What is PRUActive Protect Series?

 

PRUActive Protect Series is a customisable critical illness insurance plan that allows you to choose a policy term from 10 years up to 99 years. It is designed to grow with you through life by providing you with the flexible option to add on coverage against pre-critical stage, recurring and relapse critical illness conditions and more, as and when your needs, priorities and budget grows.

Within the product series, you can choose between PRUActive Protect, covering 36 severe stage critical illnesses and PRUActive Protect II, covering 64 severe stage critical illnesses.

Benefits you can count on

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    Customisable protection that grows with the family

    Flexible critical illness protection with supplementary benefits that you can add anytime1.

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    Crisis Care Accelerator benefit

    Receive 50% of your critical illness coverage for serious illnesses or accidents requiring major surgery and Intensive Care Unit (ICU) admission2, so you can focus on recovery instead of financial stress during your family's most difficult time.

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    Extra coverage

    Build comprehensive coverage against relapses and recurring conditions, because protecting your ability to care for your family means planning for every possibility.

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    Child Cover Benefit

    Complimentary protection for your children against 36 critical illnesses and 9 juvenile conditions3 when both parents purchase PRUActive Protect.

Supplementary benefits

Protect Plus

Claim up to 500%4 of your basic critical illness coverage by restoring your basic critical illness coverage to 100% after a critical illness benefit claim.

Early Protect

Get coverage against pre-critical stage critical illnesses and receive a lump sum payout upon a pre-critical stage critical illness diagnosis5.

Early Protect Plus

Claim up to 500% of your Early Protect sum assured by restoring your Early Protect sum assured to 100% after a pre-critical stage critical illness benefit claim6.

Life Protect Plus

Receive an additional lump sum payout, of up to 100% of your basic critical illness coverage, upon death or terminal illness7.

Severe Infections Protect

Receive an additional lump sum payout when you are diagnosed with a serious infectious disease8 and is admitted to ICU for 5 or more consecutive days because of the infection.

Monthly Benefit

Receive monthly payouts9 between S$100 to S$5,000 for a period of either 1, 2 or 3 years on top of your lump sum payout when diagnosed with a critical illness.

Promotion

 

Act now and get 15% off your first-year premium.

Promotion Period: 2 September to 30 September 2026

Eligible Insurance PlanFirst-Year Premium Discount*#
PRUActive Protect II15%

Note: Ascend or Opus by Prudential customers and their families will be eligible for an additional 10%# off first-year premium on purchase of PRUActive Protect II if they pay premiums on annual mode.

Promotion terms and conditions apply.

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Important information


  1. Promotion Details

    1. Definitions:
    1. “Prudential” means Prudential Assurance Company Singapore (Pte) Limited.

    2. “Promotion Period” means the period between 2 September 2026 and 30 September 2026 (both dates inclusive).

    3. “Eligible Customer” means the policyholder whose proposal for any Eligible Insurance Plan is submitted to Prudential, and whose policy start date is, during the Promotion Period, having satisfied the eligibility criteria below.

    4. “Eligible Insurance Plan” means PRUActive Protect II meeting the criteria as stated in the Promotion Table below.

    5. “Discount” means the percentage discount given to the Eligible Customer as stated in the Promotion Table below.
    6. "Promotion table" means the table below.
      Promotion Table:

      Eligible Insurance PlanFirst-Year Premium Discount*#
      PRUActive Protect II15%

       


    2. Eligibility

    To be eligible for the Promotion, the Eligible Customer has to satisfy the following requirements in order to receive the Discount (as defined in the Promotion Table):

    1. The Eligible Customer’s proposal for an Eligible Single Premium Insurance Plan is submitted to Prudential during the Promotion Period and incepted by Prudential during the Inception Period.

    2. This Promotion is valid for all premium payment modes (monthly, quarterly, half-yearly, and annually) as applicable to the Eligible Insurance Plan.

    3. Ascend or Opus by Prudential customers and/or their family members will enjoy an additional 10% first-year premium discount for the eligible protection insurance plan, provided that the first-year premium of the Eligible Insurance Plan is paid on an annual basis.

    4. The Discount is not applicable should the Eligible Insurance Plan be Not Taken Up and subsequently reopened, or the Eligible Insurance Plan has lapsed and subsequently been reinstated.

    5. If the Eligible Customer's proposal for any Eligible Insurance Plan fulfils the criteria of other promotions carried out by Prudential, the promotion with the higher value will be granted to the Eligible Customer (unless otherwise stated).


    3. Discount

    1. An Eligible Customer is entitled to receive the Discount in accordance with the Promotion Table.

    2. The Discount will be applied on the total premiums payable for the base plan and supplementary benefit(s) (if any), including the additional premiums payable due to substandard loadings for the first policy year only.

    3. The Discount in this Promotion shall be on a ‘per-policy’ basis subject to the Terms and Conditions of this Promotion.

    4. The Discount on this Promotion is not applicable should the Eligible Insurance Plan be cancelled within the fourteen (14) day free-look period. The premium amount refunded will be based on the premium amount paid by the Eligible Customer.

