PRUearly stage crisis cover

We understand you want support right from the beginning

Should an illness 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 makes it easier for you to concentrate on a full recovery. The first policy of its kind to cover selected diabetic complications2, PRUearly stage crisis cover also offers additional reassurance with a $3,000 death benefit. Future premiums3 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), chronic kidney disease, dementia and severe asthma.
  • Waiver of all future premiums3 upon a successful claim under the 50% Severity Payout4.
  • Allow second claim if the medical condition1 deteriorate or a different medical condition1 occur after a claim on the 50% Severity Payout4 is made, PRUearly stage crisis cover will pay the balance of this benefit immediately after first claim5.
  • First insurance policy of its kind in Singapore to make payouts for selected diabetic complications2.
  • Offers a one time claim of 10% of the sum assured for Angioplasty and other Invasive Treatment for Coronary Artery2.
  • Juveniles are covered for an additional 8 medical conditions6, allowing up to 4 claims on different Juvenile Medical Conditions.

 

How it works

Adding coverage to your insurance plan

You can choose to purchase PRUearly stage crisis cover either as a standalone plan or as a supplementary benefit. As a supplementary benefit without any death benefit, Early Stage Crisis Cover can be attached to any of Prudential’s regular premium main plan, while Early Crisis Cover Limited Pay can be attached to selected limited pay main plans.

You can also add Early Crisis Cover Provider1,7 to your regular premium investment-linked plan by allowing charges for this coverage to be deducted from the units of your account.

 

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 Policy Term Premium per day8
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

 

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

 

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Footnotes:
1
The full list of benefits covered and their definitions may be found in the product summary that can be obtained from your Prudential Financial Consultant. For certain medical conditions, there is a waiting period of 90 days from the date of issue or reinstatement whichever is later. Survival period is applicable before a claim can be made.
2
There is a waiting period of 90 days from the date of issue or reinstatement whichever is later. Survival period is applicable before a claim can be made. We will only pay provided the policy is not terminated or fully claimed. A claim under the Special Benefit will not activate the premium waiver benefit nor reduce the sum assured of PRUearly stage crisis cover.
3
In the event Early Crisis Cover Provider is added, future assurance charges are waived after the first claim is made under the 50% Severity Payout.
4 In the case of a claim made on a life assured below age 1, the claim payable would be 20% of the claimable sum assured under the various Severity Payout. This is not applicable to Early Crisis Cover Limited Pay.
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 the same listed medical condition. The maximum claimable benefit combined under the 50% Severity Payout and 100% Severity Payout cannot exceed 100% of the sum assured.
6 Juvenile Medical Conditions are only covered under Early Crisis Cover Limited Pay.
7 To add this benefit to your regular premium investment-linked policy, your annualised premium for your investment-linked policy should be $1,800 and above.
8
Premium per day indicated for male, non-smoker, 30 years old, age next birthday, is based on a 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 a 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 a 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 a premium of $856.00 per annum divided by 365 days, for a policy term of 35 years.

 

Note:

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

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 Prudential Financial Consultant for a financial analysis before purchasing a policy suitable to meet your needs.

Premiums rates are not guaranteed and may be adjusted based on future claims experience.

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

In case of discrepancy between the English and Mandarin versions of this e-brochure, the English version shall prevail.

Information is correct as at 15 September 2014.