Prenatal insurance is important because it helps to cover the cost of medical care for expectant mothers during pregnancy and childbirth. Pregnancy and childbirth can be expensive, with costs ranging from routine prenatal care and delivery to complications that may arise. Prenatal insurance can help alleviate some of the financial burden associated with pregnancy and childbirth, allowing expectant mothers to focus on their health and the health of their unborn child.
Prenatal insurance is not only beneficial financially, but it also allows expectant mothers to receive necessary medical care during pregnancy. This insurance is a valuable resource for expectant mothers to receive necessary medical care during pregnancy and childbirth, while also reducing the financial strain of these life-changing events. Pregnant women in Malaysia can enroll in a prenatal insurance policy as early as 14 weeks into their pregnancy. Here are the top 6 best baby insurance policies currently available in Malaysia:
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PRUMy Child Plus by Prudential
Malaysian families found peace of mind in 2010 with the introduction of PRUMy Child Plus by Prudential Assurance Malaysia Berhad (PAMB), the first pregnancy and infancy insurance plan. Newly updated in 2023, PRUMy Child Plus offers comprehensive prenatal coverage for mothers and babies from 13 weeks of gestation. This award-winning, market-leading plan ensures protection from childhood through adulthood, up to the age of 100. Here’s why it’s the top choice for Malaysian parents-to-be:
- Pregnancy Support: Offers up to RM8,000 for pregnancy complications and early C-section deliveries.
- Congenital Conditions Coverage: Provides up to RM50,000 yearly payout until age seven for treatment of 27 listed and structural congenital conditions.
- Developmental Therapy Support: Covers therapy for autism and ADHD (up to RM8,000 yearly until age seven).
- Flexible Plans: Offers three plan variants for different needs and budgets.
- Additional Options: Parents can add riders for education savings and protection in case of emergencies.
Coverage period: Up to 7 years old.
Entry age: From 13 weeks of pregnancy.
Website: https://www.prudential.com.my/en/our-company-newsroom/announcements/prumy-child-plus/baby-infant/
A-Plus BabyCare Rider under A-Life Joy Xtra by AIA
A-Plus BabyCare Xtra is an optional add-on policy that can be attached to the A-Life Joy Xtra plan that you can purchase to enhance coverage during your pregnancy as well as your child’s early years. This rider provides protection for you and your child against unexpected hospitalisations from birth, 19 congenital conditions, child development disorders and pregnancy-related complications or death.
A-Plus BabyCare Xtra is the first plan in Malaysia that provides coverage for Autism Spectrum Disorder, Attention Deficit Hyperactivity Disorder, Dyslexia and Gross Motor or Speech Developmental Delay.
A-Plus BabyCare Xtra provides you with coverage for seven pregnancy complications and the untimely loss of your baby while still in the womb. This rider also provides coverage upon an untimely death due to childbirth or pregnancy complications.
Coverage includes:
- Child care benefits
- Child development disorder benefits
- Pregnancy care benefits
Coverage Period: Up to 5 years old
Entry Age: From 13th week of gestation
Website: https://www.aia.com.my/en/our-products/medical-protection/a-plus-babycare-xtra.html
Smart Baby Shield Rider under SmartProtect Junior by Great Eastern
Every mother and baby require extra love, care, and attention during pregnancy and infancy. The Smart Baby Shield rider helps protect you and your baby from the start by providing thorough protection while you are pregnant and after you give birth. It offers unforeseen protection, hospitalisation benefits, and many features to assist you both during this critical time of your lives. The Smart Baby Shield covers a variety of medical expenses related to pregnancy and childbirth, including complications, hospital admissions, diseases and congenital conditions, urgent newborn care, and the death of the mother and/or child. In addition, if the expecting mother is diagnosed with cancer, the Smart Baby Shield provides financial assistance to help with the costs of treatment and recovery.
Coverage includes:
- Pregnancy care benefits
- Death of mother benefits
- Death of foetus or child benefits
- Incubation benefits
- Admission into Intensive Care Unit/ High Dependency Unit
- Diseases and infections benefits
- Maternity cancer benefits
Coverage Period: Up to 5 years old
Entry Age: From the 13th week of gestation
PreciousCover and BabyCover Riders under Allianz PowerLink
Allianz is dedicated to the health and well-being of both mother and child before, during, and after pregnancy through our PreciousCover and BabyCover plans. PreciousCover provides expectant mothers and their newborns with protection and coverage during and after pregnancy to help with recovery. BabyCover covers child illnesses and child development disorders. With Allianz baby insurance, you can rest assured knowing that both you and your child are taken care of from the very beginning.
Coverage includes:
- Pregnancy care benefits
- Death of mother benefits
- Death of foetus or child benefits
- Incubation benefits
- Admission into Intensive Care Unit/ High Dependency Unit
- Diseases and infections benefits
- Maternity cancer benefits
- Child illness benefits (BabyCover)
- Child development disorder benefits (BabyCover)
Coverage Period: Up to 18 years old (for BabyCover)
Entry Age:
PreciousCover: From the 13th to 36th week of gestation
BabyCover: From the 13th to 36th week of gestation (preborn), from 15 days to 15 years (baby/child)
Flex Maternity Care Rider under Junior Critical Illness by Zurich
Flex Maternity Care is a comprehensive plan for your baby. From the start of pregnancy, through childbirth, and all the way till your baby turns two, they’ve got you covered. Flex Maternity Care covers pregnancy or child birth complications, child care benefits upon the birth of your baby and even an allowance to celebrate your baby’s arrival.
Coverage includes:
- Child care benefits
- Child development disorder benefits
- Pregnancy care benefits
- Newborn allowance
- Option to purchase new policy for child
Coverage Period: Up to 2 years old
Entry Age: 13 – 35 weeks of gestation
Website: https://www.zurich.com.my/en/insurance-products/protection/for-my-health/flex-maternity-care
EverCare Riders under HLAeverGrow Plus
HLA EverGrow Plus is a regular premium investment-linked plan that is especially created to help you plan for your child’s future in a smart way. With its EverCare riders, it offers absolute protection from the pre-birth stage, while at the same time establishing an education fund that will take care of key educational milestones.
EverCare Riders enable you to have a jump start on your savings plan, as early as 13 weeks into your pregnancy, while giving you and your child full protection from the very beginning. With it, you can secure the best for your kid and give them a head start in their education!
Coverage includes:
- Pregnancy care benefits
- Congenital complications benefits
- Death of mother benefits
- Death of foetus or child benefits
- Incubation benefits
- Admission into Intensive Care Unit/ High Dependency Unit
Coverage Period: Up to 2 years (EverCare riders)
Entry Age: 13 – 35 weeks of gestation
