Protection

PRUActive Life III is a whole-of-life insurance plan that optimises your coverage while accumulating cash value over time. Flexible and customisable, PRUActive Life III provides comprehensive protection at every stage, so that you can do life to the fullest.

• Flexible premium payment term
  Choose your premium payment term between 5 to 35 years to meet your unique needs.
• Multiplier Benefit¹
  Boost your coverage up to 5 times until the age of 80 years to cover against Death, Terminal Illness, Total and Permanent Disability.
• Crisis Care (PRUActive Life III)* and Early Crisis Care (PRUActive Life III)*
  Optional coverage for Pre-Critical Medical Conditions (such as Carcinoma In Situ of any organs²) and Critical Medical Conditions; and Crisis Care Accelerator Benefit which covers serious illnesses or accidents that affect major organs, resulting in admission to intensive care unit (ICU)³.
• Family Waiver Benefit⁴
  Ease your financial burden in difficult times with a premium waiver for up to a period of one year, when an immediate family member passes on.
• Financial support in times of need
  Defer your premium payment, interest free⁵ for up to 2 years without disrupting your coverage.
• Kinship Booster Benefit⁶
  Additional 10% coverage when your immediate family member purchases a PRUActive Life III plan.

Footnotes
¹Multiplier Benefit is applicable only if you chose to have this benefit when you purchase the plan. It comes with choice of 2x, 3x, 4x or 5x and Expiry Age choices of 65, 70, 75 or 80. Multiplier Benefit and the Multiplier Benefit Expiry Age will apply to PRUActive Life III and its attached Early Crisis Care and Crisis Care supplementary benefit. 
²Subject to terms and conditions under PRUActive Life III and its attached Early Crisis Care supplementary benefit.
³Applicable 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 or more consecutive days. Excluding surgery due to organ donation. Subject to cap of S$100,000 per life assured. Only 1 claim is payable per policy.
⁴Subject to a maximum of 1 claim per policy.
⁵This interest-free loan amount needs to be paid back at the end of the premium deferment period, if not, interest on the loan amount starting from the end of the premium deferment period will be charged.
⁶At the month after immediate family member purchases PRUActive Life III policy. Kinship Booster benefit is only applicable to the basic sum assured (excluding multiplier benefit), does not accumulate any cash value and can only be applied to the policy on or before age next birthday 55. Subject to cap of S$100,000 per life assured. If the existing life assured has already made claims from the policy, the Kinship Booster Benefit no longer applies. # Refer to Early Crisis Care (PRUActive Life III) and Crisis Care (PRUActive Life III) on our website for more details.
*Terms & Conditions apply. Refer to www.prudential.com.sg/PAL3 for more details.

PRUActive Term gives you the flexibility of increasing your basic coverage amount annually to keep up with your changing lifestyle. With a choice to choose your premium term anywhere from 5 years onwards, you get to finish your premiums in a shorter period or extend across a longer period to have the coverage and achieve other financial goals as well. PRUActive Term covers you up to 100 years old with the freedom to stop your policy any time.

• Increasing coverage to match growing commitments.
  Our lifestyles keep changing as we go through the journey of life. And as we grow in our careers and with our families, our commitments grow too. PRUActive Term is a unique plan which accommodates your changing lifestyle by adjusting your basic Death benefit sum assured^ and the premiums annually without the need to undergo medical examination.
• Pay your premiums at your own pace.
  Why wait to make premium payments each year when you can pay them over a shorter duration? PRUActive Term gives you the freedom of choice and lets you determine your premium payment term anywhere from 5 to 82 years.
• Customise your plan to your needs.
  Planning for your loved ones has never been easier. With coverage against Death, as well as Total and Permanent Disability^#, you will rest easy knowing that your family will be cared for. You are free to choose your coverage duration from 10 to 82 years. Your coverage amount can also be adjusted to match your needs.
  

Footnotes
^Incremental rate is between 1% to 10% of the basic Death benefit sum assured.
^#PRUActive Term provides coverage against Total and Permanent Disability during the term of the
policy, or before the policy anniversary prior to the life assured attaining age 70, whichever is earlier.

Expenses associated with critical illnesses goes beyond hospitalization, treatment and doctor fees. PRUActive Protect is designed to ease your financial burdens, providing assurance and ease of mind during your recovery. PRUActive Protect provides coverage against 37 critical illnesses¹, including: Major Cancer, Heart attack of specified severity, Stroke with permanent neurological deficit, Coronary artery bypass surgery, End stage kidney failure, End stage liver failure, Alzheimer’s Disease / Severe Dementia and other medical conditions that often impact quality of life and incur greater than usual medical expenses.

