Early Stage Crisis Waiver

Focus on Recovery Without Worrying About Premium Payments

When critical illness occurs, you want to focus on recovery without worrying about your premium payments.

Add Early Stage Crisis Waiver1 and Crisis Waiver III2 to your main plan to waive your future premiums upon the diagnosis of Early3 or Intermediate Stage Medical Conditions and Critical Illnesses respectively.

Benefits

Benefits of Early Stage Crisis Waiver1

  • Waives your premiums of the covered benefits for 5 years upon the diagnosis of Early Stage Medical Conditions3 and allows a claim for a second time4. Upon the diagnosis of Intermediate Stage Medical Conditions, your premiums are waived for 10 years5.

Benefits of Crisis Waiver III2

  • Waives premium payments upon the diagnosis of any of the 35 listed Critical Illnesses.
     

Covered medical conditions:

Supplementary
Benefit*
Crisis Waiver III2 Early Stage Crisis Waiver1
  Critical Illnessess
(Full premium term waiver)
Early Stage Medical Conditions3
(Waiver of premium for 5 years)
Intermediate Stage Medical Conditions
(Waiver of premium for 10 years5)
1
Alzheimer’s Disease / Severe Dementia Moderately severe Alzheimer’s Disease or Dementia  -
2
Apallic Syndrome - -
3
Aplastic Anaemia Reversible Aplastic Anaemia -
4
Bacterial Meningitis Bacterial Meningitis with full recovery -
5
Benign Brain Tumour Surgical removal of pituitary tumour or Surgery for subdural haematoma -
6
Blindness
(Loss of Sight)
Loss of sight in one eye Optic Nerve Atrophy with low vision
7
Coma Coma for 48 hours Severe Epilepsy or Coma for 72 hours
8
Coronary Artery By-pass Surgery Keyhole coronary bypass surgery or Coronary Artery Arthrectomy or Transmyocardial Laser Revascularisation or Enhanced External Counterpulsation Device Insertion -
9
Deafness
(Loss of Hearing)
Partial loss of hearing or Cavernous sinus thrombosis surgery Cochlear implant surgery
10
End Stage Liver Failure Liver surgery Liver Cirrhosis
11
End Stage Lung Disease Severe Asthma or Insertion of a Veno-cava filter Surgical removal of one lung
12
Fulminant Hepatitis Hepatitis with Cirrhosis -
13
Heart Attack of Specified Severity Cardiac pacemaker insertion or Pericardectomy Cardiac defibrillator insertion or Early Cardiomyopathy
14
Heart Valve Surgery Percutaneous Valve Surgery -
15
HIV Due to Blood Transfusion and Occupationally Acquired HIV HIV due to Assault, Organ Transplant or Occupationally Acquired HIV -
16
Kidney Failure Surgical removal of one kidney or Chronic Kidney Disease -
17
Loss of Independent Existence - -
18 Loss of Speech Loss of Speech due to neurological disease or neurological injury -
19
Major Burns Moderately severe burns -
20
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
21
Major Head Trauma Facial reconstructive surgery or Spinal cord injury -
22
Major Organ / Bone Marrow Transplantation Small bowel transplant; or Corneal transplant -
23
Motor Neurone Disease Early Motor Neurone Disease -
24
Multiple Sclerosis Early Multiple Sclerosis -
25
Muscular Dystrophy Moderately severe Muscular Dystrophy -
26 Other Serious Coronary Artery Disease - -
27 Paralysis (Loss of Use of Limbs) - -
28
Parkinson’s Disease Moderately severe Parkinson’s Disease -
29 Poliomyelitis - -
30
Primary Pulmonary Hypertension Early Pulmonary Hypertension Secondary Pulmonary Hypertension
31
Progressive Scleroderma Early Progressive Scleroderma Progressive Scleroderma with CREST syndrome
32
Stroke Brain aneurysm surgery or Cerebral shunt insertion Carotid artery surgery
33
Surgery to the Aorta Minimally invasive surgery to Aorta or Large asymptomatic aortic aneurysm -
34 Systemic Lupus Erythematosus with Lupus Nephritis - -
35 Viral Encephalitis Viral Encephalitis with full recovery -

Note: Please refer to the respective policy document for the definition of the listed Medical Conditions. For certain Medical Conditions, there is a waiting period of 90 days from the date of issue or reinstatement, whichever is later.

*The waiver duration is up to your chosen age ranging from 55 to 85 years old for PRUlink protection plus account plan.

How it works

How the supplementary benefits help you

Early Stage Crisis Chart

Download Brochure

Footnotes:
1
Early Stage Crisis Waiver can only be attached if Crisis Waiver III is attached to the same policy. The maximum premium waiver period under the Early Stage Crisis Waiver Benefit is 10 years, after which the benefit terminates and premium payment for the covered benefits will resume. The waiver duration is subject to the remaining premium term of the covered benefits and up to age 85. The waiver duration is up to your chosen age ranging from 55 to 85 years old for PRUlink protection plus account plan.
2 Crisis Waiver III waives the future premiums of the covered benefis up to age 85. The waiver duration is up to your chosen age ranging from 55 to 85 years old for PRUlink protection plus account plan.
3
After the end of the Early Stage Premium Waiver Period, premium payment for the covered benefis will resume, but the premiums for the Early Stage Crisis Waiver will continue to be waived.
4
The second claim will waive the premium for another 5 years. This is provided the second claim is not for the same Medical Condition as the first claim, and it does not fall within the same category of the first Early Stage Medical Condition.
5
If there was a successful claim under Early Stage Medical Conditions, the Intermediate Stage Medical Conditions Benefit only waives 5 years of future premiums.

Note:

Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and the surrender value payable (if any) may be less than the total premiums paid. Investment products are subject to investment risks including the possible loss of the principal amount invested. The value of the units and the income accruing to the units (if any) may fall or rise.

Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. Premiums for some of the supplementary benefits 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.