PRUtriple protect
When cancer strikes, the cost often goes beyond dollars and cents. While your medical insurance plan may cover your hospitalisation expenses, an illness like cancer can seriously affect your ability to earn a steady income. This may lead you to compromise on your standard of living.
Whether it's your children's education, utility bills or debts such as a housing or car loan, worrying about these financial commitments should be the last thing your mind.
That’s where PRUtriple protect can help by ensuring you have sufficient funds to cover your lost income and reduce your debt. PRUtriple protect provides protection against major illnesses so you and your family can continue living life without compromising on your way of life.
Highlights
Claim up to 300% of your basic coverage amount (Sum Assured) and for multiple illnesses.1
Financial protection against critical illness, death and total and permanent disability
Your maximum total payout could be as high as S$9M, one of the highest in the market.
Convert to a new plan without proof of good health2
Product Details
| Product Type |
Term |
| Payment Term |
Minimum : 10 Years Maximum : 75 – Age at entry |
| Issuance Age |
1 – 65 Age Next Birthday |
| Limits |
Minimum Sum Assured:
Maximum Sum Assured:
|
| Maturity Benefit |
Not Applicable |
| Death Benefit |
100% Sum Assured minus total claims |
| Critical Illness Benefit |
100% Sum Assured, up to 300% Sum Assured |
| Accelerated Disability Benefit |
100% Sum Assured minus total claims |
| Policy Term |
Minimum : 10 Years Maximum : 75 – Age at entry |
| Other Benefit |
Special medical conditions and option to convert your policy to a new plan |
| Enhance Your Coverage |
Early Protector, Crisis Waiver III (PRUtriple protect) & Early Stage Crisis Waiver (PRUtriple protect) |
Early Protector rider is an optional supplementary benefit attachable to PRUtriple protect, which offers financial protection against the Pre-critical stage of Critical Illnesses.
You can claim up to 300% of your basic coverage amount (Sum Assured) for a pre-critical medical condition from a different critical illness category1.
With the ‘Early Protector’ rider, you will be covered for up to 106 early to late-stage medical conditions.
Crisis Waiver III rider is an optional supplementary benefit attachable to PRUtriple protect, which waives all future premium payments upon a successful claim against illnesses covered by PRUtriple protect.
Early Stage Crisis Waiver rider is an optional supplementary benefit attachable PRUtriple protect which waives premiums for five years upon a successful claim against pre-critical medical conditions covered by Early Protector.
Footnotes:
1 Coverage amount will be restored to 100% of basic coverage after 12 claim-free months from the last successful claim. Subject to maximum payout of 300% of basic coverage insured for Critical Illness. This 300% limit includes claims for any of the critical illnesses under the base plan.2 Before the cover end date, customer can choose to replace this policy and buy a new available regular premium whole life or endowment policy without evidence of good health. Prudential reserve the right to vary the types of policy the customer can convert to.
^ Terms and conditions apply.
Sources:
* Singapore Cancer Registry Annual Registry Report 2015, National Registry of Diseases Office
+ Ministry of Manpower data, 2017
Note:
You are recommended to read the product summary and seek advice from a qualified Prudential Financial Consultant for a financial analysis before purchasing a policy suitable to meet your needs.
As this product has no savings or investment feature, there is no cash value if the policy ends or if the policy is terminated prematurely.
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.
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 for distribution 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 this brochure, the English version shall prevail.
Information is correct as at 10 December 2018.
This advertisement has not been reviewed by the Monetary Authority of Singapore.