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Early Crisis Multiplier Flex

Enjoy enhanced protection against the early stages of critical illness

When it comes to your family’s future, you can never leave anything to chance. Critical illness can occur at any stage of life. That is why, we offer you enhanced protection with Early Crisis Multiplier Flex.

As a supplementary benefit to PRUlife multiplier flex plan, it gives you multiplied coverage1 of up to 4 times for Early and Intermediate Stage Medical Conditions2.

So protect yourself and your family with greater coverage today.



300% or 400% 

Choice of multiplied coverage1

65 or 70 

Choice of expiry age for multiplied coverage1

76 Medical Conditions 

Extensive coverage

Product Details

Payment Term

Limited Premium3:

  • 10 / 15 / 20 / 25 years
Policy Term

Whole of Life

Issuance Age

1 to 60 Age Next Birthday

Accidental Death Benefit

Not Applicable

Sum Assured

Minimum Sum Assured: $10,000

Maximum Multiplier Benefit: $350,000

Core Benefits
  • Allows second claim if the medical condition2 deteriorates or a different medical condition2 occurs after the claim on the Early Stage benefit is made. Early Crisis Multiplier Flex will pay the balance of this benefit immediately after the first claim4.
  • Waiver of all future premiums5 upon a successful claim under the Early Stage benefit.
  • Additional coverage on selected diabetic complications and Juvenile Medical Conditions.

How it works:

Multiplier Benefit at a glance:

Plan Type Multiplier Benefit
Expiry Age
Multiplier Benefit+ for Early Crisis Multiplier Flex before the Multiplier Benefit Expiry Age
Early Crisis Multiplier Flex 65 3x 65 years 300%
Early Crisis Multiplier Flex 65 4x 65 years 400%
Early Crisis Multiplier Flex 70 3x 70 years 300%
Early Crisis Multiplier Flex 70 4x 70 years 400%


+ Multiplier Benefit is the relevant percentage of the sum assured.

Medical Conditions:

