PRUtreasures flexi

Protecting your employees now comes with greater flexibility.

 

A good protection plan can increase productivity at work. That’s why, apart from providing your employees a stable income and career growth, their protection needs are just as important.

PRUtreasures flexi offers a comprehensive plan to ensure your employees are protected from the financial impact of unforeseen illnesses and accidents.

PRUtreasures flexi lets you choose your group protection plan according to your organisation’s unique needs by selecting the amount of coverage, medical protection and benefits.

Your relationships are precious. Protect them.

 

Help your employees cope with their healthcare

 

PRUtreasures flexi allows you to select the coverage for your employees

We help you protect your employees against uncertainties with a comprehensive coverage – protection against death, total and permanent disability, terminal illness and critical illness, hospitalisation, outpatient clinic, specialist, dental and even traditional Chinese Medicine (TCM) treatments.

 

 

Subject to availability.
1  Please refer to the Underwriting Guideline for covered countries found on page 14 and 15.
 
Terms and Conditions apply. Please refer to www.prudential.com.sg/ptrf for more details.

CORE PLAN – GROUP TERM LIFE

BENEFITS / PLAN TYPE PLAN 12 PLAN 2 PLAN 3 PLAN 4 PLAN 5
Group Term Life
(Double Death Benefits payable in the event of death due to accident in a public land conveyance)
  • Death
  • Total and Permanent Disability (TPD)
  • Terminal Illness (TI)
S$ 500,000 S$ 200,000 S$ 150,000 S$ 80,000 S$ 50,000
Repatriation of Mortal Remains
(per member)
S$ 50,000 S$ 50,000 S$ 50,000 S$ 50,000 S$ 50,000


2
Health declaration required.

ANNUAL PREMIUM RATE – GROUP TERM LIFE

AGE LAST BIRTHDAY PLAN 1 PLAN 2 PLAN 3 PLAN 4 PLAN 5
16 – 19 S$ 397.00 S$ 183.00 S$ 143.00 S$ 78.00 S$ 50.00
20 – 24 S$ 379.00 S$ 176.00 S$ 137.00 S$ 74.00 S$ 48.00
25 – 29 S$ 333.00 S$ 154.00 S$ 120.00 S$ 65.00 S$ 42.00
30 – 34 S$ 372.00 S$ 172.00 S$ 133.00 S$ 73.00 S$ 47.00
35 – 39 S$ 417.00 S$ 195.00 S$ 151.00 S$ 82.00 S$ 52.00
40 – 44 S$ 574.00 S$ 277.00 S$ 215.00 S$ 116.00 S$ 73.00
45 – 49 S$ 944.00 S$ 450.00 S$ 349.00 S$ 187.00 S$ 118.00
50 – 54 S$ 1,611.00 S$ 765.00 S$ 592.00 S$ 317.00 S$ 199.00
55 – 59 S$ 2,582.00 S$ 1,246.00 S$ 964.00 S$ 515.00 S$ 323.00
60 – 64 S$ 4,320.00 S$ 2,084.00 S$ 1,612.00 S$ 861.00 S$ 539.00
65 – 69 S$ 7,207.00 S$ 3,480.00 S$ 2,692.00 S$ 1,437.00 S$ 899.00
70 – 743 S$ 13,856.00 S$ 6,688.00 S$ 5,171.00 S$ 2,759.00 S$ 1,726.00


3
For renewals only.

 

GROUP SIZE DISCOUNT FOR GROUP TERM LIFE

GROUP SIZE (INSURED EMPLOYEE) DISCOUNT
11 – 15 5%
16 and above 10%

 

