PRUearly stage crisis cover

We understand you want support right from the beginning

Should a critical illness1 strike, the earlier it is diagnosed, the easier it is to manage and the higher the chances of a full recovery. PRUearly stage crisis cover offers financial support right from the early stages of critical illnesses1.

Covering a broad and extensive list of illnesses1, PRUearly stage crisis cover helps reduce the financial burden resulting from selected early stage critical illnesses1 - and make it easier for you2 to concentrate on a full recovery. The first insurance policy of its kind to cover selected complications arising from diabetes3, PRUearly stage crisis cover also offers additional reassurance with a $3,000 death benefit. Future premiums are waived after the first claim is made under the 50% Severity Payout4.

Benefits^

Key Benefits

  • Wide coverage with as many as 70 different medical conditions1 such as Cancer (at the non-invasive stage)3, chronic kidney diseases, severe asthma and severe Dementia
  • Waiver of all future premiums upon a successful claim under the 50% Severity Payout4
  • Allow second claim if the medical condition1 deteriorate or a different medical condition1 occur, PRUearly stage crisis cover will pay the balance of this benefit5
  • First insurance policy of its kind in Singapore to make payouts for selected diabetic complications3. A payout of 20% of the sum assured will be made upon diagnosis of one of the covered Diabetic complications3, up to a limit of S$30,000. Diabetic complications3 covered include Diabetic Retinopathy, Diabetic Nephropathy or amputation of part of limb due to gangrene
  • Offers a one time claim for Angioplasty and other Invasive Treatment for Coronary Artery of 10% of the Sum Assured, up to a maximum limit of S$15,000

 

PRUearly stage crisis cover is available as a standalone product (PRUearly stage crisis cover) or supplementary benefit (Early Stage Crisis Cover).

 

^ Terms and conditions apply
Footnotes:
1
The full list of insurance benefits covered and their definitions may be found in the product summary that can be obtained from your Prudential Financial Consultant. The maximum claimable benefit combined under the 50% Severity and 100% Severity cannot exceed 100% of the sum assured. For certain medical conditions, there is a waiting period of 90 days from the date of issue or reinstatement whichever is later.
2
The applicant must be between age 1 to 65 next birthday.
3
There is a waiting period of 90 days from the date of issue or reinstatement whichever is later. No benefit will be payable for events occurring before or within this waiting period or the survival period of 30 days from the date of diagnosis. For special benefit, we will only pay provided policy is not terminated or fully claimed.
4
In the case of a claim is made on a life assured below age 1, the claim payable would be 20% of the claimable sum assured under the various Severity Payout.
5
Once a claim has been made for a listed medical condition, the list of medical conditions covered would be reduced accordingly and the customer cannot make a repeat claim on same listed medical condition.
6
Premium per day indicated for male, non-smoker, 30 years old, age next birthday, is based on annual premium of $498.50 per annum divided by 365 days, for a policy term of 45 years. Premium per day indicated for female, non-smoker, 30 years old, age next birthday, is based on annual premium of $489.50 per annum divided by 365 days, for a policy term of 45 years. Premium per day indicated for male, non-smoker, 40 years old, age next birthday, is based on annual premium of $802.50 per annum divided by 365 days, for a policy term of 35 years. Premium per day indicated for female, non-smoker, 40 years old, age next birthday, is based on annual premium of $856.00 per annum divided by 365 days, for a policy term of 35 years.

How it works

Affordable Premiums at a glance for PRUearly stage crisis cover coverage
as a Standalone Plan (Based on a sum assured of $50,000)

 

Life Assured Premium Term Premium per day6
Male non-smoker age 30 years old at next birthday 45 years $1.37
Female non-smoker age 30 years old at next birthday 45 years $1.34
Male non-smoker age 40 years old at next birthday 35 years $2.20
Female non-smoker age 40 years old at next birthday 35 years $2.35

 

