PRUActive Protect

¹

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

²

Applicable 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.

³

Child Cover sum assured is 25% of parent’s critical illness sum assured – whichever is higher. Maximum claim per child is S$25,000 per child. Each child can only claim once.

⁴

Subject to maximum of 500% of the PRUActive Protect 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. Please speak to your Prudential Financial Consultant for more details.

⁵

Payout for Early Protect accelerates the critical illness benefit and will reduce the PRUActive Protect sum assured. Once claimed, the Early Protect benefit terminates (if there is no Early Protect Plus attached).

⁶

Subject to maximum of 500% of the Early Protect sum assured. This 500% includes claims for any of the critical illness under the PRUActive Protect 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. Please speak to your Prudential Financial Consultant for more details.

⁷

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

⁸

Sum assured of Severe Infections Protect must be equal or lower than the PRUActive Protect sum assured.

⁹

Payable once on the first critical illness benefit claim only.