CORE PLAN – GROUP HOSPITAL & SURGICAL

BENEFITS / PLAN TYPE PLAN 1 PLAN 2 PLAN 3 PLAN 4 PLAN 5
1 Daily Room and Board Benefit
(Per day, up to 120 days per disability)
1-Bed Ward
Private
2-Bed Ward
Private
4-Bed Ward
Private
4-Bed Ward
Government
Restructured
1-Bed Ward
Government
Restructured
2 Intensive Care Unit (ICU)
(Max. per day, up to 30 days per disability)
3 x 1-Bedded 3 x 2-Bedded 3 x 4-Bedded S$15,000
per disability
limit for items
2 to 8
S$20,000
per disability
limit for items
2 to 8
3 High Dependency Ward (HDW)
(Max. per day, up to 30 days per disability)
2 x 1-Bedded 2 x 2-Bedded 2 x 4-Bedded
4 Other Hospital Services Benefits
(Max. per disability)
S$25,000
per disability
limit for items
4 to 8
S$20,000
per disability
limit for items
4 to 8
S$15,000
per disability
limit for items
4 to 8
S$15,000
per disability
limit for items
2 to 8
S$20,000
per disability
limit for items
2 to 8
5 Surgical Fees
(subject to surgical schedule)4
6 In-Hospital Doctor's
Consultation Benefit

(Max. 120 days)
7 Pre (90 days) & Post (90 days)
Hospitalisation/ Surgery, Specialist
Consultation, Diagnostic X-Ray and Lab
Test, Traditional Chinese Medicine
8 Emergency Accidental Outpatient
Treatment Benefit

(Including Accidental Dental Treatment)
9 Miscarriage Benefit Covered under benefits (items 1 to 8) ,
as per the respective benefit limits
10 Outpatient Cancer Treatment
(Max. per policy year)
S$ 10,000 S$ 10,000 S$ 10,000 N.A N.A
11 Outpatient Kidney Dialysis
(Max. per policy year)
S$ 10,000 S$ 10,000 S$ 10,000 N.A N.A
12 Overseas Hospitalisation
for Accident Benefit
150% of GHS benefit (for item 1 to 7)
13 Rehabilitation Benefit
(Max. per disability, up to 31 days)
S$ 5,000 S$ 5,000 S$ 5,000 S$ 5,000 S$ 5,000
14 Hospital Cash Benefit
(Max. per day, up to 90 days per disability)
 
  - Singapore Government Restructured B1 Ward S$ 50 S$ 40 Nil Nil Nil
  - Singapore Government Restructured B2 Ward S$ 100 S$ 80 S$ 40 Nil Nil
  - Singapore Government Restructured C Ward S$ 150 S$ 120 S$ 80 Nil Nil
15 In-Hospital Psychiatric Treatment
(Max. per policy year, applicable
to Singapore GRH only)
S$ 1,000 S$ 1,000 S$ 1,000 S$ 1,000 S$ 1,000
16 Death Benefit
(Double Death Benefits payable in the
event of death due to accident in a public
land conveyance)
S$ 5,000 S$ 5,000 S$ 5,000 S$ 5,000 S$ 5,000
17

Pro-ration factor for:
Plan 2 & 3

Applicable to items 4 – 7

Plan 4 & 5
Applicable to items 2 – 7

Nil 75% applies
if Insured
Member stays
in 1 Bedded
ward
(Private or
Government
Restructured)
75% applies
if Insured
Member stays
in 2 Bedded
or higher ward
(Private or
Government
Restructured)
75% applies
if Insured
Member stays
in 4 Bedded
or higher ward
(Private) or
2 Bedded or
higher ward
(Government
Restructured)
75% applies
if Insured
Member stays
in 1 Bedded
ward (Private)
18 Complimentary Health Screening
(for employee only)
Applicable for group size > 10 eligible employees

 

4 i. Waiver of surgical schedule if insured member is admitted to government restructured hospital.
  ii. Surgical fee more than S$1,500 is subject to surgical schedule if insured member is admitted to a private hospital.

 

ANNUAL PREMIUM RATE – GROUP HOSPITAL & SURGICAL

For Employee Only (inclusive of 7% GST)

