Saturday, July 31, 2010





Is aready 3 day ,grandma is still the same condition..Was very xinku to control my expression whenever parent was around and I wanted to control my expression and control my tears to drop..I only can keep telling grandma i here faster recover and we can bring u back home..Grandma can only open her eye awhile and close her eye and can see the expression of her..She is very pain to see her like that it really make me very hurt..

Today mummy speak to the doctor when i was chased out by the nurse outside cos i might spread my sick to the patient and grandma..Even i suggested to the nurse that i wear mask,I Just want to sit beside grandma and wait her to wake up..She cannot eat and she with nose drip,doctor say her condition is not good,the brain still left some blood inside and many many more things but i just cannot accept the fact..How to accept the fact i think those who used to have a very close relationship with any family member will be having the same feeling thinking..Feeling sad wanted to cry i cannot cry at home and even the hospital..Have to hold to the tear whenever my mind is have the image of my grandma laying on the bed and the very xinku expression i just cannot control my tear just drop..I have to get well no matter how i just want to go to the hospital and accompany her,no matter what i just wait for her to wake up..I don't want to regret on my life she is someone who is very close to me i want to be one of the other to accompany her to the end..I dun want to regret in my life.

Friday, July 30, 2010

Grandma Grandma pls be alright and will bring u home okay..

I dun know i cant stop thinking i saw my grandma laying on the bed @ ttsh and than with nose drip n was tie up and i know she is hurt but i cannot even do anything,Last sunday we were so happily celebrated her 90s birthday and today heard from mummy that grandma is in the hospital yesterday she was trying to take things from on top on the cupboard and the whole cupboard topple on her..Went to ttsh with hubby,he take half day leave and accompany to go there and when i saw my parent i know they are worry about my grandma condition..I really wish she can get well and attend my bro wedding in this November..

I really hope grandma will be fine and like sunday i saw her...I still in a very empty minded mode just hope my grandma will be fine and wanna to bring her back to our home..

Wednesday, July 28, 2010

Our House is painting in progress

Today is 28th July 2010

Since dun know when Hubby & I wanted to do something with the cracked walls & replace our rubbish chute since last year...We had been engaged to this company for twice although they change the name of the company but than the address is the same...I had been complain to many of my friend about the rubbish chute since this year..FINALLY we REPLACE it TODAY..Thank to That fellow 这种朋友一个就够了..Don't want to say MUCH seriously..Just return us back the money BY TODAY..

We engaged another company to help us re-paint our house & replace the rubbish chute TOTAL: $2k ( can be pay by installment..(Have to pay a down payment & one month installment) and 白白 waste my deposit $55 and the companby should be very happy lol..(why got two receipt cos we had engaged this company TWICE and deposit different things for TWICE..That $$$$ i can used to buy my 2 precious things lol..Not going to do silly things anymore cos the money wasted JUST LIKE THAT..(stop all my grumble)

Let the picture do the saying:




=========> Our new rubbish chute ($220) sorry is $275 plus that deposit ,this rubbish chute is damn expensive lol


Yesterday was waiting for hubby to come back do some photo taking since i have nothing to do...(Guess what colour we choose for our house) will updated when everything is finish :)

Today morning,the workers came and cover the furniture and start to do the painting and hubby & I went over to sheng siong to buy some grocery..Than hubby went off to work and i'm alone with two -three workers..The paint smell is very eeeeeeeeeeeee lol...
Thank to my dearest friend & family who know mikkiel is down with sick and they call or sms or come to my house to visit him(lunch time /dinner time ),actually he is down with fever 39.6'c and flu and cough..Some of my friends even pass me money scared i not enough money to bring him to see doctor..I really really really dun know how to say but we return them back cos we have enough and have bring him to see doctor in the morning on monday..

This world there is still alot of nice nice people don't want because of one or hundred friend who dun know how to treasure FRIENDSHIP and Just treat FRIEND just want them TO HELP them when THEY NEED $$$$ or NEED SOME ONE TO HELP & PROTECT U when u get in to trouble... TELL THOSE PEOPLE (who had this type of thinking :U doesnt need a FRIEND GO to the bank & APPLY LOAN OR ATM CARD & U doesnt deserve to have friend around u AT ALL...======>GET OUT OF PEOPLE LIFE AND LIVE ON UR OWN ...sometime only know how to think of urself is very scary sometime in another words IS SELFISHNESS..Nothing wrong to be selfish but than when people help or lend u a hand when we are in a very critical period ,normally react is to be grateful not let them suffer BEACUSE of YOUR SELFISHNESS and DUN EVEN FEEL GUILTY AT ALL..

** Sorry for the bloody long post again but just throwing out some things that was in my minds for a few month..Will never want to mention this anymore cos i will be more CAREFUL with this type of PEOPLE...

