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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.



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Coverage on female-related conditions and procedures1

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Be entitled to a biennial health check-up

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Enjoy 15% discount on the first-year premium of selected Prudential policies bought for significant life events

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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
  • Lump sum payment upon diagnosis of selected major female illnesses.
  • Covers selected treatment expenses for a variety of female related procedures
  • Reimburses for reconstructive surgery and skins grafts caused by mishap, major burns or skin cancer
  • Comprehensive female medical checkup every two years
  • Exclusive loyalty benefit of 15% off first year policy premiums when you purchase a policy2 for you, your spouse or child upon significant events in life

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.


  1. 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.


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 ( or or

Information is correct as at 17 April 2020.

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