Children Insurance
Protect Your Child & Family From The Unexpected
What Are The Types Of Insurance That Are Recommended?
Maternity
Also commonly known as Pregnancy Insurance or Prenantal Insurance, it is a single-premium insurance that provides coverage for both the mum and the baby throughout the course of pregnancy, and even shortly after birth.
Hospitalization & Surgical
Provides coverage for the majority of hospital bills (up to 95%) and will give you the option to seek treatment for your child at higher class wards (A or B1) and at private hospitals where waiting times are typically shorter.
Personal Accident
Figures and information on this page are based on the following Prudential policies:
- PruMum for maternity coverage.
- PruPersonal Accident for personal accident coverage.
- PruShield Premier & PruExtra Copay for hospitalization & surgical coverage.
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What Is Maternity Insurance?
Maternity Insurance, also commonly known as Pregnancy Insurance or Prenantal Insurance, is a single-premium insurance that provides coverage for both the mum and the baby throughout the course of pregnancy, and even shortly after birth. It offers a lump-sum payout or daily hospital cash benefit to offset additional medical costs incurred in the event of a complication.
Every Singaporean Citizen and Permanent Resident is covered by MediShield Life, a basic health insurance plan administered by the Central Provident Fund (CPF) Board. However, the plan affords limited protection against the unexpected and only covers 24 serious pregnancy and delivery related complications.
Buying a Maternity Insurance to supplement your existing health insurance plans will enable you to have a more comprehensive safeguard in place for your family as it offers the following additional coverage:
- 13 Pregnancy Complications
- 25 Congenital Illnesses
- Mental Wellness Care
- Gestational Diabetes Mellitus
- Hospital Care Benefits For Mum
- Hospital Care Benefits For Baby
Maternity Insurance
Why Get Insured During Pregnancy?
Protection
Maternity Insurance protects both the expecting mother and baby against any unforeseen events that may arise.
Additional Coverage
On top of the protection offered by MediShield Life or your existing insurance plans, a Maternity Insurance offers a much broader coverage so that you may give the best care for your loved ones and ensure a smooth pregnancy.
Insurability
You have the option to purchase Maternity Insurance and Life Insurance as a bundle for your newborn before birth and thus, securing life insurance coverage for the baby without medical underwriting.
What Is Hospitalization & Surgical Insurance?
A Hospitalization & Surgical Insurance plan for your child provides coverage for the majority of hospital bills (up to 95%) and it offers a payout of up to $1,200,000.00 per annum.
While every Singaporean Citizen and Permanent Resident is automatically covered by MediShield Life, a basic health insurance plan administered by the Central Provident Fund (CPF) Board, it does not include all medical treatment costs. Hospitalization bills that may be reimbursed under this scheme will also depend on several factors such as the medical condition and the type of hospital you are admitted into.
On the other hand, an Integrated Shield Plan such as this Hospitalization & Surgical Insurance, provides a much more extensive coverage as it reimburses the bulk of the hospitalization bills and will affords you the option to seek treatment for your child at higher class wards (A or B1) and at private hospitals where waiting times are typically shorter.
The Hospitalization & Surgical Insurance plan covers:
- Inpatient & Day Surgery Benefits
- Hospitalization Benefits
- Surgical Benefits (Including Day Surgery)
- Living Organ Donor Transplant Benefits
- Emergency Medical Treatment Outside Singapore
- Planned Overseas Medical Treatment
- Pre- and Post-Hospitalization Benefits
- Outpatient Hospital Benefits
- Other Benefits
Why Insure Your Child?
Vulnerability
Newborns’ immune systems are suppressed and therefore, they can be particularly susceptible to sicknesses. As they are unable to communicate their discomfort verbally, doctors may recommend overnight stays in the hospital for observation when treating infants.
Insurability
The perfect time to buy insurance for your child is when they are babies. Children qualify for full insurance coverage without exclusions as they have a clean bill of health since insurers do not cover ailments or conditions the insured has before buying their plans. Premiums will be cheap as babies are perceived as low risk cases by insurers.
Coverage
Protect your child with a plan that covers the bulk of hospitalization bills (up to 95%) and one that affords your child the best available medical care. Without having to worry about hefty healthcare bills, you may be empowered to safeguard your family’s future financially and enjoy a peace of mind knowing that your child is well-protected.
What Is Personal Accident Insurance?
Having your child insured under a Personal Accident Insurance plan provides comprehensive coverage for the young and curious while safeguarding them against hard knocks. Be assured that your child is protected 24/7 with this plan.
A Personal Accident plan reimburses medical expenses incurred due to accidental injuries. It provides a lump-sum payment in the unforeseen event of accidental death and permanent disablement. The plan serves as a complement to your existing hospitalization or medical insurance plans as it offers additional coverage in the event of accidents, sicknesses and injuries.
Comprehensive Coverage
- 21 Infectious Diseases (such as Hand, Food & Mouth Disease, Dengue and others)
Free Extension Coverage
- Food Poisoning
- High Risk Activities
- Animal and Insect Bites (such as Dengue and Zika)
- Triple Payout (in the event of an accidental injury while traveling on public transport)
Optional Recovery Aid Benefit
- Recovery Expenses (incurred due to an unfortunate event leading to hospitalization)
Optional Fracture Care Benefit
- Extra Medical Expenses (incurred as a result of burns, fractures and broken bones)
- Reimbursement for Post-Accident Home Modification
- Mobility Aid
Why Get Personal Accident Insurance For Your Child?
Peace Of Mind
Afford your child the freedom to learn through play while having the assurance that they are protected round-the-clock. Empower them to explore the world and develop new skills without the potential financial burden that may be incurred due to an unexpected sickness or accident.
Additional Coverage
A Personal Accident Insurance plan is a good supplement to your existing insurance plans as it provides coverage for common viral infections as well as costs incurred due to accidents. Your current insurance plans may not sufficiently safeguard your child against potential accidents and falls.
Insurability
The best time to purchase insurance for your child is when they are still young as premiums are lower since they have a clean bill of health.
Contact Us
Get in touch with us to find out how insurance can support your family through pregnancy and beyond.