• Critical illness coverage up to age 100
  Get coverage for 37 critical illnesses with a customizable policy term from 10 up to 99 years.
• Crisis Care Accelerator Benefit¹
  Receive payout on serious illnesses or accidents that affect major organs, resulting in admission to Intensive Care Unit (ICU).
• Child Cover Benefit²
  Complimentary coverage for your children against critical illnesses and juvenile conditions so you can enjoy their growing years with peace of mind.
• Spouse Waiver Benefit³
  Ease your financial burden in difficult times with a 1 year premium waiver.

Optional Supplementary Benefits

• Protect Plus⁴
  Continue to stay protected against relapses or recurrences of any of the critical illness conditions up to 500% of your selected coverage.
• Early Protect⁵
  Be covered against pre-critical stage critical illnesses and claim up to 100% of coverage amount.
• Early Protect Plus⁶
  Have repeated coverage against recurring or relapse of pre-critical stage critical illnesses up to 500% of your selected coverage amount.

Other supplementary benefits available include Life Protect Plus for additional death benefit, Severe Infections Protect for coverage against serious infectious diseases, and Monthly Benefit that provides monthly payout for a period of 1 to 3 years.

Footnotes
Maximum age to add on riders is 65
¹Applicable 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. We pay this benefit once only and for 50% of the critical illness benefit, subject to a cap of S$100,000 per life assured.
²When both parents purchase a PRUActive Protect policy each, all their unnamed children will be entitled to a child cover benefit. Refer to Product Summary for full list of critical illnesses and juvenile conditions.
³Waives 1 year of premiums under the PRUActive Protect policy and supplementary benefits excluding Crisis Waiver III, Early Crisis Waiver, Payer Security Plus and Early Payer Security for a period of 1 year when the spouse of the life assured is diagnosed with critical illness.
⁴Coverage restores to 100% after each critical illness claim, allowing you to make multiple claims of up to 500% of the PRUActive Protect sum assured. This 500% of the sum assured includes claims for any pre-critical stage critical illness claim under the Early Protect benefit (if this benefit is included). For the critical illness coverage to restore to 100%, the waiting period between claims for critical illnesses of different category and same category is 12 months and 24 months respectively.
⁵Maximum benefit payable applies. The life assured is required to survive for at least 7 days from the date of diagnosis before the relevant benefit is payable.
⁶Coverage restores to 100% after each pre-critical stage critical illness claim, allowing you to make multiple claims of up to 500% of the Early Protect sum assured. This 500% includes claims for any of the critical illnesses under the PRUActive Protect policy. For the pre-critical stage critical illness coverage to restore to 100%, the waiting period between claims for pre-critical stage critical illnesses of different category and same category is 12 months and 24 months respectively.

Please refer to the Product Summary for more information.

PRUCancer 360 is a life insurance meant for you to enjoy life to the fullest by shielding against uncertainties.

• Coverage up till age 100¹
  Provides cancer coverage from age 1 up till 1001, so that you can live life to the fullest.
• Hassle-free, easy application
  Simply answer 1 health question.
• Affordable, customizable protection
  Customize your cancer protection based on your unique needs, from sum assured of $10,000 up to $300,000².
• Full cancer coverage
  Coverage for all stages of cancer for ultimate peace of mind.
• 100% payout for all cancer stages³
  Receive 100% payout4 of your sum assured for all cancer stage diagnosis.

Footnotes
¹Maximum renewal age is 95.
²Increments of sum assured are in multiples of $10,000. Maximum sum assured for age 1 – 16 is $100,000. 
³Payout is subject to definition and conditions found in the product summary that can be obtained from your UOB Banker. For certain medical conditions, there is a waiting period of 90 days from the date of issue or reinstatement whichever is later. Survival period is applicable before a claim can be made.

PRUMortgage is a reducing term life insurance plan that ensures your family will always have a home and shelter, by protecting against unforeseen events for your mortgage commitments.

• Financial flexibility
  You can choose to pay your premiums on a monthly, quarterly, half-yearly or yearly basis, and your premium amount remains the same throughout the policy term.
• Protection against the unforeseen
  You will receive a lump sum payout in the event of Death and Terminal Illness during the policy term. You can also opt for protection against Total and Permanent Disability.
• Customizable coverage
  You can choose your policy term between 10 to 35 years, with a range of interest rates that lets you determine a suitable sum assured amount for your outstanding loan repayment.
• We cover your partner as well
  As a joint-life policy, your partner will enjoy coverage if both of you are joint owners of the mortgage loan.
• Simplified Underwriting
  You can enjoy fuss-free application with simplified underwriting.

Footnotes
Terms & Conditions apply.
Please refer to www.prudential.com.sg/prumortgage for more details.

A supplementary plan for your medical needs to provide additional benefits in times of need. Enjoy exclusive benefits like having access to PruPanel Connect and get rewarded for staying healthy. 