Tuesday, July 27, 2010

My own opinion

IF A PERSON DOESN'T KNOW HOW TO SAY SORRY WHEN HE/SHE DONE SOMETHING WRONG NO MATTER IS

  1. FAMILY
  2. SPOUSE
  3. RELATIVES
  4. FRIENDS
  5. AND MANY MANY MORE

I ALWAYS BELIEVE EVERYONE DESERVE A SECOND CHANCE BUT THAN NOT EVERYONE DESERVE A SECOND CHANCE IT DEPEND AND UP TO THE PERSON WHETHER HE/SHE WANTED TO FORGIVE OR FORGET ANOT...NOT EVERYONE THINKS THE SAME

MOSTLY WHY PEOPLE WILL MAKE MISTAKE, BECAUSE OF

  • MONEY
  • CHARACTER
  • LIES
  • GAMBLING,TAKING DRUGS
  • AND ETC....

THERE ALOT OF EXAMPLE :

PARENT QUARREL WITH CHILDREN
SOMEONE ACCUSED A PERSON BLINDLY

Monday, July 26, 2010

Happu birthday to grandma + first workshop we attend...

Happy birthday to my beloved 婆婆



See the birthday cake,i order for my beloved 婆婆







If u have always read my blog,Last Saturday had mention about the "first " workshop hubby and I attend

The topic is Experiential Bonding ( very chiam rite:)
is about our spouse & us

This is the 5 Love language

  • Word of Affirmation
  • Quality Time
  • Receiving Gift
  • Act of Service
  • Physical Touch
and

the speaker also talk about "Parenting Topics..At least i know what hubby think and what he wants and never say it out it helps to improve our marrriage too and more better knowledge of how a parent we can be..
"Not easy to be parent nowadays"

Today morning,mikkiel is sick and having fever 39.6'c..Quickly Brought him to see doctor and now he is getting better see the medicine he is having.....I always get worry when No matter children get sick..Hope precious can get well soon....

Sunday, July 25, 2010

Susprise from my godsis,Carolynne & her bf

My Advanced Birthday Celebration


My first birthday cake for this year :)
Hubby & Me ( I love this photo so so so MUCH)
My godsis & me
Last year birthday godsis organised a birthday celebration for me & she know i love singing so we went to TOP ONE to sing until we shiok together with hubby and Cassandra... This year she came all along from amk to my house and celebrate my advanced birthday with her bf..Tell me how can i tell myself i not fortunate and not happy..At least there is someone beside my family who still remember my birthday and give me a susprise...Thank you very much godsis ,Carolynne and her bf

Saturday, July 24, 2010

The first workshop we went together


Today wake up early and rush here and there & hubby brought 2 precious to school and i prepare myself and meet him @ the nearby bus-stop and we boarded the bus to the venue for our workshop..Actually totally forgotten what workshop we will be going...



Luckily we reached the place on the time n sit down while waiting the rest to come in who sign up for this workshop...Of course i finally know what workshop i had sign up is " Family Bonding" ...We had to attend one workshop every year was organised by Macpeherson Family Center ..I was thinking workshop should be very boring and we doesn't take any breakfast than went over there but my thinking is wrong the workshop is interesting and we gain something like we know our spouse is thinking and what actually they wanted by doing some simple & interesting survey....Will share it out to everyone here:when i have free time cos mikkiel had wake up from is napping...Happy 19 month to my precious :)

Friday, July 23, 2010

又是星期五了..

One of the day when we will waiting for cab to bring 2 precious to school so pose and let hubby to take a full body of mine..( i am thinking of chopping my hair to short )



Finally is friday again,can sleep alittle bit late..Since last sunday till now was coughing and coughing till my lung is phew-ing out soon,had been working in this company for 1 month and 2 days,got happy also got not very happy things" Lucky i am a person is what today happen tomorrow will defiintely forget and start a new day" but of course i will still grumble,have to thank to my dearest 朋友s 借我他们的耳朵让我讲个不听...But at least i still get along well with my colleagues if they dun think i am too noisy at times..:)


Recently had been taking cab to work,I am not rich but than sometime no choice is getting late and I dun really like to be late to work or meeting friends,i know sometime i have no choice even take cab also will be slightly late...The photo i upload is one of the day i taking cab and the sun is so so so bright and big..Feel like fainting straight away but than i still have to endure the hotness and go to work...My job is not relaxing want ok stand till i have my lunch or off to my home sweet home...Recently was having vegetarian lunch when i saw one of my colleague having it when she has a lunch and when i start to know there a stall selling i am their regular customer now..




