PRUActive Protect
Health Protection | Critical Illness

PRUActive Protect

Sometimes in life a sudden critical illness can throw you off track, leaving you concerned about looking after your loved ones, especially if it unfortunately happens more than once.

PRUActive Protect is a customisable critical illness insurance plan that supports you during difficult times. The plan is designed to grow with you through life. Find out more in our Build to Grow video.

What is PRUActive Protect?


PRUActive Protect is a customisable critical illness insurance plan that allows you to choose a policy term from 10 years up to 99 years and get critical illness coverage against 37 life-threatening illnesses up to age 100. It can continue to protect you for repeated illnesses, right from diagnosis.

The plan is designed to grow with you through life by providing you with the flexible option to add on coverage against early stage, recurring and relapse critical illness conditions and more, as and when your needs, priorities and budget grows.

Supplementary benefits

 

Extra-Features

Protect Plus

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

Early Protect

Get coverage against all early-stage critical illnesses and receive a lump sum payout upon early-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 an early-stage critical illness benefit claim6.

Life Protect Plus

Receive an additional lump sum payout for death benefit up to 100% of your basic critical illness coverage7.

Severe Infections Protect

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 $100 to $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.

 

Supporting our communities.


PRUActive Protect has helped light up the lives of the under-served community.

Learn more about our Spark Kindness Movement.

Important information

Footnotes

1Supplementary 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.

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

4Subject to maximum of 500% of the PRUActive Protect sum assured. This 500% includes claims for any of the pre-critical 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.

5Payout 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).

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 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.

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

8Sum assured of Severe Infections Protect must be equal or lower than the PRUActive Protect sum assured.

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

Additional Notes

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

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 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 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 1 October 2021.

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

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