Whether you’re a young woman, poised to start a new chapter in your life; a busy mother, juggling priorities and nap times or a focused and ambitious professional. Or, all three. You no longer have to compromise and choose.

You can set your own limits. Or, simply break free of them. To do all this, you need to protect your health so you can focus on living your life to the fullest.

That’s why we’ve designed PRUlady, a unique health plan especially for women. With a choice of four plans, you enjoy comprehensive coverage through every stage in your life1. Be free to pursue your dreams and push yourself to be the best you can be.

Key Benefits

  • Preventive health screening once every 2 years2
  • Comprehensive coverage specific for women
    • Covers female-related medical conditions3 and procedures3
    • Covers reconstructive or skin grafting surgeries3
    • Provides coverage for post diagnosis support3
  • Premium waiver for 36 months upon female illnesses claim4
  • Optional add-on coverage to include
    • Pregnancy complications
    • Congenital illnesses
    • Hospital care

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Critical Illness Insurance - 300% Women's Health Coverage

Up to 300%5 coverage on female-related conditions and procedures

Critical Illness Insurance For Women - Health Screening

Once every 2 years, starting from the 3rd policy year

Critical Illness Insurance For Women - Discount on Premium

On first year premium for selected Prudential policies6 at significant life events7

Critical Illness Insurance - Maternity Coverage

Optional benefit 8 for add-on during pregnancy

Product Details

Product Type

Critical Illness

Payment Term

Regular premium
Before the policy anniversary preceding 65 or 75 years old

Policy Term

Before the policy anniversary preceding 65 or 75 years old

Issuance Age

17 to 55 Age Next Birthday


Plan A+: $25,000 sum assured

Plan B+: $50,000 sum assured

Plan C+: $75,000 sum assured

Plan D+: $100,000 sum assured


+ The sum assured applies to Female Illnesses Benefit, Medical Procedures Benefit and Reconstructive Surgery or Skin Grafting Benefit

Maturity Benefit

Not Applicable

Death Benefit

Not Applicable

Total & Permanent Disability Benefit

Not Applicable

Cash Benefit

Not Applicable

Critical Illness Benefit

A percentage of the sum assured in one lump sum upon the diagnosis of any of the listed female illnesses 

Accidental Death Benefit

Not Applicable


Maternity Cover Plus

Choose from 4 plans with different benefits covered by PRUlady

Benefits Sum Assured (S$)
Plan A Plan B Plan C Plan D
Female Illnesses benefit9 25,000 50,000 75,000 100,000
Medical Procedures benefit9 25,000 50,000 75,000 100,000
Reconstructive Surgery or Skin Grafting benefit9 25,000 50,000 75,000 100,000
Support benefit9 25,000 25,000 25,000 25,000
Waiver of premium Waives premiums for 36 months upon Female Illnesses benefit claim of at least 50% of sum assured
Biennial Medical Screening Package 1
(23 tests inclusive of complete history taking)
Package 2
(25 tests inclusive of complete history taking)
Loyalty benefit 15% discount on first year premium (of selected policies purchased upon life event)
Benefits Maternity Cover Plus Sum Assured (S$) - Optional
Pregnancy Complications 5,000 10,000 15,000 20,000
Congenital Illnesses10 5,000 10,000 15,000 20,000
Hospital Care11 5,000 10,000 15,000 20,000


Critical Illness Insurance For Women - How PRUlady Works


  1. Life assured is covered up to before the policy anniversary preceding 65 or 75 years old.
  2. Biennial health screening starts from the 3rd policy year. The medical tests offered will depend on the plan chosen under your PRUlady policy. For full details of the tests that you’ll be entitled to, please refer to the product summary that can be obtained from your Prudential Financial Consultant.
  3. 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 PRUlady, each covered female illness, medical procedure, reconstructive surgery or skin grafting and post diagnosis support shall be payable once only.
  4. The female illness claim should be at least 50% of the sum assured. The waiver of premium can be activated up to 2 times during the policy term.
  5. To claim 300%, the life assured will need to make a full claim for the Female Illnesses Benefit, Medical Procedures Benefit and Reconstructive Surgery or Skin Grafting Benefit.
  6. 15% discount on the first year premium of selected policies bought for significant life events. Maximum of 2 new policies per event and for a maximum total yearly premium of $10,000 (including additional premiums for supplementary benefits). Only applicable for PRUlife, PRUlife limited pay, PRUlife multiplier flex, PRUsave, PRUflexicash, PRUTerm Ascend, PRUmortgage, PRUmultiple crisis cover, PRUpersonal accident, PRUTerm Vantage (SGD or USD), PRUearly stage crisis cover, PRUlady and PRUman. The list of eligible products is subject to change.
  7. The significant events included are getting married, divorcing a spouse, delivering a baby, legally adopting a child, death of a spouse, marriage of her children, child entering primary school and child entering secondary school.
  8. For Maternity Cover Plus, each covered pregnancy complication and congenital illness shall be payable only once. The total sum assured payable for all benefits (except for hospital care) is subject to a payout of 100% of sum assured.
    1% of the sum assured (subject to a limit of 100% of sum assured) for Hospital Care.
  9. There is a waiting period of 90 days from the date of issue or reinstatement whichever is latest (depending on the benefit and cover). No benefit will be payable for events occurring before or within this waiting period (if any) or the survival period of 7 days (if any).
  10. Payout will be doubled for twins in the event both infants suffer from Congenital Illness. If the claim is made on one of the twins only, this benefit continues to be available for the other twin.
  11. If the life assured has twins, Hospital Care benefit will apply to both twins separately. This means that if both twins are hospitalised, we will pay 1% of the sum assured for your type of plan, for each day of hospitalisation to each twin.



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 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 18 May 2017.

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