Today went to bring 2 precious with hubby,and bring them to the foodcourt to have their dinner and went back home and 3 of them is sleeping as usual and i am here for updating..doesn't like to be disturb cos i cannot be disrupted when i am siting on the computer chair... Tomorrow and sunday have to wake up early lol...Saturday have to attend a workshop with hubby and than Sunday going back to amk to celebrate my beloved grandma birthday..Hope this two days can be happy cos hubby is not doing OT for this weekend ...Yippee >>>>>>Have a joyful weekend everyone >)

Thursday, July 22, 2010

The 1st racial harmony day


Yesterday was racial harmony day so 2 precious' school was told to wear the costume represent a race..So i let my 2 precious wear their Chinese new year clothes that was wore this year...Dun need to headache what to let them wear and obviously both of them is represent CHINESE and was praised by their teachers when they both step into the school...Bring them back from school they feel so happy and sarah keep singing song and mikkiel was very happy cos the expression he told me....They went off to bed @ around 9 plus and of course i am free after they went to their lala land...

I am feeling sleepy going to take a short nap before i went to fetch 2 precious from their CC..


Pls kindly help me click on my ads if u happen saw it...Thank in advanced :)

Monday, July 19, 2010

:)


My 2 precious and i have a great sunday cos Anqi soo meng & astro came over to my place and chit chatting...Love friend coming up my house and i also feel so glad to catch up with any of my old friends...More small small gathering is coming up and feel so happy.:)

Sunday, July 18, 2010

Our short outing

was wondering why this stupid thing will pop up when i was playing game or blogging and is very irritating..(Just like watching tv and than one people is blocking my way)

while smoking i cam whoring myself didn't notice i was standing infront of that board , NO SMOKING HERE..BUT than my hubby was standing infront of me didn't even mention...Dun want to get FINE just because of this..I very kia si want,will not do it again...


while waiting for hubby's friend coming out from the shop i taking outside...

i know my hp camera is very SUCK but than if zoom abit is still can be quite clear...
These 3 pictures is hubby using my hp camera & his photo taking skill is damn *(#(*...the first to the last want is from abit clear till not clear and he dun even know that my hp camera have this function call ZOOM ...



Today was a tiring day,planned to bring 2 precious to CC but than was raining heavily So decided not to bring them go and stay at home ...They wake up the same time they usually wake up and of cos i have to wake up also,let them watch their fav channel and i begin with my housechores...Cook porridge for them and i finally finished with my housechores before their lunch...Feed them and while they are taking their nap & I can do some research about the face product i have to promote and sell when i was working,dun wanted to recommend without any knowledge..The boss should be glad to hire me as a part time sale assistant (i know i beri thick skin)..Until now i still not seen my boss before,not very keen to see la just want to take my very first salary ...

Was meeting shiyim in Jurong point in the evening ,so was happy finally we can go out as a family in the weekend...We very long never go out like this as a family was happy at first cos meet shiyim and her family than we chat for awhile and than they have to go first than we go to buy some grocery @ xtra for tomorrow lunch & dinner..Sarah was crying on and off while we will on the way to the destination,my mood was from high to low, didn't have the mood the walk long buy things and q-ing up make payment..Hubby went to meet his friend (long) for a stick and i went to find my colleagues..Didn't know sarah will so click with his friend ,hubby say when long talk to sarah she will stop crying but than when long talk to hubby sarah start her crying...We went back after that was very tired doze off to sleep..I was awake cos mikkiel want to drink milk and i hear the rain from my room so went to take my working apron in from balcony and this is how i was awake and cannot continue my lala land...Was quite a happy Saturday :)

Friday, July 16, 2010

Friday again...

Is friday again today mood was very 调tones from early in the morning was so Bloody angry till now in a happy mood...What i had done for this week gonna to summarize doesnt want to write a bloody long post again...


Sunday 11 july 2010

Don't feel like mention cos dun even want to remember anymore..

Monday 12 july 2010 ( Final match Netherlands Vs Spain)

Watch the final match with hubby @ 2:30am cos i dun need to work on that day and i really only very interested on the final match..Serious is the first and last match i feel like watching cos this year (BERI DIFFERENT) i have use 10 buck to bet on the match but than i was in computer only there is some shouting and will focus on the TV screen..Tell u all a joke starting of the match i dun know which group is Netherlands and which group is Holland when hubby was awake than i ask him and than i asked him twice lol..In the end i won $7 from singapore pools and collect my money and keep telling my hubby i won the match lol...

Tuesday till Thursday

_ Bring 2 precious to school
_ Eat breakfast together
_Go to work
_Fetch 2 precious from school
_Clean them Feed them Coax them to sleep
_ Wait till hubby to come back & i went to sleep & he ate his dinner..


