You are eligible to enrol in the PRUSafe Gift if you are a full-time active employee of a company with an in-force Enterprise Business Policy with Prudential Singapore. You must also be a Singapore resident with a valid NRIC/FIN, between the age of 18 to 65 (age next birthday).
Each Eligible Member will only be incepted for one (1) PRUSafe Gift plan.
Spouse and dependants are not eligible for PRUSafe Gift. Only insured employees whose company has an active in-force group policy with Prudential are eligible.
The campaign is valid till 31 December 2026, limited to 2,000 policies on a first-come-first-served basis.
No payment is required as this policy is offered on a complimentary basis to eligible members.
Your coverage will commence from the date of successful enrolment of the policy, with a written confirmation from Prudential, for a period of six months.
You will receive the following via email:
- Acknowledgement email
- Certificate of Insurance & Policy Document
An “accident” is an unexpected and involuntary event, which directly causes death or injury by violent, external and visible means and is not linked to any other cause (such as illness or disease of the life assured).
During the coverage period, if the Insured Member is hospitalised for at least 3 consecutive days because of an injury resulting from an accident, we will pay S$50 for each day (24-hour period) the Insured Member is hospitalised. Under this benefit, we will also pay for hospitalisation at home under the Mobile Inpatient Care @ Home (MIC@Home) service by a Singapore restructured hospital.
We will only pay this benefit:
- if the accident happens during the coverage period and policy is still effective and has not ended;
- if the hospitalisation is in Singapore and is considered to be Medically Necessary;
- up to a maximum of 7 days for each accident; and
- up to a maximum of S$350 payout per life (across all accidental hospitalisations) from this benefit.
If the Insured Member is subsequently hospitalised directly or indirectly due to the same accidental injury, we will consider this re-admission to hospital as the same occurrence as the first hospitalisation with regards to calculating the days hospitalised.
This benefit terminates once the full sum assured is paid out or when the policy expires.
After the full sum assured is paid out, the policy continues with other remaining benefits. The policy only terminates when Accidental Death benefit is paid out or when the policy expires, whichever is earlier.
During the coverage period, if the Insured Member is hospitalised in the Intensive Care Unit (ICU) for at least 3 consecutive days because of an injury resulting from accident, we will pay S$50 for each day (24-hour period) the Insured Member is hospitalised in the ICU, in addition to the Accidental Hospital Income.
We will only pay this benefit:
- if the accident happens during the coverage period and policy is still effective and has not ended;
- if the admission to ICU is in Singapore and is considered to be Medically Necessary;
- up to a maximum of 7 days for each accident; and
- up to a maximum of S$350 payout per life (across all accidental ICU admission) from this benefit.
If the Insured Member is subsequently hospitalised in ICU directly or indirectly due to the same accidental injury, we will consider this re-admission to ICU as the same occurrence as the first hospitalisation with regard to calculating the days hospitalised.
This benefit terminates once the full sum assured is paid out or when the policy expires.
After the full sum assured is paid out, the policy continues with other remaining benefits. The policy only terminates when Accidental Death benefit is paid out or when the policy expires, whichever is earlier.
“Intensive Care Unit (ICU)” refers to the intensive care unit of a hospital. The High Dependency Unit and other hospital wards are not considered intensive care unit.
During the coverage period, if the Insured Member sustained bodily injuries due to an accident or contracted a covered infectious disease, we will refund the medical expenses for the treatment of the bodily injuries or infectious disease up to S$100. This amount applies for all accident or infectious disease contracted.
The Insured Member must get medical treatment from a registered medical practitioner, as soon as possible after an accident or being diagnosed with any of the 18 infectious diseases.
Under this benefit, we will also pay for the medical expenses for treatment given during the hospitalisation at home under the Mobile Inpatient Care @ Home (MIC@Home) service by a Singapore restructured hospital.
We will only pay this benefit:
- if the accident or infectious disease diagnosis happens during the coverage period and policy is still effective and has not ended;
- if the accident or infectious disease diagnosis happens in Singapore and the treatment is considered to be Medically Necessary; and
- up to a maximum of S$100 aggregated for all accident or infectious disease contracted.
The claim must be made to us within 90 days of the medical treatment for the claims to be admissible. We will pay this benefit only if the treatment for the accidental injury or infectious disease happens during the coverage period.
If the Insured Member is able to claim medical expenses from another insurance policy, we will refund the Insured Member only for any amount not covered by the other insurance policy up to the amount of S$100.
This benefit terminates once the full sum assured is paid out or when the policy expires.
After the full sum assured is paid out, the policy continues with other remaining benefits. The policy only terminates when Accidental Death benefit is paid out or when the policy expires, whichever is earlier.
An Infectious Disease is any one of the 18 infectious diseases listed below that was diagnosed by a registered medical practitioner:
- Anthrax infection
- Avian influenza or ‘Bird Flu’
- Chikungunya
- Dengue fever
- Hand, foot and mouth disease (HFMD)
- Japanese viral encephalitis
- Legionnaires’ disease
- Measles
- Melioidosis or ‘Soil Disease’
- Middle east respiratory syndrome coronavirus (MERS-CoV)
- Mumps
- Nipah viral encephalitis
- Plague
- Rabies
- Severe acute respiratory syndrome (SARS)
- Tuberculosis
- Variant Creutzfeldt-Jakob disease (vCJD) or ‘Mad Cow Disease’
- Yellow fever
“Mobile Inpatient Care @ Home (MIC@Home)” refers to the care-delivery model, that allows patients who a physician assesses as being clinically suitable to receive the same hospital inpatient services in their own homes, instead of a Singapore restructured hospital.
During the coverage period, if the Insured Member dies as a result of an accident, we will pay S$20,000 in lump sum.
Coverage shall apply for death that occurred in both Singapore and overseas. Once we paid out this benefit, the entire policy ends.
We will not cover for any infectious disease diagnosed within 14 days from the Cover Start Date of the policy.
Please refer to the Product Summary under Documents.
To make a claim, please download the Claims Form under Documents and email the completed form to Prudential at SGP.ES.Claims@prudential.com.sg.
