what insurance got cover for below 1 month pregnant woman and deliver medical fee all cover

the only insurance that you can purchases outside (by yourself); I know in the market regarding pregnancy is only prudential which cover your baby while still 'inside'...but not cover on the deliver medical...

not sure, hopefully some 1 know can provide info

My wife has a woman insurance from HLA.

It covers womanly diseases and also chidlbirth. It also doubles up as a investment plan to buy their shares.

The childbirth doesn't cover your medical fees but they consider it as a childbirth gift. You can get up till 5% of your insured amount when you give birth (and stay in a hospital).

I.e. if my wife is covered for RM300,000, when delivery, can claim RM3,000 a day stay in hospital. Max 5 days. Max 3 kids. But you can only claim one year after you sign up the package.

Also if there is complications and etc, those are different claims. Not sure if it covers hospitalisation for complications etc.

Nice info mates. Never know about that. Will try to sign up for it. At least, RM3,000 (assuming insured for RM300,000) is already half of the fees of giving birth fees at MOST (not all) of the private hospital in Malaysia.

Mind to share which product name?

Sorry! don't know whats the name of the plan. but if you need more information you can pm me for the contact of the insurance agent and you can ask her more information.

It's not too bad. The insurance agent encourage you to stay 5 days to claim the maximum of 15k. Just that this is a planning insurance/ investment and you have to wait 1 year.

I bought PruLady from Prudential which works out pretty much the same, only that the premium is 100,000 and you get 3k max for child delivery. Max 2 babies.

It also covers womanly diseases such as cervical cancer etc. And any pregnancy complication such as stillbirth (after 2nd tri) is covered.

When I bought PruLady there was no other similar product in the market. But now its good to know there's a lot in the market

Moko, congratulations on your baby!

As you may already know insurance main purpose is to provide PROTECTION and not INVESTMENT. Having said that, please keep an open mind on this. Many people I spoke with especially chinese thinks its taboo to talk about the condition of the unborn child. I do have friend who has to spend RM 20-25K / yearly due to hole in the heart baby. How he wished we had introduced this plan much earlier. His daughter is now 5 years old.

For your information, Prudential's PRUmy child policy can be attached with PRUbest start rider starting from 4 months from pregnancy.

It is every parent wishes to deliver a healthy baby but at times, there are complications during childbirth, be it for the mother, or the child. Comparing to most plans out there whereby it can only be purchased 2 weeks after the child is born, PRUbest start serves to bridge the gap through pregnancy, childbirth and as they begin to grow up.

Here are the benefits of the PRUbest start:

1. Pregnancy complications: Eclampsia, Abruptio placentae, Amniotic fluid embolism (RM 5K)

2. During pregnancy stage - Death of foetus (Total premiums paid or the total units in the policy, whichever higher)

3. ICU/HDU for premature birth (RM500 daily - max 30 days)

4. After child birth (within 30 days from birth) - Death of infant (Total premiums paid or the total units in the policy, whichever higher)

5. Incubation of new born child immediately following birth - RM200 daily (max 60 days)

6. Hospitalisation of child due to Congenital Conditions - Reimbursement of hospitalisation claims up to RM25,000 annually (up to age 2 years)

PRUbest start covers the following congenital conditions. Congenital conditions means a disability that the baby was born with and generally it is not being covered by any insurance should the child is born with that condition.

The following congenital conditions are covered:
Anal atresia, Atrial Septal Defect, Congenital Cataract, Congenital Deafness, Congenital Diaphragmatic Hernia, Infantile Hydrocephalusm, Tetralogy of Fallot, Transposition of Great Vessels, Truncus Arteriosus, Ventricular Septal Defect

You can take up this plan for your 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.

However, it does not pay for your delivery medical fee. It is more towards protecting your and your unborn child of major hospital bills like hole in the heart babies.

In my humble opinion, honestly, plans that pays for the delivery is just a gimmick plan that ties you with that insurance company. RM 3K is not something we should be worried about as it will not cause any financial distress and we can't be broke because of the RM 3K delivery.

