(Withdrawn) Smart Baby Shield (SBS)

Smart Baby Shield Must Attach in SPJ

Entry Age:
Unborn Child
Mother AGE: 19 – 45 next birthday
Prenatal Child: 13 – 35 weeks of gestational period

Coverage:
Child – Until attained age of 5 years next birthday.

Smart Baby Shield 只能附属在 SPJ

入门年龄:
Unborn Child
孕妇年龄: 19 – 45 next birthday
怀孕周期: 13 – 35 weeks of gestational period

1. Hospitalisation Cash Benefit:
     RM500 /day in NICU/ICU/HDU,
     at anytime within 1 year birth up to max 60 days

1. 住院津贴:
    每日 RM500 在NICU/ICU/HDU,
     一岁内任何时候，最高60天

2. Incubation of Newborn:

     RM200 /day within first 60 days after birth

Remark:
If 1 & 2 happened in same time, then will claim whichever is higher.

EXP:
If the baby needs Incubation while in the NICU/ICU/HDU
That can only claim up to RM500 per day

2. 新生儿氧气箱:
    每日 RM200 出生60天内

备注：
若第一和第二项同时发生，那就赔偿何者为高

例子：
若婴儿需要氧气箱同时又在 NICU/ICU/HDU
那最多只能索赔最高的 每日RM500

3. Phototherapy Treatment for Neonatal Jaundice*:
     Pay Lump Sum: RM 1,000
     within first 60 days after birth

*must be confirmed and supported with relevant  blood tests results including but not limited to total serum bilirubin levels of >250 (micromole/liter)

3. 光疗治疗新生儿黄疸*:
     一次性支付: RM 1,000  
     出生60天内

*必须通过相关的血液检查结果进行确认和支持，包括但不限于总血清胆红素水平> 250 (micromole/liter)

4. Hospitalisation: Due to Congenital Conditions
      Up to RM 30,000 / year

1. Anal Atresia Specified Severity requiring surgery
2. Atrial Septal Defect requiring surgery
3. Congenital Cataract with surgery
4. Congenital Deafness requiring treatment
5. Congenital Diaphragmatic Hernia
6. Infantile Hydrocephalus
7. Tetralogy of Fallot
8. Transposition of Great Vessel
9. Truncus Arteriosus with surgery
10. Ventricular Septal Defect requiring surgery
11. Coarctation of the aorta with invasive surgery
12. Cerebral Palsy
13. Spina Bifida with neurological deficit
14. Congenital Oesophageal Atresia with invasive surgery
15. Trachea-oesophageal fistula with invasive surgery
16. Cleft Lip and/or Cleft Palate with surgery
17. Down’s Syndrome
18. Retinopathy of Prematurity with surgical procedure
19. Congenital Absence of Two Limbs

4. 住院医疗费用: 先天性遗传病
    每年高达 RM 30,000

1. 肛门闭锁手术
2. 心脏缺损手术治疗
3. 先天性白内障手术
4. 先天性耳聪治疗
5. 先天性膈疝
6. 婴儿脑积水
7. 法洛四联症
8. 主动脉移位
9. 动脉移位
10. 室间隔缺损手术
11. 主动脉缩窄与侵入性手术
12. 脑瘫
13. 脊柱裂有神经功能缺损
14. 先天性食管闭锁与侵入性手术
15. 气管食管瘘与侵入性手术
16. 唇腭裂和/或腭裂与手术
17. 唐氏综合症
18. 早产儿视网膜病变
19. 先天性无肢体缺失

5. Death Benefit:

     TIV + RM5,000
     Death of Foetus / birth up to 30 days after child’s birth

5. 死亡利益:
     现金价值 + RM5,000 
     胎死腹中/ 出世30天内

6. Infectious Disease Benefit:

Pay Lump Sum: RM1,000

Upon Diagnosis
1. Measles with complication
2. Hand Foot Mouth Disease with complication
3. Chikungunya Fever with complication
4. Typhoid Fever with complication
5. Rabies

Upon Hospitalisation
6. Zika Virus Infection
7. Middle East Respiratory Syndrome coronavirus (MERSCoV)
8. Ebola Virus Infection
9. SARS
10. Influenza A – Avian influenza A (H7N9) & A(H5N1) 
11. Nipah Virus Encephalitis
12. Japanese Encephalitis
13. Creutzfeldt-Jakob Disease
14. Malaria
15. Dengue Hemorrhagic Fever

