Maternity Insurance

PRUFirst Promise: Comprehensive Protection for Expectant Mothers and Their Babies

As an expectant parent, you're likely filled with a mix of excitement and anxiety about the journey ahead. Did you know that approximately 1 in 10 pregnancies in Singapore experience complications? Or that about 10-15% of new mothers experience postpartum depression? These statistics highlight the importance of comprehensive protection for both mother and child during pregnancy and beyond. If you're looking for a plan that offers peace of mind throughout your parenthood journey, PRUFirst Promise might be the solution you've been searching for.

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What is PRUFirst Promise?

PRUFirst Promise is a unique bundled protection plan designed specifically for expectant mothers and their babies . It combines two powerful insurance products - PRUMum and PRUActive Life - to provide comprehensive coverage from pregnancy through childbirth and beyond. This innovative plan even covers assisted pregnancies such as In Vitro Fertilisation (IVF), ensuring that families using fertility treatments are also protected.

Key Features That Set PRUFirst Promise Apart

Comprehensive Coverage

Protects mother during pregnancy and after childbirth . Covers baby from birth and throughout life.

Assisted Pregnancies Coverage

Includes protection for IVF and other assisted pregnancy methods.

Mental Wellness Care

Covers psychological consultations and postpartum depression.

Congenital Illnesses Coverage

Protects baby against 25 congenital illnesses .

Flexible and Long-lasting Protection

Coverage transfers from mother to child after birth. Lifetime protection for the child.

Why compare PRUFirst Promise 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

What Does PRUFirst Promise Cover?

For the Mother (PRUMum)

  • Pregnancy Complications: Covers up to 13 pregnancy complications

  • Gestational Diabetes Mellitus (GDM): Protects against GDM and its resulting conditions

  • Mental Wellness Care: Covers psychological consultations and postpartum depression

  • Hospital Care Benefit: Provides daily payouts for hospitalization due to 9 conditions

For the Baby

  • Congenital Illnesses: Covers 25 congenital illnesses including Down's Syndrome

  • Hospital Care Benefit: Provides daily payouts for hospitalization due to 8 conditions

  • Lifetime Protection: Covers death, terminal illness, total and permanent disability, and critical illness

How PRUFirst Promise Works

  • Purchase the Plan: When the mother reaches 13 weeks of pregnancy, she can purchase PRUFirst Promise.

  • Mother's Coverage Begins: The mother is immediately covered for pregnancy complications, GDM, psychological consultations, and hospital care.

  • Baby is Born: Upon birth, the PRUActive Life coverage transfers from mother to baby.

  • Baby's Coverage Begins: The baby is now protected against death, terminal illness, total and permanent disability, and critical illness for life.

  • Optional Add-ons: Within 60 days of birth, the mother can add coverage for Early Critical Illness for the baby without medical underwriting.

  • Continued Protection: PRUMum continues to protect the baby against congenital illnesses and provides hospital care benefits up to age 3.

  • Long-term Coverage: Even after PRUMum expires at the end of the 4th year, the child continues to be protected with PRUActive Life.

Key Benefits in Detail

For the Mother

  • Pregnancy Complications Coverage: Protects against 13 different pregnancy complications

  • Gestational Diabetes Mellitus (GDM) Coverage: Up to 10% of the selected sum assured

  • Mental Wellness Care: Covers psychological consultations and postpartum depression

  • Hospital Care Benefit: 2% of sum assured per day, for up to 50 days of hospitalization

For the Baby

  • Congenital Illnesses Coverage: Protects against 25 congenital illnesses

  • Hospital Care Benefit: 1% of sum assured per day, for up to 50 days of hospitalization

  • Lifetime Protection: Covers death, terminal illness, and total and permanent disability (up to age 70)

  • Optional Early Critical Illness Coverage: Can be added within 60 days of birth without medical underwriting

Real-Life Scenarios

Pregnancy Complication

If the mother develops gestational diabetes, she would receive up to 10% of the sum assured, coverage for resulting conditions, and daily payouts for hospitalization if required.

Postpartum Depression

The plan would cover psychological consultations and provide financial support upon diagnosis of postpartum depression.

Congenital Illness in Baby

If the baby is born with a congenital heart defect, the plan would provide a payout to help with medical expenses and still cover future critical illnesses without exclusions.

Pros and Cons

Pros

  • Comprehensive coverage for both mother and child

  • Covers assisted pregnancies like IVF

  • Includes mental wellness care

  • Lifetime protection for the child

  • No medical underwriting for the baby's coverage

Cons

  • Coverage is tied to pregnancy, so must be purchased before giving birth

  • PRUMum portion expires after 4 years

  • Some benefits have time or age limits

Frequently Asked Questions

Can I get this plan if I'm already pregnant?

Yes, you can purchase PRUFirst Promise from the 13th week of pregnancy.

What if I'm using IVF or other assisted pregnancy methods?

PRUFirst Promise covers assisted pregnancies, including IVF.

How long does the coverage last?

PRUMum lasts for 4 years, while PRUActive Life provides lifetime coverage for the child.

Can I add coverage for my baby after birth?

Yes, you can add Early Critical Illness coverage for your baby within 60 days of birth without medical underwriting.

What's not covered by this plan?

Like most insurance policies, there are exclusions. It's best to check the product summary for detailed information.

Conclusion

PRUFirst Promise offers a unique and comprehensive solution for expectant parents , providing protection from pregnancy through childhood and beyond. With its coverage for both mother and child, including mental wellness care and congenital illnesses, it addresses many of the concerns that new parents face. The flexibility to transfer coverage to the child and add on benefits without medical underwriting makes it a versatile choice for growing families.

However, as with any insurance decision, it's important to carefully consider your personal needs and financial situation before making a choice. The right plan for you will depend on your individual circumstances, existing coverage, and long-term family plans.

Ready to explore your options further? Don't rely on just one perspective. Get expert insights tailored to your unique needs. Sign up now to receive 5 expert opinions on pregnancy 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 your family's future. Don't leave your family's protection to chance – get the expert advice you deserve today.

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