4 reasons why you need insurance now that you’re pregnant
Your soon-to-be newborn is the most precious one in the world for you. So why haven’t you gotten him or her insured yet? Yes, it’s possible to get one of the best insurance plans for pregnancy, right now.
You’re ready to pop! You’ve done everything you can, from taking your prenatal supplements, to purchasing what you need once you give birth. However, are you truly ready for what’s to come? If you’re like most Malaysian moms, you may have missed out on one crucial thing: prenatal coverage and coverage for your soon-to-be newborn. But what exactly does this kind of insurance give you? Why is it necessary to have your child insured while he or she is still in the womb? We give you the answers and suggest one of the best insurance plans for pregnancy in Malaysia.
#1: It protects your child even before birth
Most mothers will tell you that being pregnant costs more money than they initially thought. Between the checkups and prenatal tests you need to take within those nine months, the amount can add up to a hefty sum.
Getting your baby insured will help to protect your baby, even before he or she comes out of the womb. If complications were to arise, an insurance plan can ease your financial burden and allow you to focus on your pregnancy journey.
#2: It protects you while you’re pregnant
Most medical plans do not cover pregnancy, as most insurance or health plans are developed without pregnancy in mind, focusing instead on your future needs given your present situation. Maybe you were single then, without plans of having children.
But now that your family is set to grow, your needs have changed. That’s why prenatal coverage is important — to make sure that you and your child are cared for, no matter what happens while you’re expecting or when you’re in the delivery room already.
To answer these needs, there is actually a plan that is made for pregnant women. PRUMy Child Plus gives your soon-to-be newborn coverage as early as 14 weeks in the womb. This makes it the ideal insurance policy for women planning on starting a family, or for women who are already pregnant. It is also the only coverage that includes IVF pregnancies – the first in the market. The coverage includes prenatal needs, critical illness, medical needs and any additional options that you may choose.
#3 It covers a wide range of congenital conditions, including neonatal jaundice
As soon as babies are born, they undergo a series of tests, from how much they weigh, to checking for any congenital conditions. If your child has a congenital condition, you need to be ready.
PRUMy Child Plus covers a range of congenital conditions and other newborn coverage, including neonatal jaundice, which is the yellowing of a baby’s skin and eyes. It is one of the most common conditions that newborns can have, affecting up to 60% of full-term babies and up to 80% of preterm newborns. If left untreated, it can lead to serious harm.
It’s comforting to know that PRUMy Child Plus can help you through situations like this, if needed.
#4 You can use it for more than health insurance
Beyond pregnancy and newborn coverage, you may also get other kinds of coverage — savings, critical illness, and accident riders can be attached to your PRUMy Child Plus plan. When your child reaches 25 years old, the critical illness rider covering specified child critical illnesses will automatically convert to cover the 43 critical illnesses. This way, the coverage grows up with your child, making it the policy that they can have all the way to adulthood.
EASE stands for Easy and Simple Enrolment. This means that when you have been covered under PRUMy Child Plus, your next pregnancy can be easily covered under the EASE process, without going through the whole process of application again.
When you enroll now, you will get free 50% additional critical illness coverage for Essential Child Rider for three years! The Crisis Care rider will allow you to receive a lump sum benefit of any one of the 43 covered Critical Illnesses listed. This means it won’t reduce or take away from your plan’s Basic Sum Assured.
Once you reach your third policy year, the additional 50% coverage can be converted to permanent coverage, no problem – absolutely no questions asked. You can even do this via smartphone – it’s that easy!
For more information about the PRUMy Child Plus, click here.
 Neonatal Jaundice, www.ncbi.nlm.nih.gov/books/NBK65113/