Smart Baby Shield Plus (H72A-H74A & H72B-H74B)

BENEFITS
1. Benefits for the mother

Benefit
Benefits for Smart Baby Shield Plus -Mother Essential Superior
No.
(H72A) (H73A)
1. Death of mother due to childbirth/pregnancy
complications
RM7,500 RM15,000
a) Prior to delivery, or
b) Up to 60 days after delivery.
2. Upon diagnosis of any of the followingPregnancy
Complications:
a) Abruptio Placentae
b) Amniotic Fluid Embolism
c) Eclampsia
d) Placenta Increta / Percreta
e) Postpartum Haemorrhage RequiringHysterectomy
f) Acute Fatty Liver of Pregnancy
g) Disseminated IntravascularCoagulation RM2,500 + RM5,000 +
(D.I.C.) additional 500 if additional 1,000if
h) Uterine Rupture accompaniedwith accompanied with
i) Vasa Previa GDM GDM
j) Pulmonary Embolism of Pregnancy

For pregnancy complications listed above

accompanied by Gestational Diabetes Mellitus (GDM),
an additional 20% of the benefit above shall be
payable.
(Up to 60 days after delivery)
3. Hospitalisation Benefit As charged, As charged,
subject to subject to
Upon admission of the mother into Intensive Care Unit Reasonable and Reasonable and
(ICU) / High Dependency Unit (HDU) due to childbirth/ Customary Customary
pregnancy complications Charges up to Charges up to
(Up to 60 days after delivery) RM2,500 RM5,000

4. Maternity Cancer Benefit

Upon diagnosis of cancer and there is awaiting
RM2,500 RM5,000
period of 30 days.
(Up to 60 days after delivery)
5. Emergency Caesarean Section for EarlyDelivery
(before 36 weeks of gestation) N/A N/A

6. Psychological Consultation BenefitUpon

diagnosis of:
a) Major Depressive Disorder (MDD); or N/A N/A
Generalised Anxiety Disorder(Up to 1 year after
delivery)

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2. Benefits for the child
BENEFIT
No. Benefits for Smart Baby Shield Plus –Child
Essential(H72B) Superior (H73B)

1. Death of child
a) Death of foetus, or RM2,500 + TIV RM5,000 + TIV
(if any) (if any)
b) From birth up to 1 year after the child’sbirth

2. Hospitalisation Benefit
As charged, subject to As charged, subject to
Upon admission into Neonatal IntensiveCare Unit (NICU)/ ICU/
Reasonable and Reasonable and
HDU
CustomaryCharges up to CustomaryCharges up to
(within the first 30 days from birth) RM2,500 per lifetime RM5,000 per lifetime
3. Incubation of Newborn
(within the first 60 days from birth)
4. Phototherapy Treatment for NeonatalJaundice of specified
severity
(within the first 60 days from birth)

5. Hospitalisation due to Congenital ConditionsReimbursement for

Hospitalisation due to the following Congenital Conditions: As charged, subject to As charged, subject to
a) Anal Atresia Reasonable and Reasonable and
b) Atrial Septal Defect CustomaryCharges up to CustomaryCharges up to
RM15,000 per RM30,000 per
c) Congenital Cataract
year yea
d) Congenital Deafness
e) Congenital Diaphragmatic Hernia
f) Infantile Hydrocephalus
g) Tetralogy of Fallot
h) Transposition of Great Vessel
i) Truncus Arteriosis
j) Ventricular Septal Defect
k) Coarctation of the Aorta
l) Cerebral Palsy
m) Spina Bifida
n) Oesophageal Atresia
o) Trachea-oesophageal Fistula
p) Cleft Lip and/or Cleft Palate
q) Down’s Syndrome
r) Retinopathy of Prematurity
s) Absence of Two Limbs
t) Club Foot
u) Biliary Atresia
v) Congenital Abnormalities of the Kidneyand Urinary Tract (CAKUT)
w) Congenital Blindness
x) Congenital Hypertrophic Pyloric Stenosis
y) Development Dysplasia of the Hip
z) Patent Ductus Arteriosus
aa) Congenital Dislocation of Hip
bb) All Structural Congenital Conditions(Only for Grand version)

(Up to age 7 years next birthday)

6. Child Development Disorder Benefit Upon seeking treatment due to any of
thefollowing Child Development Disorder
a) Autism Spectrum Disorder
b) Attention Deficit Hyperactivity
c) Language Disorder
d) Specific Learning Disorder
N/A N/A
e) Stereotypic Movement Disorder
f) Tourette Syndrome
g) Gross Motor or Speech DevelopmentalDelay
aa) (Up to age 7 years next birthday)

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