Vital Crisis Care

Regular Premium

Minimum 10 years and

up to 80 Age Next Birthday

PRUmultiple crisis cover

Regular Premium:

  • 20 to 98 years, up to 99 Age Next Birthday
Crisis Cover III

10 to 45 years, up to 85 Age Next Birthday

Crisis Cover Limited Pay III

5 / 10 / 15 years

Crisis Cover Extra

5, 10 to 45 years, depending on basic plan

Crisis Cover Provider III

Regular Premium

Crisis Waiver III

1 to 74 years

Up to 85 Age Next Birthday

Early Stage Crisis Waiver

1 to 74 years, depending on basic plan up to 85 Age Next Birthday

Crisis Cover Kids

Regular Premium:

  • 10 to 24 years, or
  • up to 25 Age Next Birthday, whichever is earlier
Early Crisis Multiplier Flex

Limited Premium3:

  • 10 / 15 / 20 / 25 years
Early Crisis Cover Limited Pay

Limited Premium: 10/ 15 / 25 years

Early Payer Security

When Early Payer Security is attached to the same policy as Payer Security III:

Minimum: 5 years

Maximum:

  • 25 years less childs's age at entry, or
  • 60 years less at entry, or
  • Premium payment term of juvenile policy, whichever is lowest.

When Early Payer Security is attached to the same policy as Payer Security Plus:

Minimum: 5 years

Maximum:

  • Premium payment term, or
  • 85 years less payer's age at entry, whichever is lower.
Payer Security III

Minimum: 5 years

Maximum:

  • 25 years less Child's age at entry, or
  • 60 years less Payer's age at entry or
  • Premium payment term of juvenile policy, whichever is lowest
Payer Security Plus

Minimum: 5 years

Maximum:

  • Premium payment term, or
  • 85 years less Payer's age at entry, whichever is lower
Disability Provider III

Up to 65 Age Next Birthday

Disability Provider Limited Pay III

5 / 10 / 15 / 25 years

Medical Cash

Minimum: 5 years

Maximum: 75 Age Next Birthday or up to premium term of basic plan.

PRUsmart lady II

Regular Premium: 10 to 65 years

Term Vantage

Minimum: 6 years

Maximum: Shorter of

  • Basic policy term or
  • 100 less Age of Entry
Crisis Cover Ascend

10 to 57 years

Up to 75 Age Next Birthday

Crisis Care (PRUTerm Vantage)

10 to 79 years

up to 100 years of age

Early Stage Crisis Cover

5 to 84 years

Up to 85 Age Next Birthday

Early Stage Disability

Up to 70 Age Next Birthday

Accident Assist

Minimum: 5 years

Maximum: Shorter of

  • Basic plan policy term
  • 75 - Age of Entry
Fracture Care PA

10 to 79 years up to 80 Age next Birthday.

Crisis Waiver USD

5 to 49 years

Up to 80 Age Next Birthday

Payer Security USD

Minimum: 5 years

Maximum:

- Lower of:

  • 25 less age next birthday of juvenile at entry or
  • 65 less age next birthday of parent / guardian at entry, or
  • premium paying term of juvenile policy
PRUDecreasing Term Vantage

Single Premium

Early Crisis Cover Provider

25 to 84 years

Up to 85 Age Next Birthday

Recovery Aid

Up to the shorter of:

  • Basic plan's policy term or
  • 75 Age Next Birthday minus Age of Entry
Vital Crisis Care

Minimum 10 years and

up to 80 Age Next Birthday

PRUmultiple crisis cover

20 to 98 years

Up to 99 Age Next Birthday

Crisis Cover III

Whole of Life

10 to 45 years

Crisis Cover Limited Pay III

Whole of Life

Crisis Cover Extra

10 to 45 years, depending on basic plan

Crisis Cover Provider III

Whole of Life

Crisis Waiver III

1 to 74 years

Up to 85 Age Next Birthday

Early Stage Crisis Waiver

1 to 74 years, depending on basic plan up to 85 Age Next Birthday

The term of this plan must be equal to the remaining premium term of the plan to which it is attached.

Crisis Cover Kids
  • 10 to 24 years, or
  • up to 25 Age Next Birthday, whichever is earlier
Early Crisis Multiplier Flex

Whole of Life

Early Crisis Cover Limited Pay

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

Early Payer Security

When Early Payer Security is attached to the same policy as Payer Security III:

Minimum: 5 years

Maximum:

  • 25 years less childs's age at entry, or
  • 60 years less at entry, or
  • Premium payment term of juvenile policy, whichever is lowest.