Footnotes:
1
The full list of insurance benefits covered and their definitions may be found in the product summary that can be obtained from your Prudential Financial Consultant. The maximum claimable benefit combined under the 50% Severity and 100% Severity cannot exceed 100% of the sum assured. For certain medical conditions, there is a waiting period of 90 days from the date of issue or reinstatement whichever is later.
2
The applicant must be between age 1 to 65 next birthday.
3
There is a waiting period of 90 days from the date of issue or reinstatement whichever is later. No benefit will be payable for events occurring before or within this waiting period or the survival period of 30 days from the date of diagnosis. For special benefit, we will only pay provided policy is not terminated or fully claimed.
4
In the case of a claim is made on a life assured below age 1, the claim payable would be 20% of the claimable sum assured under the various Severity Payout.
5
Once a claim has been made for a listed medical condition, the list of medical conditions covered would be reduced accordingly and the customer cannot make a repeat claim on same listed medical condition.
6
Premium per day indicated for male, non-smoker, 30 years old, age next birthday, is based on annual premium of $498.50 per annum divided by 365 days, for a policy term of 45 years. Premium per day indicated for female, non-smoker, 30 years old, age next birthday, is based on annual premium of $489.50 per annum divided by 365 days, for a policy term of 45 years. Premium per day indicated for male, non-smoker, 40 years old, age next birthday, is based on annual premium of $802.50 per annum divided by 365 days, for a policy term of 35 years. Premium per day indicated for female, non-smoker, 40 years old, age next birthday, is based on annual premium of $856.00 per annum divided by 365 days, for a policy term of 35 years.

Who can apply

  • Applicants must be aged between 1 to 65 next birthday.

 

Footnotes:
1
The full list of insurance benefits covered and their definitions may be found in the product summary that can be obtained from your Prudential Financial Consultant. The maximum claimable benefit combined under the 50% Severity and 100% Severity cannot exceed 100% of the sum assured. For certain medical conditions, there is a waiting period of 90 days from the date of issue or reinstatement whichever is later.
2
The applicant must be between age 1 to 65 next birthday.
3
There is a waiting period of 90 days from the date of issue or reinstatement whichever is later. No benefit will be payable for events occurring before or within this waiting period or the survival period of 30 days from the date of diagnosis. For special benefit, we will only pay provided policy is not terminated or fully claimed.
4
In the case of a claim is made on a life assured below age 1, the claim payable would be 20% of the claimable sum assured under the various Severity Payout.

Medical Conditions

Table: Medical Conditions covered under PRUearly stage crisis cover

Early Stage Medical Conditions
(50% Severity Payout)
Intermediate Stage Medical Conditions
(100% Severity Payout)
Critical Illnesses
(100% Severity Payout)
Moderately severe Alzheimer's Disease or Dementia - Alzheimer's Disease/ Severe Dementia
Reversible Aplastic Anaemia - Aplastic Anaemia
Bacterial Meningitis with full recovery - Bacterial Meningitis
Surgical removal of pituitary tumour or Surgery for subdural haematoma - Benign Brain Tumour
Loss of sight in one eye Optic Nerve Atrophy with low vision Blindness (Loss of sight)
Coma for 48 hours Severe Epilepsy for Coma for 72 hours Coma for 96 hours
Keyhole coronary bypass surgery or Coronary Artery Arthrectomy or Transmyocardial Laser Revascularisation or Enhanced External Counterpulsation Device Insertion - Coronary Artery By-pass Surgery
Partial loss of hearing or Cavernous sinus thrombosis surgery Cochlear implant surgery Deafness (Loss of hearing)
Encephalitis with full recovery - Encephalitis
Liver surgery Liver Cirrhosis End stage Liver Failure
Severe Asthma or insertion of a Veno-cava filter Surgery removal of one lung End stage of Lung Disease
Hepatitis with Cirrhosis - Fulminant Hepatitis
Cardiac pacemaker insertion or Pericardectomy Cardiac defibrillator insertion or Early Cardiomyopathy Heart Attack
Percutaneous Valve Surgery - Heart Valve Surgery
HIV due to Assault, Organ Transplant or Occupationally Acquired HIV - HIV Due to Blood Transfusion and Occupationally Acquired HIV
Surgical removal of one kidney or Chronic Kidney Disease - Kidney Failure
Loss of Speech due to neurological disease - Loss of Speech.
Moderately severe burns - Major Burns
- Carcinoma in situ of specified organs
- Early Prostate Cancer
- Early Thyroid Cancer
- Early Bladder Cancer
- Early Chronic Lymphocytic Leukaemia
- Early Melanoma
Carcinoma in situ of specified organs treated with Radical Surgery Major Cancers
Facial reconstructive surgery or Spinal cord injury - Major Head Trauma
Small bowel transplant; or Corneal transplant - Major Organ / Bone Marrow Transplantation
Early Motor Neurone Disease - Motor Neurone Disease
Early Multiple Sclerosis - Multiple Sclerosis
Moderately severe Muscular Dystrophy - Muscular Dystrophy
Moderately severe Parkinson's Disease - Parkinson's Disease
Early Pulmonary Hypertension Secondary Pulmonary Hypertension Primary Pulmonary Hypertension
Early Progressive Scleroderma Progressive Scleroderma with CREST syndrome Progressive Scleroderma
Brain aneurysm surgery or Cerebral shunt insertion Carotid artery surgery Stroke
Minimally invasive surgery to Aorta or Large asymptomatic aortic aneurysm - Surgery to the Aorta

