NTUC Insurance

Especially appropriate if you’re planning to start a family, this plan is designed to help prepare you financially. There are 3 options for you to choose from.

Option	Monthly Savings Plan	Maternity Benefits	Hospital & Surgical Benefits for Mother
Classic	√
Advanced	√	√
Premium	√	√	√

1. Classic Option

The classic option helps parents-to-be start saving monthly for a 24-month period in preparation for pregnancy and delivery expenses. From as little as S$100 per month ¹, this plan earns you higher interest than a normal savings account.

In the event of Death and Total Permanent Disability of the insured customer, a lump sum payment of the balance in the account plus interest accured to date (based on the prevailing interest rate) and the remaining months' savings (without interest) will be paid.
¹ Monthly savings start from S$100 , or in multiples of S$10 , up to a maximum of S$5,000 .

2. Advanced Option

Besides preparing for pregnancy and delivery expenses, you can choose the advanced option which comes with maternity benefits to provide the expectant mother with coverage against specified pregnancy risks and congenital anomalies of her baby. This plan pays a maximum of S$10,000 up to a 2 -year period. For maternity benefits to be payable, the monthly savings plan must be inforce.

Maternity Benefits

Pregnancy Conditions	Payment (% of Sum Insured)	Waiting Period
Disseminated Intravascular Coagulation	100%	10 months
Ectopic Pregnancy	100%	10 months
Pre-Eclampsia	50%	10 months
Hydatidiform Mole	100%	10 months
Still Birth	100%	10 months
Neonatal Death	100%	10 months
Miscarriage due to Accident	20%	10 months

If the infant is diagnosed as suffering from one of the following within 2 years of delivery as listed below, the benefit as illustrated will be payable:

Congenital Conditions	Payment (% of Sum Insured)	Waiting Period	Survival Period (After first diagnosis)
Down’s Syndrome (Trisomy 21)	100%	10 months	30 days
Spina Bifida	100%	10 months	30 days
Tetralogy of Fallot	100%	10 months	30 days
Patent Ductus Arteriosus	50%	10 months	30 days
Atrial Septal Defect	100%	10 months	30 days
Premature Birth requiring Neonatal ICU	0.8% per day	10 months	-

3 . Premium Option

In addition to saving for pregnancy and delivery expenses plus maternity benefits, this third option further includes hospital and surgical insurance for the mother.

This is a plan where you pay the bills first and seek reimbursement from the Insurer subsequently. The Insurer will reimburse you for the eligible expenses under this plan. You’ll be covered from the first dollar of the hospital bills and you’ll enjoy worldwide coverage. For hospital and surgical benefits to be payable, the monthly savings plan must be inforce.

Expense Item	Benefits (Amount/Duration Limit)
Limits on eligible expenses per course of treatment
Room & Board	S$50 per day (Up to 90 days)
Intensive Care	S$100 per day (Up to 90 days)
Miscellaneous Hospital Services	S$1,500
Surgery	S$7,500
Hospital Consultation	S$50 per day (Up to 90 days)
Specialist Consultation	S$500
Examination and Laboratory Test	S$250
Ambulance Services	S$150
Post Hospitalisation Treatment	S$3,000 (Up to 60 days)
Emergency Outpatient Treatment	S$2,000
Accidental Dental Treatment (including outpatient treatment)	S$2,000
Kidney Dialysis Treatment (including outpatient treatment)	S$10,000 per year
Cancer Treatment (including outpatient treatment)	S$10,000 per year
Limits on benefits payable during period of insurance
Course of Treatment (excluding Death Benefit)	S$20,000
Limits on benefits payable on all other hospital and surgical policies inforce or otherwise
Lifetime Benefit Limit (excluding Death Benefit)	S$100,000
Death Benefit (amount payable if death occurs before the Insured Customer's 45th birthday)	S$1,500

The NTUC Family Package has been customised to help you financially so you can focus on the most treasured aspect of parenthood – your children. So sign up today, it’s the most caring decision you’ll make.

To find out more, call OCBC Customer Service at 1800 438 6088 ( 9 am - 10 pm daily) or visit any OCBC branch.

Through the NTUC-OCBC partnership, a wide range of specially designed solutions is available to meet your financial needs. All to help you achieve a better quality of life.

Disclaimer:
Insurance policies will be underwritten by registered insurers and are not bank deposits or obligations of, or guaranteed by OCBC Bank or any of its affiliates or subsidiaries.
Insurance policies are long-term commitments and early termination of insurance policies usually involves high costs and the surrender value may be less than the total premium paid.
Specific terms and conditions are applicable to insurance policies and these details are set out in the policy documents.
Please refer to the product information leaflet for more details and full definitions of the benefits payable.
This brochure is for general information only and applies mainly to Singapore citizens/PRs.
It is not a contract of insurance, nor does it confer any rights on any insured member.
The full terms, conditions and exclusions governing the Parenthood Plan are found in the Policy issued by the Insurer (Overseas Assurance Corporation Ltd) to the Policyholder (Oversea-Chinese Banking Corporation Limited/OCBC Bank).
You may wish to seek advice from a financial adviser before making a commitment to purchase the product.
In the event that you choose not to seek advice from a financial adviser, you should consider whether the product in question is suitable for you. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. You should consider carefully if you are intending to switch policies as this might be detrimental to your current and future needs.
The Parenthood Plan is underwritten by The Overseas Assurance Corporation Ltd, a wholly-owned subsidiary of Great Eastern Holdings Ltd and a member of the OCBC Group.
Singapore dollar deposits held by, or for an individual, or a charity will be insured in accordance with and for up to the limits specified in the Deposit Insurance Act.
This advertisement is for general information only. It is not a contract of insurance. The precise terms, conditions and exclusions of each insurance plan are specified in the respective policy.