PRUsmart lady II
We understand you want to take care of yourself through every chapter of life
As a modern, independent woman, you make your own decisions about your well-being. After all, your health needs are different from those of men, and your life has many milestones that only a woman can understand and prepare for. At Prudential, we understand this. That's why we now bring you PRUsmart lady II, a thoughtfully designed supplementary benefit that helps you take care of yourself, through all the important chapters of life.
Coverage on female-related conditions and procedures1
Be entitled to a biennial health check-up
Enjoy savings when buying new policies2
Optional enhancement to cover pregnancy-related conditions
Regular Premium: 10 to 65 years
10 to 65 years
Up to 65 Age Next Birthday
16 to 55 Age Next Birthday
|Accidental Death Benefit||
Minimum Sum Assured: $10,000
Maximum Sum Assured: $50,000
Rachel, age 25 next birthday, purchased PSL II rider with her whole-of-life plan which covers her up to age 65 next birthday by just paying $1.20 per day for sum assured of $25,000.
Upon diagnosis of carcinoma in situ of the breast, Rachel will receive a payout of 50% of the sum assured under the Female Illnesses benefit.
Subsequently, if the condition aggravates to malignant cancer of the breast, she will receive the remaining 50% of the sum assured.
If she is required to undergo mastectomy due to a malignant condition, she will receive 30% of the sum assured under the Medical Procedures benefit.
These lump sum payouts will help to defray some of the medical cost incurred, replace some loss of income or even pay for additional expenses incurred from the hospitalisation.
Under the recommendation of a doctor registered with the Singapore Medical Council, Rachel then undergoes breast reconstructive surgery following a Mastectomy. She will be reimbursed for the medical costs, up to 100% of the sum assured. The total medical cost incurred by her was approximately $30,000. Payout received by Rachel:
|Payout received by Rachel|
|Female Illness Benefit|
|Diagnosis of Carcinoma in situ of the breast||$12,500|
|Diagnosis of Malignant Cancer of the breast||$12,500|
|Medical Procedures Benefit|
|Mastectomy due to a malignant condition||$7,500|
|Reconstructive Surgery or Skin Grafting Benefit|
|Breast reconstructive surgery following a Mastectomy||$25,000|
|Total Payouts received by Rachel||$57,500|
Just by paying an additional $1.00 per day, Rachel will be covered for selected pregnancy complications, congenital illnesses and hospital care for her newborn for a sum assured of $10,000 till age 45 next birthday.
- A lump sum payout of up to 100% of the sum assured will be payable for each category - Female Illnesses, Medical Procedures, Reconstructive Surgery or Skin Grafting.
- Only applicable when signing up for PRUlife, PRUlife limited pay, PRUlife multiplier flex, PRUsave, PRUflexicash, PRUterm ascend, PRUmortgage, PRUmultiple crisis cover, PRUpersonal accident, PRUterm vantage (SGD or USD), PRUterm total refund, PRUearly stage crisis cover and PRUearly stage disability. The list of eligible products is subject to change. The 15% first year premium discount is available for a maximum of two new policies per event and for a maximum total annual premium of $10,000 including additional premiums for supplementary benefits.
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 the e-Brochures, the English version shall prevail.
Information is correct as at 10 December 2018.
This advertisement has not been reviewed by the Monetary Authority of Singapore.