Covers up to 17 pregnancy complications, providing financial support if complications arise.

Gestational Diabetes Mellitus (GDM) Coverage

Up to S$2,000 payout for GDM and related conditions, helping manage the costs associated with this common pregnancy complication.

Hospital Care Benefit

Receive up to S$400 per day for hospital stays (up to 50 days). Covers 26 conditions, including complications from lactation mastitis. Hospital Care Accelerator provides additional payout for extended stays or ICU admission.

Mental Wellness Care

Covers psychological consultations (up to S$100 per session, maximum 2 sessions) and provides up to S$1,000 for postpartum depression diagnosis.

Death Benefit

Provides a lump sum payout in the unfortunate event of the mother's death.

Why compare PRUFirst Gift II with other Maternity options through Whatins?

Traditional Approach

  • Limited pregnancy complication coverage
  • Single view of maternity benefits
  • May miss important protection features

Whatins Advantage

  • Compare maternity coverage periods across insurers
  • See how pregnancy complications are covered
  • Understand both mother and child protection
  • Compare different waiting periods

Key Features for Newborns

Congenital Illness Benefit

100% of Sum Assured payout if your newborn is diagnosed with any of 25 covered congenital illnesses. Applicable to multiple birth pregnancies, with 100% Sum Assured per life.

Hospital Care Benefit for Child

2% of Sum Assured per day, for up to 25 days of hospitalization. Covers 8 conditions including Hand, Foot and Mouth Disease, severe Neo-Natal Jaundice, and Premature Birth.

Lifelong Protection Transfer

Seamlessly transfers coverage from mother to baby at birth . Protects your child against Death, Terminal Illness, and Total and Permanent Disability without underwriting (if done within 60 days of birth).

Health Cover for Child

Option to enroll your baby in PRUShield Plus or PRUShield Standard plan without medical underwriting (within 14 to 90 days from birth).

Investment-Linked Protection

PRUActive LinkGuard provides lifelong protection and potential for wealth growth.

How PRUFirst Gift II Works: A Real-Life Scenario

Let's consider the case of Joyce, a 36-year-old expectant mother:

  1. At 13 weeks pregnant, Joyce signs up for PRUFirst Gift II, paying a premium of S$4,384 for a Sum Assured of S$20,000 for PRUMum and S$250,000 for PRUActive LinkGuard.
  1. At 28 weeks, Joyce is diagnosed with Gestational Diabetes. She receives a payout of S$2,000.
  1. At 39 weeks, Joyce gives birth to a baby girl, Annabel, via cesarean section. Due to an infection, Joyce is hospitalized for 3 days and receives a payout of S$1,200.
  1. Within 60 days of birth, Annabel is diagnosed with Neo-Natal Jaundice requiring 4 days of phototherapy. Joyce receives a payout of S$1,600. PRUActive LinkGuard coverage is transferred to Annabel, protecting her against Death, Terminal Illness, and Total and Permanent Disability.
  1. Within 90 days of birth, Joyce enrolls Annabel in PRUShield Plus without medical underwriting.
  1. When Annabel is 2 years old, she's hospitalized for 5 days due to pneumonia. Her hospitalization is covered under PRUShield Plus, and she receives an additional payout of S$2,000 under PRUMum.
  1. At age 3, Annabel's coverage for Congenital Illness and Hospital Care Benefit expires, but she continues to be protected by PRUActive LinkGuard.
  1. In the 4th policy year, PRUMum expires. Joyce has received a total payout of S$6,800. Annabel continues to be protected by PRUShield Plus and PRUActive LinkGuard.

Coverage Amounts and Premiums

The coverage amount for PRUMum can be chosen from S$5,000, S$10,000, S$15,000, or S$20,000. PRUActive LinkGuard offers a basic Sum Assured of up to S$250,000 (which can be increased to S$500,000 with a multiplier benefit).

Premiums will vary based on the chosen Sum Assured, the mother's age, and other factors. In the example above, Joyce paid S$4,384 for comprehensive coverage for herself and her child.

Unique Selling Points of PRUFirst Gift II

Comprehensive Coverage

Protects both mother and child from pregnancy through early childhood and beyond.

Early Protection

Begins as early as the 13th week of pregnancy.

Mental Health Support

Covers psychological consultations and postpartum depression.

Seamless Transfer

Automatically transfers coverage to the child at birth.

No-Underwriting Options

Allows adding critical illness coverage for the child and enrolling in PRUShield without medical underwriting.

Investment Component

Provides potential for long-term wealth growth through PRUActive LinkGuard.

Considerations Before Purchasing

While PRUFirst Gift II offers comprehensive coverage, it's important to consider:

  1. Premium Costs : Ensure the premiums fit within your budget, especially considering other pregnancy and childcare expenses.
  1. Coverage Needs : Assess whether the coverage amounts are sufficient for your specific situation.
  1. Investment Risk : Remember that the investment-linked component carries market risks.
  1. Policy Term : Understand that some benefits expire after a certain period (e.g., PRUMum expires after 4 years).
  1. Exclusions : Be aware of any exclusions or waiting periods in the policy.

Conclusion

PRUFirst Gift II offers a unique and comprehensive solution for expectant mothers looking to protect themselves and their babies from pregnancy onwards. By combining maternity coverage, child health protection, and an investment-linked plan, it provides a holistic approach to safeguarding your family's future.

However, as with any financial decision, it's important to carefully consider your personal circumstances, budget, and long-term goals before committing to a policy. Consulting with a qualified financial advisor can help you determine if PRUFirst Gift II is the right choice for you and your growing family.

Ready to explore your options for protecting your pregnancy and your child's future? Don't rely on just one perspective. Get expert insights tailored to your unique needs. Sign up now to receive 5 expert opinions on maternity and child insurance plans. These professionals will review your specific situation and provide personalized recommendations, helping you make the most informed decision possible for your growing family.

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By consulting with multiple experts, you'll gain a comprehensive understanding of your options and ensure you're choosing the best coverage for this exciting new chapter in your life. Don't leave your family's protection to chance – get the expert advice you deserve today.