PRUpersonal accident

Your family is everything to you.

From minor everyday mishaps to unexpected injuries even when you are overseas, we understand that accidents – big and small – can be unpleasant for you and your family.

With PRUpersonal accident, you can complement existing hospitalisation or medical insurance, to ensure financial support in the event of an accident.

PRUpersonal accident is available as a supplementary benefit – Accident Assist, which can also be added to your selected main plans~.

Key Benefits*

  • Affordable premiums with 24-hour worldwide coverage
  • Covers accidents, food poisoning, animal and insect bites (including dengue fever and Zika virus)
  • 3 times payout – Public transport accidents
  • 2 times payout – Private transport and pedestrian accidents, building fires and accidents during school-time
  • Covers injuries sustained during National Service, reservist and adventurous activities+ like scuba diving
  • Reimburses treatment bills including Traditional Chinese Medicine (TCM) bills
  • Coverage increases by up to 25% in the first five years if no claims are made

*Terms & Conditions apply

 

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English Brochure

Chinese Brochure

 


Policyholders who have access to the 24-hour worldwide emergency helpline can place a
call to (65) 6338-7185 in the event they are seriously injured in an accident while
overseas.


Highlights

PRUpersonal accident Insurance - 24 Hour Worldwide Coverage

Worldwide coverage

PRUpersonal accident Insurance - Payout Upon Accident

Payout upon accidents

PRUpersonal accident Insurance - Increase in Sum Assured

In first five years if no claims made

PRUpersonal accident Insurance - Six Plan Types

Plan types

Product Details

Product Type

Accident plan

Payment Term

Regular Premium: 10 to 74 years or up to 75 Age Next Birthday, whichever is earlier

Policy Term

Min: 10 years

Max: 10 to 74 years or up to 75 Age Next Birthday, whichever is earlier

Issuance Age

1 to 65 Age Next Birthday

Limits

Minimum Sum Assured:

$100,000 (Plan A)

Maximum Sum Assured:

  • 1-16 Age Next Birthday: $500,000 (Plan C)
  • Above 17 Age Next Birthday:
    • Non-Income Earners - $500,000 (Plan C)
    • Working Adults - $1,000,000 (Plan F)
Maturity Benefit

Not Applicable

Death Benefit

Not Applicable

Total & Permanent Disability Benefit

Not Applicable

Cash Benefit

Not Applicable

Critical Illness Benefit

Not Applicable

Accidental Death Benefit

Accidental Death & Dismemberment: Up to 150% of Sum Assured + Step Up Sum Assured

3 times payout – Public transport* accidents (Examples of public transport are MRT, buses, taxis, airplanes, ferries.)

2 times payout – Private transport* and pedestrian accidents, building fires and accidents during school-time** (Building fires refer to fire at home, in a theatre, hotel, public auditorium, school, hospital (including community hospitals) or shopping mall provided the life assured was present within the premises at the start of the fire.)

Enhance Your Coverage

Recovery Aid, Fracture Care PA

Own the right coverage

Choose from 6 simple plans with different payouts and premiums based on the coverage you need.

PRUpersonal accident and Accident Assist#
Benefits Sum Assured (S$)
Plan A Plan B Plan C Plan D Plan E Plan F
Accidental Death and Dismemberment Benefit1 100,000 200,000 300,000 500,000 750,000 1,000,000
Double Accidental Death and Dismemberment Benefit2 200,000 400,000 600,000 1,000,000 1,500,000 2,000,000
Triple Accidental Death and Dismemberment Benefit2 300,000 600,000 900,000 1,500,000 2,250,000 3,000,000
Medical Reimbursement Benefit (per accident) >>
This benefit refers to the reimbursement3 of medical expenses incurred as a result of an accident.
Up to 2,000 Up to 2,500 Up to 3,000 Up to 4,000 Up to 5,000 Up to 6,000
Traditional Chinese Medical Benefit (per accident) >>
This benefit refers to the reimbursement3 of TCM expenses incurred for bodily injuries
Up to 500 Up to 500 Up to 1,000 Up to 1,000 Up to 1,250 Up to 1,500
Occupation Class PRUpersonal accident# Annual Premiums^@ (S$)
Occupation Class 1 & 2 175.00 270.00 380.00 468.00 670.00 890.00
Occupation Class 3 306.25 472.50 665.00 819.00 1,172.50 1,557.50
Occupation Class 4 437.50 675.00 950.00 1,170.00 1,675.00 2,225.00
Occupation Class Accident Assist# Annual Premiums^ (S$)
Occupation Class 1 & 2 158.00 243.00 342.00 421.00 603.00 801.00
Occupation Class 3 276.50 425.25 598.50 736.75 1,055.25 1,401.75
Occupation Class 4 395.00 607.50 855.00 1,052.50 1,507.50 2,002.50


Enhance your plan with these optional benefits that give you extended coverage to aid your recovery.