Today (16 July 2010)

Wake up in the morning bath & get prepare and hubby told me he receive a sms than that goes my head is boiling and i can't stand it anymore...So had a very BAD morning..I wanted to thank my friend A and S i doesn't want to mention their names (cos dun know which of my post had mention their name and friend that we had common start to borrow money $$$$ if never they will say why u can help Sally but never help me..diaoz and question mark ???) they helped me AGAIN ..Hubby told me this amount of money can see a person character = worth it..Brought 2 precious to school and than went to see a doctor and get MC , and went home to changed cos hubby is wearing is uniform...
Went over to jurong west in the afternoon,had lunch there& wait till the time to reach by walking around the pasar malam and hubby went to see doctor & waited bloody long in the clinic at the end i start taking some unclear pictures lol...( feel so happy cos i somehow relieved cos finally what i want it to come had areadi come)===phew...

Hubby start to doze off after sometime & I start to cam whoring myself i simply love mirror can
stop my action cos the man behind me is keep looking at me...

thank mummy to help me to keep this hat for sososo long( brought me some sweet memory)

Went out the clinic so happy cos at least i can help my friend to do abit cos she had help me alot although we dun know each other long...
Evening my parent came over and brought my jeans up (need to wear for work) mummy follow me & hubby go fetch 2 precious and daddy got park the van..Went to have dinner together & parent wanted to bring sarah home but than she cry on the way in my daddy's van so mummy decided to sent her back cos daddy cannot concentrated driving cos sarah' cry is very terrible and daddy dotes her alot how can he see her cry like that..So no choice wait till next week than bring 2 precious over cos have to celebrate my grandma birthday with my uncles,aunties and cousin ..
Night time ,take up the jean and try and unfortunately 2 jean not able to button and zip will try my best to fit it the rest still can wear..So i dun need to waste my money on jean cos anyway i only wear it to work...(haha)

Tomorrow have to bring them over to CC and i will be going to the east to meet my friend for awhile..Gotta go to sleep good night everyone....Sarah is grumbling in the bedroom gonna check her up..

Thursday, July 15, 2010

Damn it

Cannot get to sleep...Feel so angry and pissed off ,not going to stated everything here..Just summarize
My Dinner for today ( if i dun want to eat this rest of my lives i better dun believe people ANYHOW)


I dun know why the outcome of helping a person will make me feel so fcuking angry,although is not a very HUGE amount But than if i can keep that money for myself today i will not asking & borrowing money from my friend...Got money like no money...I know money will never drop on the sky and i simply also not very happy with my job but than i still have to work for the sake of the children and this family...Although i have so many grumble of this job but than what i can do..Borrowing money is not a very big deal but than if somehow know that this fellow used the money to bet on soccer and just entertain us with that money and say just use for our expenses first..

Have a friend we had done OUR PART,come our house use internet and coming up without notice we doesn't say anything doesn't mean we don't mind just that as FRIEND we doesn't want to be SO 计较....But than not to this extend...TOO MUCH

Friday, July 9, 2010

Post 144(ii)

Early morning cam whoring cos still to early to bring 2 precious to school....


Yippe is friday again so happy can sleep more and doesn't need to wake up early in the morning..Tell u i was so tired ever since start to work and bring 2 precious to school and than go off to work see the 2 and half slope i have to push the pram with 2 precious in every morning haven't start work i start to be exhausted and sweat..
(Look below the two photo )
I have to push the pram up and than turn left ( i really hate slope nowadays)
The first slope i will be passing through every morning
( i always have to take a deep breathe and walk as fast as i can to reach the smooth pathway btw is a small park for the people to jog or play football at the court) .....

No matter how tired ,whenever i bring 2 precious from school i will be happy cos bringing them back is more easier and they will be happy and keep turning back and entertain me..

Another Good new is that my hubby finally confirmed by his company that mean he has a more stable job and more stable income..Dun really wish for more just hope Hubby can get his car license by this end of this year ..:)

Thursday, July 8, 2010

The very first insurance i decided for my 2 precious :)


AIA Star Shield

Accidents were the number one cause of hospitalisation
in Singapore in 2008*

Certain illnesses and accidents are more prevalent among children than adults, so AIA Star Shield has been designed to offer enhanced protection for your precious little ones. This plan should not be considered as an alternative to a basic medical expense reimbursement plan (such as AIA HealthShield Gold Elite), but provides additional protection against such incidents as Hand, Foot & Mouth Disease, Dengue Fever, Food Poisoning, and 17 Child Critical Illnesses (an optional benefit). The plan also offers cash payouts in the event of accidental death or dismemberment, and provides an educational bursary in the event of accidental death of the parent policyholder.

Benefits

AIA Star Shield offers you three flexible plans to choose from. The benefits shown below represent coverage provided under AIA Star Shield plan 3 which provides a basic Insured Amount of S$35,000 for Accidental Death or Dismemberment.