    5. The Discount will be applied automatically at policy issuance upon meeting the eligibility criteria.
       
  2. General Terms and Conditions
    1. By participating in the Promotion, each Eligible Customer is deemed to have accepted and agreed to be bound by these Terms and Conditions contained herein and any other instructions, terms and conditions that Prudential may issue from time to time.

    2. Prudential assumes no responsibility for incomplete, lost, late, damaged, illegible or misdirected forms or email communication, for technical hardware or software failures of any kind, lost or unavailable network connections, or failed incomplete, garbled or delayed electronic transmission which may limit an Eligible Customer’s ability to participate in the Promotion.

    3. Prudential has the sole and absolute discretion to exclude any Eligible Customer from participating in the Promotion without any obligation to furnish notice and/or reason.

    4. Prudential reserves the right to disqualify or disregard any Eligible Customer who does not comply with the Terms and Conditions.

    5. Prudential may at its discretion forfeit the Discount, or, if already awarded, reclaim the Discount at the expense of the Eligible Customer without payment, compensation, or having to give any reason whatsoever in the event Prudential subsequently discovers that the Eligible Customer is not eligible to participate in the Promotion and/or to receive the Discount.

    6. Prudential reserves the right to replace any Discount with items of similar value at any time without prior notice.

    7. Prudential reserves the right to request for the Eligible Customers’ proof of eligibility, identity and/or otherwise for the purposes of verifying the Eligible Customer’s claim to the Discount. Prudential is under no obligation whatsoever to disclose the identity of the Eligible Customers or to publish the same for any reason at any point of time.

    8. The Discount is not exchangeable for cash, credit or any other items of equivalent value. The validity period of the Discount is non-extendable.

    9. The Promotion is not valid in conjunction with other promotions carried out by Prudential.

    10. By participating in this Promotion, each Eligible Customer agrees and consents under the Personal Data Protection Act (Cap 26 of 2012) to the collection, use and disclosure of any and all personal data of the Eligible Customer by/to Prudential, advertising and promotional agencies of the Promotion and such other third party, in Prudential’s absolute discretion, consider appropriate or necessary in connection with the Promotion and the Discount.

    11. If an Eligible Customer provides Prudential with personal data of any third party, that Eligible Customer hereby:
      1. Agrees on behalf of that third party to be bound by the Terms and Conditions contained herein; and
      2. Consents on behalf of that third party, to Prudential’s collection, use, disclosure and processing of his/her personal data in accordance with the Terms and Conditions contained herein.

      The Eligible Customer warrants that he/she has obtained the said third party’s prior consent to such collection, use, disclosure and processing of his/her personal data by Prudential and that the personal data that the Eligible Customer provides to Prudential is true, accurate and complete.

    12. Prudential shall not be liable for any third party’s misuse of the Eligible Customer’s submitted information and photograph as a result of the Eligible Customer taking part in the Promotion.

    13. Unless prohibited by law, participation in the Promotion constitutes permission for Prudential, its advertising and promotional agencies to use any of the Eligible Customer’s names, and/or likeness for advertising and promotional purposes. Each Eligible Customer further agrees and acknowledges that the copyright and all other intellectual property rights in and to all photographs or audio-video or other recordings of the Eligible Customer taken or made in connection with the Promotion shall vest solely and absolutely in Prudential without any compensation to the Eligible Customer.

    14. Prudential may at any time at its absolute discretion, without prior notice or assigning any reason thereof or being liable to any person, (i) suspend, cancel or terminate the Promotion, or (ii) delete, vary, supplement, amend, modify any one or more of the terms and conditions of the Promotion. Prudential’s determination of all matters in connection with the Promotion and the Discount shall be final, binding and conclusive. Prudential is not obliged to give any reason or prior notice on any matter concerning the Promotion or the Discount. No appeal, correspondence or claims will be entertained. Prudential has the right and discretion to determine whether a party has met the requirements of the Promotion and/or to receive the Discount. Eligible Customers shall not be entitled to any damages or compensation whatsoever or howsoever arising as a result of such amendment, suspension or termination.

    15. By participating in the Promotion, all Eligible Customers agree and undertake to, at all times, indemnify, keep indemnified, and hold Prudential, its employees and agents harmless against all losses (including direct, indirect, incidental and/or consequential losses), damages (including general, special, and/or punitive damages), demands, injuries (other than personal injury caused by Prudential’s negligence), claims, costs, penalties, interest and fees (including all legal fees as between solicitor and client or otherwise on a full indemnity basis whether or not incurred in respect of any real, anticipated, or threatened legal proceedings), howsoever caused by, arising or resulting from, whether directly or indirectly, their participation in the Promotion, acceptance or usage of any Discount, and/or any breach or purported breach of these terms and conditions and/or any applicable law.

    16. In the event of any inconsistency or discrepancy between the Terms and Conditions and the contents of any brochure, marketing and/or promotional materials relating to the Promotion, these Terms and Conditions shall prevail.

