PRUfracture care

We understand you want coverage against minor accidental injuries

PRUfracture care is designed to give you more comprehensive protection ranging from minor to major injuries resulting from accidents. PRUfracture care offers payouts for fractures, burns and dislocations to provide medical assistance and also cushions the impact of lifestyle readjustments, until you recover. The benefit includes payout for mobility aids1 or modifications to your home2 to assist in daily activities. As a standalone plan, a benefit of $3,000 is payable, in the event of death.

Benefits

  • Depending on the severity of fractures, burns and dislocations sustained, the payout will provide financial support for medical treatment and also other incidental expenses
     
  • Double the payout3 for severe fractures and burns If the injury is a result of an accident which occurs while travelling on public conveyance
     
  • Reimbursement for house fitting expenses2 and purchase or rental of mobility aids1 required as a result of the accident
     
  • If the fractures, burns and dislocations payout is at least 40% of sum assured, you may claim a Recovery Benefit of up to $1,000 for one hospitalisation per accident depending on the plan you have chosen
     
  • Covers you in event of accidental injury sustained while involved in high risk activities4 like scuba diving, rock climbing, wakeboarding and other activities when the fractures, burns and dislocations payout is at least 40% of sum assured
     
  • Enjoy preferential rates if you choose to purchase it as a supplementary benefit - Fracture Care PA

How it works

Affordable Premiums6 at a glance:
PRUfracture care (standalone plan)
Age as at next birthday Annual premiums
Occupation Class 1 Occupation Class 2
1 to 50 $180.00 $225.00
51 to 60 $230.00 $287.50
61 to 65 $310.00 $387.50

 

Choose from one of the available PRUfracture care plans5
Sum Assured / Benefits7 Plan 1 Plan 2 Plan 3 Plan 4
Fractures,Burns and Dislocations Benefit*
(Please refer to Benefit Schedule)
$25,000 $50,000 $75,000 $100,000
House Fitting Expenses Benefit2 (Per policy) Up to $2,500 Up to $5,000 Up to $7,500 Up to $10,000
Mobility Aid Benefit1 (Per accident) Up to $250 Up to $500 Up to $750 Up to $1000
Recovery Benefit
(One hospitalisation per accident)
$250 $500 $750 $1,000
Death Benefit
(Available in standalone product only)
$3,000 $3,000 $3,000 $3,000

Benefit Schedule

*Fractures, Burns and Dislocations (FBD) Benefit Schedule
Description Percentage of Sum Assured
A) Hip or Pelvis (excluding thigh or coccyx)
  1. Open Fracture of more than one bone 100%
  2. Open Fracture of one bone 50%
  3. Closed Fracture of more than one bone 25%
  4. Closed Fracture one bone 15%
B) Thigh or Lower Leg
  5. Open Fracture of more than one bone 60%
  6. Open Fracture of one bone 45%
  7. Closed Fracture of more than one bone 25%
  8. Closed Fracture one bone 15%
C) Elbows, Arm (including wrist but excluding Colles type fractures)
  9. Open Fracture of more than one bone 45%
10. Open Fracture of one bone 35%
11. Closed Fracture of more than one bone 20%
12. Closed Fracture one bone 15%
D) Colles type fracture of the lower arm8
13. Open Fracture 25%
14. Closed Fracture 10%
E) Skull
15. Fracture of the skull needing surgical Intervention 60%
16. Fracture of the skull not needing surgical Intervention 20%
F) Shoulder Blade, Rib(s), Knee cap, Sternum, Hand (excluding fingers and wrist), Foot (excluding toes or heel)
17. Open Fracture 30%
18. Closed Fracture 15%
G) Spinal Column (Vertebrae but excluding coccyx)
19. All compression fractures 40%
20. All spinous, transverse process of pedicle fractures 40%
21. Permanent Spinal Cord damage 40%
22. All vertebral fractures 15%
H) Lower Jaw
23. Open Fracture 25%
24. Closed Fracture 10%
I) Cheekbone, Clavicle, Coccyx, Upper Jaw, Nose, Toe(s), Finger(s), Ankle, Heel
25. Open Fracture of more than one bone 15%
26. Open Fracture of one bone 12%
27. Closed Fracture of more than one bone 4%
28. Closed Fracture one bone 2%
J) Burns: Second or third degree burns of-
29. At least 20% of body surface (third degree burns) 85%
30. At least 15% of body surface (third degree burns) 75%
31. At least 20% of body surface (second degree deep partial thickness burn) 50%
32. At least 9% of body surface (third degree burns) 30%
K) Dislocations requiring surgery under anesthesia9
33. Spine 35%
34. Back (Excluding slipped disc) 35%
35. Hip 25%
36. Knee (Left or right) 20%
37. Wrist (Left or right) 15%
38. Elbow (Left or right) 15%
39. Ankle (Left or right) 10%
40. Shoulder blade (Left or right) 10%
41. Collarbone 10%
42. Fingers (Left or right hand) 5%
43. Toes (Left or right foot) 5%
44. Jaw 5%
L) Internal Injuries
45. Internal injuries resulting in open abdominal or Thoracic Surgery 25%
46. Intracranial hemorrhage and/ or physical brain injury 25%

