Page 10 - 4. July 2016

ಸಿಂಪುಟ ೬, ಸಿಂಚಿಕೆ ೭, ಜುಲೆೈ, ೨೦೧೬
ಉಪ್ಯುಕಿ ಮಾಹಿತಿ Things you should know
Types of medical insurance for children -Jayashree

Key Features
 Offers protection and the flexibility to provide for your child's education and savings needs through
investment
 Covers expectant mother against possible Pregnancy Complications as well as Death, Terminal Illness
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and Disability before childbirth
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 Covers newborn against selected Congenital Illnesses as well as
Death, Disability, Terminal Illness and Critical Illness
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 Offers selected Hospital Care Benefits to the newborn
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 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
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 If you are expecting twins, PRUfirst gift covers both babies against
selected Pregnancy Complications and offers both newborns selected Congenital Illnesses and Hospital
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Care Benefits 6

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 preg-
nancy complications. For the Death of foetus coverage, there is a waiting period of 14 days from the incep-
tion 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. For Congenital Illness Benefit, we pay $5,000 if your child is diagnosed by a registered medical practition-
er as having any one of the covered congenital illnesses. The child must be diagnosed with Congenital Ill-
ness 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.
5. 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 2.
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 bene-
fits 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.

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