PRUMy Child Plus

Pregnant women health insurance, unlike ordinary medical plans, is designed specifically for mother and baby. PRUMy Child Plus covers for pregnancy complications, prenatal wellness, and emergency situations, supporting both the mother’s and the unborn child’s health needs from an early stage.​

PRUMy Child Plus acts as comprehensive baby insurance by covering your newborn infant for congenital conditions, ICU admission, developmental disorders, and infectious diseases up to age 7. Coverage for accidental injury, illness, and critical illness continues up to age 100, providing lifelong protection.​

Yes, PRUMy Child Plus extends infant insurance coverage after delivery, protecting your baby against congenital illnesses, developmental disorders, jaundice, and more. Hospitalisation and treatment costs for serious medical conditions are covered through early childhood, helping your child grow with peace of mind.​

PRUMy Child Plus uses PRUWith You Plus as its base plan, which provides additional protection for pregnant mothers and babies.

No. PRUMy Child Plus provides coverage for both pregnant mothers and babies as early as 13 weeks of pregnancy and continue to protect the child until the age of 100.

As with all insurance policies, there may be exclusions to the coverage, depending on factors such as medical history. The best way to find out about exclusions is to talk to our Wealth Planners or refer to the policy document.

Prudential’s maternity insurance covers the expectant mother financially for the following:

• Pregnancy complications
• Emergency C-section for early delivery
• Maternity cancer
• Mental wellness
• Infectious disease
• Death of foetus
• Death of mother

For the child, Prudential’s pregnancy insurance offers the following:

• Admission into ICU/HDU
• Incubation of the newborn
• Congenital conditions
• Child development disorder
• Neonatal jaundice
• Death of child
• Infectious disease

Yes, it is possible to apply for maternity insurance with Prudential even if you are already pregnant.

Yes, maternity insurance is worth it because of the comprehensive protection if provides for pregnant mothers and their babies. For instance, Prudential’s PRUMy Child Plus offers benefits from 13 weeks of pregnancy and continues to cover the child until the age of 100. It helps alleviate the financial burden of pregnancy-related expenses, such as prenatal care, delivery and post-natal care, and also includes coverage for the child in the event of accidental death or disablement.

Yes, you can. However, there may be certain limitations on when and how you can make the change, depending on the specific insurance plan you currently have. The best way to go about this is to check with your Wealth Planner for more information.

The cost of maternity insurance varies, depending on factors such as the insurance plan, one’s age and the coverage you want.

All mothers who are expecting or are already expecting can purchase maternity insurance.

Life insurance for your child is important because:

• Financial security: If the parent were to pass away, the life insurance policy would provide financial support for the child.
• Future expenses: Life insurance policies for children can accumulate cash value over time, which can be used to help pay for future expenses such as education or a down payment on a house.
• Potential savings: Life insurance policies for children tend to be less expensive than policies for adults, so they can be a cost-effective way to provide financial protection for your child in the future.
• Early coverage: Starting coverage at a young age may guarantee coverage at a lower cost due to the child's health, and also would give them time to accumulate cash value.

There is no ‘right’ amount to purchase. However, a general rule of thumb with life insurance policies is that they can provide enough money to cover your child’s future expenses. This would include the cost of education, living expenses, and housing until they are financially independent.