Page 9 - 4. July 2016

ಸಿಂಪುಟ ೬, ಸಿಂಚಿಕೆ ೭, ಜುಲೆೈ, ೨೦೧೬
Things you should know
ಉಪ್ಯುಕಿ ಮಾಹಿತಿ
Types of medical insurance for children -Jayashree
Note : (Continued from June,2016 issue)

Hospital and surgical plans
 Medisave-approved Integrated Shield Plans offered by private insurers which cover hospitalisation
and surgical expenses.
 Premiums can be paid by Medisave funds.
 Help to cover hospitalisation bills as a result of accident or illness, including day surgery bills, on an
“as charged” basis, as well as expenses for treatment or surgery in hospital.
 Cover pre- and post-hospitalisation expenses for up to 90 days.
 Like MediShield, these private shield plans have co-insurance and deductible features to keep pre-
miums affordable.
 Can add on a range of riders for more comprehensive coverage.

Savings or endowment plans
 For the child’s education or other expenses; can either be in a parent’s or the child’s name.
 Riders, such as those covering critical illnesses, can be added.
 Payment terms can be tailored to one’s needs.

Personal accident and infectious disease plans
 Provide comprehensive global protection against personal accident and 17 infectious diseases
(includinghand, foot and mouth disease and dengue fever).
 Weekly cash benefits for infectious disease claims.
 Medical expenses for injury or infectious diseases cover treatment by Chinese medicine practition-
ers and chiropractors.
 Critical illness plans
 Available on a whole lifetime basis or on term insurance but with a limited payment period.
 Help to reduce the financial burden by paying a lump sum if the child is diagnosed with a critical
illness like heart attack, stroke or cancer.
 Offer alternative sources of income or cash for treatment options not covered under a hospital and
surgical plan.
 Payout does not depend on hospital admission or the actual medical expenses incurred.
 Medical expense and critical illness insurance policies are both essential and complement each oth-
er.

Some of the Plans are enumerated below:
PRUfirst gift

We understand you want to protect your child before he is born.
The First Gift that Begins from Within

The first of its kind in Singapore, PRUfirst gift provides guaranteed protection for your child even while he
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or she is still in the womb .
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No other plan begins this early

PRUfirst gift protects your yet-to-be-born baby and the expectant mother, immediately upon policy incep-
tion, 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 potentially provide for your child's education and savings needs through investment.

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