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What Insurance to buy for New Born?

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Old 14-04-2018, 09:15 PM   #1
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What Insurance to buy for New Born?

As above.

Have already bought PruMum and PruFirst for my newborn daughter.

Looking to the following:
1) Hospital Plan (Probably looking at PruShield or AXA Shield)

2) Some form of Accident Plan (since kids are prone to accident when young)

3) Any child-specific insurance (such as AIA Star Protector)


Any suggestions for the above/ or anything else I should be looking at?TIA
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Old 14-04-2018, 11:54 PM   #2
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Since your child has no dependent, she don't really need much.

1) hospital plan is probably the most important and urgent one. Especially if she's born at private hospital and you intend to bring her back to the pedi.

2) accident plan can start only when she can run around. She can't get herself into any accident when she can't move around causing trouble by herself

3) maybe some whole life plan for her future dependent if you want?

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Old 15-04-2018, 11:28 AM   #3
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Since your child has no dependent, she don't really need much.

1) hospital plan is probably the most important and urgent one. Especially if she's born at private hospital and you intend to bring her back to the pedi.

2) accident plan can start only when she can run around. She can't get herself into any accident when she can't move around causing trouble by herself

3) maybe some whole life plan for her future dependent if you want?

Sent from Xiaomi MI MAX 2 using GAGT

yup, get the essential hospital plan in first, then maybe can consider an accident plan, whole life, and education plan.
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Old 15-04-2018, 05:27 PM   #4
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Noted bros.

Any recommendations for Hospital plan? What I seem to know best are offered by Prudential or AXA based on their long pre & post hospitalisation benefits.

Or anything else I should be looking out for?
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Old 15-04-2018, 11:04 PM   #5
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Integrated shield plan is a must !

Noted bros.

Any recommendations for Hospital plan? What I seem to know best are offered by Prudential or AXA based on their long pre & post hospitalisation benefits.

Or anything else I should be looking out for?
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Old 16-04-2018, 07:15 PM   #6
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Please do not get prushielD.

The future premiums of the rider for some customers of Prudential's Integrated Shield plan (IP) will be based on how much they make use of private hospitals.

The system is similar to how motorists enjoy a no-claim discount on motor insurance with zero claims and a loading when they incur claims.

Source: http://www.straitstimes.com/singapor...to-claims-made



Logical qns: why subject yourself to the risk of paying extra when the others are not?

Furthermore, if choy really tio loading.. Want to switch insurer also need check on ur existing condition.

Possibilty of facing to stuck with a Hosp plan that make U pay extra and can't switch at all.
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Old 16-04-2018, 08:35 PM   #7
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Noted bros.

Any recommendations for Hospital plan? What I seem to know best are offered by Prudential or AXA based on their long pre & post hospitalisation benefits.

Or anything else I should be looking out for?
Female can consider GE, they cover more for women for their integrated shield plan.
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Old 17-04-2018, 04:57 PM   #8
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Bought AIA shield with riders for both my boys since born.
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Old 17-04-2018, 11:26 PM   #9
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Bought AIA shield with riders for both my boys since born.
Can share how much is the premium per year?
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Old 18-04-2018, 11:21 AM   #10
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Between prudential and great eastern, any good recommendation of policy for my new born? Both our insurance agents are wanting to meet us to discuss abt policy for our newborn.
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Old 18-04-2018, 10:44 PM   #11
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Thanks all who have contributed. Just to update in the end I signed up on the below plans (besides my original PruMum/PruFirst pre-natal/post-investment plan).

1) AIA Hospital Plan with Rider (more expensive than AXA, but cover congenital illnesses from policy day 1 onwards)

2) Sompo Junior Accident Plan (seems to be the best value for money for accident/ illness etc).
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