PRUtermplus advantage

We understand you want enhanced protection as you progress in your career

PRUtermplus advantage is offered to you exclusively at your place of employment. Through affordable premiums, you are assured of continual coverage for a period of 10 years as you progress in your career.


  • The assurance of a lump sum payout
    In the event of Death, Terminal Illness1 or Disability1, a lump sum payment of the sum assured will be provided to your loved ones.
  • Accidental Death Benefit
    Upon Accidental Death2, rest assured that your loved ones will receive a payout of the sum assured to help them cope with the sudden loss.
  • Accidental Hospital Care Benefits
    Get the care and treatment you need in the event of an accident. Our Accidental Daily Hospital Income2,3 covers up to $150 per day for hospitalisation4. If you are unable to return to work after hospitalisation4, the Post-hospitalisation Recuperation Benefit2,5 pays up to $300 for each week6 that you are certified to be unable to engage in your own occupation, business or activity.
  • Loyalty Benefit7
    As long as your PRUtermplus advantage policy remains active, you can look forward to a 10% discount on the first year premium when you purchase selected regular premium Prudential policies8 for yourself, your spouse or your child, upon major events9.
  • Enjoy No Claim Bonus
    If you have not made a claim10 in the first 5 years of the basic policy, the sum assured of the following benefits will be doubled from the 6th to 10th year of the policy:

    • Death
    • Accidental Death2
    • Accelerated Terminal Illness1
    • Accelerated Disability1
  • Enhance your plan to suit your needs
    PRUtermplus advantage also offers you the option to get protection against 36 critical illnesses by adding on Crisis Cover Advantage. Upon a successful claim11, you will receive a lump sum payout and your future PRUtermplus advantage premiums will be waived.

How it works

See table below for the right plan to suit your needs:
  Plan 1 Plan 2 Plan 3
Death $50,000 $100,000 $150,000
Accidental Death2 $50,000 $100,000 $150,000
Accelerated Terminal Illness1 $50,000 $100,000 $150,000
Accelerated Disability1 $50,000 $100,000 $150,000
Accidental Daily Hospital Income2,3 $50/day $100/day $150/day
Post-Hospitalisation Recuperation Benefit2,5 due to an accident $100/week $200/week $300/week
Crisis Cover Advantage(Optional) $25,000 $50,000 $75,000

Who can apply

  • Any person who is a full time employee and has attended a corporate marketing seminar conducted by a Prudential Financial Consultant or Representative at the premises of that person's workplace can apply
  • Applicants aged between 16 to 60 next birthday

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1 PRUtermplus advantage provides coverage against Accelerated Terminal Illness and Accelerated Disability during the term of the policy and before the anniversary of the policy on which the life assured will attain the age of 65. We will pay for either the Accelerated Terminal Illness or the Accelerated Disability Benefit but not both.
2 If the accidental death or injury is caused by a hazardous activity or sports conducted legally and under the supervision of a licensed organisation, the benefit payable will be reduced accordingly.
3 Accidental Daily Hospital Income benefit covers up to a maximum of 14 days per accident.
4 The hospitalisation must be due to an accident.
5 Post-Hospitalisation Recuperation benefit covers up to a maximum of 8 weeks per accident. This benefit will cease on the Policy Anniversary immediately before the life assured turns 65 years old.
6 If the disability does not extend for the full 7 days, we pay a pro-rated amount of the benefit.
7 The 10% discount is applicable before the expiry date of the policy and for a maximum of 2 new policies per event, up to a maximum of $10,000 annual premiums, including additional premiums for supplementary benefits. The new policies must be taken up within 3 months of the event.
8 Only applicable when signing up for PRUlife, PRUlife limited pay, PRUsave, PRUflexicash, PRUflexicash protection plus, PRUterm ascend, PRUmortgage, PRUmultiple crisis cover, PRUlink heritage account, PRUlink protection plus accountPRUaccident cover IIIPRUterm vantage (S$), PRUterm vantage (US$), PRUlink protection plus account under PRUfirst gift, PRUterm total refund, PRUearly stage crisis cover, PRUearly stage disability, PRUfracture care and PRUtermplus advantage. The list of eligible products is subject to change.
9 The major events include marriage, childbirth, adopting a child through legal means, divorce and death of a spouse.
10 A claim under Crisis Cover Advantage will not affect the No Claim Bonus.
11 A claim under Angioplasty and Other Invasive Treatment for Coronary Artery will not activate the Premium Waiver benefit.


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

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.

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.