As of 19th July 2021, we have updated our Privacy Notice which is available at our corporate website -

IMPORTANT NOTICE: Our Customer Service Centre at Marine One, is currently available by appointment only. You can also chat with us over a video call by booking a slot. Starting from 1 Jun 2021, we no longer accept cash payments. Enrol for payments via DBS/POSB GIRO or Credit Card at For more payment options, click here.

New LIA Guidelines :Our Singapore-dollar (SGD) denominated Participating policies from 1 July 2021 will show updated illustrated investment rates of return, in accordance with the changes in LIA Guidelines on Policy Illustrations 2021. This change does not affect existing customers with policies submitted before 1 July 2021. For more information, please click here.

IMPORTANT NOTICE : For more information on COVID-19 related reliefs please click here.

PRUACCESS: In accordance with PDPC's Advisory Guidelines on the PDPA for NRIC and other National Identification numbers, we will no longer be using NRIC/passport numbers/FIN for login purposes from 1 Aug 2019. If you have yet to create a user ID, please click here.


PRUPersonal Accident  

Get comprehensive protection that covers accidents, food poisoning, infectious diseases1, animal and insect bites

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What is PRUPersonal Accident?

  • A plan that complements existing hospitalisation or medical insurance to ensure coverage in the event of an accident
  • Offers a choice of plans with different payouts and premiums based on the coverage you need
  • Available as supplementary benefit — Accident Assist — and can be added to your selected main plans

Policyholders who have access to the 24-hour worldwide emergency helpline can place a call to (65) 6338-7185 in the event they are seriously injured in an accident while overseas.


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Key Benefits

Add supplementary benefits to enhance your coverage

We strive to make a difference to your life by providing you with the suitable insurance plan.

Customer Reviews

Here are some reviews written by our insurance customers after having experienced our services.

I submitted my claim request directly via my hospital and the process was efficient. I did not have to worry about having to fork out a large sum of cash to pay for my hospital bill.

Claims Decision
June 18, 2020

This was my first experience with submitting a claim online and the process was much simpler than I anticipated!

Claims Submission
June 19, 2020

He was patient and took the time to understand the status of my current financial status in order to better advise me. He demonstrated respect and understanding during our conversations and did not make me feel pressured to purchase any policy from him.

Agency Sales
June 5, 2020


1Infectious disease means any of the following diseases which is diagnosed by a medical practitioner during the period of insurance and is supported by acceptable clinical, radiological, hitological and laboratory evidence:

  1. Hand, foot and mouth disease (HFMD)
  2. Dengue fever
  3. Avian influenza or or ‘Bird Flu’ due to Influenza A viral strains H1N1, H5N1, H9N2, H7N7 or H7N9
  4. Mumps
  5. Rubella
  6. Tuberculosis
  7. Measles
  8. Malaria
  9. Anthrax infection
  10. Yellow fever
  11. Plague
  12. Melioidosis or 'soil disease'
  13. Rabies
  14. Legionnaires' disease
  15. Chikungunya
  16. Nipah viral encephalitis
  17. Japanese viral encephalitis
  18. Variant Creutzfeldt-Jakob disease (vCJD) or 'mad cow disease'
  19. Severe acute respiratory syndrome (SARS)
  20. Middle east respiratory syndrome coronavirus (MERS-CoV)
  21. Zika virus

2Main plans include PRUFlexi Cash, PRULink Enhanced Protector II, PRUWealth (SGD), PRUWealth II (SGD) (5/10/20 Pay), PRULife Multiplier Flex, PRUCash Secure, PRUActive Saver, PRUActiver Saver II, PRUFirst Gift (PRULink Enhanced Protector II), PRUActive Life, PRUActive Retirement - Regular Premium

3Recovery Aid benefit covers expenses related to hospitalisation. It gives the insured a daily cash payout if the insured is hospitalised or admitted to an Intensive Care Unit and reimburse the cost of emergency medical evacuation and repatriation. The Recovery Aid benefit provides the following benefits:

  • Daily Accidental Hospital Income benefit
  • Daily Accidental Intensive Care Unit benefit
  • Mobility Aid benefit
  • Get Well Transport benefit
  • Family Support Fund benefit
  • Travel and Medical Assistance benefit
  • Emergency Medical Evacuation and Repatriation benefit

4Fracture Care Benefit includes the following benefits:

  • Fractures, Burns and Dislocations benefit
  • Mobility Aid benefit
  • House Fitting Expenses benefit
  • Recovery benefit

Please reach out to your Prudential Financial Consultant for more information.


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.

The benefits will only be payable upon the occurrence of an accident.

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.

Before replacing an existing accident and health policy with a new one, you should consider whether the switch is detrimental, as there may be potential disadvantages with switching and the new policy may cost more or have fewer benefits at the same cost.

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 policies 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 ( or or

Information is correct as at 12 May 2020.

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

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Or give us a call: 1800 333 0333