Flex Maternity Care

Protects you and your child during pre-natal and infancy period.

Having a baby is a priceless experience. With that in mind, you may want to consider a comprehensive plan for your baby. From the start of pregnancy, through childbirth, and all the way till your baby turns 2, we got you covered.

Pregnancy Care Benefits

Provide coverage due to pregnancy or child birth complications:

Pays 200% of the rider sum assured upon death of the mother due to complications.
A lump sum benefit will be payable due to pregnancy complications based on the schedule of benefits.
Pays a daily benefit upon admission of the mother to ICU or HDU due to complications.

Child Care Benefits

Provide coverage immediately after your baby is born:

A lump sum benefit will be payable due to congenital illnesses based on the schedule of benefits.
Pays a daily benefit upon the child's admission to ICU or HDU due to Premature Birth, Hand, Food & Mouth Disease, Dengue Fever, Pneumonia, Bronchitis or Jaundice.
Pays a daily benefit during the incubation period of the newborn child.

Newborn Allowance

As a mother, you will receive an allowance to celebrate your baby's arrival.

Option to Purchase New Policy for Child

Give your baby the earliest possible head start. After giving birth, you can exercise this option to purchase an individual regular investment-linked plan for your child.

Schedule of Benefits

BENEFITS	TERM OF COVER	BENEFIT PAYABLE (%) OF RIDER SUM ASSURED
PREGNANCY CARE BENEFITS
Death Due To Pregnancy or Child Birth Complications	Pregnancy period until 30 days after delivery	200% (minus benefit payable under pregnancy complications, if any)
Pregnancy Complications Benefits: Disseminated Intravascular Coagulation Still Birth Placenta Increta Abruptio Placentae Amniotic Fluid Embolism Postpartum Haemorrhage Requiring Hysterectomy Eclampsia Fatty Liver Of Pregnancy	Pregnancy period	30% (pregnancy complications are payable once only)
ICU/HDU Daily Care Benefits For Mother Due to Pregnancy or Child Birth Complications	Pregnancy period until 30 days after delivery	1% or RM 500 per day, whichever is lower up to max. 30 days
CHILD CARE BENEFITS¹
Neonatal Death	Up to 28 days after birth	30% (this benefit is payable once only)
Congenital Illness Benefits: Down's Syndrome Spina Bifida Tetralogy Of Fallot Transposition Of Great Vessels Atrial Septal Defect Ventricular Septal Defect Truncus Arteriosus Infantile Hydrocephalus Cleft Lip And/Or Cleft Palate Cerebral Palsy Congenital Dislocation Of Hip Congenital Deafness Congenital Cataract Congenital Diaphragmatic Hernia Anal Atresia Absence Of Two Limbs Club Foot Retinopathy Of Prematurity	Rider coverage term of 2 years	30% (this benefit is payable once only)
ICU/HDU Daily Care Benefits For Child	Rider coverage term of 2 years	1% or RM 500 per day, whichever is lower up to max. 30 days
Incubation Of Newborn Child	Up to 60 days after birth	0.5%or RM 250 per day, whichever is lower
Newborn Allowance/td>	Baby survives at least 30 days	1% (this benefit is payable once only)
OTHER BENEFITS
Option To Purchase New Policy For Child²	Up to 90 days after birth	Option to purchase individual basic regular premium investment-linked policy for child with simplified underwriting

¹ If the mother is carrying twins in the same pregnancy, this benefit will be shared equally by each child.
² Terms and conditions apply.

Note: The above benefits will be payable subject to the fulfillment of the detailed definitions of the illnesses. Please refer to the policy contract for detailed definitions of the illnesses covered.

If you are a female between age 16 and 45 years old and are between 13 and 35 weeks into your pregnancy, you can attach the Flex Maternity Care rider to your regular premium investment-linked insurance plan.

The rider coverage term is 2 years.