AGE LAST BIRTHDAY PLAN 1 PLAN 2 PLAN 3 PLAN 4 PLAN 5
16 – 19 S$ 395.00 S$ 324.00 S$ 252.00 S$ 129.00 S$ 180.00
20 – 24 S$ 408.00 S$ 328.00 S$ 260.00 S$ 134.00 S$ 187.00
25 – 29 S$ 444.00 S$ 341.00 S$ 274.00 S$ 139.00 S$ 194.00
30 – 34 S$ 472.00 S$ 365.00 S$ 294.00 S$ 148.00 S$ 206.00
35 – 39 S$ 505.00 S$ 388.00 S$ 312.00 S$ 170.00 S$ 237.00
40 – 44 S$ 551.00 S$ 430.00 S$ 343.00 S$ 219.00 S$ 306.00
45 – 49 S$ 641.00 S$ 502.00 S$ 401.00 S$ 267.00 S$ 373.00
50 – 54 S$ 903.00 S$ 713.00 S$ 563.00 S$ 362.00 S$ 506.00
55 – 59 S$ 1,158.00 S$ 921.00 S$ 721.00 S$ 473.00 S$ 661.00
60 – 64 S$ 1,586.00 S$ 1,249.00 S$ 968.00 S$ 627.00 S$ 877.00
65 – 69 S$ 2,500.00 S$ 1,927.00 S$ 1,559.00 S$ 823.00 S$ 1,151.00
70 – 745 S$ 3,437.00 S$ 2,649.00 S$ 2,141.00 S$ 1,126.00 S$ 1,575.00

 

For Employee and Spouse or Children Coverage Only (inclusive of 7% GST)

AGE LAST BIRTHDAY PLAN 1 PLAN 2 PLAN 3 PLAN 4 PLAN 5
16 – 19 S$ 888.75 S$ 729.00 S$ 567.00 S$ 290.25 S$ 405.00
20 – 24 S$ 918.00 S$ 738.00 S$ 585.00 S$ 301.50 S$ 420.75
25 – 29 S$ 999.00 S$ 767.25 S$ 616.50 S$ 312.75 S$ 436.50
30 – 34 S$ 1,062.00 S$ 821.25 S$ 661.50 S$ 333.00 S$ 463.50
35 – 39 S$ 1,136.25 S$ 873.00 S$ 702.00 S$ 382.50 S$ 533.25
40 – 44 S$ 1,239.75 S$ 967.50 S$ 771.75 S$ 492.75 S$ 688.50
45 – 49 S$ 1,442.25 S$ 1,129.50 S$ 902.25 S$ 600.75 S$ 839.25
50 – 54 S$ 2,031.75 S$ 1,604.25 S$ 1,266.75 S$ 814.50 S$ 1,138.50
55 – 59 S$ 2,605.50 S$ 2,072.25 S$ 1,622.25 S$ 1,064.25 S$ 1,487.25
60 – 64 S$ 3,568.50 S$ 2,810.25 S$ 2,178.00 S$ 1,410.75 S$ 1,973.25
65 – 69 S$ 5,625.00 S$ 4,335.75 S$ 3,507.75 S$ 1,851.75 S$ 2,589.75
70 – 745 S$ 7,733.25 S$ 5,960.25 S$ 4,817.25 S$ 2,533.50 S$ 3,543.75

 

For Employees and Spouse and Children Coverage (inclusive of 7% GST)

AGE LAST BIRTHDAY PLAN 1 PLAN 2 PLAN 3 PLAN 4 PLAN 5
16 – 19 S$ 1,382.50 S$ 1,134.00 S$ 882.00 S$ 451.50 S$ 630.00
20 – 24 S$ 1,428.00 S$ 1,148.00 S$ 910.00 S$ 469.00 S$ 654.50
25 – 29 S$ 1,554.00 S$ 1,193.50 S$ 959.00 S$ 486.50 S$ 679.00
30 – 34 S$ 1,652.00 S$ 1,277.50 S$ 1,029.00 S$ 518.00 S$ 721.00
35 – 39 S$ 1,767.50 S$ 1,358.00 S$ 1,092.00 S$ 595.00 S$ 829.50
40 – 44 S$ 1,928.50 S$ 1,505.00 S$ 1,200.50 S$ 766.50 S$ 1,071.00
45 – 49 S$ 2,243.50 S$ 1,757.00 S$ 1,403.50 S$ 934.50 S$ 1,305.50
50 – 54 S$ 3,160.50 S$ 2,495.50 S$ 1,970.50 S$ 1,267.00 S$ 1,771.00
55 – 59 S$ 4,053.00 S$ 3,223.50 S$ 2,523.50 S$ 1,655.50 S$ 2,313.50
60 – 64 S$ 5,551.00 S$ 4,371.50 S$ 3,388.00 S$ 2,194.50 S$ 3,069.50
65 – 69 S$ 8,750.00 S$ 6,744.50 S$ 5,456.50 S$ 2,880.50 S$ 4,028.50
70 – 745 S$ 12,029.50 S$ 9,271.50 S$ 7,493.50 S$ 3,941.00 S$ 5,512.50