• Appointment Booking 
  Book an appointment to visit a PRUPanel Connect specialist through our website or our hotline at 1800 333 0333.
• Enhanced Letter of Guarantee (LOG) 
  Enjoy a cashless¹ experience and a higher LOG amount of S$30,000 and S$15,000 for participating specialists at PRUPanel Connect Private Hospitals and Private Day Surgery Centres respectively.
• Pre-Authorisation Letter 
  If you are not eligible for LOG at our PRUPanel Connect Private Partner Healthcare Institutions, you may still apply for Pre-Authorisation. Simply inform the Business Office/Centre to submit your request and allow three working days for processing.
• Lower Claims-Based Premium Pricing & Stop-Loss Benefit² 
  Premium level will remain unchanged for PRUExtra Premier CoPay and PRUExtra Preferred CoPay upon the next policy renewal should all claims within the same review period be made under panel providers. You can also enjoy a stop-loss benefit which caps out-of-pocket expenses at S$3,000 per policy year.
• Concierge Service 
  Visit our concierge desk at PRUPanel Connect Private Partner Hospitals for assistance on any PRUShield related enquiries. Customers admitted for in-patient or day surgery can also get a complimentary hospital parking coupon here or a GrabGift voucher³ via email.
• Extended Panel 
  Get access to a wider choice of doctors and better continuity of care. Enjoy selected panel benefits when seeing doctors from other insurers’ panels through Pre-Authorisation.

Footnotes
¹Terms & conditions apply.
²To be eligible for panel benefits, the treatment must be in-patient or a day surgery provided by a participating specialist empaneled at the PRUPanel Connect Healthcare Institution as indicated on Prudential’s official website.
³For in-patient and day surgery cases only. GrabGifts are single-use vouchers that can be used on Transport, Food, Mart, or Express on Grab mobile app. 

A supplementary plan alongside with Medishield Life, designed to provide more comprehensive medical coverage, with minimal out-of-pocket expenses and enjoy exclusive benefits under Prudential.

• Extensive Coverage
  High annual coverage of up to S$2 million¹ for medical treatment, including comprehensive cancer treatment coverage.
• Recover with a peace of mind
  Pre-hospitalisation coverage for up to 180 days and post-hospitalisation coverage for up to 365 days², minimizing out-of-pocket expenses
• Yearly Coverage Refreshment
  Refresh your annual coverage without financial worries.
• Coverage assessment for all individuals.
  Coverage for individuals with elevated risk profiles through risk-based loading³
• Convenience of preferred Medical Institutions
  Wide choice of private and restructured hospitals, ward classes and doctors for your convenience or preference, alongside with a supplementary plan to limit your out-of-pocket expenses to S$3,0000 per policy year⁴
• Access to coverage anywhere with Exclusive benefits
  No Medical Underwriting5 for any new plan purchase at significant life events.
  Have access to emergency medical treatment outside Singapore and planned overseas medical treatments in times of need and enjoy exclusive value added services such as health screening, vaccination, teleconsultation at partner rates and chronic care management for all PRUShield customers.

Footnotes
¹For PRUShield Premier plan, the policy year limit is S$2 million provided all claims within the same policy year are incurred at panel providers
²Subject to underwriting assessment.
³Out-of-pocket expenses are capped at S$3,000 per policy year if you seek treatment from participating PRUPanel Connect specialists at panel hospitals or day surgery centres, or Extended Panel specialists with pre-authorization approval.
⁴This benefit allows customers who purchased PRUShield on Standard Terms and have yet to make a claim to purchase another policy without evidence of good health at significant life events such as marriage and becoming a parent. Other terms & conditions apply. Please check with your UOB Banker for the policy document for full details.

• Protect your health
  Includes preventive health screening once every two years.¹
• Comprehensive coverage that covers you through every stage of your life²
  Covers a wide range of female-related conditions.³
• Premium waiver
  Enjoy a premium waiver for up to 36 months when you make a female illness claim.⁴
• Optional add-on coverage during pregnancy⁵

Footnote
¹Biennial health screening starts from the third policy year. The medical tests offered will depend on the plan chosen under your PRULady policy. For full details of the tests that you’ll be entitled to, please refer to the product summary that can be obtained from your UOB Banker.
²Life assured is covered up to the policy anniversary preceding 65 or 75 years old.
³The full list of benefits covered and their definitions may be found in the product summary that can be obtained from your UOB Banker. For PRULady, each covered female illness, medical procedure, reconstructive surgery or skin grafting and post diagnosis support shall be payable once only.
⁴The female illness claim should be at least 50% of the sum assured. The waiver of premium can be activated up to two times during the policy term.
⁵For Maternity Cover Plus, each covered pregnancy complication and congenital illness shall be payable only once. The total sum assured payable for all benefits (except for hospital care) is subject to a payout of 100% of sum assured. For hospital care, the percentage of sum assured payable is 1% of sum assured for each day of hospitalisation (subject to a limit of 100% of sum assured).

• 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 ICU.¹
• Child cover benefit
  Complimentary protection for your children against 36 critical illnesses and 9 juvenile conditions² 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.

Footnote
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.