However, like my friend whose baby was diagnosed with hole in the heart and being slapped with the RM 20K yearly, that is what we are protecting our clients from.

http://www2.prudential.com.my/corp/prudent.../PMCPESPBS.html

Just an update. Received RM15k from HLA already for the stay of 5 days at hospital. (1 week to claim only)

Unfortunately this plan has been discontinued. According to the agent, not very "dai" for the company. It has been revised to something like 10k max or 8k but stay in hospital 3 days.

Hi if u wish to know more about HLA maternity plan do call/ws me, cik izan 0192785281@find me on fb 'noury campbell' ..I am 8 years HLA insurance advisor and I am specialized to woman's account.tq :-)

Hi if u wish to know more about HLA maternity plan do call/ws
me, cik izan 0192785281@find me on fb 'noury campbell' ..I am
8 years HLA insurance advisor and I am specialized to woman's
account.tq :-)

Got my wife - PRUmy Child from Prudential during my wife preg. Alot of information you can get from PRUmy Child.

Hi guys
Anyone has any idea what is the latest available plan for child during pregnancy?

This post has been edited by zeroexz: Sep 24 2016, 01:48 PM

I think you may purchase the plan after bb full moon aka 1 month old.

You can purchase one for the mother before the pregnancy and once the baby is 15 days old, you can purchase a policy for the baby.

any plan that covers medical? can go good hospital then

Yes there are. It covers pregnancy as early as 14 weeks and others additional protection for mommy n baby.

Hi Jesse,

Do you mind to share which insurance company that offers these kind of packages, thanks in advance.

Hi, you can check out AIA's ALIFEJOY which You can purchase this plan for your child from as early as 14 weeks of pregnancy. If you are an A-Life Lady360 customer, you can secure coverage for your child even if you are under 14 weeks pregnant without any medical underwriting.

you can PM me if you want more details on the plans

Regards,
LYNN
AIA LIFE PLANNER

HI, you can check out AIA's plans for kids such as ALIFEJOY where you can purchase this plan for your child from as early as 14 weeks of pregnancy. If you are an A-Life Lady360 customer, you can secure coverage for your child even if you are under 14 weeks pregnant without any medical underwriting.
it is an investment link policy whereby you can add multiple riders (eg education savings fund for your child via A-Plus ScholarSaver) to the plan for more benefits etc.
the good thing about this plan is when your child reaches the age of 18, AIA would double the amount your child is covered for, capped at RM 100k, without any medical underwriting.

you can PM me if you want more details on the plans

Regards,
LYNN
AIA LIFE PLANNER

Hi Lynn,

I have PM you, please check ur inbox.

GE has launched a new plan specially for pregnancy risk and unborn coverage.

The coverage starts from 13th-35th week. Benefits for hospital allowances, congenital illness, pre-booking of medical card and etc.

Hi Ewa, you mean the last dateline to buy the insurance is week 35?

I bought from AIA insurance
For mummy: AIA medical card, AIA Life lady 360
For baby: AIA Life Joy 2 + A plus health (medical card for baby) , A plus Baby care (maternity insurance) , A plus waiver extra and A-Plus Disability Care.

Its good that we can buy medical card for baby while pregnant without any underwriting from baby but of course mummy shud have a normal pregnancy thus far to apply. If have any complications or Gestational diabetes they may reject.

Yes, after week 36th then unable to get this plan.

Just for my future reference, cause I already bought and gave birth to my first child. Will consider when having second one later.

Great, good news from u!

can you share how much you bought for the plans?

AIA could range from 3-4K if not mistaken.

For mummy: AIA medical card, AIA Life lady 360 (Bout RM1060/ mth coz i opt for highest coverage(300ksum assured) , AIA medical card only RM100+/ mth but the aia life lady 360 is higher in premium )
For baby: AIA Life Joy 2 + A plus health (medical card for baby) , A plus Baby care (maternity insurance) , A plus waiver extra and A-Plus Disability Care. (RM280 per mth )

but i think everyones premium is different base on your age and you required sum of insured lower or higher and underwriting loading or not.Even baby plans i took lower sum assured but higher plan for medical card.

Update: just received 3% of my sum assured as cash reward for giving birth to a baby.

This post has been edited by joeylny: Aug 5 2019, 11:06 PM

Is there any policy cover from pre maternity check up until give birth?
I heard some companies can claim for such medical fee

If u know do let us know. I think there is non in the market has this benefits. W