5
For renewals only.

 

GROUP SIZE DISCOUNT FOR GROUP HOSPITAL & SURGICAL

GROUP SIZE (INSURED EMPLOYEE) DISCOUNT
11 – 15 5%
16 and above 10%

Enhance Your PRUtreasures flexi Plan According To Your Needs

PRUtreasures flexi offers supplementary benefits to complement the core coverage. Depending on the core plans selected, you can choose up to 7 optional supplementary benefits to suit your company’s budget and needs.

 

GROUP CRISIS COVER ACCELERATED/ RIDER TO GROUP TERM LIFE

BENEFITS / PLAN TYPE PLAN 16 PLAN 2 PLAN 3 PLAN 4 PLAN 5
Group Crisis Cover Accelerated S$ 250,000 S$ 100,000 S$ 75,000 S$ 40,000 S$ 25,000

 

ANNUAL PREMIUM RATE – GROUP CRISIS COVER ACCELERATED

AGE LAST BIRTHDAY PLAN 1 PLAN 2 PLAN 3 PLAN 4 PLAN 5
16 – 19 S$ 211.00 S$ 94.00 S$ 72.00 S$ 39.00 S$ 24.00
20 – 24 S$ 212.00 S$ 95.00 S$ 74.00 S$ 40.00 S$ 25.00
25 – 29 S$ 291.00 S$ 127.00 S$ 98.00 S$ 52.00 S$ 33.00
30 – 34 S$ 366.00 S$ 157.00 S$ 122.00 S$ 65.00 S$ 41.00
35 – 39 S$ 551.00 S$ 238.00 S$ 184.00 S$ 99.00 S$ 62.00
40 – 44 S$ 954.00 S$ 421.00 S$ 326.00 S$ 174.00 S$ 109.00
45 – 49 S$ 1,378.00 S$ 622.00 S$ 481.00 S$ 257.00 S$ 161.00
50 – 54 S$ 1,927.00 S$ 873.00 S$ 675.00 S$ 360.00 S$ 225.00
55 – 59 S$ 3,301.00 S$ 1,489.00 S$ 1,151.00 S$ 615.00 S$ 384.00
60 – 64 S$ 5,479.00 S$ 2,476.00 S$ 1,915.00 S$ 1,022.00 S$ 639.00
65 – 697 S$ 7,423.00 S$ 3,413.00 S$ 2,639.00 S$ 1,407.00 S$ 880.00

6 Health declaration required.
7 For renewals only.
Note: Coverage for Group Crisis Cover Accelerated benefit ceases at age 70 last birthday.

 

GROUP ACCIDENTAL DEATH & DISMEMBERMENT / RIDER TO GROUP TERM LIFE OR GROUP HOSPITAL & SURGICAL
WITH OPTIONAL BENEFIT: GROUP ACCIDENTAL MEDICAL REIMBURSEMENT

BENEFITS / PLAN TYPE PLAN 1 PLAN 2 PLAN 3 PLAN 4 PLAN 5
Group Accidental Death
& Dismemberment
S$ 500,000 S$ 200,000 S$ 150,000 S$ 80,000 S$ 50,000
Optional Benefit:
Accidental Medical Reimbursement
S$ 5,000

 

ANNUAL PREMIUM RATE (inclusive of 7% GST) – GROUP ACCIDENTAL DEATH & DISMEMBERMENT

OCCUPATIONAL
CLASS
AGE LAST
BIRTHDAY
PLAN 1 PLAN 2 PLAN 3 PLAN 4 PLAN 5
Class 1 16 – 69 S$ 154.00 S$ 66.00 S$ 50.00 S$ 27.00 S$ 17.00
70 – 748 S$ 631.00 S$ 274.00 S$ 205.00 S$ 110.00 S$ 69.00
Class 2 16 – 69 S$ 183.00 S$ 80.00 S$ 60.00 S$ 32.00 S$ 20.00
70 – 748 S$ 752.00 S$ 332.00 S$ 249.00 S$ 133.00 S$ 83.00
Class 3 16 – 69 S$ 241.00 S$ 107.00 S$ 81.00 S$ 43.00 S$ 27.00
70 – 748 S$ 993.00 S$ 447.00 S$ 335.00 S$ 179.00 S$ 112.00