Coverage for Accidental Death or Dismemberment
In the event of an accident which results in Accidental Death or Dismemberment the plan pays out a percentage of the S$35,000 Insured Amount, up to 150% (i.e. up to S$52,500). Payouts for accidents of this type may be doubled (i.e. up to S$105,000) if the accident occurs during school activities, or as a result of a traffic accident where the Insured is a pedestrian or a passenger on public transportation.

Receive reimbursement for your child’s medical expenses
Should your child require medical treatment due to accident, Hand, Foot & Mouth Disease, Dengue Fever, or Food Poisoning you may claim reimbursement for medical expenses incurred within a year from the date of the accident or diagnosis of disease up to a maximum of S$3,500.

Additional daily cash upon hospitalisation
The plan also provides a payout of S$80 a day for up to 180 days in the event your child is hospitalised due to Accident or upon diagnosis of a Disease. The benefit payable is doubled for up to 30 days should your child be admitted to Intensive Care Unit.

Monthly cash allowance to care for your child
If your child should suffer a Catastrophic Disability1 due to injury within 180 days from the date of an accident, you may receive S$1,500 per month for up to 20 years to help you cope with the additional costs of caring for your loved one. This benefit is payable after six consecutive months of disability.

Education Assurance
The plan provides your child with an educational bursary benefit of S$20,000 in the event of the accidental death of the parent policyholder before the child’s 21st birthday (or 24th birthday in the event the child is studying full time at a recognised institution of Higher Learning).

Optional coverage for 17 Critical Illnesses
Enhance your child’s protection with Child Critical Illness coverage of S$10,000. Child Critical Illness benefit is payable as a lump sum upon diagnosis. Your child will remain eligible to receive this benefit until he or she reaches 21 years of age.


Every month just to pay not more than $10 and just in case anything happen to our own children..If u are interested and no AIA agent to engage i can recommend the agent that i had sign this insurance from her..Not being pay or helping AIA to promote JUST SIMPLY SHARING :)


Just to share with the mummies who pregnant from earliest 18 weeks..



Copy up this page from prudential website just to let parent -to-be to know their is this insurance when mummies is pregnant (earliest in 18wks) there is this insurance can covered INCASE there is some complication in the pregnancy or etc :



We understand you want to protect your child before he is born.

The First Gift that Begins from Within
The first and only offering of its kind in Singapore, PRUfirst gift provides guaranteed protection1 for your child even while he or she is still in the womb2.


No other plan begins this early
PRUfirst gift protects your yet-to-be-born baby and the expectant mother, immediately upon policy inception, and from as early as 18 weeks into pregnancy. It also helps you give your child a real head start in life even before he or she is born-and plan for his or her future protection needs. Best of all, it also offers you the flexibility to provide for your child's education and savings needs through investment



Key Features

  • Offers protection and the flexibility to provide for your child's education and savings needs through investment
  • Covers expectant mother against possible Pregnancy Complications3 as well as Death, Terminal Illness and Disability1 before childbirth
  • Covers newborn against selected Congenital Illnesses6 as well as Death, Disability and Terminal Illness1, 4
  • Offers selected Hospital Care Benefits5 to the newborn
  • Add on supplementary benefits to your child’s plan within 12 months of his or her birth and enjoy a one-time 20% discount off the first-year premiums7.
  • For those expecting twins, covers both babies against selected Pregnancy Complications3 and offers both newborns selected Congenital Illnesses6 and Hospital Care Benefits5

A Gift Pack8 For Your Newborn

Notify us of your child's birth and you can look forward to receiving an exclusive gift pack8 (inclusive of an OMRON digital thermometer and other complementary vouchers).


