PRUActive Life III
What is PRUActive Life III?
- A whole-of-life plan that gives you multiplied assurance1 when you need it most
- Comprehensive protection against Death, Terminal Illness and Total and Permanent Disability
- Optional supplementary benefits for enhanced coverage and protection
Key Benefits
Flexible Premium Payment Term
Crisis Care (PRUActive Life III) and Early Crisis Care (PRUActive Life III)
Financial support in times of need
Multiplier Benefit1
Family Waiver Benefit4
Kinship Booster Benefit5
Add supplementary benefits to enhance your coverage
We strive to make a difference to your life by providing you with the suitable insurance plan.
Early Crisis Care (PRUActive Life III)
- Enjoy 2x, 3x, 4x or 5x multiplied coverage. Multiplier Benefit is applicable only if you chose to have this benefit when you purchase the plan.
- Get coverage for an extensive number of early and intermediate stage medical conditions6 and receive up to $350,000 in claim
- Receive additional coverage for special benefits such as Benign Tumour Benefit7
- Cover your child against a multitude of Juvenile Medical Conditions such as ADHD, Dyslexia and Autism
Crisis Care (PRUActive Life III)
- Enjoy 2x, 3x, 4x or 5x multiplied coverage. Multiplier Benefit is applicable only if you chose to have this benefit when you purchase the plan.
- Get coverage for an extensive number of late stage medical conditions8
- Receive payout on serious illness or accident that affects major organs resulting to admission in intensive care unit (ICU)2
Footnotes
1Multiplier Benefit is applicable only if you chose to have this benefit when you purchase the plan. It comes with choices of 2x, 3x, 4x or 5x and Expiry Age choices of 65, 70, 75 or 80. Multiplier Benefit and the Multiplier Benefit Expiry Age will apply to PRUActive Life III and its attached Early Crisis Care and Crisis Care supplementary benefit.
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. Excluding surgery due to organ donation. Subject to cap of S$100,000 per life assured. Only 1 claim is payable per policy.
3This interest-free loan amount needs to be paid back at the end of the premium deferment period, if not, interest on the loan amount starting from the end of the premium deferment period will be charged.
4 Subject to a maximum of 1 claim per policy.
5At the month after immediate family member purchases PRUActive Life III policy. Kinship Booster benefit is only applicable to the basic sum assured (excluding multiplier benefit), does not accumulate any cash value and can only be applied to the policy on or before age next birthday 55. Subject to cap of S$100,000 per life assured. If the existing life assured has already made claims from the policy, the Kinship Booster Benefit no longer applies.
6Early Stage and Intermediate Stage benefits payout under Early Crisis Cover (PRUActive Life III) will reduce the PRUActive Life III policy sum assured. If the sum assured of both PRUActive Life III and Early Crisis Cover (PRUActive Life III) is the same and a benefit payout for 100% of the sum assured from Early Crisis Cover (PRUActive Life III) is made, the PRUActive Life III policy and the Early Crisis Cover (PRUActive Life III) benefit will terminate. A claim under the Crisis Cover (PRUActive Life III) benefit within the PRUActive Life III policy could result in either a reduction of sum assured or termination of Early Crisis Cover (PRUActive Life III).
7Refers to Benign Tumour requiring surgical excision.
8Last stage medical conditions benefits payout under Crisis Cover (PRUActive Life III) will reduce the PRUActive Life III policy sum assured. If the sum assured of both PRUActive Life III and Crisis Cover (PRUActive Life III) is the same and a benefit payout for 100% of the sum assured from Crisis Cover (PRUActive Life III) is made, the PRUActive Life III policy and the Crisis Cover (PRUActive Life III) benefit will terminate. A claim under the Crisis Cover (PRUActive Life III) benefit within the PRUActive Life policy could result in either a reduction of sum assured or termination of Crisis Cover (PRUActive Life III).
*Terms & Conditions apply.
Additional Notes
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.
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.
Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. Premiums for some of the supplementary benefits 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.
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 web-sites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).
Information is correct as at 20 January 2022.
This advertisement has not been reviewed by the Monetary Authority of Singapore.