Note:
"Open Fracture" is a fracture where the broken bone(s) penetrate(s) the skin.
"Closed Fracture" is a fracture where the broken bone(s) do(es) not penetrate the skin.

Who can apply

  • Enjoy guaranteed acceptance5 of your application without the need of medical check-ups and declaration of health if you are aged between 1 to 65 years old as at your next birthday

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Important:
This is an Accidental Policy. No claims will be paid for any injury/ fracture/dislocation caused directly or indirectly by a medical condition, whether known or unknown (including but not limited to osteoporosis or bone disease) or its treatment.

Footnote:

1 Mobility Aid Benefit: We will reimburse you for the Reasonable and Customary expenses incurred on purchasing or renting Mobility Aid(s) that has/have been recommended by the attending physician. The expenses are incurred within 180 days from the date of the Accident. We will only pay for expenses that are not reimbursed by any law, government programme(s), private or charitable programme(s) or other insurance policies.
2 House Fitting Expenses Benefit: We will reimburse you, provided:
  1. Eligible Payout for the Accidental injury is for 40% or above of the sum assured as set out in the Fractures, Burns and Dislocations Schedule.
  2. The expenses are incurred within 180 days from the date of the Accident.
  3. A written certification has been issued by a practitioner from rehabilitative services or such similar medical professional recommending that House Fitting is reasonably necessary.
  4. We will only pay for expenses that are not reimbursed by any law, government programme(s), private or charitable programme(s) or other insurance policies.
3 Double Benefit Payout for Severe Fracture due to travelling in a Public Conveyance: We pay double Fractures, Burns and Dislocation benefit when the life assured sustains an Accidental Injury while travelling in a Public Conveyance AND the eligible payout is 40% and above.

“Public Conveyance” is a mode of transport which is available to the general public and which is used primarily to transport people from one point to another point in return for payment of a fare.

For an Accident where more than one of the circumstances described in the Double Benefit Schedule is met, we will pay the claim for only one of the benefits, whichever is the higher.

4 We will reduce the sum payable of all benefits either by 50% or 75% in the event that the Accidental Injury of the life assured is a result of participating in any of the listed activities. Please refer to your policy document for the exact list of covered activities and sum assured.
5 This product is available to Occupation Class 1, 2, 3 and 4. However, customers engaged in certain high risk occupations would not be offered coverage. Note that Plan 3 and 4 will not be offered to
  - Customers classified under Occupation class 3 and 4
  - Juveniles, Housewives, Retirees, Unemployed and Life Assured 61 Age Next Birthday and above at the point of application.
6 Premium rates will differ for standalone plans and will vary based on different occupational class and age at the time of entry.
7 If the life assured has made any PRUfracture care claims in the past and/or has more than one policy with us which provides the same benefits as those set out in the FBD Schedule, the cumulative claims payable under these policies cannot exceed 100% of the total sum assured of these policies or $100,000, whichever is lower. This is called the “Aggregate Limit”.

In the case where the total sum assured of all such policies held by the life assured exceed the set Aggregate Limit, we will cancel the policy(ies) with the excess sum assured (i.e. amount(s) above $100,000) and refund the premiums paid for the affected policy(ies) after adjusting for claims paid previously (if any) under these policy(ies).

The claims payable under PRUfracture care which you may have with us and which provide the same benefits as those set out in the FBD Schedule, cannot exceed $50,000, if the life assured, at the point of application of the PRUfracture care policy:
  - is a juvenile; is a housewife; is an unemployed; is a retiree; has an occupation that is classified as Class 3 or 4; or is 60 years old and above.

8 Colles type fracture of the lower arm refers to the Distal end radius fracture without ulna fracture.
9 Each benefit can be claimed once in a lifetime.

Note:

Buying a life insurance policy is a long-term commitment. This plan has no cash value.

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 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 this insurance product in the policy documents 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.

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

Information is correct as at 27 May 2016.