We understand you want to protect your child before he is born

Transcription

1 PROTECT We understand you want to protect your child before he is born PRUfirst gift

2 The First Gift that Begins from Within The first of its kind in Singapore, PRUfirst gift provides guaranteed protection 1 for your child even while he or she is still in the womb 2. No other plan begins this early PRUfirst gift protects your yet-to-be-born baby and the expectant mother, immediately upon policy inception, and from as early as 18 weeks into pregnancy. It also helps you give your child a real head start in life even before he or she is born and plan for his or her future protection needs. Best of all, it also offers you the flexibility to provide for your child s education and savings needs through investment. Reassurance during pregnancy PRUfirst gift covers the expectant mother against possible Pregnancy Complications 3 as well as Death 1, Terminal Illness 1 and Disability 1 before childbirth, and your yet-to-be-born baby against Death 3. Protection that begins from childbirth Your baby s guaranteed protection and investment plan starts from the day he or she is born, without any need for a health declaration 1. In addition to enjoying coverage against Death 1,4, Disability 1,4, Terminal Illness 1,4, Critical Illnesses 1 and Congenital Illnesses 5, your child will also be eligible for selected Hospital Care Benefits 6. Lump sum payout of $5,000 per child for Congenital Illnesses 5 Hospital Care Benefit 6 of $100 a day up to a limit of $2,500 for any of the following conditions: - Incubation of a newborn child for more than 3 consecutive days immediately following birth - Premature childbirth requiring Neonatal ICU - Inpatient hospitalisation due to Hand, Foot and Mouth Disease.

3 Double your joy? Enjoy double protection too! If you re expecting twins, PRUfirst gift offers you the reassurance that both the babies will be covered against selected Pregnancy Complications 3. Both babies will also enjoy Congenital Illness Benefits 5 and Hospital Care Benefits 6. Enhancement benefit for your child 7 Add on supplementary benefits to your child s plan within 12 months of his or her birth and enjoy a one-time 20% discount off the first-year premiums. A gift pack 8 for your newborn Notify us of your child s birth and you can look forward to receiving an exclusive gift pack 8 (inclusive of an OMRON digital thermometer and other complimentary vouchers). Two thoughtful plans rolled into one PRUfirst gift cares for your bundle of joy through two plans that provide seamless protection for both mother and baby, namely PRUmum2be and PRUlink protection plus account. Simply choose from one of the available PRUfirst gift bundles. Sum Assured PRUfirst gift 1 PRUfirst gift 2 PRUfirst gift 3 PRUmum2be $5,000 $5,000 $5,000 PRUlink protection plus account Premium payable PRUmum2be (Single Premium 9 ) PRUlink protection plus account (Monthly Premium 10 ) $100,000 $200,000 $300,000 $320 $320 $320 $100 + $200 + $ Premium is also available in quarterly, half-yearly and annual mode. PRUfirst gift: Protection from pregnancy to childbirth and beyond PRUlink protection plus account Coverage on the mother s life. PRUlink protection plus account (including Crisis Cover Provider III) Coverage on the child s life commences (coverage on the mother s life ceases). PRUmum2be Covers the mother against pregnancy complications. Covers the mother and unborn child against death. PRUmum2be Covers the child against Congenital Illness and provides Hospital Care Benefit. Covers the mother against death. PRUmum2be Covers the mother against death. 18 wks 22 wks 26 wks 30 wks 32 wks Birth 60 days from Birth 2 Years old 3rd Year Policy Anniversary Whole Life Only expectant mothers 2 can apply for PRUfirst gift.

4 Benefits of PRUfirst gift Enjoy Guaranteed Issuance Benefit 1 (for the child) and Enhancement Benefit 7, plus the following: PRUmum2be PRUlink protection plus account 11 Death Benefit 12 (mother) Pregnancy Complications 3 Congenital Illnesses 5 Hospital Care Benefit 6 Death 1,4 Terminal Illness 1,4 Total and Permanent Disability 1 Crisis Cover Provider III 1 (child) Potential investment returns 13 Flexibility to adjust coverage to suit different life stages and needs of your child Types of Pregnancy Complications 3,14 : Disseminated Intravascular Coagulation Death of the Foetus 3 Pre-Eclampsia or Eclampsia Fatty Liver of Pregnancy Amniotic Fluid Embolism Abruptio Placentae Postpartum Haemorrhage requiring Hysterectomy Types of Congenital Illnesses 5,14 : Down s Syndrome Spina Bifida Tetralogy of Fallot Transposition of the Great Vessels Atrial Septal Defect Absence of Two Limbs Anal Atresia Infantile Hydrocephalus Cleft Palate / Cleft Lip Cerebral Palsy Ventricular Septal Defect Club Foot Congenital Dislocation of Hip Congenital Blindness Congenital Deafness Congenital Diaphragmatic Hernia Retinopathy of Prematurity Please refer to the policy document for the exact terms and conditions for the Pregnancy Complications Benefit and Congenital Illnesses Benefit.

