PRUearly stage disability

We understand you want reassurance when simple things in life gets tough.

Sometimes unexpected twists in life may affect your ability to perform some of the simplest tasks, such as walking, seeing clearly, sitting and rising from a chair, communicating, lifting and carrying and removing tablets from a pack.

Early Stage Disability is Singapore's first and only insurance policy that covers you against partial and temporary disablement, as a result of an illness or injury, based on your ability to carry out daily tasks affecting your quality of life. These tasks are Quality of Life Conditions (QLC) which can potentially have a major impact on your lifestyle - and probably your finances. Early Stage Disability starts to provide payout if one is unable to perform at least 2 of the 6 Quality of Life Conditions (QLC), which will affect your quality of life1.

This plan provides comprehensive coverage with Partial or Full Payout2 on selected early disabilities. It also covers you for Total and Permanent Disability2 and disabilities as a result of selected hazardous activities under the Special Risk benefit2 , Upon the first claim made under Partial Payout2, the future premiums will be waived so you can concentrate on recovery. For PRUearly stage disability (standalone plan)3, a benefit of $3,000 is payable in the event of death.

Benefits^

Key Benefits

The first Partial Payout2 of 50% of sum assured4 when you satisfy 2 out of 6 Quality of Life Conditions1 (QLC) as a result of an illness or injury - Walking, Fine Hand Control, Sitting and Rising from a chair, Lifting and Carrying, Communicating and Eyesight - you'll find comfort in lump sum payout2 of 50% of the sum assured4. (Refer to definition of QLCs)

Remaining 50% of sum assured4 payable if the condition deteriorates, such that a 3rd Quality of Life Conditions1 becomes a difficulty, the balance of the 50% sum assured4 will be paid, so you can concentrate on getting back to your life.

  • After the first Partial Payout2, rest assured that all future premiums will be waived
  • Upon Total and Permanent Disability, be rest assured that you are well covered with a 100% payout2 to help you to cope7
  • Receive an 20% payout2 of the sum assured4 subject to a maximum of $20,000 when you satisfy any of the 3 out of 6 Quality of Life Conditions1 from selected hazardous activities like scuba diving, rock climbing, sky diving or while serving National Service8
  • Continue to be protected till age 70 at next birthday9
  • Available as a standalone plan (PRUearly stage disability)3 or a supplementary benefit (Early Stage Disability) to your Prudential insurance plan
  • Also available as a supplementary benefit for children below the age of 15

 

^ Terms and conditions apply
Footnotes:
1 If the life assured is more than 15 years old as at the date of his disability and, as a result of illness or injury, satisfies any 2 or 3 of the Quality of Life Conditions under the covered benefits. We will honour the claim provided that any 2 or 3 of the Quality of Life Conditions are certified to be existing conditions suffered by the life assured at least 90 days after the confirmed diagnosis of the illness or injury directly leading up to the development of the relevant Quality of Life Conditions

If the life assured is between 28 days and 15 years old at date of disability, and is disabled as a result of illness or injury and is confined to a home, Hospital or other institutions requiring constant care and medical attention for the relevant stipulated period required under the covered benefits. Therefore, the Quality of Life Conditions will not be used.

2 Each benefit is subject to a deferment period prior to a claim being paid out. Deferment period varies accordingly to each benefit and is defined as the period between the confirmed diagnosis of illness or injury and the date of disability. Please refer to the product summary for details.
3 PRUearly stage disability is not available for sale to non-income earners such as housewives, home-maker, students and children.
4 In the case of a claim is made on a life assured below age 1 year, the claim payable would be 20% of the claimable sum assured under each disability benefit.
5 A claim under this section must be supported by evidence such as audiometric and sound threshold tests and that the condition has been investigated and is being managed by an Ear, Nose, Throat (ENT) specialist or a specialist in the relevant field.
6 A claim under this section must be supported by evidence that the condition has been investigated and is being managed by an ophthalmologist.
7 The total claims paid under the Partial Payout benefit, Full Payout benefit, Total and Permanent Disability benefit and Special Risk benefit shall not exceed the Early Stage Disability Benefit sum assured.
8 Please refer to the product summary for the full list of covered risks and activities.

