PRUsmart lady II
We understand you want to take care of yourself through every chapter of life
As a modern, independent woman, you make your own decisions about your well-being. After all, your health needs are different from those of men, and your life has many milestones that only a woman can understand and prepare for. At Prudential, we understand this. That's why we now bring you PRUsmart lady II, a thoughtfully designed supplementary benefit that helps you take care of yourself, through all the important chapters of life.
Highlights
Coverage on female-related conditions and procedures1
Be entitled to a biennial health check-up
Enjoy 15% discount on the first-year premium of selected Prudential policies bought for significant life events
Optional enhancement to cover pregnancy-related conditions
Product Details
| Payment Term |
Regular Premium: 10 to 65 years |
| Policy Term |
10 to 65 years Up to 65 Age Next Birthday |
| Issuance Age |
16 to 55 Age Next Birthday |
| Accidental Death Benefit |
Not Applicable |
| Sum Assured |
Minimum Sum Assured: $10,000 Maximum Sum Assured: $50,000 |
| Core Benefits |
|
Rachel, age 25 next birthday, purchased PSL II rider with her whole-of-life plan which covers her up to age 65 next birthday by just paying $1.20 per day for sum assured of $25,000.
Upon diagnosis of carcinoma in situ of the breast, Rachel will receive a payout of 50% of the sum assured under the Female Illnesses benefit.
Subsequently, if the condition aggravates to malignant cancer of the breast, she will receive the remaining 50% of the sum assured.
If she is required to undergo mastectomy due to a malignant condition, she will receive 30% of the sum assured under the Medical Procedures benefit.
These lump sum payouts will help to defray some of the medical cost incurred, replace some loss of income or even pay for additional expenses incurred from the hospitalisation.
Under the recommendation of a doctor registered with the Singapore Medical Council, Rachel then undergoes breast reconstructive surgery following a Mastectomy. She will be reimbursed for the medical costs, up to 100% of the sum assured. The total medical cost incurred by her was approximately $30,000. Payout received by Rachel:
| Payout received by Rachel | |
| Female Illness Benefit | |
| Diagnosis of Carcinoma in situ of the breast | $12,500 |
| Diagnosis of Malignant Cancer of the breast | $12,500 |
| Medical Procedures Benefit | |
| Mastectomy due to a malignant condition | $7,500 |
| Reconstructive Surgery or Skin Grafting Benefit | |
| Breast reconstructive surgery following a Mastectomy | $25,000 |
| Total Payouts received by Rachel | $57,500 |
Just by paying an additional $1.00 per day, Rachel will be covered for selected pregnancy complications, congenital illnesses and hospital care for her newborn for a sum assured of $10,000 till age 45 next birthday.
Footnotes:
- A lump sum payout of up to 100% of the sum assured will be payable for each category - Female Illnesses, Medical Procedures, Reconstructive Surgery or Skin Grafting.
Note:
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. 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 (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).
Information is correct as at 17 April 2020.