When Early Payer Security is attached to the same policy as Payer Security Plus:

Minimum: 5 years

Maximum:

  • Premium payment term, or
  • 85 years less payer's age at entry, whichever is lower.
Payer Security III

Minimum: 5 years

Maximum:

  • 25 years less Child's age at entry, or
  • 60 years less Payer's age at entry or
  • Premium payment term of juvenile policy, whichever is lowest
Payer Security Plus

Minimum: 5 years

Maximum:

  • Premium payment term, or
  • 85 years less Payer's age at entry, whichever is lower
Disability Provider III

Up to 65 Age Next Birthday

Disability Provider Limited Pay III

Up to 65 Age Next Birthday

Medical Cash

Minimum: 5 years

Maximum: 75 Age Next Birthday or up to premium term of basic plan.

PRUsmart lady II

10 to 65 years

Up to 65 Age Next Birthday

Term Vantage

Minimum: 6 years

Maximum: Shorter of

  • Basic policy term or
  • 100 less Age of Entry
Crisis Cover Ascend

10 to 57 years

Up to 75 Age Next Birthday

Crisis Care (PRUTerm Vantage)

10 to 79 years

up to 100 years of age

Early Stage Crisis Cover

5 to 84 years

Up to 85 Age Next Birthday

Early Stage Disability

5 to 54 years

Up to 70 Age Next Birthday

Accident Assist

Minimum: 5 years

Maximum: Shorter of

  • Basic plan policy term
  • 75 - Age of Entry
Fracture Care PA

10 to 79 years up to 80 Age next Birthday.

Crisis Waiver USD

5 to 49 years

Up to 80 Age Next Birthday

Payer Security USD

Same as premium payment term

PRUDecreasing Term Vantage

10 to 99 years1

Early Crisis Cover Provider

25 to 84 years

Up to 85 Age Next Birthday

Recovery Aid

Up to the shorter of:

  • Basic plan's policy term or
  • 75 Age Next Birthday minus Age of Entry
Vital Crisis Care

30 to 65 Age Next Birthday

PRUmultiple crisis cover

1 to 65 Age Next Birthday

Crisis Cover III

1 to 60 Age Next Birthday

Crisis Cover Limited Pay III

1 to 65 Age Next Birthday

Crisis Cover Extra

Between 1 and 60 Age Next Birthday

Crisis Cover Provider III

1 to 60 Age Next Birthday

Crisis Waiver III

11 to 70 Age Next Birthday

Early Stage Crisis Waiver

11 to 70 Age Next Birthday

Crisis Cover Kids

1 to 15 Age Next Birthday

Early Crisis Multiplier Flex

1 to 60 Age Next Birthday

Early Crisis Cover Limited Pay

1 to 55 Age Next Birthday

Early Payer Security

Parent/Legal guardian/Spouse:

  • 17 to 70 Age Next Birthday

Child or Ward:

  • 1 to 18 Age Next Birthday
Payer Security III

Parent or legal guardian:

  • 17 to 55 Age Next Birthday

Child or Ward:

  • 1 to 20 Age Next Birthday
Payer Security Plus

Parent/Legal Guardian/Spouse:

  • 17 to 70 Age Next Birthday

Child or Ward:

  • 1 to 18 Age Next Birthday
Disability Provider III

16 to 64 Age Next Birthday

Disability Provider Limited Pay III

16 to 59 Age Next Birthday

Medical Cash

1 to 65 Age Next Birthday

PRUsmart lady II

16 to 55 Age Next Birthday

Term Vantage

21 to 75 Age Next Birthday

Crisis Cover Ascend

18 to 70 Age Next Birthday

Crisis Care (PRUTerm Vantage)

21 to 65 Age Next Birthday

Early Stage Crisis Cover

1 to 65 Age Next Birthday

Early Stage Disability

16 to 60 Age Next Birthday

Accident Assist

1 to 65 Age Next Birthday

Fracture Care PA

1 to 70 Age Next Birthday

Crisis Waiver USD

11 to 70 Age Next Birthday

Payer Security USD

Child:

  • 1 to 20 Age Next Birthday

Adult:

  • 17 to 50 Age Next Birthday
PRUDecreasing Term Vantage

1 to 75 Age Next Birthday

Early Crisis Cover Provider

1 to 60 Age Next Birthday

Recovery Aid

1 to 65 Age Next Birthday

Vital Crisis Care

Not Applicable

PRUmultiple crisis cover

Not Applicable

Crisis Cover III

Not Applicable

Crisis Cover Limited Pay III

Not Applicable

Crisis Cover Extra

Not Applicable

Crisis Cover Provider III

Not Applicable

Crisis Waiver III

Not Applicable

Early Stage Crisis Waiver

Not Applicable

Crisis Cover Kids

Not Applicable

Early Crisis Multiplier Flex

Not Applicable

Early Crisis Cover Limited Pay

Not Applicable

Early Payer Security

Not Applicable

Payer Security III

Not Applicable

Payer Security Plus

Not Applicable

Disability Provider III

Not Applicable

Disability Provider Limited Pay III

Not Applicable

Medical Cash

Not Applicable

PRUsmart lady II

Not Applicable

Term Vantage

Not Applicable

Crisis Cover Ascend

Not Applicable

Crisis Care (PRUTerm Vantage)

Not Applicable

Early Stage Crisis Cover

Not Applicable

Early Stage Disability

Not Applicable

Accident Assist

Accidental Death and Dismemberment Benefit

  • up to $1,000,000 depending on plan choosen
  • 3 times payout4
    • Public transportation accidents1
  • 2 times payout4
    • Private tranport accidents1 and pedestrian accidents, building fires and accidents during school time2
  • Coverage increases by up to 25% in the first 5 years if no claims are made3.
Fracture Care PA

Not Applicable

Crisis Waiver USD

Not Applicable

Payer Security USD

Not Applicable

PRUDecreasing Term Vantage

Not Applicable

Early Crisis Cover Provider

Not Applicable

Recovery Aid

Family Support Fund Benefit

$30,000 - $200,000 (Varies according to selected plan)

Vital Crisis Care

Minimum Sum Assured: $50,000

Maximum Sum Assured: $500,000 or the sum assured of the base plan, whichever is lower

PRUmultiple crisis cover

Minimum Sum Assured:

  • $10,000

Maximum Sum Assured:

  • Juveniles (1 - 16 Age Next Birthday): $285,500
  • Adults (17 Age Next Birthday and above): $2,057,000
Crisis Cover III

Minimum Sum Assured: $10,000

Maximum Sum Assured: $3,600,000

Crisis Cover Limited Pay III

Minimum Sum Assured: $10,000

Maximum Sum Assured: $3,600,000

Crisis Cover Extra

Minimum Sum Assured: $10,000

Maximum Sum Assured: $3,600,000

Crisis Cover Provider III

Maximum Sum Assured:

  • 2 times of the PRUlink enhanced protector sum assured for death
Crisis Waiver III

Not Applicable

Early Stage Crisis Waiver

Maximum Premium to Be Waived:

  • $15,000 per annum, per life
Crisis Cover Kids

Maximum Sum Assured: $50,000

Early Crisis Multiplier Flex

Minimum Sum Assured: $10,000

Maximum Multiplier Benefit: $350,000

Early Crisis Cover Limited Pay

Minimum Sum Assured: $10,000

Maximum Sum Assured: $250,000

Early Payer Security

Maximum Premium to Be Waived:

  • $15,000 per annum, per life
Payer Security III

Maximum Premium to Be Waived:

  • $15,000 per annum, per life
Payer Security Plus

Maximum Premium to Be Waiveed:

  • Lump Sum Sum Assured = Per Annum Sum Assured * Min (20, 80% * Policy Term)
Disability Provider III

Minimum Sum Assured:

  • $1000 per annum

Maximum Sum Assured:

  • $100,000 per annum
Disability Provider Limited Pay III

Minimum Sum Assured: $1000 per annum

Maximum Sum Assured: $100,000 per annum

Medical Cash

Minimum Daily Sum Assured: $150

Maximum Daily Sum Assured:

  • Juveniles: $150
  • Working Adults: $500
PRUsmart lady II

Minimum Sum Assured: $10,000

Maximum Sum Assured: $50,000

Term Vantage

Minimum Sum Assured: $500,000

Maximum Sum Assured: $1,000,0003

Crisis Cover Ascend

Minimum Sum Assured: $30,000

Maximum Sum Assured: $3,000,000

Crisis Care (PRUTerm Vantage)

Minimum Sum Assured: $250,000

Maximum Sum Assured: $3,600,000

Early Stage Crisis Cover

Minimum Sum Assured: $10,000

Maximum Sum Assured: $250,000

Early Stage Disability

Minimum Sum Assured: $10,000

Maximum Sum Assured: $100,000

Accident Assist

Minimum Sum Assured: $100,000

Maximum Sum Assured: $1,000,000

Fracture Care PA

Minimum Sum Assured: $25,000

Maximum Sum Assured: $100,000

Crisis Waiver USD

Maximum premium to be waived = US$16,300 per annum.