Special Risk benefit pays out 20% of the sum assured subject to a maximum claim of $20,000, is payable only if the Early Stage Disability Benefit has not terminated and the total payout has not exceeded the sum assured.

9 For new policies, the minimum policy term is 5 years (for 5 year limited pay policies) or 10 years (for other policies). For Mid Term Add to existing policies, the minimum policy term is 6 years.
10 Premium rates (non guaranteed) will differ for standalone plans and will vary based on different occupational class, gender and age at entry.
11 Premium per day is based on annual premium divided by 365 days and rounded up to the nearest ten cents.
• Male non smoker, age 30 at next birthday is $203.00 per annum, for a coverage term of 40 years
• Female non-smoker, age 30 at next birthday is $239.50 per annum, for a coverage term of 40 years
• Male non smoker, age 40 at next birthday is $356.50 per annum , for a coverage term of 30 years
• Female non-smoker, age 40 at next birthday is $446.50 per annum, for a coverage term of 30 years

QLC

Quality of Life Conditions (QLC)

Walking The inability to walk more than 200m on a level surface continuously with or without aids and adaptations, within 5 minutes, because of breathlessness or severe pain.
Fine Hand Control The inability to remove 5 paracetamol pills from a blister pack within 60 seconds, using your hand(s) with or without aids and adaptations.
Sitting and Rising from chair The inability to sit and rise to a standing position from a wheelchair or chair (both with arms) of 40cm to 45cm in height without the help of another person.
Lifting and Carrying The inability to lift (from a bench height of 1m) and carry a 2kg weight for 10m and then placing it back down at bench height, with or without aids and adaptations.
Communicating5 As a result of an illness or injury, the inability to hear sounds of below 60 decibels in all frequencies of hearing or the inability to speak with sufficient clarity.
Eyesight6 When tested with visual aids, vision is measured at 6/60 or worse in one of the eyes using a Snellen eye chart.

 

Footnotes:
1 If the life assured is more than 15 years old as at the date of his disability and, as a result of illness or injury, satisfies any 2 or 3 of the Quality of Life Conditions under the covered benefits. We will honour the claim provided that any 2 or 3 of the Quality of Life Conditions are certified to be existing conditions suffered by the life assured at least 90 days after the confirmed diagnosis of the illness or injury directly leading up to the development of the relevant Quality of Life Conditions

If the life assured is between 28 days and 15 years old at date of disability, and is disabled as a result of illness or injury and is confined to a home, Hospital or other institutions requiring constant care and medical attention for the relevant stipulated period required under the covered benefits. Therefore, the Quality of Life Conditions will not be used.

2 Each benefit is subject to a deferment period prior to a claim being paid out. Deferment period varies accordingly to each benefit and is defined as the period between the confirmed diagnosis of illness or injury and the date of disability. Please refer to the product summary for details.
3 PRUearly stage disability is not available for sale to non-income earners such as housewives, home-maker, students and children.
4 In the case of a claim is made on a life assured below age 1 year, the claim payable would be 20% of the claimable sum assured under each disability benefit.
5 A claim under this section must be supported by evidence such as audiometric and sound threshold tests and that the condition has been investigated and is being managed by an Ear, Nose, Throat (ENT) specialist or a specialist in the relevant field.
6 A claim under this section must be supported by evidence that the condition has been investigated and is being managed by an ophthalmologist.
7 The total claims paid under the Partial Payout benefit, Full Payout benefit, Total and Permanent Disability benefit and Special Risk benefit shall not exceed the Early Stage Disability Benefit sum assured.
8 Please refer to the product summary for the full list of covered risks and activities.

Special Risk benefit pays out 20% of the sum assured subject to a maximum claim of $20,000, is payable only if the Early Stage Disability Benefit has not terminated and the total payout has not exceeded the sum assured.

