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Health Insurance

SMART Baby Shield Plus | Pregnancy, Maternity & Prenatal Insurance

Reach for Great protection for your little bundle of joy

The journey to motherhood is a momentous one: full of joy, love, and anticipation as you prepare to welcome new life into the world. During the delicate months of pregnancy and infancy, it can make all the difference to have a comprehensive maternity coverage, so that you can instead focus on the excitement of being a mother-to-be.

Designed to support you through every step of the pregnancy journey, Smart Baby Shield Plus offers holistic care for both the mummy and the baby. When attached to SmartProtect Junior, this plan covers intensive care costs, pregnancy complications, maternity cancer, and even basic life protection. The support we offer also extends beyond childbirth: covering a variety of congenital conditions, as well as extended psychological care for mothers and developmental disorders in children.

With Smart Baby Shield Plus, we’re here to make pregnancy a little less daunting and a lot more heartwarming — empowering mothers just like you through this incredible journey of starting a new family.

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Key benefits

Three plans to choose from

As you adjust your financial priorities to welcome a new addition to your family, we’ll support your journey to motherhood with greater flexibility by providing you the freedom to choose between three different plans to cater to your needs -Essential, Superior & Grand¹.

Greater assurance during pregnancy

Pregnancy is a wonderful phase in life, and we want to make sure you experience that entire journey knowing you’re well-cared for in the event of covered pregnancy complications. As an added layer of protection, you’ll also receive an extra 20% of the benefit amount if the complications are accompanied by Gestational Diabetes Mellitus (GDM). On top of this, you may also be financially covered in the event of an early delivery, with an Emergency Caesarean Section benefit² of up to RM8,000¹.

Hospitalisation support to ease recovery

Rest assured with Smart Baby Shield Plus, which also covers hospitalisation costs if you are admitted into the Intensive Care Unit (ICU) or High Dependency Unit (HDU) due to childbirth/pregnancy complications, we’ll cover the charges up to your plan’s specified limit¹.

Critical care for your newborn

Smart Baby Shield Plus will take care of the hospitalisation costs if your child is admitted to the Neonatal Intensive Care Unit (NICU), ICU, or HDU within the first 30 days from birth, up to your plan’s specified limit. Additionally, should your child require incubation or phototherapy treatment for neonatal jaundice within their first 60 days from birth, this plan will also cover all those costs up to that same limit¹.

Extended protection for congenital conditions

As your child grows through their infant years into early childhood, this plan will continue to protect them for congenital conditions that may arise. We’ll help give them - and you! - added peace of mind with reimbursement cost of up to your plan’s specified limit, if your child is hospitalised for any of the covered congenital conditions^1_.

Psychological care for you and your baby

Smart Baby Shield Plus provides psychological consultation support² for mothers — with a financial reimbursement of RM8,000 for treatment of diagnosed Major Depressive Disorder or Generalised Anxiety Disorder. We’ll also subsidise treatment costs up to RM8,000 per year for prevalent child development disorders^1,2.

Fundamental coverage for maternity cancer

As an expecting mother, you know better that it never hurts to be prepared for all eventualities. For extra protection, Smart Baby Shield Plus also provides a lump sum payout to support your recovery in the event of a cancer diagnosis¹.

Easy enrolment for your subsequent pregnancy

Planning to have the next pregnancy? We share your excitement and understand that you might also want to protect your precious little one. If you are an existing customer of Smart Baby Shield Plus, you’ll be able to easily purchase a new Smart Baby Shield Plus plan for your future child without the need for full underwriting¹.

How Smart Baby Shield Plus works

Footnotes and disclaimers

Please do take note of the below to ensure you fully understand what this product does and does not cover. If in doubt, contact your Great Eastern Life Planning Advisor or have us call you back.

Footnotes

Disclaimer

Smart Baby Shield Plus is two unit deduction riders attachable to SmartProtect Junior. These basic plan is an insurance product that is tied to the performance of the underlying assets, and is not a pure investment product such as unit trusts. The insurance charge to be imposed will be deducted from the total investment value of your policy on a yearly basis. You may stop paying premiums under the policy and still enjoy protection as long as there is sufficient total investment value to pay for the insurance charge. However, there is a possibility of the policy lapsing when the required charges, including rider charges, exceed the total investment value of the fund units available. Purchasing too many unit deduction riders may deplete the fund units.

You should satisfy yourself that these riders will best serve your needs and that the premium payable under the policy is an amount you can afford. A free-look period of 15 days is given for you to review the suitability of the plan. If these riders are cancelled during this period, the policy owner is entitled to the reinstatement of the units deducted for the payment of insurance charges after net of expenses incurred for the medical examination, if any. If you switch your policy/rider from one company to another, or if you exchange your current policy/rider with another policy/rider within the same company, you may be required to submit an application where acceptance of your proposal will be subject to the terms and conditions to be imposed at the time of policy/rider switching or replacement.

The above is for general information only. It is not a contract of insurance. You are advised to refer to the Sales Illustration, Product Disclosure Sheet, and sample policy documents for detailed important features and benefits of the plan before purchasing the plan. The exclusions and limitations highlighted above are not exhaustive. For further information, reference shall be made to the terms and conditions specified in the policy issued by Great Eastern Life.

The terms "Great Eastern Life" and "the Company" shall refer to Great Eastern Life Assurance (Malaysia) Berhad.

PROTECTION BY PIDM ON BENEFITS PAYABLE FROM THE UNIT PORTION OF THIS POLICY/PRODUCT IS SUBJECT TO LIMITATIONS. Please refer to PIDM’s TIPS Brochure or contact Great Eastern Life Assurance (Malaysia) Berhad or PIDM (visit www.pidm.gov.my).

Information correct as on 1 June 2024.