Optional: Recovery Aid#
Benefits Sum Assured (S$)
Plan A Plan B Plan C Plan D Plan E Plan F
Daily Accidental Hospital Income Benefit (per day, maximum of 365 days per accident) >>
The payout of this benefit is for hospital confinement due to accidental injury
50 100 150 250 350 450
Daily Accidental ICU Benefit (per day, maximum of 365 days per accident) >>
The payout4 of this benefit is for confinement in the ICU due to accidental injury
50 100 150 250 350 450
Mobility Aid Benefit (per accident) >>
This benefit refers to the reimbursement for expenses incurred in the purchase or rental of mobility aid(s)
Up to 1,000 Up to 1,000 Up to 1,000 Up to 2,000 Up to 2,000 Up to 2,500
Get Well Transport Benefit (per accident) >>
This benefit refers to the reimbursement of the transportation expenses incurred from the hospital to home
Up to 50 Up to 50 Up to 50 Up to 50 Up to 50 Up to 50
Family Support Fund Benefit >>
This fund provides additional support for the family in the event of accidental death
30,000 30,000 60,000 100,000 150,000 200,000
Travel and Medical Assistance Benefit >>
A 24-hour emergency helpline5 is available for use when travelling abroad and in need of emergency assistance
24-hour Worldwide Assistance
Emergency Medical Evacuation and Repatriation Benefit >>
A 24-hour emergency helpline5 is available for use when travelling abroad and in need of emergency evacuation and repatriation
Unlimited
Occupation Class Recovery Aid# (on PRUpersonal accident) Annual Premiums^@ (S$)
Occupation Class 1 & 2 93.00 130.00 170.00 262.00 355.00 452.00
Occupation Class 3 162.75 227.50 297.50 458.50 621.25 791.00
Occupation Class 4 232.50 325.00 425.00 655.00 887.50 1,130.00
Occupation Class Recovery Aid# (on Accident Assist) Annual Premiums^ (S$)
Occupation Class 1 & 2 84.00 117.00 153.00 236.00 320.00 407.00
Occupation Class 3 147.00 204.75 267.75 413.00 560.00 712.25
Occupation Class 4 210.00 292.50 382.50 590.00 800.00 1,017.50

 

Optional: Fracture Care PA (on PRUpersonal accident)
Benefits Sum Assured (S$)
Plan 1 Plan 2 Plan 3 Plan 4
Fractures, Burns and Dislocations Benefit+ 25,000 50,000 75,000 100,000
House Fitting Expenses Benefit (Per policy) Up to 2,500 Up to 5,000 Up to 7,500 Up to 10,000
Mobility Aid Benefit (Per accident) Up to 250 Up to 500 Up to 750 Up to 1000
Recovery Benefit (One hospitalisation per accident) 250 500 750 1000
Age Next Birthday Annual Premiums^@ (S$)
Occupation Class 1
1 - 50 128.40 256.80 385.20 513.60
51 - 60 181.90 363.80 545.70 727.60
61 - 65 267.50 535.00 NA NA
  Occupation Class 2
1 - 50 160.50 321.00 481.50 642.00
51 - 60 227.38 454.75 682.13 909.50
61 - 65 334.38 668.75 NA NA
  Occupation Class 3
1 - 50 224.70 449.40 NA NA
51 - 60 318.33 636.65 NA NA
61 - 65 468.13 936.25 NA NA
  Occupation Class 4
1 - 50 321.00 642.00 NA NA
51 - 60 454.75 909.50 NA NA
61 - 65 668.75 1,337.50 NA NA

 

  1. The Accidental Death and Dismemberment Schedule which shows the percentage of the sum assured payable for accidents sustained is available in the Product Summary which can be obtained from your Prudential Financial Consultant. Please refer to the product summary for full terms and conditions.
  2. We will pay for either the Accidental Death and Dismemberment benefit or the Double/Triple Accidental Death and Dismemberment benefit but not both.
  3. If medical expenses are claimed from another insurance policy, PRUpersonal accident will only reimburse for any amount that is not covered.
  4. This benefit is paid out in addition to the Daily Accidental Hospital Income benefit.
  5. We provide a 24-hour worldwide emergency helpline in the event if the life assured is seriously injured in an accident while overseas. The life assured or the Prudential Financial Consultant can place a call to (65) 6338-7185.

Footnotes

~ Main plans include PRUflexi cash, PRUlife multiplier, PRUlink enhanced protector or PRUwealth SGD

* Excludes travelling as a fare-paying passenger in a vehicle (excluding taxis) driven by an individual who uses his/her personal vehicle or leases a vehicle as a driver partner with ride-sharing app companies.

** For life assured, age below 1 year to 16 years, who sustains an accidental injury or accidental death.

+ The payout will be reduced if the claim arises from the listed activities. Please refer to the full list of covered activities in the product summary which can be obtained from your Prudential Financial Consultant.

# PRUpersonal accident and Recovery Aid (on PRUpersonal accident) are renewable yearly up to the Policy Anniversary before the life assured turns 75 years old. Accident Assist and Recovery Aid (on Accident Assist) is renewable yearly up to the Policy Anniversary before the life assured turns 75 or the basic plan’s policy term, whichever is shorter. Renewability of the plans are not guaranteed.

^ Premiums listed are non-guaranteed.

@ Premiums are inclusive of the prevailing GST.

 

Note:

All benefits will only be payable upon an accident occurring.

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 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 this brochure, the English version shall prevail.

Information is correct as at 22 March 2017.

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