5 Call your Prudential Financial Consultant or our PruCustomer Line at today, or visit Footnotes: 1. Upon informing us of the birth of the child, the Mother s PRUlink protection plus account coverage will cease and the child s PRUlink protection plus account coverage will commence from the date of birth of the child. We will also automatically include Crisis Cover Provider III to the child s PRUlink protection plus account policy. The PRUlink protection plus account will terminate upon the expiry of 60 days from the Estimated Due Date of the child if you have not notified us of the birth of the child at that time. We will require evidence of good health if you notify us after 60 days from the date of birth of the child. 2. The life assured (expectant mother) must be between ages 19 to 45 next birthday and between 18 to 32 weeks of pregnancy. 3. For Pregnancy Complications Benefit, we pay $5,000 upon the diagnosis of any one of the covered pregnancy complications. For the Death of foetus coverage, there is a waiting period of 14 days from the inception date of your policy. This benefit will terminate upon the payment of the sum assured, or when the child is born, whichever is earlier. 4. Benefits for the child s PRUlink protection plus account coverage will be reduced if Death and Terminal Illness occur when the child is age 30 days and below, and for Disability, the benefits will be reduced when the child is below age one. Please refer to your policy documents for the exact terms and conditions on Termination of Policy. Death, Terminal Illness and Disability benefits do not terminate at age For Congenital Illness Benefit, we pay $5,000 if your child is diagnosed by a registered medical practitioner as having any one of the covered congenital illnesses. The child must be diagnosed with Congenital Illness within two years from the date of delivery and the child must survive at least 30 days from the date of delivery with congenital illness. This benefit will terminate upon the payment of sum assured or when child reaches the age of 2, whichever is earlier.

6 6. Hospital Care Benefit, is only payable if the child is hospitalised in Singapore or Malaysia for the covered conditions. It will terminate upon the claim limit of $2,500 per life is reached or when the child reaches the age of 2, whichever is earlier. 7. You must add the supplementary benefit(s) within 12 months from the birth of your child. We provide this one-time discount of 20% for a maximum total yearly premium of $1,000. The list of supplementary benefits eligible for discount will be determined by Prudential Singapore and is subject to change without prior notification. 8. Prudential Singapore reserves the right to change the Newborn Gift Pack with items of equivalent value without prior notification. To enjoy the Newborn Gift Pack, Prudential Singapore must be notified of the child s birth within 60 days from the child s date of birth. 9. The premium is based on a female non-smoker, age 30 on her next birthday. 10. Prudential Singapore reserves the right to vary the monthly adminstration and assurance charges for the basic benefits of the Death, Total and Permanent Disability, Terminal Illness and Crisis Cover Provider III. However, we will give you 30 days written notice before doing so. 11. Please refer to the PRUlink protection plus account policy document for exact terms and conditions. 12. For Death Benefit of PRUmum2be, we pay $5,000 if the mother dies during the term of the PRUmum2be policy. In that event, the Pregnancy Complications Benefit automatically terminates while the other benefits under PRUmum2be continue. The Death benefit will terminate upon the payment of the sum assured or on the third policy anniversary, whichever is earlier. 13. Investments are subject to investment risks including the possible loss of the principal amount invested. The value of the units may fall as well as rise. 14. For twins, we will pay the applicable sum assured for each twin in accordance to the covered benefits.

7 Note: Your PRUfirst gift plan will not be valid if the birth of the child takes place before the issuance of this plan. Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and the surrender value payable (if any) may be less than the total premiums paid. Investment products are subject to investment risks including the possible loss of the principal amount invested. The value of the units and the income accruing to the units (if any) may fall or rise. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. Premiums for some of the supplementary benefits are not guaranteed and may be adjusted based on future claims experience. You are recommended to seek advice from a qualified Prudential Financial Consultant for a financial analysis before purchasing a policy suitable to meet your needs. This brochure 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 Consultant. In case of discrepancy between the English and Mandarin versions of this brochure, the English version shall prevail. Information is correct as at 22 January 2016.

8 PROTECT Prudential Assurance Company Singapore (Pte) Limited. (Reg. No Z) 30 Cecil Street #30-01 Prudential Tower Singapore Tel: Fax: Part of Prudential plc