 

ANNUAL PREMIUM RATE (inclusive of 7% GST) – GROUP ACCIDENTAL MEDICAL REIMBURSEMENT

OCCUPATIONAL
CLASS
AGE LAST
BIRTHDAY
PLAN 1 PLAN 2 PLAN 3 PLAN 4 PLAN 5
Class 1 16 – 69 S$ 37.00 S$ 37.00 S$ 37.00 S$ 37.00 S$ 37.00
70 – 748 S$ 155.00 S$ 155.00 S$ 155.00 S$ 155.00 S$ 155.00
Class 2 16 – 69 S$ 46.00 S$ 46.00 S$ 46.00 S$ 46.00 S$ 46.00
70 – 748 S$ 193.00 S$ 193.00 S$ 193.00 S$ 193.00 S$ 193.00
Class 3 16 – 69 S$ 64.00 S$ 64.00 S$ 64.00 S$ 64.00 S$ 64.00
70 – 748 S$ 270.00 S$ 270.00 S$ 270.00 S$ 270.00 S$ 270.00

8 For renewals only.

 

GROUP EXTENDED MAJOR MEDICAL/ RIDER TO GROUP HOSPITAL & SURGICAL

BENEFITS / PLAN TYPE PLAN 1 PLAN 2 PLAN 3 PLAN 4 PLAN 5

Provides reimbursement of eligible expenses in excess of Basic GHS if:

  1. Hospitalisation is at least 20 days; or
  2. Surgical Percentage is at least 75% per incision
S$ 80,000
per disability
S$ 60,000
per disability
S$ 40,000
per disability
S$ 20,000
per disability
S$ 60,000
per disability
Daily Home Nursing Benefit
(max. per day, up to 30 days per disability)
S$ 80 per day for all plans
(subject to respective benefit limit)
HIV Due to Blood Transfusion and Occupationally Acquired HIV S$ 5,000 per day for all plans
(subject to respective benefit limit)
Parent Accommodation (up to 60 days for accompanying child age 12 and below) S$ 100 per day for all plans
(subject to respective benefit limit)
Deductible As per Basic GHS
Co-Insurance 20%

 

ANNUAL PREMIUM RATE – GROUP EXTENDED MAJOR MEDICAL

For Employee Only (inclusive of 7% GST)

AGE LAST BIRTHDAY PLAN 1 PLAN 2 PLAN 3 PLAN 4 PLAN 5
16 – 69 S$ 37.00 S$ 29.00 S$ 19.00 S$ 10.00 S$ 14.00
70 – 749 S$ 37.00 S$ 29.00 S$ 19.00 S$ 10.00 S$ 14.00

 

For Employee and Spouse or Children Coverage Only (inclusive of 7% GST)

AGE LAST BIRTHDAY PLAN 1 PLAN 2 PLAN 3 PLAN 4 PLAN 5
16 – 69 S$ 83.25 S$ 65.25 S$ 42.75 S$ 22.50 S$ 31.50
70 – 749 S$ 83.25 S$ 65.25 S$ 42.75 S$ 22.50 S$ 31.50

 

For Employees and Spouse and Children Coverage (inclusive of 7% GST)

AGE LAST BIRTHDAY PLAN 1 PLAN 2 PLAN 3 PLAN 4 PLAN 5
16 – 69 S$ 129.50 S$ 101.50 S$ 66.50 S$ 35.00 S$ 49.00
70 – 749 S$ 129.50 S$ 101.50 S$ 66.50 S$ 35.00 S$ 49.00

9For renewals only.