    17. Any trademarks, graphic symbols, logos or intellectual property contained in any materials used in connection with this Promotion, in particular the Discount, are the property of their respective owners. Prudential is not affiliated with, or endorsed or sponsored by, such owners and their relevant affiliates.

    18. Failure by Prudential to exercise any of its right or remedy under these Terms and Conditions does not constitute a waiver of that right or remedy.

    19. The Terms and Conditions shall be governed by Singapore law and the Eligible Customers agree to submit to the exclusive jurisdiction of the courts of Singapore.

    20. A person who is not a party to any agreement governed by these terms and conditions shall have no right under the Contracts (Right of Third Parties) Act (Cap 53B) to enforce any of these Terms and Conditions.

*Discount will be applied on the first-year premium in the first policy year only. First-year premium is the premium payable for the base plan and supplementary benefit(s) in the first policy year, including any additional premiums arising from substandard loadings, where applicable.

#Ascend or Opus customers and/or their family members who purchase PRUActive Protect II will receive an additional 10% first-year premium discount, provided the first-year premium is paid on an annual basis. Family includes spouse, children, parents, siblings, and grandchildren.

1Supplementary benefits can only be added during the policy term of PRUActive Protect or PRUActive Protect II upon satisfying the minimum policy term of the respective supplementary benefit. Full medical underwriting applies at the point of application of these supplementary benefits.

2Applicable only when insured undergoes surgery of any of the vital organs (heart, lung, brain, kidney, liver) as a result of illness or accident and as a result of the surgery, the insured is admitted to ICU for 3 consecutive days or more. Excluding surgery due to organ donation. Subject to cap of S$100,000 per life assured. Only 1 claim is payable per policy.

3Child Cover Benefit is 25% of one of the parents’ PRUActive Protect or PRUActive Protect II sum assured, whichever is higher. Payable only once for each child and up to S$25,000 for each child.

4Subject to maximum of 500% of the PRUActive Protect or PRUActive Protect II sum assured. This 500% includes claims for any of the pre-critical stage illness under the Early Protect benefit (if the benefit is included). For Prudential to accept the next claim, the following must apply:

  • For recurring critical illness condition under different categories, there must be a period of 12 months between the dates of diagnosis (waiting period).
  • For recurring critical illness condition under the same category, there must be a waiting period of 24 months between the dates of diagnosis. The medical evidence must clearly show that the initial or previous critical illness condition (which has been admitted) was already in complete remission before the recurring critical illness condition was diagnosed
  • The total amount payable depends on the number of claims made. The amount payable for each claim is subject to the maximum per claim limit and is based on the terms and conditions listed in the Product Summary.

5Payout for a pre-critical medical condition accelerates the Critical Illness benefit and will reduce the PRUActive Protect or PRUActive Protect II sum assured. Once claimed, the Early Protect benefit terminates (if there is no Early Protect Plus attached).

6Subject to maximum of 500% of the Early Protect sum assured. This 500% includes claims for any of the critical illness under the PRUActive Protect or PRUActive Protect II policy. For Prudential to accept the next claim, the following must apply:

  • For recurring critical illness condition under different categories, there must be a waiting period of 12 months between the dates of diagnosis.
  • For recurring critical illness condition under the same category, there must be a waiting period of 24 months between the dates of diagnosis. The medical evidence must clearly show that the initial or previous critical illness condition (which has been admitted) was already in complete remission before the recurring critical illness condition was diagnosed
  • The total amount payable depends on the number of claims made. The amount payable for each claim is subject to the maximum per claim limit and is based on the terms and conditions listed in the Product Summary.

7Sum assured of Life Protect Plus must be equal or lower than the PRUActive Protect or PRUActive Protect II sum assured.

8Sum assured of Severe Infections Protect must be equal or lower than the PRUActive Protect or PRUActive Protect II sum assured and subject to a maximum of S$100,000 per life.

9Payable once on the first critical illness benefit claim only.

You are recommended to read the product summary and seek advice from a qualified Prudential Financial Representative, or a distributor duly appointed by Prudential Singapore for a financial analysis before purchasing a policy suitable to meet your needs.

As this product has no savings or investment feature, there is no cash value if the policy ends or if the policy is terminated prematurely. 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.

As buying a life insurance policy is a long-term commitment, an early termination of the policy usually involves high costs and the surrender value, if any, that is payable to you may be zero or less than the total premiums paid.

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 which can be obtained from your Prudential Financial Representative.

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 product brochures, the English version shall prevail.

These policies are protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact your insurer or visit the GIA/LIA or SDIC websites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).

Information is correct as of 2 September 2026.

This advertisement has not been reviewed by the Monetary Authority of Singapore.

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Or give us a call: 1800 333 0333

I understand that if I am an European Union (“EU”) resident individual (i.e. my residential address is based in any of the EU countries), I can refer to Prudential Privacy Notice (which is available at https://www.prudential.com.sg/en/privacy-notice) for more information on the rights available to me under the GDPR.


Or give us a call: 1800 333 0333