6. 疾病感染利益:
     一次性支付: RM1,000

确诊
1. 严重的麻疹并发症
2. 重症手足口病同并发症导致神经功能缺损
3. 基孔肯雅热与并发症
4. 伴有并发症的伤寒
5. 狂犬病

住院
6. 寨卡病毒感染与 住院治疗
7. 中东呼吸综合征冠状病毒（MERS-CoV）住院治疗
8. 埃博拉病毒感染与 住院治疗
9. SARS 住院治疗
10. 甲型流感 – 禽流感  A (H7N9) 和 A(H5N1) 住院治疗
11. 立百病毒性脑炎 住院治疗
12. 日本脑炎 住院治疗
13. 克雅二氏病 住院治疗
14. 疟疾与 住院治疗
15. 登革热出血热 住院治疗

Smart Baby Shield Must Attach in SPJ

Entry Age:
Unborn Child
Mother AGE: 19 – 45 next birthday
Prenatal Child: 13 – 35 weeks of gestational period

Coverage:
Mother coverage will end in 1 month after child’s birth

Smart Baby Shield 只能附属在 SPJ

入门年龄:
Unborn Child
孕妇年龄: 19 – 45 next birthday
怀孕周期: 13 – 35 weeks of gestational period

保障期限:
妈妈 – 保障将在孩子出世一个月后结束

1. Hospitalisation Cash Benefit:
     RM 500 /day in ICU/HDU, 
     Due to childbirth complications
     up to 1 month after delivery

1. 住院津贴:
    每日 RM500 ICU/HDU
    由分娩并发症引起，1个月内

2. Maternity Cancer:
     Pay Lump Sum: RM 5,000
     Waiting Period : 60 Days

3. Pregnancy Complication:
     Pay Lump Sum: RM 5,000  
     Extra RM1,000 with GDM*

1. Abruptio Placentae of specified  severity
2. Amniotic Fluid  Embolism of specified  severity
3. Eclampsia
4. Placenta Increta / Percreta of specified  severity
5. Postpartum Hemorrhage Requiring Hysterectomy
6. Acute Fatty Liver in Pregnancy of specified  severity
7. Disseminated Intravascular Coagulation (D.I.C.) due to pregnancy

8. Pregnancy complications (the above),
    if accompanied by Gestational Diabetes Mellitus (GDM)*

3. 妊娠并发症:
   一次性支付: RM 5,000 
   GDM 额外增加 RM 1,000

1. 胎盘早期剥离
2. 羊水严重肺栓塞
3. 子痫
4. 植入性胎盘
5. 产后大出血需要子宫切除术
6. 妊娠期急性脂肪肝
7. 妊娠引起的弥散性血管内凝血

8. 以上原因兼同时患妊娠期糖尿病 (GDM)*

4. Death Benefit: RM 30,000 
     Due to childbirth/pregnancy  complication

OR

     Accidental Death Benefit: RM 30,000

OR

     Accidental Death  Benefit: RM 60,000
     Due to public conveyance

4. 死亡利益: RM 30,000 
     由于分娩/怀孕并发症

或

意外死亡利益: RM 30,000

或

意外死亡利益: RM 60,000
公共交通设施导致

5. Infectious Disease Benefit:
Pay Lump Sum: RM 1,000

Upon Diagnosis
1. Measles with complication
2. Hand Foot Mouth Disease with complication
3. Chikungunya Fever with complication
4. Typhoid Fever with complication
5. Rabies

Upon Hospitalisation
6. Zika Virus Infection
7. Middle East Respiratory Syndrome coronavirus (MERSCoV)
8. Ebola Virus Infection
9. SARS
10. Influenza A – Avian influenza A (H7N9) & A(H5N1) 
11. Nipah Virus Encephalitis
12. Japanese Encephalitis
13. Creutzfeldt-Jakob Disease
14. Malaria
15. Dengue Hemorrhagic Fever

5. 疾病感染利益:
     一次性支付: RM1,000

确诊
1. 严重的麻疹并发症
2. 重症手足口病同并发症导致神经功能缺损
3. 基孔肯雅热与并发症
4. 伴有并发症的伤寒
5. 狂犬病

住院
6. 寨卡病毒感染与 住院治疗
7. 中东呼吸综合征冠状病毒（MERS-CoV）住院治疗
8. 埃博拉病毒感染与 住院治疗
9. SARS 住院治疗
10. 甲型流感 – 禽流感  A (H7N9) 和 A(H5N1) 住院治疗
11. 立百病毒性脑炎 住院治疗
12. 日本脑炎 住院治疗
13. 克雅二氏病 住院治疗
14. 疟疾与 住院治疗
15. 登革热出血热 住院治疗