hi, daddy and mummy, do you ever plan for unborn baby have a protection in advance?

nope, i mean, many parents start planning for their kids insurance protection after baby is born. Will any other parents have thought in plan earlier while baby still inside mummy's stomach?

Yeap i believe most insurance companies have insurance for unborn baby.
Atleast i know Prudential and AIA has it.

Contact your insurance agent they can help u

Ya, these two companies have it.. thanks

Great Eastern is going to launch a plan for unborn baby and the protection will carry on after he/she delivered also.
i ask here, is because the parents surrounding me common practice is to plan after delivered, just curious will there any parents to be outside there have different thought..

Depends what they want...prenatal and postnatal insurance covers different things.
eg like iinm penyakit kuning if u dont buy during prenatal cant claim that.

yaya, you are right, if jaundice, must buy before delivered

However for this insurance only give lumpsum claim instead of full cost incurred so may not be practical to buy 3-4 months before due date since premium is above RM150/month.

in my case i do not want to buy prenatal insurance because i do not want to get anything if anything happen to my unborn bb. i want my bb to safely deliver, will do alot of precautions n preparation till my bb deliver. Maybe u can said i m close minded kind of ppl. I dun get the point to buy prenatal.

post natal yes... mainly medication and savings for bb's future

do you mean hospitalization?

sorry medical card, yes hospitalization haha tq for the heads up

Actually i am GE agent, after attend company new product launching for this baby plan, coincidentally I am pregnant now, so wonder to know will there many parents keen on it..

I also hope my baby will deliver safely, haha, but I was attracted by one point as can pre-booking the medical card and it starts the waiting period once baby is born. No need wait after one month of delivery only start it. Feel more secure. I am considering on it. Hmm

I bought Prudential during the TCE fair last weekend. RM3.6K per year and proivde free gifts and additional protection sum. The agent said only offer during the fair.

Pregnancy journey is so unpredictable, when something unpleasant events happen and the gyne said no reason why this happen '' ''

So will encourage all mommies to be to get 1 plan if can afford la.

PS: No selling just sharing my 2 cents.

ya, agree.. i start feel concern is when my aunty's daughter after delivered, only discover congenital condition, cant have any medical coverage until now, ady year 5. sometimes the congenital conditions cant discover during pregnancy.

if got budget, really can consider one for safety purpose.

Definitely buy one as early as possible during pregnancy. I think prudential can buy by week 14.

I took baby insurance when i was pregnant at week 17. At first i thought of ppstponing, to only take it when i am almost due but my agent friend advised me to take early in case pregnancy gets complicated at the end.

My baby was born premature and required incubator, nicu stay, had jaundice and required phototheraphy. The claim we got back from insurance helped with the bills.

You might say you dont want anything if something bad happened to baby. True. But actually baby insurance pay very minimal if baby (touch wood) did not survive. It s more on medical needs for baby.

Also if baby is born with congenital problem, you wont be able to buy insurance for him already because it s prexisting illness now. I knew some mommas while at nicu, they regretted not buying insurance for their babies.

Wow, luckily you took for your baby.. I agree, we really can't expect what will happen next. Of course, we hope we will be safe delivery, and baby born in healthy. But it is in case. Now Great Eastern ady make the entry week earlier to 13 weeks. I am pregnant with 26 weeks. So because of the worry of unexpected events, will start the protection too.

Im planning to buy AIA plan .

So yes it is important .

If you know you want children, get the insurance 1 year earlier...
If you only get the insurance while you are already pregnant, you can only get coverage for your baby after he / she is born. If you get an insurance before you are pregnant you can also get insurance for yourself if you have any kind of complications.

If you become pregnant and you were not insured yet. i'd recommend you to go to the goverment clinic also as a backup.

How late can you get the insurance?

Or is it more of a concern about how soon can you get it?

in case wanna have medical coverage, pregnant lady still can get her own medical card before 8 months.

as early as 13th week and as late as 35th week.

Get ard 13th-17th week before the detailed scan. Once the scan told something not so favour then rejection ws quite high.

O that is new information for us. We were not able to find an insurance for the mother needs.
We started the process at week 12.

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.

Then it is definitely a good news to you and your surrounding people, pregnant lady still have the right to have medical coverage. If you required any further info, may tell me anytime

Just advice to those pregnant mummy, most companies entry weeks are max 35 weeks. But suggested don't wait until that late only apply, as require O&G report that take some times. Advice not later than 32 weeks to make a decision will be the best

Yea, good that you have one for your baby:) agreed that mummy must be healthy without gestational diabetes or high blood pressure, my friend experienced before is when enter to third Trimester only diagnosed with gestational diabetes. Mummy need to control diet also, on sugar and protein, to reduce this risk.

During the 3rd trimester, complication like hypertension, diabetes, placenta previa etc tend to happen. Personal experience on this.

yeah so best time to buy is right away once eligible to buy at week 13 when there is less complications n covers since early pregnancy.

ya, that's why i also feel scare on this... I need to act faster to avoid unsuccessful to buy..


agreed, as early as low risk..