^ Terms and conditions apply
Footnotes:
1
Upon informing us of the birth of the child, the Mother's PRUlink protection account coverage will cease and the child's PRUlink protection account coverage will commence from the date of birth of the child. We will also automatically include Crisis Cover Provider III to the child's PRUlink protection account policy. The PRUlink protection account will terminate upon the expiry of 60 days from the Estimated Due Date of the child if you have not notified us of the birth of the child at that time. We will require evidence of good health if you notify us after 60 days from the date of birth of the child.
2
The life assured (expectant mother) must be between ages 19 to 45 next birthday and between 18 to 32 weeks of pregnancy.
3
For Pregnancy Complications Benefit, we pay $5,000 upon the diagnosis of any one of the covered pregnancy complications. For the Death of foetus coverage, there is a waiting period of 14 days from the inception date of your policy. This benefit will terminate upon the payment of the sum assured, or when the child is born, whichever is earlier.
4
Benefits for the child's PRUlink protection account coverage will be reduced if Death and Terminal Illness occur when the child is age 30 days and below, and for Disability and Critical Illness, the benefits will be reduced when the child is below age one. Please refer to your policy documents for the exact terms and conditions on "Termination of Policy". Death, Terminal Illness and Disability benefits do not terminate at age 2.
5
Hospital Care Benefit, is only payable if the child is hospitalised in Singapore or Malaysia for the covered conditions. It will terminate upon the claim limit of $2,500 per life is reached or when the child reaches the age of 2, whichever is earlier.
6
For Congenital Illness Benefit, we pay $5,000 if your child is diagnosed by a registered medical practitioner as having any one of the covered congenital illnesses. The child must be diagnosed with Congenital Illness within two years from the date of delivery and the child must survive at least 30 days from the date of delivery with congenital illness. This benefit will terminate upon the payment of sum assured or when child reaches the age of 2, whichever is earlier.
7
You must add the supplementary benefit(s) within 12 months from the birth of your child. We provide this one-time discount of 20% for a maximum total yearly premium of $1,000. The list of supplementary benefits eligible for discount will be determined by Prudential Singapore and is subject to change without prior notification.
8
Prudential Singapore reserves the right to change the Newborn Gift Pack with items of equivalent value without prior notification. To enjoy the Newborn Gift Pack, Prudential Singapore must be notified of the child's birth within 60 days from the child's date of birth.
9 The premium is based on a female non-smoker, age 30 on her next birthday.
10 Prudential Singapore reserves the right to vary the monthly adminstration and assurance charges for the basic benefits of the Death, Total and Permanent Disability, Terminal Illness and Crisis Cover Provider III. However, we will give you 30 days written notice before doing so.
11 Please refer to the PRUlink protection account policy document for exact terms and conditions.
12 For Death Benefit of PRUmum2be, we pay $5,000 if the mother dies during the term of the PRUmum2be policy. In that event, the Pregnancy Complications Benefit automatically terminates while the other benefits under PRUmum2be continue. The Death benefit will terminate upon the payment of the sum assured or on the third policy anniversary, whichever is earlier.
13 Investments are subject to investment risks including the possible loss of the principal amount invested. The value of the units may fall as well as rise.
14 For twins, we will pay the applicable sum assured for each twin in accordance to the covered benefits.

How it works

PRUfirst gift cares for your bundle of joy through two plans that provides seamless protection for both mother and baby, namely PRUmum2be and PRUlink protection account.

PRUmum2be, which covers the expectant mother against pregnancy complications3 and the unborn baby against congenital illnesses6, and,PRUlink protection account (PPA), a protection and investment plan for the newborn.





PRUfirst gift 1 PRUfirst gift 2 PRUfirst gift 3
Sum Assured


PRUmum2be $5,000 $5,000 $5,000
PRUlink protection account $100,000 $200,000 $300,000
Premium payable


PRUmum2be
(Single premium9)
$320 $320 $320
PRUlink protection account
(Monthly Premium10)
$100+ $200+ $300+
+Premium is also available in quarterly, half yearly or annual mode

Benefits of PRUfirst gift
Enjoy Guaranteed Issurance Benefit1 (for the child) and Enhancement Benefit7, plus the following:
PRUmum2be PRUlink protection account11
  • Death Benefit12 (mother)
  • Pregnancy Complications3
  • Congenital Illnesses6
  • Hospital Care Benefit5
  • Death1, 4
  • Terminal Illness1, 4
  • Total and Permanent Disability1, 4
  • Crisis Cover Provider III1, 4 (child)
  • Potential investment returns13
  • Flexibility to adjust coverage to suit different life stages and needs of your child

Types of Pregnancy Complications3, 14 :
  • Disseminated Intravascular Coagulation
  • Death of Foetus3
  • Pre-Eclampsia or Eclampsia
  • Fatty Liver of Pregnancy
  • Amniotic Fluid Embolism
  • Abruptio Placentae
  • Postpartum Haemorrhage requiring Hysterectomy

Types of Congenital Illnesses6, 14 :
  • Down's Syndrome
  • Spina Bifida
  • Tetralogy of Fallot
  • Transposition of Great Vessels
  • Atrial Septal Defect
  • Absence of Two Limbs
  • Anal Atresia
  • Infantile Hydrocephalus
  • Cleft palate / cleft lip
  • Cerebral Palsy
  • Ventricular Septal Defect
  • Club Foot
  • Congenital Dislocation of Hip
  • Congenital Blindness
  • Congenital Deafness
  • Congenital Diaphragmatic Hernia
  • Retinopathy of Prematurity

Please refer to the policy document for the exact terms and conditions for Pregnancy Complications and Congenital Illness Benefit.


