Mdm C was introduced to me by one of my clients. She was expecting her first baby then. Mdm C heard about the benefits of the prenatal protection policies and she wanted to get her baby covered as early as possible. She took up the relevant insurance together with a whole life critical illness policy with limited payment terms once she turned 16 weeks.<\/p>\n
Her pregnancy went well and her baby boy was delivered safely and smoothly.
\nTo her surprise, her baby was born with club foot. \u201cClub Foot\u201d is a congenital abnormality of the lower extremity which consists of plantar flexion, inversion of the heel hind foot and forefoot and adduction of the forefoot. This condition would not and could not be detected by ultrasound scans. This condition maybe caused by the baby\u2019s position in the womb, it has been breech presentation since 20 weeks. Breech presentation means buttocks and\/or feet first. This is not normal and it’s more serious than the baby’s head being up instead of down.<\/p>\n
Close follow up and physiotherapy sessions are required to improve the baby\u2019s feet position and recovery. The parents were sad. However, they felt relieved that they made a right decision to cover the baby for such unforeseen conditions. With the prenatal insurance, she received a lump sum benefit for the congenital condition, and she has the right to purchase a life insurance policy for her baby boy\u2019s congenital condition, without no medical underwriting required, which no other insurance companies would accept her boy\u2019s application.<\/p>\n
Today, she is happy that she made that decision. She only has to concentrate to attend to her boy\u2019s recovery and not to worry about whether her boy is eligible for life insurance.<\/p>\n