A normal prenatal scan is not a guarantee of zero risk at birth.
先天性心脏病、早产并发症，往往在产检超声波中难以完全侦测。等孩子出生后才想到要投保，可能已经错过了保障的黄金窗口。
Congenital heart defects and premature-birth complications often escape detection on routine ultrasound scans. Waiting until after birth to apply for cover may mean the window has already closed.
戴谚晖 Tai Yen Fei · 人寿保障与遗产规划顾问 · 019-223 0872
2023年11月，钱宝双在怀孕31周为腹中胎儿投保一份产前保单，保单于同年12月生效。2024年2月，她诞下一对双胞胎，比预产期早两个月。其中一名宝宝在出世4个月后确诊室间隔缺损（VSD），并因反复发烧转往私立医院治疗，随后又诊断出肝脓肿，医疗费用累计高达约RM290,000。保险公司以保单「先天性疾病」除外条款为由，最初仅愿意承担最高RM50,000。夫妻俩为此召开记者会，促请国家银行检讨产前保单条款。事后经上诉，保险公司才同意加付至总额约九成。
In November 2023, a Malaysian mother bought a prenatal policy at 31 weeks of pregnancy. Her twins arrived two months early in February 2024, and one baby was later diagnosed with a ventricular septal defect and, separately, a liver abscess — total medical bills reached roughly RM290,000. The insurer initially capped its payout at RM50,000, citing the policy's congenital-condition exclusion, prompting the parents to hold a press conference. A later appeal raised the payout to about 90% of the claim.
吉隆坡华裔男婴陈日汉（Tan Jit Han）出生第一周起持续呼吸困难，送院检查后确诊心脏出现两个洞孔的严重先天性心脏病，须依赖呼吸器维持生命，并急需开胸修补手术，惟家属尚欠约RM100,000医疗费，最终向慈善机构公开求助。
A 22-day-old baby boy in Kuala Lumpur was found to have a severe congenital heart defect after developing breathing difficulties in his first week — he required ventilator support and urgent open-heart surgery, with the family short of roughly RM100,000 in medical costs and turning to public fundraising.
这类先天性心脏病，多数无法在常规产检中被完全排除，一旦发生，医药费往往是家庭难以承受之重。
资料来源 Sources: listing.my（2026年数据）· medicard.my（2025年数据）· Great Eastern《Smart Baby Shield Plus》产品手册
保险的基本原则很简单：不能为已经发生的事故投保。孩子出生后，若已确诊先天性心脏病、唐氏综合症等状况，核保时必须如实申报，保险公司几乎必定会：
这不是保险公司「刻薄」，而是保险运作的基本逻辑 — 就像等到房子着火了才想买火险一样。
Once a child is diagnosed, insurers must underwrite based on that known condition — meaning outright rejection, a permanent exclusion on that specific condition, or steep loading. This isn't insurer harshness; it's how insurance fundamentally works.
在怀孕13至36周申请Smart Baby Shield Plus时，宝宝尚未出生，先天性疾病也尚未确诊。只要核保获批，保单一旦生效，日后即便宝宝被诊断出保单涵盖的28种先天性疾病之一，仍可依约理赔。
这正是「产检正常≠零风险」这句话背后的真正意义 — 与其等风险发生才后悔，不如趁孕期窗口还开着的时候先把保障锁住。
Applying between 13–36 weeks of pregnancy locks in coverage before any congenital condition can be diagnosed — so if one of the 28 covered conditions is later found, the claim can still proceed under the policy.
留下几项基本资料，戴谚晖 Mr Tai 将根据孕妇的年龄、职业与预产期，为您预先评估合适的计划与投保窗口是否还来得及。资料只会用于生成WhatsApp讯息，不会另作他用。
Share a few details and Mr Tai will pre-assess a suitable plan and check whether the application window is still open. Your details are only used to prefill the WhatsApp message.
涵盖28种先天性疾病，包括心室/心房中隔缺损、法洛四联症、唐氏综合症、脑积水、脊柱裂等，保障至孩子7岁生日前。
28 congenital conditions covered — including septal defects, Tetralogy of Fallot, Down's Syndrome, hydrocephalus, and spina bifida — up to age 7.
出生首30天内入住NICU、ICU或HDU，以及首60天内保温箱或新生儿黄疸照蓝光治疗，费用可获实报实销。
Reimbursement for NICU/ICU/HDU admission within 30 days of birth, and incubation or jaundice phototherapy within 60 days.
涵盖羊水栓塞、子痫、胎盘早剥等10项并发症，若伴随妊娠糖尿病可再加赔20%，并提供妊娠期癌症保障。
Covers 10 pregnancy complications such as amniotic fluid embolism and eclampsia, with a 20% top-up if accompanied by gestational diabetes, plus maternity cancer benefit.
妈妈确诊产后抑郁或焦虑症，可获RM8,000心理咨询津贴；孩子若有自闭症、ADHD等发展障碍，每年最高再赔RM8,000。
Grand plan adds RM8,000 for maternal postpartum depression/anxiety support, and up to RM8,000/year for child development disorders like autism or ADHD.
