Pru My Child

FIRST IN MALAYSIA :- that covers BOTH mother & child during pregnancy & infancy
PRUmy child provides you with peace of mind knowing that all you hopes, wishes, and dreams for your child are well secured. It gives you:



# A complete protection for every stage of your child's life even before birth

# Additional protection for parents to ensure their child will continue to enjoy uninterrupted protection and benefits should any unfortunate events happen to either parent.

# Planting a seed towards secure education funds for the child.


ALSO FIRST IN MALAYSIA to cover Pregnancy Complications!
Who can buy this benefit?

WHO Can Buy This Benefit?
- Pregnant ladies between 18 to 45 years old next birthday
- 18 to 35 weeks of gestation
WHAT does PRUmy child Cover ?
- Pregnancy Complications
- Death of foetus, child, and mother
- ICU / HDU for premature birth
- Incubation of new born
- Hospitalisation due to congenital conditions


Besides covering the health of the mother and child, PRUmy child can also include savings for your child’s education as well parent’s protection.
Special 30 days Offer !
EXCLUSIVE to web-visitors of this site , we are offering you a free baby welcome pack for your newborn, if you contact us within 30 days of the PRUmy child launch!



What pregnancy complications and child care benefits do we cover?

PRUmy child can cover the following pregnancy complications and newborn complications.
Pregnancy Complications


Death of Foetus (Miscarriage)- All premiums paid will be refunded.

Pregnancy Complications e.g. Eclampsia, Abruptio placentae, amniotic fluid embolism -RM5,000
Maternal Death (up to 30 days from delivery - RM10,000 to RM20,000


Child Care Benefits

ICU & HDU for Premature Birth - RM300 to RM500 daily

Infant Death (within 30 days of birth) - All premiums paid will be refunded.

Incubation of new born - RM100 to RM200 daily

Hospitalisation due to congenitial illness - Up to RM25,000 until age 2 years old


Congenital conditions



Claims for hospitalisation reimbursement up to RM25,000 annually up to age 2 years.

Congenital condition coverage (PRUearly start):
• Congenital Cataract
• Congenital Deafness
• Anal Atresia

Congenital condition coverage (PRUbest start):
• Congenital Cataract
• Congenital Deafness
• Anal Atresia
• Infantile Hydrocephalus
• Atrial Septal Defect
• Ventricular Septal Defect
• Congenital Diaphragmatic Hernia
• Tetralogy of Fallot
• Transposition of Great Vessels
• Truncus Arteriosus
9 Child Specified Illnesses (PRUessential child):
• Glomerulonephritis with Nephrotic Syndrome
• Sever Asthma
• Sever Epilepsy
• Leukemia
• Insulin-dependent Diabetes Mellitus
• Rheumatic Fever with Valvular Impariment
• Kawasaki Disease with Heart Complications
• Severe Juvenile Rheumatoid Arthritis
• Intellectual Impairment due to illness or accident

Why you should buy early

The benefits and coverage for PRUmy child takes effect even before the child is born; therefore, the protection for child and parents are in effect right from the start.

Prudential:
• Buy PRUmy child and attach it with full range of benefits/riders before birth
• Upon birth, no re-underwriting required *
• Even if the child is born with abnormalities, he/she will still have full insurance protection, if the cover is purchased before the birth of the child **
* Provided no increase in benefits after child birth
** Subject to terms and conditions in policy documents

Competitors:
• Currently, competitors do not offer insurance covers before birth
• When buying insurance policies after birth, the child will be subject to underwriting requirements
• If the child is born with abnormalities, he/she might not be accepted as standard risk.

Savings for child education

Prudential understands that the education costs to study locally and overseas are increasing every year.
PRUmy child allows you to incorporate two optional education funds to further increase your investment to guarantee a bright future for your child.

Tuition & living expenses in today’s Ringgit (RM)
Australia 210K 376K
USA 350K 627K
UK 430K 770K

Assumption: Real cost in 10 years is based on a 6% inflation rate for a 3 year course
Source: Funding your child's education with Unit Trusts, www.fmutm.com.my, 2009
Prudential PruSaver Kid and PruEdu Saver are powerful investment tools that make your money work harder for your child's future.