Terms and Conditions of We Do Simple Promotion (“Promotion”)
(a) “Prudential” means Prudential Assurance Company
Singapore (Pte) Limited.
(b) “Promotion Period” means the period between 1 April
2020 and 30 June 2020 (both dates inclusive).
(c) “Eligible Customer” means policyholders whose proposal
for any Eligible Insurance Medical Plan and/or Eligible Insurance
Protection Plan is submitted to and incepted by Prudential during the
(d) “Eligible Insurance Medical Plan” means any of the
products as stated in the Promotion Table above.
(e) “Eligible Insurance Protection Plan” means any of the
products meeting the criteria as stated in the Promotion Table above.
(f) “Discount” means 25% off first-year premium.
(g) “Reward” means gift vouchers with amounts expressed as
the percentage of first-year premium as stated in the Promotion Table above
redeemable from participating merchants such as NTUC FairPrice e-gift card,
Dairy Farm e-voucher and Al-Futtaim Retail Asia Gift Voucher. Please note
that these merchants are subject to change. Actual amount of the vouchers will be rounded down or up to the nearest tenth dollar.
(h) “Promotion Table” means
the table above.
In order to be eligible for the Promotion, the Eligible Customer has to
satisfy the following requirements during the Promotion Period in order to
receive the Discount and/or Reward (as defined in the Promotion Table);
(a) If the Eligible Customer’s proposal for any Eligible Insurance Medical
Plan and/or Eligible Insurance Protection Plan is submitted to Prudential
and incepted by Prudential during the Promotion Period.
(b) This Promotion is valid for all premium payment modes (monthly,
quarterly, bi-annual and annual).
(c) Ascend by Prudential and Opus by Prudential customers enjoy an
additional 10% of reward value expressed as a percentage of first-year
premium for any Eligible Insurance Protection Plan submitted and incepted
by Prudential during the Promotion Period. To enjoy the additional reward,
first-year premium of the Eligible Insurance Protection Plan must be paid
on an annual basis.
(d) This Promotion is valid for purchases made through a Prudential
Financial Consultant only.
(a) If the Eligible Customer is a Singaporean or Permanent Resident of
Singapore, PRUShield Premier, PRUShield Plus and PRUShield Standard Plan
are available as an Integrated Shield Plan (“IP”) made up of MediShield
Life provided by the Central Provident Fund Board and additional private
insurance provided by Prudential. The Discount is applicable to
Prudential’s portion of the IP premium only.
(b) PRUShield and/or PRUShield Extra customers who have lapsed and re-purchased their PRUShield and PRUShield Extra plan during the promotion period will not eligible for this promotion. Prudential reserves the right to forfeit the Discount if already awarded and/or reclaim the Discount at the expense of the Eligible Customer without payment, compensation, or having to give any reason whatsoever.
(c) Foreigners who purchased any of the Eligible Insurance Medical Plan
through Prudential Corporate Website between 1 April 2020 and 13 April 2020
(both dates inclusive) will enjoy the Discount on a refund basis. The
discounted premium amount will be refunded by cheque or credit card.
(d) The Discount in this promotion shall be on a ‘per-policy’ basis
(subject to the terms and conditions of this Promotion), there shall be no
restrictions on the number of Discount transactions an Eligible Customer
(e) This Promotion is not applicable should the Eligible Insurance Medical
Plan be cancelled within the fourteen (14) day free-look period. The
premium amount refunded will be based on the premium amount paid by the
(a) An Eligible Customer is entitled to receive a Reward in accordance with
the Promotion table above.
(b) Each Eligible Customer will be entitled to a maximum of one (1) Reward
per life assured per Eligible Insurance Protection Plan.
Prudential will issue a SMS, Email or Mail (“Redemption Notification”) to
each Eligible Customer three (3) months after the policy is incepted
provided that the Eligible Customer’s Eligible Insurance Protection Plans
purchased during the Promotion Period are in force as at the date of the
Redemption Notification. Eligible Customers shall be solely responsible for
ensuring that they provide Prudential with a valid phone number or email
address for the purpose of redemption. The Eligible Customer agrees and
accepts that Prudential will not be responsible for any consequences
arising from his/her failure to provide Prudential with a true, complete
and accurate phone number or email address and/or notify Prudential of any
change(s) to his/her phone number and email address. Reward must be
redeemed within two (2) months from the date of Redemption Notification. If
an Eligible Customer fails to claim his/her Reward within the stipulated
redemption period in the Redemption Notification, his/her Reward will be
forfeited, and the Eligible Customer shall not have any claim against
Prudential for such forfeiture. Further details of the redemption
procedures will be set out in the Redemption Notification.
General Terms and Conditions
1. By participating in the Promotion, each Eligible Customer is deemed to
have accepted and agreed to be bound by these terms and conditions
contained herein and any other instructions, terms and conditions that
Prudential may issue from time to time.
2. Prudential assumes no responsibility for incomplete, lost, late,
damaged, illegible or misdirected forms or email communication, for
technical hardware or software failures of any kind, lost or unavailable
network connections, or failed incomplete, garbled or delayed electronic
transmission which may limit an Eligible Customer’s ability to participate
in the Promotion.
3. Prudential has the sole and absolute discretion to exclude any Eligible
Customer from participating in the Promotion without any obligation to
furnish notice and/or reason.
4. Prudential reserves the right to disqualify or disregard any Eligible
Customer who does not comply with the terms and conditions contained
5. Prudential may at its discretion forfeit the Discount/Reward, or, if
already awarded, reclaim the Discount/Reward at the expense of the Eligible
Customer without payment, compensation, or having to give any reason
whatsoever in the event Prudential subsequently discovers that the Eligible
Customer is not eligible to participate in the Promotion and/or to receive
6. Rewards are subject to availability while stocks last. Prudential
reserves the right to replace any Discounts/Rewards with items of similar
value at any time without prior notice.