 

GROUP OUTPATIENT GENERAL PRACTITIONER (GP) / RIDER TO GROUP TERM LIFE OR GROUP HOSPITAL & SURGICAL

BENEFITS / PLAN TYPE PLAN 1 PLAN 2 PLAN 3 PLAN 4 PLAN 5 PLAN 6
a Panel Registered Medical Practitioner Cashless
b Non-Panel Registered Medical Practitioner
(covers treatment in Singapore only)
Reimbursement up to S$30 per visit
c Singapore Government Polyclinic Full Reimbursement
d Accident & Emergency
Department in Singapore Hospitals
Reimburse up to $100 per visit (capped at 2 visits per policy year)
e Paediatrician Direct Access Reimburse up to S$30 per visit
f Overseas Registered Medical Practitioner Reimburse up to S$100 per visit
g Registered Traditional Chinese Medicine
Practitioner (TCM)
(Consultation and Medicine)
Reimbursement of up to S$30 per visit
(capped at 6 visits per policy year)
Not Applicable
h Co-Payment per visit
(applicable for all benefits)
NIL S$ 5 S$ 10 NIL S$ 5 S$ 10

 

ANNUAL PREMIUM RATE (inclusive of 7% GST) – GROUP OUTPATIENT GENERAL PRACTITIONER

PLAN TYPE PLAN 1 PLAN 2 PLAN 3 PLAN 4 PLAN 5 PLAN 6
Annual Premium S$ 304.00 S$ 267.00 S$ 234.00 S$ 256.00 S$ 219.00 S$ 186.00

 

GROUP OUTPATIENT SPECIALIST/ RIDER TO GROUP TERM LIFE10 OR GROUP HOSPITAL & SURGICAL

BENEFITS / PLAN TYPE PLAN 1 PLAN 2 PLAN 3 PLAN 4
a Specialist Consultation at Singapore Govt Restructured Hospital (GRH)
(recommended by a Registered Medical Practitioner)
S$ 2,000 per
policy year
S$ 1,500 per
policy year
S$ 1,000 per
policy year
Overall policy year
limit of
S$ 500
b Specialist Consultation at Private Hospital (PTE)
(recommended by a Registered Medical Practitioner)
S$ 800 per
policy year
S$ 400 per
policy year
S$ 200 per
policy year
c All other Diagnostic X-Ray and Lab Test
(GP or SP referral required)
S$ 800 per
policy year
S$ 400 per
policy year
S$ 200 per
policy year

 

ANNUAL PREMIUM RATE (inclusive of 7% GST) – GROUP OUTPATIENT SPECIALIST

PLAN TYPE PLAN 1 PLAN 2 PLAN 3 PLAN 4
Annual Premium S$214.00 S$177.00 S$160.00 S$122.00

10GP and SP are to be taken up together if they are taken up as a rider to GTL.

 

GROUP DENTAL – RIDER TO GROUP HOSPITAL & SURGICAL

BENEFITS / PLAN TYPE PLAN 1
1 Medication Fee As charged for item 1 to 9
2 X-Ray
3 Prophylaxis Treatment (General Scaling and Polishing)
4 Fillings
5 Simple and Surgical Extraction
6 Root Canal Treatment
7 Gum Treatment (including Curettage)
8 Periodontal Surgery
9 Repairs of Dentures, Crowns and Bridges Due to Accident
10 Overall Dental's Limit (per policy year) S$500
11 Co-insurance 20%

 

ANNUAL PREMIUM RATE (inclusive of 7% GST) – GROUP DENTAL

PLAN TYPE PLAN 1
Annual Premium S$295.00

 

Occupational Class

Class 1 Clerical, administrative or other similar non-hazardous occupations
Class 2 Occupations where some degree of risk is involved, e.g. supervision of manual workers, totally administrative job in an industrial environment
Class 3 Occupations involving regular light to medium manual work but no substantial hazard which may increase the risk of sickness or accident
Class 4 Not covered

Footnotes:

 

Underwriting Guidelines for PRUtreasures flexi


Period of Insurance:

  • Duration of coverage is for 12 months. Coverage starts from stated effective date upon clearance of required MAS 314 and Compliance checks.


Age Eligibility:

  1. Employees
    • All benefits, except Group Crisis Cover – Accelerated, are available to eligible employees of age 16 to 69 inclusive, and renewable up to age 74.
    • Group Crisis Cover – Accelerated is available to eligible employees of age 16 to 64 inclusive, and renewable up to age 69.
  2. Dependants
    1. the Insured Member’s spouse who is:
      • below 69 years old at his last birthday, and up to 74 years old at his last birthday; and
      • not an Insured Member under this Policy; or
    2. the Insured Member’s natural or step child from a legal marriage or legally adopted child who is:
      • two (2) weeks old; or
      • up to 25 years old at his last birthday, and is single and unemployed. (Note: National Service Personnel are not covered)
  3. Based on age last birthday.


