Introduction
Embarking on the journey of motherhood is an exciting yet challenging experience. As an expectant mother, it's crucial to protect both yourself and your unborn child from potential complications. Prudential's PRUMum is a comprehensive maternity insurance plan designed specifically for pregnant women and their newborns. This unique 4-year term plan offers financial protection against various health situations that may arise during pregnancy, childbirth, and early childhood. With PRUMum, you can focus on the joys of motherhood while having peace of mind about potential health risks.
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Coverage and Benefits
PRUMum offers a wide range of coverage options to protect both mother and child. From pregnancy complications to congenital illnesses, this plan ensures comprehensive protection during this crucial period. Let's explore the key coverage areas and benefits provided by PRUMum.
Pregnancy Complications Coverage
PRUMum covers up to 13 pregnancy complications. If diagnosed with any of these complications, you'll receive the full sum assured, providing financial support during challenging times.
Hospital Care Benefits
The plan offers 2% of the sum assured per day of hospitalization, up to 50 days, for nine pregnancy-related conditions. With the Hospital Care Accelerator, you can receive up to 100% of the sum assured for extended hospital stays or ICU admissions.
Congenital Illness Protection
PRUMum covers 25 congenital illnesses for your newborn. If diagnosed within 3 years from birth, you'll receive the full sum assured, ensuring financial support for your child's medical needs.
Mental Wellness Support
The plan includes coverage for psychological consultations and postpartum depression. You can claim up to S$200 for consultations and 5% of the sum assured for postpartum depression diagnosis.
Additional Benefits
PRUMum goes beyond basic maternity coverage to offer a range of additional benefits. These features are designed to provide comprehensive support for both mother and child during pregnancy and early childhood. Let's explore these extra protections that make PRUMum stand out.
Gestational Diabetes Coverage
PRUMum offers protection against gestational diabetes mellitus (GDM) and its related conditions. You can receive up to 10% of the sum assured for GDM-related complications.
Child Hospital Care
Your newborn is covered for hospital care up to 3 years old. The benefit pays 1% of the sum assured per day of hospitalization, up to 50% of the sum assured.
Multiple Birth Coverage
For multiple births, each child is separately covered for congenital illnesses and hospital care benefits. This ensures comprehensive protection for all your newborns.
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Policy Term and Renewability
Understanding the policy term and renewability options is crucial when considering PRUMum. This section outlines the key details about when you can purchase the policy, how long it lasts, and what happens when the term ends.
Eligibility and Entry
PRUMum can be purchased from the 13th week of pregnancy until before the child is born. The maximum entry age for the mother is 50 years old.
Fixed Policy Term
PRUMum has a fixed policy term of 4 years. This ensures coverage from pregnancy through the early years of your child's life.
Non-Renewable Policy
The policy is not renewable after the 4-year term. It's designed to provide targeted protection during pregnancy and early childhood.
Claims and Customer Service
Filing claims and accessing customer support with PRUMum is designed to be straightforward and efficient. To initiate a claim, policyholders should contact Prudential's customer service team or their assigned financial consultant. They will guide you through the necessary documentation and steps required for claim submission. For any queries or assistance, Prudential offers multiple channels of support, including phone, email, and in-person consultations at their offices. Their dedicated team is committed to providing prompt and helpful service to ensure you receive the support you need during this important time in your life.
Conclusion
PRUMum is an excellent choice for expectant mothers looking for comprehensive protection during pregnancy and early motherhood. It's particularly suitable for first-time mothers who want peace of mind against pregnancy complications, those concerned about congenital illnesses, and parents seeking early health coverage for their newborns. The plan's unique features, such as mental wellness support and gestational diabetes coverage, make it a well-rounded option for many expecting families.
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