妈妈与胎儿的保障即日启动。
Coverage for mother and baby begins.
10项并发症 + GDM额外20% + 妊娠期癌症。
10 complications, +20% for GDM, maternity cancer.
紧急剖腹（Grand计划）、住院深切治疗、新生儿保温箱。
Emergency C-section (Grand), intensive-care hospitalisation, newborn incubation.
NICU/ICU/HDU住院、照蓝光治疗。
NICU/ICU/HDU admission, phototherapy.
28种先天性疾病 + 心理关怀 + 发展障碍（Grand）。
28 congenital conditions, psychological care, development disorders (Grand).
现有客户再投保，享有简易投保安排。
Existing customers enjoy easy enrolment for a future pregnancy.
| 保障项目 Benefit | Essential | Superior | Grand |
|---|---|---|---|
| 孩子先天性疾病（每年）Congenital conditions / year | RM15,000 | RM30,000 | RM60,000 |
| NICU / ICU / HDU 住院（终身）NICU/ICU/HDU, lifetime | 最高 RM2,500 | 最高 RM5,000 | 最高 RM10,000 |
| 妈妈孕期并发症Mother's pregnancy complications | RM7,500 | RM15,000 | RM30,000 |
| 妈妈ICU/HDU住院Mother's ICU/HDU hospitalisation | RM2,500 (+GDM 500) | RM5,000 (+GDM 1,000) | RM10,000 (+GDM 2,000) |
| 妊娠癌症Maternity cancer | RM2,500 | RM5,000 | RM8,000 |
| 紧急剖腹早产Emergency C-section (early delivery) | — | — | RM8,000 |
| 产后心理关怀Postpartum psychological care | — | — | RM8,000 |
| 儿童发展障碍（每年）Child development disorder / year | — | — | RM8,000 |
投保年龄：妈妈19–45岁next birthday；孩子须于怀孕13–36周投保。保障期：妈妈至分娩后1年；孩子先天疾病保障至7岁next birthday。以上仅为摘要，实际保障金额与条款以保单合约及产品资料披露表为准。
Entry age: mother 19–45 next birthday; child must be insured between 13–36 weeks of gestation. This is a summary only — refer to the policy contract and Product Disclosure Sheet for full terms.
建议在怀孕13周后尽快投保。像Smart Baby Shield Plus这类专门保障新生儿先天性疾病的附加险，规定必须在怀孕13至36周之间申请 — 超过36周或等到孩子出生后，就无法再为这份保障投保。
Apply as early as possible after week 13 of pregnancy. Riders like Smart Baby Shield Plus that cover congenital conditions must be applied for between 13–36 weeks of gestation — after that, the window closes.
非常困难。保险的基本原则是不能为「已经发生」的风险投保 — 一旦孩子确诊先天性疾病，绝大多数保险公司会直接拒保，或将该项疾病列为终身除外责任。
Very difficult. Insurance cannot cover a risk that has already occurred — once a congenital condition is diagnosed, most insurers will decline the application or permanently exclude that specific condition.
孕妇保单通常在怀孕期间投保，保障以妈妈孕期并发症为主；婴儿保单/Baby Plan则把保障延伸至宝宝的先天性疾病、NICU住院等新生儿风险。Smart Baby Shield Plus把两者合一，一份保单同时保障妈妈与宝宝。
A "maternity plan" typically covers the mother's pregnancy complications, while a "baby plan" extends to the newborn's congenital conditions and NICU risk. Smart Baby Shield Plus combines both in one policy.
一般不行。绝大多数标准医药卡，无论何时投保，都把先天性疾病列为除外条款。真实案例显示，即使是产前投保的保单，只要不是专门涵盖先天性疾病的产品，理赔时仍可能被拒（见上方真实新闻案例一）。
Usually not. Most standard medical cards exclude congenital conditions regardless of when they were bought — as shown in real case one above, even a prenatal policy was rejected because it wasn't a product designed to cover congenital conditions.
这是附加于SmartProtect Junior的单位扣除保障，保险费从保单总投资价值中每年扣除，实际保费依计划（Essential/Superior/Grand）与保障年期而定，建议联系顾问获取个人化建议书。
It's a unit-deduction rider on SmartProtect Junior — charges are deducted yearly from the policy's investment value. Actual cost depends on the plan tier and coverage term; contact an advisor for a personalised illustration.
若您是Smart Baby Shield Plus现有客户，为下一胎投保时可享简易投保安排，无需重新完整核保。
Existing Smart Baby Shield Plus customers enjoy easy enrolment for a subsequent pregnancy, without full underwriting.
为准爸妈、新手家庭规划孕产保障、儿童教育金与家庭财务安全网。欢迎WhatsApp咨询，免费获取Smart Baby Shield Plus个人化建议书。
Helping expecting parents and young families plan maternity coverage, education funds, and financial safety nets. Reach out on WhatsApp for a free, personalised proposal.
WhatsApp: 019-223 0872 →