IMPORTANT NOTICE: Our Prudential Customer Service Centre on the 1st Floor of Marina One, East Tower will be opened by appointment only, from 2 June 2020. To ensure your safety, we have put safe management measures in place. For more information on COVID-19 relief measures please click here.

IMPORTANT NOTICE: Prudential announced the roll out of PRUCare Package to provide cash benefits for those quarantined or hospitalised due to the COVID-19, as well as aid for SMEs whose businesses are affected by the disease. Find out more

LIA Critical Illnesses (CI) Framework 2019 : In accordance to LIA Critical Illness (CI) Framework 2019, Prudential Singapore’s policies purchased from 26 August 2020 will adhere to the updated list of critical illnesses definitions. For more information, speak to your Prudential Financial Consultant today.

PRUACCESS: In accordance with PDPC's Advisory Guidelines on the PDPA for NRIC and other National Identification numbers, we will no longer be using NRIC/passport numbers/FIN for login purposes from 1 Aug 2019. If you have yet to create a user ID, please click here.

Changes to the way you’ll receive your letters: From Aug-20, we'll begin sending letters such as payment and renewal notices, payout letters and more, digitally instead of via mail. Eligible customers will receive an SMS whenever there is an e-letter for you. For more info, please click here.

IMPORTANT NOTICE : As of 25 August 2020, we have updated our Privacy Notice which is available at our corporate website. Find out more here.


Prudential Innovates With Early Stage Disability Which Supports When Quality Of Life Conditions Are Affected

  • Early Stage Disability is the first plan in Singapore to offer early assistance and protection, as a result of an illness or injury, when quality of life conditions such as walking, fine hand control, sitting and rising from a chair, lifting and carrying, communicating and eyesight are affected
  • It supplements potential loss of income and offsets expenses incurred for recuperation

Singapore (14 February 2011)

Prudential Assurance Company Singapore (Pte) Limited (“Prudential Singapore”), one of Singapore’s leading life insurance companies achieves another first with the new Early Stage Disability which is the first insurance plan in Singapore that provides coverage against partial and temporary disablement based on one’s ability to carry out daily tasks.

Unforeseen twists in life may lead to the inability to perform the simplest tasks such as walking, seeing clearly, sitting and rising from a chair, communicating, lifting and carrying and removing tablets from a pack.* Prudential Singapore understands the physical and financial difficulties faced during this challenging time and is there to offer financial support to supplement the potential loss of income and extra expenses incurred to adapt to partial and temporary disability, such as some ongoing treatment and nursing expenses.

*Definitions of Quality of Life Conditions (QLC):
Walking The inability to walk more than 200m on a level surface continuously with or without aids and adaptations, within 5 minutes, because of breathlessness or severe pain.
Fine Hand Control The inability to remove 5 paracetamol pills from a blister pack within 60 seconds, using your hand (s) with or without aids and adaptations.
Sitting and Rising from chair The inability to sit and rise to a standing position from a wheelchair or chair (both with arms) of 40cm to 45cm in height without the help of another person.
Lifting and Carrying The inability to lift (from a bench height of 1m) and carry a 2kg weight for 10m and then placing it back down at bench height, with or without aids and adaptations.
Communicating As a result of an illness or injury, the inability to hear sounds of below 60 decibels in all frequencies of hearing or the inability to speak with sufficient clarity. A claim under this section must be supported by evidence such as audiometric and sound threshold tests and that the condition has been investigated and is being managed by an Ear, Nose and Throat (ENT) specialist or a specialist in the relevant field.
Eyesight When tested with visual aids, vision is measured at 6/60 or worse in one of the eyes using a Snellen eye chart. A claim under this section must be supported by evidence that the condition has been investigated and is being managed by an ophthalmologist.


“We recognise that people who are partially or temporarily disabled experience frustration from the inability to perform some of the simplest tasks. Additionally, the financial burden of expenses incurred from having to adapt to disabilities and paying for ongoing medical treatment, may take a toll on a person’s determination to recover, especially if he or she feels like a burden to family members,” said Mr. Tomas Urbanec, Chief Marketing Officer of Prudential Singapore.

“Prudential continues to make major strides in innovation as we deliver more high-value products that protect customers financially and to offer them peace of mind. We innovate by finding gaps in the market and developing products not offered at the moment. Having a deep understanding of our customers’ financial concerns has allowed us to design and enhance our comprehensive suite of products for maximum protection. The Early Stage Disability plan is able to provide protection for various stages of disability ranging from partial and temporary to total and permanent disability. We hope to ease the financial burdens our customers may experience, thereby enabling them to focus on recovering from disability and returning to an active life,” he added.

Additionally, Early Stage Disability provides the assurance of coverage for disabilities due to an injury as a result of selected hazardous activities or National Service under Special Risk benefit1. According to a 2007 report by the Sports Safety Committee, a team appointed by the Ministry of Community Development, Youth and Sports (MCYS) to review sports safety practices in Singapore, more people are participating in sports and exercise, which means that the number of sports-related injuries may be expected to rise as well. Early Stage Disability protects against selected sports-related injuries including high-risk sports activities like scuba diving, rock climbing and skydiving .

Early Stage Disability can be bought as a standalone plan or as a supplementary benefit attached to any regular premium Prudential main plan. For greater peace of mind, it is also available as a supplementary benefit to protect children below the age of 15.

Early Stage Disability adds to Prudential’s comprehensive suite of Accident & Health products. In October last year, the company launched Early Stage Crisis Cover, an innovative product that protects against a wide range of 70 different medical conditions and early stages of critical illnesses. It is the first policy of its kind in the industry to offer coverage for selected diabetes related complications. Together with PRUShield surgical and hospitalisation cover, Prudential now has a complementary range of Accident & Health products that offers protection for early stage illnesses, critical illnesses and also multiple crisis cover.


Additional key benefits of Early Stage Disability at a glance1:

  • Policyholder finds comfort in the 50% sum assured paid in a lump sum under Partial Payout benefit when one satisfies two out of six Quality of Life Conditions (QLC)
  • Remaining 50% of sum assured will be paid when a third Quality of Life Conditions becomes a difficulty
  • With the first lump sum payout of 50% of sum assured, future premiums on Early Stage Disability will be waived while enjoying the reassurance of continued disability coverage
  • One of the plans available in the market to provide longer disability protection till aged 70 ensuring you stay protected for the longer term.

1Terms and conditions apply


About Prudential Assurance Company Singapore (Pte) Limited

Prudential Singapore is one of the top life insurance companies in Singapore and is a wholly owned subsidiary of UK-based Prudential plc. As one of the market leaders in investment-linked plans, Prudential Singapore has over S$7.7 billion funds managed under PRULink funds as at 30 June 2010. With the dedicated team of approximately 3,600 financial consultants and over 600 employees, Prudential Singapore has been serving the needs of more than 600,000 policyholders with over 1.3 million policies for almost 80 years in Singapore.

Prudential Singapore is the first life insurer in Singapore named Asia's Life Insurance Company of the Year in 2000. Prudential Singapore won Gold Award in Reader’s Digest Trusted Brands for three consecutive years from 2007 to 2009. Most recently, Prudential Singapore also won the May Day Model Partnership Award 2009.


For media enquiries, please contact:

Lorraine Lee Robert
PR Manager
Prudential Assurance Company Singapore
Tel: +65 6228 5033

Laura Chew
Principal Consultant
Citigate Dewe Rogerson i.MAGE
Tel: +65 6530 7156