PRUActive Protect

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: Our Customer Service Centre at Marina One, is currently available by appointment only. Starting 1 Jun 2021, we will no longer accept cash payments. Enrol for payments via DBS/POSB GIRO or Credit Card at https://ipay.prudential.com.sg. For more payment options, click 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.

Changes to the way you’ll receive your letters: From Aug-20, we'll begin sending letters such as payment and renewal notices, payout letters and more, digitally instead of via mail. Eligible customers will receive an SMS whenever there is an e-letter for you. For more info, please click here.

Overview

Benefits

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Flexibility to customise your critical illness protection with optional supplementary benefits that you can add anytime¹

Option to build more comprehensive coverage against relapse, recurrence of early stage critical illness conditions and more.

Receive payout on serious illness or accident that affects major organs resulting to admission in intensive care unit (ICU) with Crisis Care Accelerator Benefit²

What is PRUActive Protect?

A sudden critical illness diagnosis can throw life off track, especially if you already have plans laid out and loved ones to support. PRUActive Protect is a critical illness insurance plan that supports you during difficult times like this and can continue to protect you if it unfortunately happens more than once, even when your critical illness condition is still at the early stage.

PRUActive Protect is a customisable critical illness insurance plan that provides a lump sum payout upon diagnosis of 37 critical illnesses and more. 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.

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Key Benefits

Customisable Policy Term

Choose a policy term from 10 up to 99 years and get critical illness cover against 37 life-threatening illnesses up to age 100.

Crisis Care Accelerator Benefit

Receive up to 50% of your critical illness coverage on serious illnesses or accidents that result in major surgery on vital organs and admission to the ICU².

Child Cover Benefit

Complimentary protection for your children against 36 critical illnesses and 9 juvenile conditions³ when both parents purchase PRUActive Protect.

Spouse Waiver Benefit

Waiver of PRUActive Protect premiums for 1 year if your spouse is diagnosed with critical illness.

Optional supplementary benefits for added critical illness coverage

Build additional coverage at your own pace, against recurring or relapse of early or late stage critical illness conditions.

Boost your protection further

Option to add on Severe Infections Protect, Life Protect Plus or Monthly Benefit for additional coverage against severe infectious diseases, death and critical illnesses respectively.

Add supplementary benefits to enhance your critical illness cover at any time¹.

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

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 as a result 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.

PRUActive Protect has helped light up the lives of the under-served community. Learn more about our Spark Kindness Movement.

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

*Terms and conditions of Kickstart a Secure Future (“Promotion”)

Promotion Details

Definitions:

“Prudential” means Prudential Assurance Company Singapore (Pte) Limited.
“Promotion Period” means the period between 1 July 2020 and 30 September 2020 (both dates inclusive).
“Eligible Customer” means customers whose proposal for any Eligible Insurance Plan is submitted to and incepted by Prudential during the Promotion Period by satisfying the eligibility criteria below.
“Eligible Insurance Plan” means any of the products meeting the criteria as stated in the Promotion Table below.
“Discount” means First-year premium discounts percentage given to the Eligible Customer for Eligible Insurance Plan, as stated in the Promotion Table below.

“Promotion Table” means the table below.

Eligible Insurance Plan	First-year premium discount¹	Additional first-year premium discount¹ for Ascend and Opus Customer paying by annual mode
PRUPersonal Accident	15%	10%
PRUMan
PRULady
PRUCancer 360	10%
PRUTriple Protect
PRUActive Protect (New)

¹First-year premium discount will be applied on the premium for the basic policy and supplementary benefit(s).

Eligibility
1. In order to be eligible for the Promotion for Eligible Insurance Plan, the Eligible Customer’s proposal for an Eligible Insurance Plan is submitted to Prudential and incepted by Prudential during the Promotion Period.
2. This Promotion is valid for all premium payment modes (monthly, quarterly, bi-annual and annual).
3. Ascend and Opus by Prudential customers enjoy an additional 10% off first-year premium for any Eligible Insurance Plan submitted and incepted by Prudential during the Promotion Period. To enjoy the discount, first-year premium of the Eligible Insurance Plan must be paid on an annual basis.
Discount
1. An Eligible Customer is entitled to receive a Discount on the first-year premium in accordance to the terms and conditions of this Promotion.
2. 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 can enjoy.
3. Purchases made via Digital platform between 1 July 2020 and 31 July 2020 (both days inclusive) will enjoy the discount on a refund basis. Refund will be made via the same mode as premium was received.
4. This Promotion is not applicable should the Eligible Insurance 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 Eligible Customer.

General Terms and Conditions

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.
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
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.
Prudential reserves the right to disqualify or disregard any Eligible Customer who does not comply with the terms and conditions contained herein.
Prudential may at its discretion forfeit the Discount, or, if already awarded, reclaim the Discount 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 the Discount.
Prudential reserves the right to replace any Discount with items of similar value at any time without prior notice.
Prudential shall not be liable for any loss of, damage to, defects, delay, mis-delivery or non-delivery of the Discount.
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. 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.
The Discount is not exchangeable for cash, credit or any other items of equivalent value. The validity period of the Discount is non-extendable. Prudential will be under no obligation to replace or pay to Eligible Customers the value of any Discount that are not utilised by the Eligible Customers before the end of the validity period of the Discount as may be stipulated by Prudential and/or relevant merchants.
The Promotion is not valid in conjunction with other promotions carried out by Prudential.
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.
If an Eligible Customer provides Prudential with personal data of any third party, that Eligible Customer hereby:
1. Agrees on behalf of that third party to be bound by the terms and conditions contained herein; and
2. 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.
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.
Unless prohibited by law, participation in the Promotionconstitutes 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 Eligible Customer.
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 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. 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. 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.
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.
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.
Any trademarks, graphic symbols, logos or intellectual property contained in any materials used in connection with this Promotion, in particular the Discounts, are the property of their respective owners. Prudential is not affiliated with, or endorsed or sponsored by, such owners and their relevant affiliates.
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.
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.
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.

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:

If it is not the same critical illness as the one before it, there must be a period of 12 months between the dates of diagnosis (waiting period).
If it is the same critical illness as the one before it, there must be a waiting period of 24 months between the dates of diagnosis.
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:

If it is not the same early stage critical illness condition as the one before it, there must be a waiting period of 12 months between the dates of diagnosis.
If it is the same early stage critical illness condition as the one before it, there must be a waiting period of 24 months between the dates of diagnosis.
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. 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 websote 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 orwww.lia.org.sg or www.sdic.org.sg).

Information is correct as at 8 September 2020.

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

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