Customisable protection that grows with the family
Flexible critical illness protection with supplementary benefits that you can add anytime1.
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.
Flexible critical illness protection with supplementary benefits that you can add anytime1.
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.
Build comprehensive coverage against relapses and recurring conditions, because protecting your ability to care for your family means planning for every possibility.
Complimentary protection for your children against 36 critical illnesses and 9 juvenile conditions3 when both parents purchase PRUActive Protect.
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.
Get coverage against pre-critical stage critical illnesses and receive a lump sum payout upon a pre-critical stage critical illness diagnosis5.
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.
Receive an additional lump sum payout, of up to 100% of your basic critical illness coverage, upon death or terminal illness7.
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.
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.
Act now and get 15% off your first-year premium.
Promotion Period: 2 September to 30 September 2026
| Eligible Insurance Plan | First-Year Premium Discount*# |
|---|---|
| PRUActive Protect II | 15% |
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.
"Promotion table" means the table below.
Promotion Table:
| Eligible Insurance Plan | First-Year Premium Discount*# |
|---|---|
| PRUActive Protect II | 15% |
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):
3. Discount
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.
*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:
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:
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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