Crisis Waiver III

Concentrate on Recovery Without Worrying About Premiums

Early Stage Crisis Waiver and Crisis Waiver III

Critical illness can strike anyone at anytime. When that happens, your utmost concern will be to focus on your recovery without worrying about your premium payments and continue to stay protected.

Early Stage Crisis Waiver¹ is designed to waive your premiums of the covered benefits upon the diagnosis of Early Stage or Intermediate Stage Medical Conditions for up to 10 years².

With Crisis Waiver III, you do not need to worry about making premium payments for the covered benefits on your policy if you are diagnosed with Critical Illness.

Highlights

Premium waiver upon diagnosis of critical illness for Crisis Waiver III

Product Details

Product Features

Payment Term	1 to 74 years Up to 85 Age Next Birthday
Policy Term	1 to 74 years Up to 85 Age Next Birthday
Issuance Age	11 to 70 Age Next Birthday
Accidental Death Benefit	Not Applicable
Sum Assured	Not Applicable
Core Benefits	Waives the future premiums³ of the covered benefits upon diagnosis of any one of the 35 Critical Illnesses listed.

Medical conditions:

Covered medical conditions:

Supplementary Benefit*	Crisis Waiver III²	Early Stage Crisis Waiver¹
	Critical Illnessess (Full premium term waiver)	Early Stage Medical Conditions³ (Waiver of premium for 5 years)	Intermediate Stage Medical Conditions (Waiver of premium for 10 years⁴)
1	Alzheimer’s Disease / Severe Dementia	Moderately severe Alzheimer’s Disease or Dementia	-
2	Benign Brain Tumour	Surgical removal of pituitary tumour or Surgery for subdural haematoma	-
3	Blindness (Irreversible Loss of Sight)	Loss of sight in one eye	Optic Nerve Atrophy with low vision
4	Coma	Coma for 48 hours	Severe Epilepsy or Coma for 72 hours
5	Coronary Artery By-pass Surgery	Keyhole coronary bypass surgery or Coronary Artery Arthrectomy or Transmyocardial Laser Revascularisation or Enhanced External Counterpulsation Device Insertion	-
6	Deafness (Irreversible Loss of Hearing)	Partial loss of hearing or Cavernous sinus thrombosis surgery	Cochlear implant surgery
7	End Stage Kidney Failure	Surgical removal of one kidney or Chronic Kidney Disease	-
8	End Stage Liver Failure	Liver surgery	Liver Cirrhosis
9	End Stage Lung Disease	Severe Asthma or Insertion of a Veno-cava filter	Surgical removal of one lung
10	Fulminant Hepatitis	Hepatitis with Cirrhosis	-
11	Heart Attack of Specified Severity	Cardiac pacemaker insertion or Pericardectomy	Cardiac defibrillator insertion or Early Cardiomyopathy
12	HIV Due to Blood Transfusion and Occupationally Acquired HIV	HIV due to Assault, Organ Transplant or Occupationally Acquired HIV	-
13	Idiopathic Parkinson’s Disease	Moderately severe Parkinson’s Disease	-
14	Irreversible Aplastic Anaemia	Reversible Aplastic Anaemia	-
15	Irreversible Loss of Speech	Loss of Speech due to neurological disease or neurological injury	-
16	Loss of Independent Existence	-	-
17	Major Burns	Moderately severe burns	-
18	Major Cancer	Carcinoma in situ of specified organs Early Prostate Cancer Early Thyroid Cancer Early Bladder Cancer Early Chronic Lymphocytic Leukaemia Early Melanoma Gastro-intestinal Stromal Tumour (GIST)	Carcinoma in situ of specified organs treated with Radical Surgery
19	Major Head Trauma	Facial reconstructive surgery or Spinal cord injury	-
20	Major Organ / Bone Marrow Transplantation	Small bowel transplant; or Corneal transplant	-
21	Motor Neurone Disease	Early Motor Neurone Disease	-
22	Multiple Sclerosis	Early Multiple Sclerosis	-
23	Muscular Dystrophy	Moderately severe Muscular Dystrophy	-
24	Open Chest Heart Valve Surgery	Percutaneous Valve Surgery	-
25	Open Chest Surgery to the Aorta	Minimally invasive surgery to Aorta or Large asymptomatic aortic aneurysm	-
26	Other Serious Coronary Artery Disease	-	-
27	Paralysis (Irreversible Loss of Use of Limbs)	-	-
28	Persistent Vegetative State (Apallic Syndrome)	-	-
29	Poliomyelitis	-	-
30	Primary Pulmonary Hypertension	Early Pulmonary Hypertension	Secondary Pulmonary Hypertension
31	Progressive Scleroderma	Early Progressive Scleroderma	Progressive Scleroderma with CREST syndrome
32	Severe Bacterial Meningitis	Bacterial Meningitis with full recovery	-
33	Severe Encephalitis	Viral Encephalitis with full recovery	-
34	Stroke with Permanent Neurological Deficit	Brain aneurysm surgery or Cerebral shunt insertion	Carotid artery surgery
35	Systemic Lupus Erythematosus with Lupus Nephritis	-	-

Note: Please refer to the respective policy document for the definition of the listed Medical Conditions. For certain Medical Conditions, there is a waiting period of 90 days from the date of issue or reinstatement, whichever is later.

Footnotes and Note:

Footnotes:

Early Stage Crisis Waiver can only be attached if Crisis Waiver III is attached to the same policy. The maximum premium waiver period under the Early Stage Crisis Waiver Benefit is 10 years, after which the benefit terminates and premium payment for the covered benefits will resume. The waiver duration is subject to the remaining premium term of the covered benefits and up to age 85. The waiver duration is up to your chosen age ranging from 55 to 85 years old for the PRULink Enhanced Protector.
Crisis Waiver III waives the future premiums of the covered benefits up to age 85. The waiver duration is up to your chosen age ranging from 55 to 85 years old for the PRULink Enhanced Protector.
After the end of the Early Stage Premium waiver period, premium payment for the covered benfits will resume, but the premiums for the Early Stage Crisis Waiver will continue to be waived.
If there was a successful claim under Early Stage Medical Conditions, the Intermediate Stage Medical Conditions Benefit only waives 5 years of future premiums.

Note:

You are recommended to read the product summary and seek advice from a qualified Prudential Financial Consultant from 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.

This policy is 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 web-sites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).

Information is correct as at 26 August 2020.