7. Prudential shall not be liable for any loss of, damage to, defects,
delay, mis-delivery or non-delivery of the Discount/Reward.
8. Prudential reserves the right to deal with any unclaimed Discount/Reward
in any manner it deems fit. Prudential reserves the right to request for
the Eligible Customers’ proof of eligibility, identity and/or otherwise for
the purposes of verifying the Eligible Customer’s claim to the
Discount/Reward at the time of Discount/Reward collection. Prudential is
under no obligation whatsoever to disclose the identity of the Eligible
Customers or to publish the same for any reason at any point of time.
9. The Discount/Reward is not exchangeable for cash, credit or any other
items of equivalent value. The validity period of the Discount/Reward is
non-extendable. Prudential will be under no obligation to replace or pay to
Eligible Customers the value of any Discounts/Rewards that are not utilised
by the Eligible Customers before the end of the validity period of
Discount/Reward as may be stipulated by Prudential and/or relevant
10. The Promotion is not valid in conjunction with other promotions carried
out by Prudential.
11. By participating in this Promotion, each Eligible Customer agrees and
consents under the Personal Data Protection Act (Cap 26 of 2012) to the
collection, use and disclosure of any and all personal data of the Eligible
Customer by/to Prudential, advertising and promotional agencies of the
Promotion and such other third party, in Prudential’s absolute discretion,
consider appropriate or necessary in connection with the Promotion and
redemption of Discounts/Rewards.
12. If an Eligible Customer provides Prudential with personal data of any
third party, that Eligible Customer hereby:
a) Agrees on behalf of that third party to be bound by the terms and
conditions contained herein; and
b) Consents on behalf of that third party, to Prudential’s collection, use,
disclosure and processing of his/her personal data in accordance with the
terms and conditions contained herein.
The Eligible Customer warrants that he/she has obtained the said third
party’s prior consent to such collection, use, disclosure and processing of
his/her personal data by Prudential and that the personal data that the
Eligible Customer provides to Prudential is true, accurate and complete.
13. Prudential shall not be liable for any third party’s misuse of the
Eligible Customer’s submitted information and photograph as a result of the
Eligible Customer taking part in the Promotion.
14. Unless prohibited by law, participation in the Promotion constitutes
permission for Prudential, its advertising and promotional agencies to use
any of the Eligible Customer’s names, and/or likeness for advertising and
promotional purposes. Each Eligible Customer further agrees and
acknowledges that the copyright and all other intellectual property rights
in and to all photographs or audio-video or other recordings of the
Eligible Customer taken or made in connection with the Promotion shall vest
solely and absolutely in Prudential without any compensation to the
15. Prudential may at any time at its absolute discretion, without prior
notice or assigning any reason thereof or being liable to any person, (i)
suspend, cancel or terminate the Promotion, or (ii) delete, vary,
supplement, amend, modify any one or more of the terms and conditions of
the Promotion. Prudential’s determination of all matters in connection with
the Promotion and the Discount/Reward shall be final, binding and
conclusive. Prudential is not obliged to give any reason or prior notice on
any matter concerning the Promotion or the Discount/Reward. No appeal,
correspondence or claims will be entertained. Prudential has the right and
discretion to determine whether a party has met the requirements of the
Promotion and/or to receive the Discount/Reward. Eligible Customers and/or
shall not be entitled to any damages or compensation whatsoever or
howsoever arising as a result of such amendment, suspension or termination.
16. By participating in the Promotion, all Eligible Customers agree and
undertake to, at all times, indemnify, keep indemnified, and hold
Prudential, its employees and agents harmless against all losses (including
direct, indirect, incidental and/or consequential losses), damages
(including general, special, and/or punitive damages), demands, injuries
(other than personal injury caused by Prudential’s negligence), claims,
costs, penalties, interest and fees (including all legal fees as between
solicitor and client or otherwise on a full indemnity basis whether or not
incurred in respect of any real, anticipated, or threatened legal
proceedings), howsoever caused by, arising or resulting from, whether
directly or indirectly, their participation in the Promotion, acceptance or
usage of any Discount/Reward, and/or any breach or purported breach of
these terms and conditions and/or any applicable law.
17. Prudential makes no warranty or representation as to the quality,
merchantability or fitness for purpose of the merchants’ goods and services
in respect of the Discount/Reward. Any dispute about the same must be
resolved directly with the merchant. Merchant terms and conditions apply.
18. In the event of any inconsistency or discrepancy between the terms and
conditions contained herein and the contents of any brochure, marketing
and/or promotional materials relating to the Promotion, the terms and
conditions contained herein shall prevail.
19. Any trademarks, graphic symbols, logos or intellectual property
contained in any materials used in connection with this Promotion, in
particular the Discounts/Rewards, are the property of their respective
owners. Prudential is not affiliated with, or endorsed or sponsored by,
such owners and their relevant affiliates.
20. Failure by Prudential to exercise any of its right or remedy under the
terms and conditions contained herein does not constitute a waiver of that
right or remedy.
21. The terms and conditions contained herein shall be governed by
Singapore law and the Eligible Customers agree to submit to the exclusive
jurisdiction of the courts of Singapore.
22. A person who is not a party to any agreement governed by these terms
and conditions shall have no right under the Contracts (Right of Third
Parties) Act (Cap 53B) to enforce any of these terms and conditions.