Early Crisis Cover Limited Pay

We understand you want coverage against critical illness from the very beginning

Illnesses may strike when you least expect them to. That is why it is important to protect yourself so you will continue to stay covered in the later years of your life. Add Early Crisis Cover Limited Pay to your main plan for coverage from the early to the late stages of critical illnesses1, so you can focus on getting better.



Be covered for an extensive list of medical conditions


Number of claims


Limited premium term

Product Details

Payment Term

Limited Premium: 10/ 15 / 25 years

Policy Term

10-year Payment Term: 15 to 84 years, up to 85 Age Next Birthday

15-year Payment Term: 20 to 84 years, up to 85 Age Next Birthday

25-year Payment Term: 30 to 84 years, up to 85 Age Next Birthday

Issuance Age

1 to 55 Age Next Birthday

Accidental Death Benefit

Not Applicable

Sum Assured

Minimum Sum Assured: $10,000

Maximum Sum Assured: $250,000

Core Benefits
  • Wide coverage with as many as 74 different medical conditions1.
  • Allow second claim if the medical condition1 deteriorates or a different medical condition1 occurs after a claim on the 50% Severity Payout is made. Early Crisis Cover Limited Pay will pay the balance of this benefit immediately after the first claim2.
  • Waiver3 of all future premiums upon a successful claim under the 50% Severity Payout benefit
  • Additional coverage1 of up to 130% of the sum assured on Angioplasty and other Invasive Treatment for Coronary Artery, selected diabetic complications and Juvenile Medical Conditions

How Early Crisis Cover Limited Pay works:

Mr. Tan (male, non-smoker), age 29 on his next birthday, purchases a 25-year pay PRUlife multiplier flex policy with a sum assured of S$100,000. He adds on Early Crisis Cover Limited Pay with a sum assured of S$50,000 to enhance his coverage.

On Year 10, he suffers a severe asthma, which is an Early Stage Medical Condition, and makes a 50% Severity Payout benefit claim. As a result, the Premium Waiver benefit is activated and he stops paying the premium of Early Crisis Cover Limited Pay. He must, however, continue to pay the premiums of PRUlife multiplier flex.

On Year 25, Mr. Tan undergoes the surgical removal of one lung, which is an Intermediate Stage Medical Condition. He makes a 100% Severity Payout benefit claim, but since there was a successful claim of 50% sum assured previously, he can claim the remaining 50% sum assured.



  1. The full list of benefits covered and their definitions can be found in the product summary that can be obtained from your Prudential Financial Consultant. For certain medical conditions, there is a waiting period of 90 days from the date of issue or reinstatement, whichever is later. Survival period of at least 7 days from the date of diagnosis is applicable before a claim can be made.
  2. Once a claim has been made for a listed medical condition, the list of medical conditions covered would be reduced accordingly and the customer cannot make a repeat claim on the same listed medical condition. The maximum claimable benefit combined under the 50% Severity Payout and 100% Severity Payout cannot exceed 100% of the sum assured.
  3. Future premiums for Early Crisis Cover Limited Pay will be waived after the first successful claim is made under the 50% Severity Payout benefit



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. 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 22 March 2017.

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