PRUCrisis Cover Vantage

Enjoy peace of mind, come what may.

While you have achieved much in life and you and your family enjoy the benefits of success, there may be times when the unexpected happens.

Medical costs are escalating. If critical illness strikes, you need to ensure you have the upper hand for the best medical treatment right from the start so that you can focus on recuperating, without compromising on the lifestyle that you and your family are used to.

That is why we developed PRUCrisis Cover Vantage1 to supplement the PRUVantage suite of Wealth Management Products.

Features

  • High coverage2 of up to $3.6 million for Critical Illness
     
  • High payout of up to $500,000 for Early Stage Medical Conditions3
     
  • High coverage of up to $250,000 for selected diabetic complications4,5
     
  • High payout of up to $1 million for Intermediate Stage Medical Conditions6
     
  • Up to $1 million Accidental Death7 coverage
     
  • Future premiums are waived upon a successful Early or Intermediate Medical Condition claim

Claim Benefit

 

Early Stage
Medical Conditions3
50% of Sum Assured or $500,000,
whichever is lower

Intermediate Stage
Medical Conditions6
100% of Sum Assured or $1,000,000,
whichever is lower

Critical Illnesses 2

1 Moderately severe Alzheimer’s Disease or Dementia - Alzheimer’s Disease / Severe Dementia
2 - - Apallic Syndrome

3

Reversible Aplastic Anaemia

-

Aplastic Anemia

4

Bacterial Meningitis with full recovery

-

Bacterial Meningitis

5

Surgical removal of pituitary tumour or Surgery for subdural haematoma

-

Benign Brain Tumour

6

Loss of sight in one eye Optic Nerve Atrophy with low vision Blindness (Loss of Sight)

7

Coma for 48 hours Severe Epilepsy or Coma for 72 hours Coma

8

Keyhole coronary bypass
surgery or Coronary
Artery Arthrectomy
or Transmyocardial Laser
Revascularisation or
Enhanced External
Counterpulsation Device
Insertion

-

Coronary Artery By-pass Surgery

9

Partial loss of hearing or Cavernous sinus thrombosis surgery Cochlear implant surgery Deafness (Loss of Hearing)

10

Liver surgery Liver Cirrhosis End Stage Liver Failure

11

Severe Asthma or Insertion of a Veno-cava filter Surgical removal of one lung End Stage Lung Disease

12

Hepatitis with Cirrhosis

-

Fulminant Hepatitis

13

Cardiac pacemaker insertion or Pericardectomy Cardiac defibrillator insertion or Early Cardiomyopathy Heart Attack of Specified Severity

14

Percutaneous Valve Surgery

-

Heart Valve Surgery

15

HIV due to Assault, Organ Transplant or Occupationally Acquired HIV

-

HIV Due to Blood Transfusion and Occupationally Acquired HIV

16

Surgical removal of one kidney or Chronic Kidney Disease

-

Kidney Failure
17 - - Loss of Independent Existence

18

Loss of Speech due to neurological disease or neurological injury

-

Loss of Speech

19

Moderately severe burns

-

Major Burns

20

  • 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 Major Cancers

21

Facial reconstructive surgery or Spinal cord injury

-

Major Head Trauma

22

Small bowel transplant; or Corneal transplant

-

Major Organ / Bone Marrow Transplantation

23

Early Motor Neurone Disease

-

Motor Neurone Disease

24

Early Multiple Sclerosis

-

Multiple Sclerosis

25

Moderately severe Muscular Dystrophy

-

Muscular Dystrophy
26 - - Other Serious Coronary Artery Disease
27 - - Paralysis (Loss of Use of Limbs)

28

Moderately severe Parkinson’s Disease

-

Parkinson’s Disease
29 - - Poliomyelitis

30

Early Pulmonary Hypertension Secondary Pulmonary Hypertension Primary Pulmonary Hypertension

31

Early Progressive Scleroderma Progressive Scleroderma with CREST syndrome Progressive Scleroderma

32

Brain aneurysm surgery or Cerebral shunt insertion Carotid artery surgery Stroke
33 Minimally invasive surgery to Aorta or Large asymptomatic aortic aneurysm - Surgery to the Aorta
34 - - Systemic Lupus Erythematosus with Lupus Nephritis
35 Viral Encephalitis with full recovery - Viral Encephalitis

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Footnotes:
1 The applicant must be between age 16 to 65 next birthday for PRUCrisis Cover Vantage and age 21 to 65 next birthday for Crisis Cover Vantage Benefit.
2 For certain medical conditions, there is a waiting period of 90 days from the date of issue or reinstatement whichever
is later. If the life assured is diagnosed as having any one of the Critical Illnesses listed, we pay 100% of the PRUCrisis Cover Vantage policy / Crisis Cover Vantage Benefit sum assured, less any prior successful claim under the Early Stage Payout benefit and / or Intermediate Stage Payout benefit. After paying out this benefit, your PRUCrisis Cover Vantage policy / Crisis Cover Vantage Benefit terminates.
3 There is a maximum payout of $500,000 for the Early Stage Payout benefit for each life assured, across all the PRUCrisis Cover Vantage policy(ies) and / or Crisis Cover Vantage Benefit(s) that the life assured may have. Once the maximum payout limit is reached, this benefit terminates and no further payout will be made under this benefit against any of the PRUCrisis Cover Vantage policy and / or Crisis Cover Vantage Benefit that the life assured may have.
4 There is a maximum payout for each of the Special Benefit Medical Conditions mentioned above, for each life assured, across all the PRUCrisis Cover Vantage policy(ies) and / or Crisis Cover Vantage Benefit(s) that the life assured may have. We pay this benefit only once for each of the above two Special Benefit Medical Conditions, i.e. once for Angioplasty and other Invasive Treatment for Coronary Artery and once for Diabetic Complications.
5 Once a claim for Diabetic Complications is made, no further payout will be made under Diabetic Complications across all PRUCrisis Cover Vantage policy(ies) and / or Crisis Cover Vantage Benefit(s) that the life assured may have even if the maximum Diabetic Condition payout amount is not reached. Each covered diabetic complication has a maximum benefit payout amount which could be lower than $250,000.
6 There is a maximum payout of $1,000,000 for the Intermediate Stage Payout benefit for each life assured, across all the PRUCrisis Cover Vantage policy(ies) and / or Crisis Cover Vantage Benefit(s) that the life assured may have. Once the maximum payout limit is reached, this benefit terminates and no further payout will be made under this benefit against any of the PRUCrisis Cover Vantage policy and / or Crisis Cover Vantage Benefit that the life assured may have. Any Intermediate Stage Payout will less off any prior successful claim under the Early Stage Payout benefit. Once a claim for this benefit is paid, the Early Stage Payout benefit will also terminate.
7 The Accidental Death benefit is only payable if the Accidental Death occurs within 12 calendar months from the date of the Accident.

Notes:

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 the 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.