Payer Security USD

Not Applicable

PRUDecreasing Term Vantage

Minimum Sum Assured: $2,000

Maximum Sum Assured: $500,000

Early Crisis Cover Provider

Minimum Sum Assured: $10,000

Maximum Sum Assured: $250,000

Recovery Aid

Sum Assured varies across benefits and different plans

Vital Crisis Care

If a life assured is diagnosed as having any one of the 5 critical illnesses, the sum assured2 of the policy shall be payable in one lump sum. The 5 critical illnesses conditions are:

  • Heart Attack of Specified Severity
  • Stroke
  • Major Cancers
  • Kidney Failure
  • Blindness
PRUmultiple crisis cover

Death Benefit:

  • Sum assured of $3,000 in a lump sum , if death or Terminal Illness occurs during policy term.

Multiple Crisis Cover Benefit:

  • Up to three critical illness claims1, inclusive of two cancer claims1.

One-time claim benefit for Angioplasty and Other Invasive Treatment for Coronary Artery3, 10% of sum assured subject to a maximum amount of $25,000.

Waives all future premiums upon the first Listed Critical Illness claim and upon Total and Permanent Disability.

Crisis Cover III
  • 100% of sum assured in a lump sum upon diagnosis of any one of the 36 listed Critical Illnesses1
  • For Angioplasty and Other Invasive Treatment for Coronary Artery, we pay 10%2 of the benefit subject to a maximum amount of $25,000.
Crisis Cover Limited Pay III
  • 100% of sum assured in a lump sum upon diagnosis of any one of the 36 listed Critical Illnesses1
  • For Angioplasty and Other Invasive Treatment for Coronary Artery, we pay 10%2 of the benefit subject to a maximum amount of $25,000.
Crisis Cover Extra
  • Provides an additional lump sum payout (100% of sum assured) upon diagnosis of any one of the 36 listed Critical Illnesses2
    • Except for Angioplasty and Other Invasive Treatment for Coronary Artery, where we pay 10%3 of the benefit subject to a maximum amount of $25,000.
  • Claims made do not affect death, terminal illness or total permanent disability benefits of the main plan.
Crisis Cover Provider III
  • Provides an additional lump sum payout (100% of sum assured) upon diagnosis of any one of the 36 listed Critical Illnesses1.
    • Except for Angioplasty and Other Invasive Treatment for Coronary Artery, where we pay 10%2 of the sum assured for Crisis Cover Provider III, subject to a maximum amount of $25,000
  • Claims made do not affect death, Terminal Illness or Total Permanent Disability benefits of the main plan.
Crisis Waiver III
  • Waives the future premiums3 of the covered benefits upon diagnosis of any one of the 35 Critical Illnesses listed.
Early Stage Crisis Waiver
  • Waives your premiums of the covered benefits for 5 years upon the diagnosis of Early Stage Medical Conditions3 and allows a claim for a second time4.
  • Waives your premiums for 10 years5 upon the diagnosis of Intermediate Stage Medical Conditions.
Crisis Cover Kids
  • Provides an additional lump sum payout (100% of sum assured) upon diagnosis of any one of the 12 listed juvenile critical illnesses
  • Claims made do not affect, if any, death, terminal illness or total permanent disability benefits of the main plan
Early Crisis Multiplier Flex
  • Allows second claim if the medical condition2 deteriorates or a different medical condition2 occurs after the claim on the Early Stage benefit is made. Early Crisis Multiplier Flex will pay the balance of this benefit immediately after the first claim4.
  • Waiver of all future premiums5 upon a successful claim under the Early Stage benefit.
  • Additional coverage on selected diabetic complications and Juvenile Medical Conditions.
Early Crisis Cover Limited Pay
  • 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
Early Payer Security

Early3 Stage Medical Conditions Benefit:

  • Waives future premiums for 5 years, or the remaining premium payment term of the covered benefits, whichever is shorter.

Intermediate4 Stage Medical Conditions Benefit:

  • Waives future premiums for 10 years, or the remaining premium payment term of the covered benefits, whichever is shorter.
Payer Security III

Waives the premiums of your child’s policy in the event that death, Total and Permanent Disability or Critical Illnesses strike you or your spouse. This benefit covers you or your spouse up to the end of the premium term or when your child turns 252, whichever is earlier.

Payer Security Plus

Help to waive the premiums of your spouse’s or your child’s policy in the event that death, Total and Permanent Disability2 or Critical Illness should strike you. This benefit covers you up to the end of the premium term or when you turn 853, whichever is earlier.

Disability Provider III

Provides regular annual income of sum assured from the first anniversary of Total and Permanent Disability, and every anniversary thereafter, up to 65 years of age.

Disability Provider Limited Pay III

Provides regular annual income of sum assured from the first anniversary of Total and Permanent Disability and every anniversary thereafter, up to 65 years of age.

