PRUearly stage crisis cover

Should an illness strike, the earlier it is diagnosed, the easier it is to manage and the higher the chances of a full recovery. PRUearly stage crisis cover offers financial support right from the early stages of critical illnesses1.

Covering a broad and extensive list of illnesses1, PRUearly stage crisis cover helps reduce the financial burden resulting from selected early stage critical illnesses1 – and makes it easier for you to concentrate on a full recovery. The first policy of its kind to cover selected diabetic complications2, PRUearly stage crisis cover also offers additional reassurance with a $3,000 death or terminal illness benefit. Future premiums3 are waived after the first claim is made under the 50% Severity Payout.

Highlights

Critical Illness Insurance - 74 Medical Conditions Coverage

74 medical conditions1

Critical Illness Insurance - Up to 2 Claims

Number of claims

Critical Illness Insurance - Stop Paying Premiums

After first early stage medical condition claim3

Product Details

Product Type

Critical Illness

Payment Term

Regular Premium:

  • 10 to (85 Age Next Birthday less Age at Entry) years
Policy Term

Minimum:

  • 10 years

Maximum:

  • (85 Age Next Birthday minus Age at Entry) years
Issuance Age

1 (30 days from birth) to 65 Age Next Birthday

Limits

Minimum Sum Assured:

  • $10,000

Maximum Sum Assured:

  • $250,000

Minimum Annual Premium:

  • 1 to 16 Age Next Birthday: $180
  • 17 Age Next Birthday & Above: $240
Maturity Benefit

Not Applicable

Death Benefit

Sum assured of $3,000

Total & Permanent Disability Benefit

Not Applicable

Cash Benefit

Not Applicable

Critical Illness Benefit

Below 1 Age Next Birthday:

  • 20% of the PruEarly Stage Crisis Cover policy sum assured;
  • or 20% of the remaining 50% of the PruEarly Stage Crisis Cover policy sum assured if the policyholder has made a successful claim under the 50% Severity Payout benefit4.

Above 1 Age Next Birthday:

  • 100% of the PruEarly Stage Crisis Cover policy sum assured;
  • or 50% of the PruEarly Stage Crisis Cover policy sum assured if the policyholder has made a successful claim under the 50% Severity Payout benefit4.
Accidental Death Benefit

Not Applicable

Table: Medical Conditions covered under PRUearly stage crisis cover

Early Stage Medical Conditions
(50% Severity Payout)
Intermediate Stage Medical Conditions
(100% Severity Payout)
Critical Illnesses
(100% Severity Payout)
Moderately severe Alzheimer's Disease or Dementia - Alzheimer's Disease/ Severe Dementia
- - Apallic Syndrome
Reversible Aplastic Anaemia - Aplastic Anaemia
Bacterial Meningitis with full recovery - Bacterial Meningitis
Surgical removal of pituitary tumour or Surgery for subdural haematoma - Benign Brain Tumour
Loss of sight in one eye Optic Nerve Atrophy with low vision Blindness (Loss of sight)
Coma for 48 hours Severe Epilepsy or Coma for 72 hours Coma
Keyhole coronary bypass surgery or Coronary Artery Arthrectomy or Transmyocardial Laser Revascularisation or Enhanced External Counterpulsation Device Insertion - Coronary Artery By-pass Surgery
Partial loss of hearing or Cavernous sinus thrombosis surgery Cochlear implant surgery Deafness (Loss of hearing)
Liver surgery Liver Cirrhosis End stage Liver Failure
Severe Asthma or Insertion of a Veno-cava filter Surgery removal of one lung End stage of Lung Disease
Hepatitis with Cirrhosis - Fulminant Hepatitis
Cardiac pacemaker insertion or Pericardectomy Cardiac defibrillator insertion or Early Cardiomyopathy Heart Attack or Specified Severity
Percutaneous Valve Surgery - Heart Valve Surgery
HIV due to Assault, Organ Transplant or Occupationally Acquired HIV - HIV Due to Blood Transfusion and Occupationally Acquired HIV
Surgical removal of one kidney or Chronic Kidney Disease - Kidney Failure
- - Loss of Independent Existence
Loss of Speech due to neurological disease or neurological injury - Loss of Speech.
Moderately severe burns - Major Burns
- Carcinoma in situ of specified organs
- Early Prostate Cancer
- Early Thyroid Cancer
- Early Bladder Cancer
- Early Chronic Lymphocytic Leukaemia
- Early Melanoma
- Gastro-intestinal Stromal Tumour (GIST)
Carcinoma in situ of specified organs treated with Radical Surgery Major Cancers
Facial reconstructive surgery or Spinal cord injury - Major Head Trauma
Small bowel transplant; or Corneal transplant - Major Organ / Bone Marrow Transplantation
Early Motor Neurone Disease - Motor Neurone Disease
Early Multiple Sclerosis - Multiple Sclerosis
Moderately severe Muscular Dystrophy - Muscular Dystrophy
- - Other Serious Coronary Artery Disease
- - Paralysis (Loss of Use of Limbs)
Moderately severe Parkinson's Disease - Parkinson's Disease
- - Poliomyelitis
Early Pulmonary Hypertension Secondary Pulmonary Hypertension Primary Pulmonary Hypertension
Early Progressive Scleroderma Progressive Scleroderma with CREST syndrome Progressive Scleroderma
Brain aneurysm surgery or Cerebral shunt insertion Carotid artery surgery Stroke
Minimally invasive surgery to Aorta or Large asymptomatic aortic aneurysm - Surgery to the Aorta
- - Systemic Lupus Erythematosus with Lupus Nephritis
Viral Encephalitis with full recovery - Viral Encephalitis

Footnotes:

  1. The full list of benefits covered and their definitions may 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 is applicable before a claim can be made.
  2. There is a waiting period of 90 days from the date of issue or reinstatement whichever is later. Survival period is applicable before a claim can be made. We will only pay provided the policy is not terminated or fully claimed. A claim under the Special Benefit will not activate the premium waiver benefit nor reduce the sum assured of PRUearly stage crisis cover.
  3. In the event Early Crisis Cover Provider is added, future assurance charges are waived after the first claim is made under the 50% Severity Payout.
  4. 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.

 

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. Buying a life insurance policy is a long-term commitment. 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 this insurance product 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.

In case of discrepancy between the English and Mandarin versions of the e-Brochures, the English version shall prevail.

Information is correct as at 22 March 2017.

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