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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PRUFirst Gift II is a bundled insurance plan that combines two key components:
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.
Protection begins as early as the 13th week of pregnancy and continues until the end of the fourth policy year.
Covers up to 17 pregnancy complications, providing financial support if complications arise.
Up to S$2,000 payout for GDM and related conditions, helping manage the costs associated with this common pregnancy complication.
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.
Covers psychological consultations (up to S$100 per session, maximum 2 sessions) and provides up to S$1,000 for postpartum depression diagnosis.
Provides a lump sum payout in the unfortunate event of the mother's death.
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.
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.
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).
Option to enroll your baby in PRUShield Plus or PRUShield Standard plan without medical underwriting (within 14 to 90 days from birth).
PRUActive LinkGuard provides lifelong protection and potential for wealth growth.
Let's consider the case of Joyce, a 36-year-old expectant mother:
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.
Protects both mother and child from pregnancy through early childhood and beyond.
Begins as early as the 13th week of pregnancy.
Covers psychological consultations and postpartum depression.
Automatically transfers coverage to the child at birth.
Allows adding critical illness coverage for the child and enrolling in PRUShield without medical underwriting.
Provides potential for long-term wealth growth through PRUActive LinkGuard.
While PRUFirst Gift II offers comprehensive coverage, it's important to consider:
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.
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.
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Read the complete transcript of our expert discussion about PRUFirst Gift II. This detailed analysis covers key features, benefits, and important considerations for potential policyholders.
Welcome to the deep dive, where we cut through the noise and get straight to the insights you need.
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