PRUSafe Gift

Who is eligible for the PRUSafe Gift?

You are eligible to enrol in the PRUSafe Gift if you are a Banking customer of UOB who has not been disqualified by any other provision of this Policy and is entitled to participate in the insurance coverage provided by this Policy. You must also be a Singapore resident with a valid NRIC/FIN, between the age of 1 to 65 (age next birthday).

Each Eligible Member will only be incepted for one (1) PRUSafe Gift plan.

How long will this campaign last?

The campaign is valid till 31 December 2026, on a limited first-come-first-served basis.

Do I have to pay for this policy?

No payment is required, this policy is offered on a complimentary basis to eligible members.

When will my coverage commence and how long will I be covered under PRUSafe Gift?

Your coverage will commence from the date of successful enrolment of the policy, with a written confirmation from Prudential, for a period of twelve (12) months.

Will I receive any confirmation from Prudential upon successful sign-up?

You will receive the following via email:

1. Acknowledgement email
2. Certificate of Insurance & Policy Document

What is the definition of an ‘accident’?

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).

What will I be covered under the Accidental Hospitalisation Income?

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.

What will I be covered under the Additional Accidental ICU (Intensive Care Unit)?

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 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.

“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.

What will I be covered under the Medical Reimbursement due to Accident or Infectious Disease?

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.

Which 18 infectious diseases are covered?

An Infectious Disease is any one of the 18 infectious diseases listed below that was diagnosed by a registered medical practitioner:

1. Anthrax infection
2. Avian influenza or ‘Bird Flu’
3. Chikungunya
4. Dengue fever
5. Hand, foot and mouth disease (HFMD)
6. Japanese viral encephalitis
7. Legionnaires’ disease
8. Measles
9. Melioidosis or ‘Soil Disease’
10. Middle east respiratory syndrome coronavirus (MERS-CoV)
11. Mumps
12. Nipah viral encephalitis
13. Plague
14. Rabies
15. Severe acute respiratory syndrome (SARS)
16. Tuberculosis
17. Variant Creutzfeldt-Jakob disease (vCJD) or ‘Mad Cow Disease’
18. Yellow fever

What is the definition of ‘Mobile Inpatient Care@Home’ or ‘MIC@Home’?

“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.

What will I be covered under the Accidental Death?

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 this benefit is paid out, the entire policy ends.

Is there any waiting period?

We will not cover for any infectious disease diagnosed within 14 days from the Cover Start Date of the policy.

Are there any exclusions?

Please refer to the Product Summary under Documents.

How do I make a claim?

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.

How do I check the status of my claim?