Smart Baby – Pregnancy Plan – Iplanning Wealth Management

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SMART BABY – PREGNANCY PLAN

Life Insurance

SMART BABY – PREGNANCY PLAN

Protect yourself and your bundle of joy from the very start

Welcoming a child into the world is surely the most precious of life’s gifts. During the delicate months of pregnancy as well as infancy, every mother and her baby needs extra love, care and attention.
When you add Smart Baby Shield to your SmartProtect Junior, you and your baby can enjoy comprehensive protection while you are still expecting, and even after you deliver your little bundle of joy. Smart Baby Shield provides protection against the unexpected, hospitalisation benefits and additional features to help you both through this crucial period of life. With Smart Baby Shield, you can enjoy complete peace of mind to make this a time to cherish and remember.

Benefits at a glance

Greater assurance during pregnancy

With Smart Baby Shield, you are assured against complications that may arise during your pregnancy. If you are diagnosed for the first time with any of the following pregnancy complications, you will receive a lump sum benefit of RM5,000:

1 Abruptio Placentae
2 Amniotic Fluid Embolism
3 Eclampsia
4 Placenta Increta/Percreta
5 Postpartum Haemorrhage requiring Hysterectomy
6 Acute Fatty Liver of Pregnancy
7 Disseminated Intravascular Coagulation (DIC)

If any of these complications is accompanied by Gestational Diabetes Mellitus (GDM), you will receive an additional 20% of the cash benefit.

Protection against infectious diseases and congenital conditions

Pregnancy and post-childbirth are vulnerable times for expecting mothers and their newborns. Smart Baby Shield
offers you a valuable safety net by paying a lump sum benefit of RM1,000 should you or your newborn be diagnosed with any one of the following infectious diseases:

Upon diagnosis		Upon hospitalisation
1	Severe Measles	1	Zika Virus
2	Severe Hand Foot Mouth Disease	2	Middle East Respiratory Syndrome Coronavirus (MERS-CoV)
3	Chikungunya Fever	3	Ebola
4	Typhoid Fever	4	Severe Acute Respiratory Syndrome (SARS)
5	Rabies	5	Influenza A – Avian Influenza A(H7N9) & A(H5N1)
		6	Nipah Virus Encephalitis
		7	Japanese Encephalitis
		8	Creutzfeldt-Jakob Disease
		9	Malaria
		10	Dengue Hemorrhagic Fever

You will also be reimbursed up to RM30,000 per year upon the hospitalisation of your child at any time up to the policy
anniversary prior to the child’s attained age of 5 years next birthday, due to any of the following congenital conditions:

1 Anal Atresia
2 Atrial Septal Defect
3 Congenital Cataract
4 Congenital Deafness
5 Congenital Diaphragmatic Hernia
6 Infantile Hydrocephalus
7 Tetralogy of Fallot
8 Transposition of Great Vessel
9 Truncus Arteriosis
10 Ventricular Septal Defect
11 Coarctation of the Aorta
12 Cerebral Palsy
13 Spina Bifida
14 Oesophageal Atresia
15 Trachea-oesophageal Fistula
16 Cleft Lip and/or Cleft Palate
17 Down’s Syndrome
18 Retinopathy of Prematurity
19 Absence of Two Limbs

Critical protection for your newborn

Smart Baby Shield has got you covered should your newborn require urgent care after birth. In the event your child is
required to be placed in an incubator within 60 days of birth, you will receive a cash benefit of RM200 each day, up to a
maximum of 60 days. Furthermore, if your newborn is in need of Phototherapy Treatment for Neonatal Jaundice, a lump sum benefit of RM1,000 will be payable to you.

Life protection against the unexpected

Smart Baby Shield helps ease the financial burden on you and your loved ones should an unexpected loss of life occur.
In the event of death of the mother due to complications from childbirth or pregnancy, prior to delivery and up to 1
month after delivery, you will receive a lump sum benefit of RM30,000.
Should death of the child occur during pregnancy, at delivery or up to 30 days after birth, a lump sum of RM5,000 and the total investment value (if any) will be payable to you.

Protection against accidental death

You never know when misfortune may strike and derail your most precious plans. To help secure the future for your loved ones, an accidental death benefit will be payable upon the death of the mother prior to delivery and up to 1 month after delivery.

*Accidental death of the mother resulted while traveling in a public conveyance (other than a cable car, taxi, hired car or
any form of transport chartered for private travel); or while riding as a passenger in an elevator or in an electric lift or in
consequence of the burning of any theatre or cinema, hotel or other public building in which the mother shall be present at the time of commencement of the fire.

Basic coverage against maternity cancer

As an expectant mother, Smart Baby Shield will provide you with basic financial protection against cancer. Upon diagnosis of cancer in the expecting mother, a lump sum benefit of RM5,000 will be payable to support on you on the path to recovery.

Summary Table of Benefits

*MDD after EDD: Monthly Due Date after Expected Due Date. Insurance charges will be deducted in two instalments where the first charge is at policy inception (Date of Commencement) and the second charge is on the next Monthly Due Date
following the Expected Due Date. The insurance charges above will be charged according to the mother’s attained age next birthday. The insurance charges are
non-guaranteed and may be revised from time to time. Upward revision of insurance charges, if any, will be done on your policy anniversary and the Company will notify you in writing at least thirty days before the revision takes place.