I just bought mine from Prudential. I took the one with life plan. Which cover me and baby till he is 3yo. the plan auto change to baby's life plan after he is born. This include hospitalisation etc.
Is a 1 time payment. I took a 20k package. Minimum is 5k. Some medical claim is by %. It recalculate the amt according based on the premium. I pay a 1 time 2.1k. also base on my age. Im 38.
For baby life plan and medical is important. That we can do it after 3yo.
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