Footnotes:
1
Upon informing us of the birth of the child, the Mother's PRUlink protection account coverage will cease and the child's PRUlink protection account coverage will commence from the date of birth of the child. We will also automatically include Crisis Cover Provider III to the child's PRUlink protection account policy. The PRUlink protection account will terminate upon the expiry of 60 days from the Estimated Due Date of the child if you have not notified us of the birth of the child at that time. We will require evidence of good health if you notify us after 60 days from the date of birth of the child.
2
The life assured (expectant mother) must be between ages 19 to 45 next birthday and between 18 to 32 weeks of pregnancy.
3
For Pregnancy Complications Benefit, we pay $5,000 upon the diagnosis of any one of the covered pregnancy complications. For the Death of foetus coverage, there is a waiting period of 14 days from the inception date of your policy. This benefit will terminate upon the payment of the sum assured, or when the child is born, whichever is earlier.
4
Benefits for the child's PRUlink protection account coverage will be reduced if Death and Terminal Illness occur when the child is age 30 days and below, and for Disability and Critical Illness, the benefits will be reduced when the child is below age one. Please refer to your policy documents for the exact terms and conditions on "Termination of Policy". Death, Terminal Illness and Disability benefits do not terminate at age 2.
5
Hospital Care Benefit, is only payable if the child is hospitalised in Singapore or Malaysia for the covered conditions. It will terminate upon the claim limit of $2,500 per life is reached or when the child reaches the age of 2, whichever is earlier.
6
For Congenital Illness Benefit, we pay $5,000 if your child is diagnosed by a registered medical practitioner as having any one of the covered congenital illnesses. The child must be diagnosed with Congenital Illness within two years from the date of delivery and the child must survive at least 30 days from the date of delivery with congenital illness. This benefit will terminate upon the payment of sum assured or when child reaches the age of 2, whichever is earlier.
7
You must add the supplementary benefit(s) within 12 months from the birth of your child. We provide this one-time discount of 20% for a maximum total yearly premium of $1,000. The list of supplementary benefits eligible for discount will be determined by Prudential Singapore and is subject to change without prior notification.
8
Prudential Singapore reserves the right to change the Newborn Gift Pack with items of equivalent value without prior notification. To enjoy the Newborn Gift Pack, Prudential Singapore must be notified of the child's birth within 60 days from the child's date of birth.
9 The premium is based on a female non-smoker, age 30 on her next birthday.
10 Prudential Singapore reserves the right to vary the monthly adminstration and assurance charges for the basic benefits of the Death, Total and Permanent Disability, Terminal Illness and Crisis Cover Provider III. However, we will give you 30 days written notice before doing so.
11 Please refer to the PRUlink protection account policy document for exact terms and conditions.
12 For Death Benefit of PRUmum2be, we pay $5,000 if the mother dies during the term of the PRUmum2be policy. In that event, the Pregnancy Complications Benefit automatically terminates while the other benefits under PRUmum2be continue. The Death benefit will terminate upon the payment of the sum assured or on the third policy anniversary, whichever is earlier.
13 Investments are subject to investment risks including the possible loss of the principal amount invested. The value of the units may fall as well as rise.
14 For twins, we will pay the applicable sum assured for each twin in accordance to the covered benefits.

Who can apply

  • Expectant mothers (life assured) aged between 19 to 45 next birthday and between 18 to 32 weeks of pregnancy.
Benefits:

Footnotes:
1
Upon informing us of the birth of the child, the Mother's PRUlink protection account coverage will cease and the child's PRUlink protection account coverage will commence from the date of birth of the child. We will also automatically include Crisis Cover Provider III to the child's PRUlink protection account policy. The PRUlink protection account will terminate upon the expiry of 60 days from the Estimated Due Date of the child if you have not notified us of the birth of the child at that time. We will require evidence of good health if you notify us after 60 days from the date of birth of the child.
2
The life assured (expectant mother) must be between ages 19 to 45 next birthday and between 18 to 32 weeks of pregnancy.
3
For Pregnancy Complications Benefit, we pay $5,000 upon the diagnosis of any one of the covered pregnancy complications. For the Death of foetus coverage, there is a waiting period of 14 days from the inception date of your policy. This benefit will terminate upon the payment of the sum assured, or when the child is born, whichever is earlier.
4
Benefits for the child's PRUlink protection account coverage will be reduced if Death and Terminal Illness occur when the child is age 30 days and below, and for Disability and Critical Illness, the benefits will be reduced when the child is below age one. Please refer to your policy documents for the exact terms and conditions on "Termination of Policy". Death, Terminal Illness and Disability benefits do not terminate at age 2.
5
Hospital Care Benefit, is only payable if the child is hospitalised in Singapore or Malaysia for the covered conditions. It will terminate upon the claim limit of $2,500 per life is reached or when the child reaches the age of 2, whichever is earlier.
6
For Congenital Illness Benefit, we pay $5,000 if your child is diagnosed by a registered medical practitioner as having any one of the covered congenital illnesses. The child must be diagnosed with Congenital Illness within two years from the date of delivery and the child must survive at least 30 days from the date of delivery with congenital illness. This benefit will terminate upon the payment of sum assured or when child reaches the age of 2, whichever is earlier.
7
You must add the supplementary benefit(s) within 12 months from the birth of your child. We provide this one-time discount of 20% for a maximum total yearly premium of $1,000. The list of supplementary benefits eligible for discount will be determined by Prudential Singapore and is subject to change without prior notification.
8
Prudential Singapore reserves the right to change the Newborn Gift Pack with items of equivalent value without prior notification. To enjoy the Newborn Gift Pack, Prudential Singapore must be notified of the child's birth within 60 days from the child's date of birth.
9 The premium is based on a female non-smoker, age 30 on her next birthday.
10 Prudential Singapore reserves the right to vary the monthly adminstration and assurance charges for the basic benefits of the Death, Total and Permanent Disability, Terminal Illness and Crisis Cover Provider III. However, we will give you 30 days written notice before doing so.
11 Please refer to the PRUlink protection account policy document for exact terms and conditions.
12 For Death Benefit of PRUmum2be, we pay $5,000 if the mother dies during the term of the PRUmum2be policy. In that event, the Pregnancy Complications Benefit automatically terminates while the other benefits under PRUmum2be continue. The Death benefit will terminate upon the payment of the sum assured or on the third policy anniversary, whichever is earlier.
13 Investments are subject to investment risks including the possible loss of the principal amount invested. The value of the units may fall as well as rise.
14 For twins, we will pay the applicable sum assured for each twin in accordance to the covered benefits.

Your PRUfirst gift plan will not be valid if the birth of the child takes place before the issuance of this plan.

This website is for reference only and not a contract of insurance. Please refer to the exact terms and conditions, specific details and exclusions applicable to this insurance in the policy document that can be obtained from a Prudential Financial Consultant.

Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and the surrender value payable may be less than the total premiums paid.

Investments are subject to investment risks including the possible loss of the principal amount invested. The value of the units may fall as well as rise.

Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. You are recommended to seek advice from a qualified Financial Consultant for a financial analysis before purchasing a policy suitable to meet your needs.

Information correct as at 15 June 2010.



* I not pay or helping the Prudential to promote just that i think noone want something happen in their pregnancy but than we will never predict in life just buy to play safe..I am just simply sharing to those who came in and read my blog and helped me to click on my ads..If good things i just love to SHARE


Will be posting another post the insurance brought from AIA that shiyim had recommend me for my 2 precious :) suitable for children who in chilcare or start to go to nursery and etc ...



Post 144(i)



Since today i have free time in the afternoon so i will upload some photo and let the photo do the speaking===>

Monday morning kelly came over to find me and brought her to POSB to make a personal account and she accompany to bugis and she went to JB to look for her friend and i go down kkh myself for my implagnon appointment...

This time round is precious and me taking photo cos sarah was sick and she was resting in the bed...my cam whoring @ home ,in the bus and etc....

Saturday, July 3, 2010

Our weekend...

Saturday was great for 3 of us...Early in the morning 7 plus,2 precious wake up and make noise..Two of them playing with each other and than mikkiel start crying than sarah pat my butt to wake me up..SO i have to wake up and make milk for them...(My everyday routine) while they drinking their milk i am preparing the ingredient and start to boil soup for today..Go into my room and saw them went back to sleep so i start to do some housechores and start to cook for them...Was yawning on and off cos i thought i can sleep slightly longer cos today is Saturday mah....They are well- behaved today but than when daddy is back sarah went back to herself again...Now 2 precious is in their lala land and i going to join them soon...

while the OPENNET worker is installing the cablepoint ,sarah and i start our Camwhoring..
See mikkiel was so happy,feel disappointed cannot bring them to the playground cos is raining..





Last week, while working and have so free time ask kelly help me to take a photo of me with the company apron..Alway grumbling with friend about how not good the company treat the part timer lol...Until now i still dun know which date is my salary date...Didn't encounter this problem before lol..Should be the one who interview me have to tell me izzn't it ..I dun like to ask about salary just i do my job and than the company have to do their job to give me the salary on the dot..Monday not working have a kk appointment in the afternoon with the gynae..(dun need to guess i not pregnant just to check on my implagnon that all :) Recently i addicted back on fb games and i have a problem once i sit on the computer chair i need a few hours to let my butt out of the chair when 2 precious fall asleep ..Have to stop have to get something to munch munch...Feeling bloated my da yi ma is on the way..haiz