Analyse your life needs in detail and plan ahead for a brighter tomorrow.
PRUsmart lady II
We understand you want to take care of yourself through every chapter of life.
As a modern, independent woman, you make your own decisions about your well-being. After all, your health needs are different from those of men, and your life has many milestones that only a woman can understand and prepare for.
At Prudential, we understand this. That's why we now bring you PRUsmart lady II, a thoughtfully designed supplementary benefit that helps you take care of yourself, through all the important chapters of life.
|1||Life assured is coverd up to age 65 years at next birthday. The optional Maternity Risk Cover II is applicable to life assured up to age 45 years at next birthday.|
|2||Premium quoted is based on annual premium of $429 for a female age 25 next birthday for a 40-year term PRUsmart lady II with sum assured $25,000. The Premium of $1.20 per day is rounded up to the nearest $0.10.|
|3||Premium quoted us based on annual premium of $371.50 for a female age 25 next birthday for a 20-year term Maternity Risk Cover II with sum assured $10,000. The premium of $1.10 per day is rounded up to the nearest $0.10.|
|4||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 PruSmart Lady II, each covered female illness and medical procedure shall be payable once only. For Maternity Risk Cover II, each covered pregnancy complication and congenital illness shall be payable only once per pregnancy.The total sum assured payable for all benefits (except for neonatal hospital care) is subject to a lifetime limit of 100%.|
|5||There is a waiting period of 90 days or 10 months from the date of issue or reinstatement whichever is latest (depending on the benefit and cover). No benefit will be payable for events occurring before or within this waiting period (if any) or the survival of 30 days (if any).|
|6||For Congenital Illness Benefit, we pay $5,000 if your child is diagnosed by a registered medical practitioner as having any one of the covered congenital illnesses. The child must be diagnosed with Congenital Illness within two years from the date of delivery and the child must survive at least 30 days from the date of delivery with congenital illness. This benefit will terminate upon the payment of sum assured or when child reaches the age of 2, whichever is earlier.|
|7||Only applicable when signing up for PRUlife, PRUlife limited pay, PRUlife multiplier, PRUsave, PRUflexicash, PRUterm basic, PRUterm renewable, PRUmedical cash, PRUmortgage, PRUmultiple crisis cover, PRUlink protection plus account, PRUaccident cover, PRUterm vantage (S$), PRUterm vantage (US$), PRUlink protection plus account under PRUfirst gift, PRUterm total refund, PRUearly stage crisis cover and PRUearly stage disability. The list of eligible products is subject to change. The 15% first year premium discount is available for a maximum of two new policies per event and for a maximum total annual premium of $10,000 including additional premiums for supplementary benefits.|
|8||The significant events included are getting married, divorcing a spouse, delivering a baby, legally adopting a child and death of a spouse.|
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 these insurance products in the policy documents that can be obtained from your Prudential Financial Consultant.
In case of discrepancy between the English and Chinese versions of this e-Brochure, the English version shall prevail.
Information correct as of 1 July 2013.