List of covered Medical Conditions


Critical Illnesses Covered Under PRUlife multiplier flex Medical Conditions covered under
Early Crisis Multiplier Flex
  Early Stage Medical Conditions Intermediate Stage Medical Conditions
  1. Alzheimer’s Disease /
    Severe Dementia
Moderately severe
Alzheimer’s Disease or
  1. Benign Brain Tumour
Surgical removal of
pituitary tumour or Surgery
for subdural haematoma
  1. Blindness
    (Irreversible Loss of Sight)
Loss of sight in one eye Optic Nerve Atrophy
with low vision
  1. Coma
Coma for 48 hours Severe Epilepsy or
Coma for 72 hours
  1. Coronary Artery
    By-pass Surgery
Keyhole coronary bypass
surgery or Coronary
Artery Arthrectomy or
Transmyocardial Laser
Revascularisation or
Enhanced External
Counterpulsation Device
  1. Deafness
    (Irreversible Loss of Hearing)
Partial loss of hearing
or Cavernous sinus
thrombosis surgery
Cochlear implant
  1. End Stage Kidney Failure
Surgical removal of one
kidney or Chronic Kidney
  1. End Stage Liver
Liver surgery Liver Cirrhosis
  1. End Stage Lung
Severe Asthma or Insertion
of a Veno-cava filter
Surgical removal of
one lung
  1. Fulminant Hepatitis
Hepatitis with Cirrhosis
or Biliary Tract
Reconstruction Surgery
Chronic Primary
Sclerosing Cholangitis
  1. Heart Attack of
    Specified Severity
Cardiac pacemaker
insertion or
Cardiac defibrillator
insertion or Early
  1. HIV Due to Blood
    Transfusion and
    Acquired HIV
HIV due to Assault,
Organ Transplant
or Occupationally
Acquired HIV
  1. Idiopathic Parkinson’s Disease
Moderately severe
Parkinson’s Disease
  1. Irreversible Aplastic Anaemia
Reversible Aplastic
Myelodysplastic Syndrome
or Myelofibrosis
  1. Irreversible Loss of Speech
Loss of Speech due to
neurological disease or
neurological injury or
Permanent or Temporary
  1. Major Burns
Moderately severe burns -
  1. Major Cancer
  • Carcinoma in situ of specified organs
  • Early Prostate Cancer
  • Early Thyroid Cancer
  • Early Bladder Cancer
  • Early Chronic Lymphocytic Leukaemia
  • Early Melanoma
  • Gastro-intestinal
    Stromal Tumour (GIST)
Carcinoma in situ of
specified organs treated
with Radical Surgery
  1. Major Head Trauma
Facial reconstructive
surgery or Spinal
cord injury
Intermediate Stage Major Head Trauma
  1. Major Organ /
    Bone Marrow
Small bowel transplant or
Corneal transplant
  1. Motor Neurone
Early Motor Neurone
Disease or Peripheral
  1. Multiple Sclerosis
Early Multiple Sclerosis Mild Multiple Sclerosis
  1. Muscular Dystrophy
Moderately severe Muscular
Dystrophy or Spinal Cord
Disease or Injury resulting
in Bowel and Bladder
  1. Open Chest Heart Valve Surgery
Percutaneous Valve
  1. Open Chest Surgery to the Aorta
Minimally invasive
surgery to Aorta or Large
asymptomatic aortic
  1. Other Serious
    Coronary Artery
Early Stage Other Serious
Coronary Artery Disease
Intermediate Stage Other
Serious Coronary
Artery Disease
  1. Paralysis (Irreversible Loss of
    Use of Limbs)
Loss of Use of One Limb Loss of Use of One Limb
requiring Prosthesis
  1. Primary Pulmonary
Early Pulmonary
Secondary Pulmonary
  1. Progressive
Early Progressive
Progressive Scleroderma
with CREST syndrome
  1. Severe Bacterial Meningitis
Bacterial Meningitis
with full recovery
  1. Severe Encephalitis
Viral Encephalitis with
full recovery
Moderate Viral Encephalitis with full recovery
  1. Stroke with Permanent Neurological Deficit
Brain aneurysm surgery or
Cerebral shunt insertion
Carotid artery surgery
  1. Systemic Lupus
    Erythematosus with
    Lupus Nephritis
Mild Systemic Lupus


  1. The Multiplier Benefit is the relevant percentage of the sum assured shown in the product summary. The selected Multiplier Benefit and its expiry age must be the same as that selected for PRUlife multiplier flex.
  2. Early Stage and Intermediate Stage benefits payout under Early Crisis Multiplier Flex will reduce the PRUlife multiplier flex policy sum assured. If the sum assured of both PRUlife multiplier flex and Early Crisis Multiplier Flex is the same and a benefit payout for 100% of the sum assured from Early Crisis Multiplier Flex is made, the PRUlife multiplier flex policy and the Early Crisis Multiplier Flex benefit will terminate. A claim under the Crisis Multiplier Flex benefit within the PRUlife multiplier flex policy could result in either a reduction of sum assured or termination of Early Crisis Multiplier Flex.
  3. The premium payment term must be the same as PRUlife multiplier flex's premium payment term.
  4. Once a claim has been made for a listed medical condition, the list of medical conditions covered would be reduced accordingly and the customer cannot make a repeat claim on the same listed medical condition. A claim on the Early and/or Intermediate Stage Benefit will reduce the sum assured of Early Crisis Multiplier Flex and PRUlife multiplier flex.
  5. Future premiums for Early Crisis Multiplier Flex will be waived after the first successful claim is made under the Early Stage Benefit and the claim does not pay out the full sum assured.



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. This plan has no cash value. 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 that can be obtained from your Prudential Financial Consultant.

The information contained on this website is for distribution 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 this brochure, 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 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 26 August 2020.

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