Pardon my intrusion, as my purpose here is to provide information. If I'm interrupting in your conversation, please do let me know and I'll leave.

As a parent myself all of us hope to have healthy babies and to see the bundle of joy giving you massage (my 5 year old does ) when you come home at night is the greatest feeling a dad will ever have (of course during that time her hand will 'accidentally' massage your shirt pocket for coins for her piggy bank but I'm not complaining).

However, how prepared are we should the baby is born with congenital issue?

A friend of mine had baby with a hole in the heart and is spending ~RM 30K per annum at Gleneagles PG. The child is now 4 years of age. How he wished we had launched the PruEarly Start & PruBest Start product.

WHAT DOES IT COVER FOR THE BABY?

1. As you may had already know, if the baby is born healthy, there isn't much issue to get the child covered. However, should the baby is born with congenital condition, no insurance would want to provide coverage. This is where Prudential Early/Best Start comes in.

Bridging the gap and it covers the following congenital condition and reimburse hospitalization claims of up to RM 25K per annum (up to age 2).

Anal atresia, Atrial Septal Defect. Congenital Cataract, Congenital Deafness, Congenital Diaphragmatic Hernia, Infantile Hydrocephalus, Tetralogy of Fallot, Transposition of Great Vessels, Truncus Arteriosus, Ventricular Septal Defect

2. ICU / HDU for Premature Birth: PruEarly Start RM300 daily, PruBest Start RM 500 daily (max 30 days)

3. Incubation of new born child immediately following birth: PruEarly Start RM 100 daily, PruBest Start RM200 daily (max 60 days)

4. Death of Infant (within 30 days of birth): Total premiums paid or total value of units in account, whichever is higher

WHAT DOES IT COVER FOR THE MOTHER?


1. Pays up to RM 5K (Only for PRU Best Start) for the pregnancy complication for the mother for the following condition:- Eclampsia, Abruptio placentae, Amniotic fluid embolism

2. Death of Foetus: Total premiums paid or total value of units in account, whichever is higher

Note: This is an insurance product that is tied to the performance of the underlying assets, and is not a pure investment product such as unit trusts


The brochure can be found here http://www2.prudential.com.my/corp/prudent.../PMCPESPBS.html

One can take up this plan for the unborn child as early as 18 weeks (up until 35 weeks) into your pregnancy and if you are between 18 – 45 years of age next birthday.

PM me if you need further information on the PruEarly Start & PruBest Start

Again, please accept my apology for the intrusion.

This post has been edited by roystevenung: May 8 2012, 12:06 PM

Please check your email. Thanks

Wow, I hope she's okay? It must be quite an ordeal for her. I don't think this will ever happen at a private hospital.

+2 for Government Hospitals, especially when they actually takes in patients who are elderly above age 85 which would be commonly rejected at private hospital.

By the way, who was the gynae doctor at the Penang GH?

So many houseman, never mind lo

LWEH is by far the most reasonably charged hospital... for LWEH

The hubby must be smiling too