Maternity Insurance

PRUMum: Comprehensive Protection for Your Motherhood Journey

Embarking on the journey of motherhood is an exciting and life-changing experience. However, it also comes with its own set of challenges and risks. Did you know that approximately 15% of pregnancies experience complications? Or that about 10-15% of new mothers experience postpartum depression? These statistics highlight the importance of having comprehensive protection during this crucial period. If you're an expecting mother looking for peace of mind, PRUMum might be the solution you've been searching for.

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What is PRUMum?

PRUMum is a unique 4-year maternity term plan designed specifically for expecting mothers . It offers holistic protection for both you and your baby from as early as week 13 of pregnancy. What sets PRUMum apart is its comprehensive coverage, including protection for assisted pregnancies such as those conceived through In Vitro Fertilization (IVF). This plan allows you to embrace motherhood with confidence, knowing that you're protected against a wide range of potential complications.

Key Features That Make PRUMum Stand Out

Early Coverage

Protection starts from as early as week 13 of pregnancy

Comprehensive Protection

Covers both mother and baby, including coverage for assisted pregnancies (IVF, ICSI, IUI, ICI)

Mental Wellness Care

Covers costs of psychological consultations and postpartum depression diagnosis

Gestational Diabetes Coverage

Protects against Gestational Diabetes Mellitus (GDM) and its complications

Hospital Care Benefits

Provides daily payouts for hospitalization for both mother and baby

Congenital Conditions Coverage

Covers 25 congenital illnesses for the baby

What Does PRUMum Cover?

For Mum

  • Pregnancy Complications: Covers up to 13 complications including Eclampsia, Placental Abruption, Postpartum Hemorrhage

  • Mental Wellness Care: Covers psychological consultations (up to S$200) and postpartum depression diagnosis (up to 5% of sum assured)

  • Gestational Diabetes Mellitus (GDM): Covers GDM and resulting conditions, including Type II Diabetes developed 6-8 weeks after birth

  • Hospital Care Benefit: 2% of sum assured per day, for up to 50 days of hospitalization

For Baby

  • Congenital Conditions: Covers 25 congenital illnesses such as Down's Syndrome until the child is 3 years old

  • Hospital Care Benefit: 1% of sum assured per day, for up to 50 days of hospitalization

How PRUMum Works

  • Pregnancy Stage (from 13 weeks): Coverage begins for pregnancy complications, GDM, hospital care, and mental wellness care

  • Birth and Early Childhood: Baby receives coverage for congenital illnesses and hospital care; Mum continues to be covered for mental wellness care and Type II Diabetes for up to 60 days after birth

  • Child's 3rd Birthday: Baby's coverage for congenital illnesses and hospital care expires; Mum continues to be protected against death

  • End of 4th Year: PRUMum policy expires

Unique Aspects of PRUMum

Coverage for Assisted Pregnancies

PRUMum covers pregnancies conceived through assisted methods like IVF , starting from week 28 to 35 of pregnancy with normal underwriting.

Hospital Care Accelerator Benefit

Provides an additional payout for extended hospital stays or ICU admission, up to 100% of the sum assured.

Multiple Birth Coverage

For multiple births, PRUMum provides 100% sum assured per life for congenital illnesses and up to 50% sum assured per life for hospital care benefits.

Extended Mental Wellness Care

Covers postpartum depression and psychological consultations even after birth, recognizing the importance of mental health in new mothers.

Why Compare PRUMom with other Maternity Options through Whatins?

Traditional Approach

  • Limited pregnancy complication coverage
  • Single view of maternity benefits
  • May miss important protection features

Whatins Advantage

  • Compare maternity coverage periods across insurers
  • See how pregnancy complications are covered
  • Understand both mother and child protection
  • Compare different waiting periods

Real-Life Scenarios

Pregnancy Complication

If you develop preeclampsia, PRUMum provides a payout for medical expenses, daily hospital care benefits if hospitalized, and coverage for resulting complications.

Postpartum Depression

If diagnosed with postpartum depression, you'd receive up to 5% of your sum assured and coverage for psychological consultations (up to S$200).

Baby with Congenital Condition

If your baby is born with a covered condition like Down's Syndrome, you'd receive a payout for medical and care expenses, with coverage for related hospitalizations up to 3 years of age.

Pros and Cons

Pros

  • Comprehensive coverage for both mother and baby

  • Includes mental wellness care, which is often overlooked

  • Covers assisted pregnancies

  • Provides protection for an extended period (4 years)

  • Flexible options to choose from

Cons

  • Single premium payment might be a significant upfront cost

  • Coverage ends after 4 years

  • Some coverage aspects end earlier (e.g., baby's congenital illness coverage ends at age 3)

Frequently Asked Questions

When can I purchase PRUMum?

You can purchase PRUMum from as early as week 13 of your pregnancy.

Is PRUMum available for all types of pregnancies?

Yes, PRUMum covers both natural and assisted pregnancies, including those conceived through IVF.

What happens if I have twins or multiples?

PRUMum provides coverage for multiple births, with specific benefits for each child.

Does the plan cover only the first pregnancy?

The brochure doesn't specify, so it's best to check with a Prudential Financial Consultant about coverage for subsequent pregnancies.

Can I extend the coverage beyond 4 years?

PRUMum is a 4-year term plan. For coverage beyond this period, you might need to explore other insurance options.

Conclusion

PRUMum offers a comprehensive and unique solution for expecting mothers , providing peace of mind during one of life's most important journeys. With its wide-ranging coverage for both mother and baby, including often-overlooked aspects like mental wellness care and protection for assisted pregnancies, it stands out in the maternity insurance market.

However, as with any insurance decision, it's important to carefully consider your personal needs, financial situation, and long-term plans before making a choice. While PRUMum offers excellent coverage for the first four years, you may need to consider additional or alternative coverage for the long term.

Remember, the best insurance is the one that gives you peace of mind and fits your specific circumstances. If you're considering PRUMum or any other maternity insurance plan, it's always wise to consult with a financial advisor who can provide personalized recommendations based on your unique situation.

Ready to explore your options further? Don't rely on just one perspective. Get expert insights tailored to your unique needs. Sign up now to receive 5 expert opinions on maternity insurance . These professionals will review your specific situation and provide personalized recommendations, helping you make the most informed decision possible for you and your baby.

By consulting with multiple experts, you'll gain a comprehensive understanding of your options and ensure you're choosing the best coverage for your motherhood journey. Don't leave your protection to chance – get the expert advice you deserve today.

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