Early Crisis Multiplier Flex

Enjoy enhanced protection against the early stages of critical illness

When it comes to your family’s future, you can never leave anything to chance. Critical illness can occur at any stage of life. That is why, we offer you enhanced protection with Early Crisis Multiplier Flex.

As a supplementary benefit to PRUlife multiplier flex plan, it gives you multiplied coverage1 of up to 4 times for Early and Intermediate Stage Medical Conditions2.

So protect yourself and your family with greater coverage today.


  • Choice to multiply your coverage1 by 3 or 4 times, depending on your needs
  • Choice to have multiplied coverage1 up to age 65 or 70
  • Offers high payout for Early and Intermediate Stage Medical Conditions2
  • Covers 76 Early and Intermediate Stage Medical Conditions2
  • Helps you focus on recovery by reducing the financial burden with a premium waiver3 after the first claim4 of Early Stage Medical Condition
  • Choice of different premium payment terms5 of 10, 15, 20 or 25 years

How it works

Multiplier Benefit at a glance:

Plan Type Multiplier Benefit
Expiry Age
Multiplier Benefit+ for Early Crisis Multiplier Flex before the Multiplier Benefit Expiry Age
Early Crisis Multiplier Flex 65 3x 65 years 300%
Early Crisis Multiplier Flex 65 4x 65 years 400%
Early Crisis Multiplier Flex 70 3x 70 years 300%
Early Crisis Multiplier Flex 70 4x 70 years 400%

+ Multiplier Benefit is the relevant percentage of the sum assured.

Medical Conditions

List of covered Medical Conditions

Critical Illnesses Covered Under PRUlife multiplier flex Medical Conditions covered under
Early Crisis Multiplier Flex
  Early Stage Medical Conditions Intermediate Stage Medical Conditions
  1. Alzheimer’s Disease /
    Severe Dementia
Moderately severe
Alzheimer’s Disease or
  1. Aplastic Anaemia
Reversible Aplastic
Myelodysplastic Syndrome
or Myelofibrosis
  1. Bacterial Meningitis
Bacterial Meningitis
with full recovery
  1. Benign Brain Tumour
Surgical removal of
pituitary tumour or Surgery
for subdural haematoma
  1. Blindness
    (Loss of Sight)
Loss of sight in one eye Optic Nerve Atrophy
with low vision
  1. Coma
Coma for 48 hours Severe Epilepsy or
Coma for 72 hours
  1. Coronary Artery
    By-pass Surgery
Keyhole coronary bypass
surgery or Coronary
Artery Arthrectomy or
Transmyocardial Laser
Revascularisation or
Enhanced External
Counterpulsation Device
  1. Deafness
    (Loss of Hearing)
Partial loss of hearing
or Cavernous sinus
thrombosis surgery
Cochlear implant
  1. End Stage Liver
Liver surgery Liver Cirrhosis
  1. End Stage Lung
Severe Asthma or Insertion
of a Veno-cava filter
Surgical removal of
one lung
  1. Fulminant Hepatitis
Hepatitis with Cirrhosis
or Biliary Tract
Reconstruction Surgery
Chronic Primary
Sclerosing Cholangitis
  1. Heart Attack of
    Specified Severity
Cardiac pacemaker
insertion or
Cardiac defibrillator
insertion or Early
  1. Heart Valve Surgery
Percutaneous Valve
  1. HIV Due to Blood
    Transfusion and
    Acquired HIV
HIV due to Assault,
Organ Transplant
or Occupationally
Acquired HIV
  1. Kidney Failure
Surgical removal of one
kidney or Chronic Kidney
  1. Loss of Speech
Loss of Speech due to
neurological disease or
neurological injury or
Permanent or Temporary
  1. Major Burns
Moderately severe burns -
  1. Major Cancers
  • Carcinoma in situ of specified organs
  • Early Prostate Cancer
  • Early Thyroid Cancer
  • Early Bladder Cancer
  • Early Chronic Lymphocytic Leukaemia
  • Early Melanoma
  • Gastro-intestinal
    Stromal Tumour (GIST)
Carcinoma in situ of
specified organs treated
with Radical Surgery
  1. Major Head Trauma
Facial reconstructive
surgery or Spinal
cord injury
Intermediate Stage Major Head Trauma
  1. Major Organ /
    Bone Marrow
Small bowel transplant or
Corneal transplant
  1. Motor Neurone
Early Motor Neurone
Disease or Peripheral
  1. Multiple Sclerosis
Early Multiple Sclerosis Mild Multiple Sclerosis
  1. Muscular Dystrophy
Moderately severe Muscular
Dystrophy or Spinal Cord
Disease or Injury resulting
in Bowel and Bladder
  1. Other Serious
    Coronary Artery
Early Stage Other Serious
Coronary Artery Disease
Intermediate Stage Other
Serious Coronary
Artery Disease
  1. Paralysis (Loss of
    Use of Limbs)
Loss of Use of One Limb Loss of Use of One Limb
requiring Prosthesis
  1. Parkinson’s Disease
Moderately severe
Parkinson’s Disease
  1. Primary Pulmonary
Early Pulmonary
Secondary Pulmonary
  1. Progressive
Early Progressive
Progressive Scleroderma
with CREST syndrome
  1. Stroke
Brain aneurysm surgery or
Cerebral shunt insertion
Carotid artery surgery
  1. Surgery to the Aorta
Minimally invasive
surgery to Aorta or Large
asymptomatic aortic
  1. Systemic Lupus
    Erythematosus with
    Lupus Nephritis
Mild Systemic Lupus
  1. Viral Encephalitis
Viral Encephalitis with
full recovery
Moderate Viral Encephalitis with full recovery

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1 The Multiplier Benefit is the relevant percentage of the sum assured shown in the product summary. The selected Multiplier Benefit and its expiry age must be the same as that selected for PRUlife multiplier flex.
2 Early Stage and Intermediate Stage benefits payout under Early Crisis Multiplier Flex will reduce the PRUlife multiplier flex policy sum assured. If the sum assured of both PRUlife multiplier flex and Early Crisis Multiplier Flex is the same and a benefit payout for 100% of the sum assured from Early Crisis Multiplier Flex is made, the PRUlife multiplier flex policy and the Early Crisis Multiplier Flex benefit will terminate. A claim under the Crisis Multiplier Flex benefit within the PRUlife multiplier flex policy could result in either a reduction of sum assured or termination of Early Crisis Multiplier Flex.
3 Future premiums for Early Crisis Multiplier Flex will be waived after the first successful claim is made under the Early Stage Benefit and the claim does not pay out the full sum assured.
4 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. A claim on the Early and/or Intermediate Stage Benefit will reduce the sum assured of Early Crisis Multiplier Flex and PRUlife multiplier flex.
5 The premium payment term must be the same as PRUlife multiplier flex's premium payment term.


You are recommended to read the product summary and seek advice from a qualified Prudential Financial Consultant for a financial analysis before purchasing a policy suitable to meet your needs. 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.

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 for distribution 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 this brochure, the English version shall prevail.

Information is correct as at 20 January 2017.