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Early Stage Crisis Waiver

Focus on Recovery Without Worrying About Premium Payments

When critical illness occurs, you want to focus on recovery without worrying about your premium payments.

Add Early Stage Crisis Waiver1 and Crisis Waiver III2 to your main plan to waive your future premiums upon the diagnosis of Early3 or Intermediate Stage Medical Conditions and Critical Illnesses respectively.


early stage crisis waiver focus on recovery en 

Premiums are waived upon diagnosis

early stage crisis waiver up to 10 years en 

Waiver term upon diagnosis of early / intermediate stage medical conditions

early stage crisis waiver up to 2 en 

Maximum number of claims for early stage medical condition

Product Details

Payment Term

1 to 74 years, depending on basic plan up to 85 Age Next Birthday

Policy Term

1 to 74 years, depending on basic plan up to 85 Age Next Birthday

The term of this plan must be equal to the remaining premium term of the plan to which it is attached.

Issuance Age

11 to 70 Age Next Birthday

Accidental Death Benefit

Not Applicable

Sum Assured

Maximum Premium to Be Waived:

  • $15,000 per annum, per life
Core Benefits
  • Waives your premiums of the covered benefits for 5 years upon the diagnosis of Early Stage Medical Conditions3 and allows a claim for a second time4.
  • Waives your premiums for 10 years5 upon the diagnosis of Intermediate Stage Medical Conditions.

Covered medical conditions:

Crisis Waiver III2 Early Stage Crisis Waiver1
  Critical Illnesses
(Full premium term waiver)
Early Stage Medical Conditions3
(Waiver of premium for 5 years)
Intermediate Stage Medical Conditions
(Waiver of premium for 10 years5)
1 Alzheimer’s Disease / Severe Dementia Moderately severe Alzheimer’s Disease or Dementia  -
2 Benign Brain Tumour Surgical removal of pituitary tumour or Surgery for subdural haematoma -
3 Blindness
(Irreversible Loss of Sight)
Loss of sight in one eye Optic Nerve Atrophy with low vision
4 Coma Coma for 48 hours Severe Epilepsy or Coma for 72 hours
5 Coronary Artery By-pass Surgery Keyhole coronary bypass surgery or Coronary Artery Arthrectomy or Transmyocardial Laser Revascularisation or Enhanced External Counterpulsation Device Insertion -
6 Deafness
(Irreversible Loss of Hearing)
Partial loss of hearing or Cavernous sinus thrombosis surgery Cochlear implant surgery
7 End Stage Kidney Failure Surgical removal of one kidney or Chronic Kidney Disease -
8 End Stage Liver Failure Liver surgery Liver Cirrhosis
9 End Stage Lung Disease Severe Asthma or Insertion of a Veno-cava filter Surgical removal of one lung
10 Fulminant Hepatitis Hepatitis with Cirrhosis -
11 Heart Attack of Specified Severity Cardiac pacemaker insertion or Pericardectomy Cardiac defibrillator insertion or Early Cardiomyopathy
12 HIV Due to Blood Transfusion and Occupationally Acquired HIV HIV due to Assault, Organ Transplant or Occupationally Acquired HIV -
13 Idiopathic Parkinson’s Disease Moderately severe Parkinson’s Disease -
14 Irreversible Aplastic Anaemia Reversible Aplastic Anaemia -
15 Irreversible Loss of Speech Loss of Speech due to neurological disease or neurological injury -
16 Loss of Independent Existence - -
17 Major Burns Moderately severe burns -
18 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
19 Major Head Trauma Facial reconstructive surgery or Spinal cord injury -
20 Major Organ / Bone Marrow Transplantation Small bowel transplant; or Corneal transplant -
21 Motor Neurone Disease Early Motor Neurone Disease -
22 Multiple Sclerosis Early Multiple Sclerosis -
23 Muscular Dystrophy Moderately severe Muscular Dystrophy -
24 Open Chest Heart Valve Surgery Percutaneous Valve Surgery -
25 Open Chest Surgery to the Aorta Minimally invasive surgery to Aorta or Large asymptomatic aortic aneurysm -
26 Other Serious Coronary Artery Disease - -
27 Paralysis (Irreversible Loss of Use of Limbs) - -
28 Persistent Vegetative State (Apallic Syndrome) - -
29 Poliomyelitis - -
30 Primary Pulmonary Hypertension Early Pulmonary Hypertension Secondary Pulmonary Hypertension
31 Progressive Scleroderma Early Progressive Scleroderma Progressive Scleroderma with CREST syndrome
Severe Bacterial Meningitis Bacterial Meningitis with full recovery -
33 Severe Encephalitis Viral Encephalitis with full recovery -
34 Stroke with Permanent Neurological Deficit Brain aneurysm surgery or Cerebral shunt insertion Carotid artery surgery
35 Systemic Lupus Erythematosus with Lupus Nephritis - -


Note: Please refer to the respective policy document for the definition of the listed Medical Conditions. For certain Medical Conditions, there is a waiting period of 90 days from the date of issue or reinstatement, whichever is later.

*The waiver duration is up to your chosen age ranging from 55 to 85 years old for PRULink Enhanced Protector.


How the supplementary benefits help you:

early stage crisis waiver infographic en



  1. Early Stage Crisis Waiver can only be attached if Crisis Waiver III is attached to the same policy. The maximum premium waiver period under the Early Stage Crisis Waiver Benefit is 10 years, after which the benefit terminates and premium payment for the covered benefits will resume. The waiver duration is subject to the remaining premium term of the covered benefits and up to age 85. The waiver duration is up to your chosen age ranging from 55 to 85 years old for PRULink Enhanced Protector.
  2. Crisis Waiver III waives the future premiums of the covered benefis up to age 85. The waiver duration is up to your chosen age ranging from 55 to 85 years old for PRULink Enhanced Protector.
  3. After the end of the Early Stage Premium Waiver Period, premium payment for the covered benefis will resume, but the premiums for the Early Stage Crisis Waiver will continue to be waived.
  4. The second claim will waive the premium for another 5 years. This is provided the second claim is not for the same Medical Condition as the first claim, and it does not fall within the same category of the first Early Stage Medical Condition.
  5. If there was a successful claim under Early Stage Medical Conditions, the Intermediate Stage Medical Conditions Benefit only waives 5 years of future premiums.



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. 

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.

This policy is 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 ( or or

Information is correct as at 26 August 2020.

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