Coverage for mother
| Category of insured events | Cover limit |
|---|---|
| Pregnancy complications benefit[1] | 100% of sum assured |
| Hospital care benefit[2] | 1% of sum assured for each day of hospital stay, up to 30% of sum assured |
| Death benefit[3] | 100% of sum assured |
Insured events for mother
| 10 types of pregnancy complications[1] |
|---|
| • Abruptio placentae |
| • Acute fatty liver of pregnancy |
| • Amniotic fluid embolism |
| • Choriocarcinoma and malignant hydatidiform mole |
| • Disseminated intravascular coagulation |
| • Ectopic pregnancy |
| • Placenta increta or percreta |
| • Postpartum haemorrhage requiring hysterectomy |
| • Pre-eclampsia or eclampsia |
| • Still birth |
| Hospital care benefit[2] |
|---|
| • Inpatient psychiatric treatment |
| • Post-natal anaemia |
| • Puerperal pyrexia |
| • Pulmonary embolism |
| • Repair of 4th degree perineal tear |
| • Septic pelvic thrombophlebitis |
| • Surgical site infection following caesarian section |
| • Uterine infection or transfusion due to retained placenta following childbirth |
Coverage for child
| Category of insured events | Cover limit |
|---|---|
| Congenital illnesses benefit[4] | 100% of sum assured |
| Hospital care benefit[5] | 1% of sum assured for each day of hospital stay, up to 30% of sum assured |
| Outpatient phototherapy benefit[6] | 1% of sum assured for each day the phototherapy machine is rented, up to 10% of sum assured |
| Death benefit[7] | 100% of sum assured |
Insured events for child
| 23 types of congenital illnesses[4] covered |
|---|
| • Absence of two limbs |
| • Anal atresia |
| • Atrial septal defect |
| • Biliary atresia |
| • Cerebral palsy |
| • Cleft lip and cleft palate |
| • Club foot |
| • Congenital blindness |
| • Congenital cataract |
| • Congenital deafness |
| • Congenital diaphragmatic hernia |
| • Congenital hypertrophic pyloric stenosis |
| • Development dysplasia of the hip |
| • Down’s syndrome |
| • Infantile hydrocephalus |
| • Patent ductus arteriosus |
| • Retinopathy of prematurity |
| • Spina bifida |
| • Tetralogy of fallot |
| • Trancheo-esophageal fistula or esophageal atresia |
| • Transposition of the great vessels |
| • Truncus arteriosus |
| • Ventricular septal defect |
| Hospital care benefit[5] |
|---|
| • Bronchitis (including other lower respiratory tract infection) |
| • Dengue haemorrhagic fever |
| • Hand, foot and mouth disease |
| • Incubation immediately after birth for more than 3 consecutive days |
| • Phototherapy or blood transfusion for severe neonatal jaundice |
| • Pneumonia |
| • Premature birth |
- The total amount paid under this pregnancy complications benefit will not exceed 100% of the sum assured. This benefit will end when we make this payment. Please refer to the policy contract for further details and definitions of the insured events.
- If the insured mother has to stay in a hospital due to any of the insured events under the hospital care benefit in the mother’s benefit table and the hospitalisation is within 42 days after the birth of insured child, we will pay 1% of the sum assured for each day she is in the hospital, up to a maximum of 30 days and the stay must be during the contract term. To avoid doubt, if the stay in hospital is due to multiple medical conditions, we will only pay 1% of the sum assured for each day the insured mother stays in the hospital. The total amount paid under this hospital care benefit will not exceed 30% of the sum assured. This benefit will end upon payment of 30% of the sum assured. Please refer to the policy contract for further details and definitions of the insured events.
- We will pay 100% of the sum assured if the insured mother dies during the term of the policy. All benefits for the insured mother will end when we make this payment. Please refer to the policy contract for further details and definitions of the insured events.
- We will pay 100% of the sum assured if the insured child is live-born and is diagnosed with any of the insured events under the congenital illnesses benefit in the child’s benefit table. The total amount paid under this congenital illness benefit will not exceed 100% of the sum assured. This benefit will end when we make this payment. Please refer to the policy contract for further details and definitions of the insured events.
- If the insured child stays in the intensive care unit or high dependency unit of a hospital due to any of the insured events under hospital care benefit for the child, we will pay 1% of the sum assured for each day the insured child is in the hospital, up to a maximum of 30 days and the stay must be during the contract term. To avoid doubt, if the stay in hospital is due to multiple medical conditions, we will only pay 1% of the sum assured for each day the insured child stays in the intensive care unit or high dependency unit of a hospital. For phototherapy or blood transfusion for severe neonatal jaundice and premature birth, we will only cover up to 30 days from birth. The total amount paid under this hospital care benefit will not exceed 30% of the sum assured. This benefit will end upon payment of 30% of the sum assured. Please refer to the policy contract for further details and definitions of the insured events.
- If the insured child needs phototherapy treatment due to severe neonatal jaundice, we will pay 1% of the sum assured for each day of rental of the phototherapy machine, up to a maximum of 10 days. This benefit is valid only up to 30 days from birth. The total amount paid under this outpatient phototherapy benefit will not exceed 10% of the sum assured. This benefit will end upon payment of 10% of the sum assured. Please refer to the policy contract for further details and definitions of the insured events.
- We will pay 100% of the sum assured if the insured child is live-born and dies within 30 days after birth. All benefits for the insured child will end when we make this payment. Please refer to the policy contract for further details and definitions of the insured events.
Information is correct as at 29 August 2023.