 

Table: Medical conditions covered under Special Benefit

  Claimable percentage of sum assured Maximum limit
Angioplasty and other Invasive Treatment for Coronary Artery 10% $15,000
Diabetic complications include Diabetic Retinopathy, Diabetic Nephropathy or amputation of part of limb due to gangrene. 20% $30,000

 

Footnotes:
1
The full list of insurance benefits covered and their definitions may be found in the product summary that can be obtained from your Prudential Financial Consultant. The maximum claimable benefit combined under the 50% Severity and 100% Severity cannot exceed 100% of the sum assured. For certain medical conditions, there is a waiting period of 90 days from the date of issue or reinstatement whichever is later.
2
The applicant must be between age 1 to 65 next birthday.
3
There is a waiting period of 90 days from the date of issue or reinstatement whichever is later. No benefit will be payable for events occurring before or within this waiting period or the survival period of 30 days from the date of diagnosis. For special benefit, we will only pay provided policy is not terminated or fully claimed.
4
In the case of a claim is made on a life assured below age 1, the claim payable would be 20% of the claimable sum assured under the various Severity Payout.

Download Brochure

PRUearly stage crisis cover e-Brochure English

PRUearly stage crisis cover e-Brochure Chinese

 

Footnotes:
1
The full list of insurance benefits covered and their definitions may be found in the product summary that can be obtained from your Prudential Financial Consultant. The maximum claimable benefit combined under the 50% Severity and 100% Severity cannot exceed 100% of the sum assured. For certain medical conditions, there is a waiting period of 90 days from the date of issue or reinstatement whichever is later.
2
The applicant must be between age 1 to 65 next birthday.
3
There is a waiting period of 90 days from the date of issue or reinstatement whichever is later. No benefit will be payable for events occurring before or within this waiting period or the survival period of 30 days from the date of diagnosis. For special benefit, we will only pay provided policy is not terminated or fully claimed.
4
In the case of a claim is made on a life assured below age 1, the claim payable would be 20% of the claimable sum assured under the various Severity Payout.

Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high cost and the surrender value payable may be less than the total premiums paid. This is not a contract of insurance and reference should be made to the respective policies for the exact terms and conditions applicable to the insurance policy. Please refer to the exact terms, conditions, exclusions and specific details applicable to this insurance in the policy document that can be obtained from a Prudential Financial Consultant.

Premium rates are not guaranteed. These rates may be adjusted in the future at the Company's discretion. We will give 30 days' notice before the new premiums are charged.

Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. You should seek advice from a qualified Prudential Financial Consultant if in doubt.

Information correct as at 24 June 2011.