Eligibility and Participation Requirements:

  • All full time and work-active employees, directors, partners and proprietors.

  • Eligible dependants can select Group Hospital & Surgical and its supplementary benefits.
    Dependant's plan must be the same as Employee’s plan.

  • The Company can choose Group Term Life and/or Group Hospital & Surgical as their basic core plan(s).

  • If dependant’s coverage is taken up, it will apply to all eligible employees in the same classification.

  • PRUtreasures flexi is available to companies with a minimum of 3 employees.

  • Insurance cover must be provided to all specified categories of employees on a compulsory basis.
    All benefits are applicable for Occupational Class 1 to 3 only.

  • For employees holding a Singapore Ministry of Manpower's S Pass or work permit, the Company can choose any plan under Group Hospital & Surgical with Group Extended Major Medical.

  • Take-over clause is applicable if the Company has prior Group Employee Insurance cover with a headcount of 25 standard life employees and above. Take-over refers to waiver of pre-existing conditions. This feature is only available for GHS and its medical riders. However, the 12 months waiting period will apply to members who have not been continuously insured under the existing group insurance policy for 12 months. Member listing from previous insurer is required to be provided for take-over to be approved.

  • Coverage is only applicable to groups with the majority of employees (at least 50%) working in Singapore,
    and the rest of the employees based in the following countries:
    1. Brunei
    2. Indonesia (Jakarta only)
    3. Japan
    4. Malaysia
    5. Macau
    6. Philippines (Manila only)
    7. People's Republic of China (except Xinjiang and Tibet)
    8. South Korea
    9. Taiwan
    10. Thailand

An individual is considered a resident of Singapore or a resident of the above countries on the basis that the individual does not travel or work outside of Singapore or the above countries for more than 180 cumulative days in any 365 consecutive days.

  • Plan selection for GTL and GCCA must be the same if GCCA is taken up.
  • Crossing of plans between GTL and GADD is allowed i.e. GADD’s plan selection/Sum Assured can be higher than GTL.
  • Plan selection for GHS and GEMM must be the same if GEMM is taken up.
  • GP and SP are to be taken up together as a rider to GTL and GHS.
  • GP can be taken up on stand-alone basis as a rider to GHS.


Pre-Existing Conditions – GHS:

  • Shall not pay if the loss or disability arises out of a pre-existing condition, unless the insured member has been insured under this policy continuously for 12 months.
  • All pre-existing conditions are permanently excluded for outpatient kidney dialysis or outpatient cancer treatment benefits.


Pre-Existing Conditions – GEMM:

  • Shall not pay if the loss or disability arises out of a pre-existing condition for which the insured member received medical treatment, diagnosis, consultation or prescribed drugs during the 24 months preceding the policy effective date of the coverage.
  • All pre-existing conditions are permanently excluded for outpatient kidney dialysis or outpatient cancer treatment benefits.


Pre-Existing Conditions – GTL:

  • Shall not pay if the loss or disability arises out of a pre-existing condition, unless the insured member has been insured under this policy continuously for 12 months.


Pre-Existing Conditions – GCCA:

  • Shall not pay if the loss or disability arises out of a pre-existing condition.


Premium:

  • Premium rates are in Singapore Dollars.
  • The premium rates are based on age last birthday of individual employees.
  • Payment of premium is to be made annually.


Medical Underwriting:

  • Employee (16 to 64 age last birthday) selecting Plan 1 of Group Term Life will require underwriting.
  • Employee (16 to 64 age last birthday) selecting Plan 1 of Group Crisis Cover Accelerated will require underwriting.
  • Employee (from 65 age last birthday onwards) selecting Group Term Life will require underwriting.
  • For Group Term Life, employee of 70 to 74 age last birthday will require underwriting at each renewal.


Required Documents:

  • Application Form.
  • A copy of the duly completed, company stamped and signed MAS Notice 314 Declaration on Parties Relevant to the Policyholder Form.
  • Business Profile report from the Account & Corporate Regulatory Authority (ACRA).
  • Health Declaration Form when Medical Underwriting is required.

 

Note:
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. 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. 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 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.

Information is correct as at 28 Nov 2017.

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