Smart Baby Shield Plus Insurance 2

Plan Overview

• Smart Baby Shield Plus (SBSP) comprises two riders: H72A-H74A for mothers and H72B-H74B for children.
• Launched on 16 June 2023, available through agency and financial advisers.

Coverage and Conditions

• The mother is covered for 60 days post-delivery or 1 year post-birth for different rider codes.
• Child coverage extends until the 7th birthday.
• One rider's termination results in the other being canceled. Child's coverage continues if the mother dies during childbirth but the child survives.

Benefits for the Mother

• Death due to childbirth: Ranges from RM7,500 to RM30,000 depending on the plan.
• Pregnancy complications: Additional benefits for conditions like abruptio placentae or eclampsia, with amounts varying by plan and complications.
• Hospitalization: Coverage for ICU/HDU admissions up to RM5,000 to RM10,000.
• Maternity cancer benefits: RM2,500 to RM8,000 available upon diagnosis after a 30-day waiting period.
• Emergency caesarean section: Covered only in the Grand plan for early delivery.
• Psychological consultation: Up to RM8,000 for certain mental health disorders within a year after delivery.

Benefits for the Child

• Death of child: Benefit amounts range from RM2,500 to RM10,000 plus any applicable total insurable value (TIV).
• Hospitalization and treatment: Includes NICU and phototherapy for jaundice, with amounts based on plan type.
• Congenital conditions: Reimbursements available for multiple congenital conditions, up to RM15,000 to RM60,000 per year depending on the condition and plan.
• Child development disorders: Up to RM8,000 per year for treatment of disorders like autism.

Easy Enrollment for Subsequent Pregnancies

• Existing policyholders can enroll for additional coverage without medical underwriting if criteria such as age, health claims history, and gestation period are met.

Underwriting Parameters

• Age at entry: Mothers must be between 19 and 45 years. Children must be between 13 to 36 weeks gestation.
• Coverage terms vary for mother and child based on rider plans.

Exclusions

• Coverage excludes pre-existing conditions, self-inflicted injuries, unlawful acts, alcohol/drug influence, and AIDS-related illnesses.
• Clause against termination of pregnancy not for medical reasons.

Other Features

• No cash surrender value or loans available under this plan.
• Not eligible for backdating policy applications.

Insurance Charges

• Charges are outlined yearly, with a total of RM1,449 to RM4,591 depending on the plan and year of coverage.

Explore the coverage details and benefits of the Smart Baby Shield Plus insurance plan for mothers and children. Learn about the specific riders, coverage timelines, and various financial benefits during pregnancy and after childbirth.