Medical Cash
  • Daily income protection1 of up to $5002 for each day of hospitalisation3
  • Triple your sum assured for each day of hospitalisation in an Intensive Care Unit4 (ICU) Daily cash benefit of 150% of the sum assured for each day of hospitalisation3 in the High Dependency5 Unit (HDU) or Coronary Care Unit (CCU)5
  • Pays on top of an existing hospital or medical plan
  • Coverage6 includes hospitalisation due to pregnancy complications, congenital abnormalities or HIV due to blood transfusion and occupationally acquired HIV
PRUsmart lady II
  • Lump sum payment upon diagnosis of selected major female illnesses.
  • Covers selected treatment expenses for a variety of female related procedures
  • Reimburses for reconstructive surgery and skins grafts caused by mishap, major burns or skin cancer
  • Comprehensive female medical checkup every two years
  • Exclusive loyalty benefit of 15% off first year policy premiums when you purchase a policy2 for you, your spouse or child upon significant events in life
Term Vantage

Death Benefit:

  • 100% of sum assured in a lump sum.

Terminal Illness Beneffit:

  • Accelerated Terminal Illness Benefit in a lump sum.
Crisis Cover Ascend
  • Accelerates the payment of 100% of sum assured in a lump sum upon diagnosis of any one of the 36 listed Critical Illnesses2
  • For Angioplasty and Other Invasive Treatment for Coronary Artery, we pay 10%3 of the benefit subject to a maximum amount of $25,000.
Crisis Care (PRUTerm Vantage)
  • 100% of sum assured2 in a lump sum upon diagnosis of any one of the 36 listed Critical Illnesses
  • For Angioplasty and Other Invasive Treatment for Coronary Artery, we pay 10%3 of the benefit subject to a maximum amount of $25,000.
  • 20% of sum assured2 upon diagnosis of Diabetic Complication
Early Stage Crisis Cover
  • 100% of sum assured in a lump sum upon diagnosis of any one of the 36 listed Critical Illnesses or Intermediate Stage Critical Illness
  • 50% of sum assured in a lump sum upon diagnosis of Early Stage Critical Illness
  • For Angioplasty and Other Invasive Treatment for Coronary Artery, we pay 10% of the benefit subject to a maximum amount of $25,000.
  • 20% of sum assured upon diagnosis of Diabetic Complication3.
Early Stage Disability
  • Partial or Full payout of Sum Assured upon diagnosis of at least 2 of the listed Quality of Life Conditions1.
  • Full payout of Sum Assured for Total and Permanent Disability2
  • Covers Special Risks such as winter sports, scuba diving3, etc.
Accident Assist

Reimburses treatment bills including Traditional Chinese Medicine (TCM) bills

Fracture Care PA
  • Lump sum payout for fractures, burns and dislocations based on benefit schedule.
  • Double3 the payout for severe fractures due to travelling in a Public Conveyance.3
  • Mobility Aid Benefit1
  • House Fitting Benefit2
  • Recovery Benefit5
Crisis Waiver USD

Waives future premiums upon diagnosis 35 Critical Illnesses

Payer Security USD
  • Waives future premiums for basic plan and covered riders
    • up to the premium payment term or the policy anniversary before the child turns 251, whichever occurs first,
    • in the event that the payer or guardian dies, suffers total and permanent disability or is diagnosed with any one of the 35 critical illnesses.

  • Angioplasty & other Invasive Treatment for Coronary Artery is not covered.
PRUDecreasing Term Vantage

Death Benefit

Accelerated Terminal Illness Benefit

Accelerated TPD Benefit (Optional)

Early Crisis Cover Provider
  • 100% of sum assured in a lump sum upon diagnosis of any one of the 36 listed Critical Illnesses or Intermediate Stage Critical Illness
  • 50% of sum assured in a lump sum upon diagnosis of Early Stage Critical Illness
  • For Angioplasty and Other Invasive Treatment for Coronary Artery, we pay 10% of the benefit subject to a maximum amount of $25,000.
  • 20% of sum assured upon diagnosis of Diabetic Complications
  • 25% of sum assured upon diagnosis of Juvenile Medical Conditions
Recovery Aid

Daily Accidental Hospital Income

  • For hospital confinement due to accidental injury

Mobility Aid benefit

  • Reimbursement for expenses incurred in the purchase or rental of mobility aids(s)

Travel and Medical Assistance benefit Emergency Medical Evacuation and Repatriation benefit

  • A 24 hour emergency helpline is available for use when travelling aboard and in need of emergency assistance, emergency evacuation and repatriation
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