{"id":12875,"date":"2014-12-17T15:19:23","date_gmt":"2014-12-17T07:19:23","guid":{"rendered":"https:\/\/www.imoney.my\/articles\/?p=12875"},"modified":"2018-06-05T11:00:12","modified_gmt":"2018-06-05T03:00:12","slug":"protect-your-little-ones-with-child-medical-insurance","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/protect-your-little-ones-with-child-medical-insurance","title":{"rendered":"Protect Your Little Ones With Child Medical Insurance"},"content":{"rendered":"

\"ParentsandCarers000020059371.editted\"<\/a><\/p>\n

As responsible parents, you do everything you can to give the best to your children at all times. While you go the extra mile to give them the best basic necessities, education and personal development opportunities, great healthcare and protection should be on the priority list too. To achieve that, you need a comprehensive protection plan that covers your children from the time they started crawling up to their adulthood. Child medical insurance ensures that your precious ones\u2019 healthcare needs are always taken care of at all times. This has become even more important with the rising cost of medical treatment<\/a>.<\/p>\n

Here are three child medical insurance that you can invest in:<\/p>\n

<\/span>1. A-Life SuperJunior <\/i>by AIA<\/b><\/span><\/h2>\n

A-Life SuperJunio<\/i>r<\/b><\/a> <\/b>provides you with the privilege of protecting your child medically from baby to 75 years of age — that\u2019s almost their entire life.<\/p>\n

\"one\"<\/a><\/p>\n

The coverage benefits of this plan includes:<\/p>\n

\"two\"<\/a><\/p>\n

Other benefits include paying the premium payment for only 20 years and upon maturity 125% of the initial sum assured is payable. The premiums for this plan are guaranteed and qualifies you for a personal tax relief.<\/p>\n

A-Life SuperJunio<\/i>r<\/b><\/a> <\/b>would certainly be a good choice if you want to ensure that your child is medically covered for life, even after you are no longer around. This plan is best for families who have known heredity critical or juvenile critical illness (that is covered in the plan). By buying the insurance plan early on, before the symptoms are known, you can protect your finances, if your child really does fall victim to the illnesses.<\/p>\n

This will ensure that your child is still insurable even if he or she is diagnosed with any of the illnesses covered.<\/p>\n

<\/span>2. PRUmy Child by Prudential<\/b><\/span><\/h2>\n

PRUmy Child<\/b><\/a> <\/b>is an investment-linked insurance that provides you with the privilege of protecting your child even before they are born.<\/p>\n

\"three\"<\/a><\/p>\n

Benefits under this plan include:<\/p>\n

\"four\"<\/a>Upon maturity of the plan, value of all units in policy is payable when your child reaches 100 years old. You will also receive a Loyalty Bonus\u00a0of 5% of annualised premium upon completion of the 10th<\/sup> policy year and every 3 years thereafter.\u00a0Premium is payable throughout the whole term until the expiry of the policy.<\/p>\n

PRUmy Child<\/b><\/a> <\/b>is especially suitable for couples who are starting their family late and are having their first child above 30. Some couples could have been trying for a child for years, experienced miscarriages and when the mother finally conceived, the parents can cover most bases with a comprehensive insurance coverage that starts from pregnancy.<\/p>\n

Pregnancy complications are more likely to happen when it is a late delivery or if the mother has experienced such complications with the previous child. The couple would then want to ensure that their child is medically well-covered if things do not go as smooth as expected.<\/p>\n

<\/span>3. Flex Junior CI and Flex Maternity Care by Zurich Insurance<\/b><\/span><\/h2>\n

Flex Junior CI<\/b><\/a> <\/b>caters to your junior\u2019s healthcare needs till they are an adult and able to survive on their own.<\/p>\n

\"five\"<\/a><\/p>\n

Under this plan, you are entitled to two claims on different critical illnesses \u2013 up to 100% of the sum assured.<\/p>\n

Flex Maternity Care<\/b><\/a> <\/b>protects your little one primarily during pregnancy, childbirth and other childcare benefits.<\/p>\n

\"six\"<\/a><\/p>\n

Under this plan, the mother can benefit as follows:<\/p>\n