9 For new policies, the minimum policy term is 5 years (for 5 year limited pay policies) or 10 years (for other policies). For Mid Term Add to existing policies, the minimum policy term is 6 years.
10 Premium rates (non guaranteed) will differ for standalone plans and will vary based on different occupational class, gender and age at entry.
11 Premium per day is based on annual premium divided by 365 days and rounded up to the nearest ten cents.
• Male non smoker, age 30 at next birthday is $203.00 per annum, for a coverage term of 40 years
• Female non-smoker, age 30 at next birthday is $239.50 per annum, for a coverage term of 40 years
• Male non smoker, age 40 at next birthday is $356.50 per annum , for a coverage term of 30 years
• Female non-smoker, age 40 at next birthday is $446.50 per annum, for a coverage term of 30 years

Premium Rates

Affordable Premiums at a glance for Early Stage Disability coverage
(Based on a sum assured of $50,000)

Life Assured, Occupation Class 1 Coverage Term Premium per day11
Male Non-Smoker, age 30 next birthday 40 years $0.60
Female Non-Smoker, age 30 next birthday 40 years $0.70
Male Non-Smoker, age 40 next birthday 30 years $1.00
Female Non-Smoker, age 40 next birthday 30 years $1.30

 

Footnotes:
1 If the life assured is more than 15 years old as at the date of his disability and, as a result of illness or injury, satisfies any 2 or 3 of the Quality of Life Conditions under the covered benefits. We will honour the claim provided that any 2 or 3 of the Quality of Life Conditions are certified to be existing conditions suffered by the life assured at least 90 days after the confirmed diagnosis of the illness or injury directly leading up to the development of the relevant Quality of Life Conditions

If the life assured is between 28 days and 15 years old at date of disability, and is disabled as a result of illness or injury and is confined to a home, Hospital or other institutions requiring constant care and medical attention for the relevant stipulated period required under the covered benefits. Therefore, the Quality of Life Conditions will not be used.

2 Each benefit is subject to a deferment period prior to a claim being paid out. Deferment period varies accordingly to each benefit and is defined as the period between the confirmed diagnosis of illness or injury and the date of disability. Please refer to the product summary for details.
3 PRUearly stage disability is not available for sale to non-income earners such as housewives, home-maker, students and children.
4 In the case of a claim is made on a life assured below age 1 year, the claim payable would be 20% of the claimable sum assured under each disability benefit.
5 A claim under this section must be supported by evidence such as audiometric and sound threshold tests and that the condition has been investigated and is being managed by an Ear, Nose, Throat (ENT) specialist or a specialist in the relevant field.
6 A claim under this section must be supported by evidence that the condition has been investigated and is being managed by an ophthalmologist.
7 The total claims paid under the Partial Payout benefit, Full Payout benefit, Total and Permanent Disability benefit and Special Risk benefit shall not exceed the Early Stage Disability Benefit sum assured.
8 Please refer to the product summary for the full list of covered risks and activities.

Special Risk benefit pays out 20% of the sum assured subject to a maximum claim of $20,000, is payable only if the Early Stage Disability Benefit has not terminated and the total payout has not exceeded the sum assured.

9 For new policies, the minimum policy term is 5 years (for 5 year limited pay policies) or 10 years (for other policies). For Mid Term Add to existing policies, the minimum policy term is 6 years.
10 Premium rates (non guaranteed) will differ for standalone plans and will vary based on different occupational class, gender and age at entry.
11 Premium per day is based on annual premium divided by 365 days and rounded up to the nearest ten cents.
• Male non smoker, age 30 at next birthday is $203.00 per annum, for a coverage term of 40 years
• Female non-smoker, age 30 at next birthday is $239.50 per annum, for a coverage term of 40 years
• Male non smoker, age 40 at next birthday is $356.50 per annum , for a coverage term of 30 years
• Female non-smoker, age 40 at next birthday is $446.50 per annum, for a coverage term of 30 years

Who can apply

  • PRUearly stage disability is available for someone age 16-60 next birthday
  • Early Stage Disability is available for someone age 1-60 next birthday

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Buying life insurance 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.

Buying health insurance that is 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.

Premiums are not guaranteed and may be adjusted based on future claims experience. The company reserves the right to vary the premiums at any time by giving 30 days’ notice to the policyowner before doing so.

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

The information contained on this website is intended to be valid in Singapore only and shall not be construed as an offer to sell or solicitation to buy or provision of any insurance product outside Singapore.

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Information is correct as at 27 May 2016.