Protection

PRUActive Life

• Customise your plan's

  from 5 to 30 years and policy term from 10 to 30 years.

• Multiplier Benefit¹

  Boost your coverage up to 5 times¹ until the age of 80 years¹, covering Death, Terminal Illness and Total and Permanent Disability.²

• Option to enhance your coverage with

  • Crisis Care (PRUAcitive Life II) for Late Stage 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

  • Early Crisis Care (PRUActive Life II) for Early and Intermediate Stage Medical Conditions and Special Benefits such as Juvenile Medical Conditions.

• Financial support in times of need

  Defer your premium payment, interest-free⁴ for up to 2 years without disrupting your coverage.

• Kinship booster benefit

  Additional 10% coverage when your immediate family member purchases a PRUActive Life II plan.⁵

Footnote

¹Multiplier Benefit is applicable only if you chose to have this benefit when you purchase the plan. It comes with choices 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 II and its attached Early Crisis Care and Crisis Care supplementary benefit.

²Total Permanent Disability Benefit expires on the policy anniversary before life assured turns 70 years old.

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 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.

⁴This 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.

⁵At the month after immediate family member purchases PRUActive Life II 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.

PRUActive Term

• Affordable Premiums

  For Protection against death, terminal illness and total and permanent disability¹ till 100 years² old.

• Flexibility

  to choose a premium payment term of 5 to 82 years.

• Customise your plan’s

  policy term from 10 to 82 years.

• Incremental Sum Assured benefit³

  Choice of incremental rate from 1% – 10% of basic sum assured.

• Option to Increase⁴ Death Benefit

  Up to two times its original sum assured.

• Enhance Your Coverage

  by adding Supplementary benefits.

   

Footnote

¹PRUActive Term provides coverage against death, terminal illness and total and permanent disability during the policy term. The life assured can only claim either death, terminal illness or total and permanent disability and not all. The total and permanent disability benefit ends on the policy anniversary before the life assured attains age 70.

²Based on age at next birthday.

³Incremental Sum Assured benefit is only applicable to the Death Benefit and starts from the 2nd Policy Year onwards. The sum assured for Death Benefit will automatically increase every year at the rate that was chosen. The premium will also increase annually with each Incremental Sum Assured based on the attained age of the Life Assured.

⁴Subject to a minimum sum assured of S$500,000 per application and at least 12 months after the policy cover start date or any reduction of sum assured (if any), with a minimum of six years.

PRUCancer 360

• Coverage up till age 100¹

  Provides cancer coverage from age 1 up till 100.¹

• Hassle-free, easy application

  Simply answer 3 health questions. No medical examination required.

• Affordable, customisable protection

  From as little as S$16 per month², you can customise your cancer protection coverage based on your unique needs, with a sum assured ranging from S$10,000 to S$300,000.⁴

• 100% payout for all cancer stages³

  Receive a 100% payout of your sum assured for all cancer stages.

   

Footnote

¹Maximum renewal age is 95.

²Based on sum assured of S$100,000, 25 year old female, non-smoker. The amount is rounded off to the nearest dollar.

³Payout is subject to definition and conditions found in the product summary that can be obtained from your UOB qualified Financial Adviser Representative. 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.

⁴Increments of sum assured are in multiples of $10,000. Maximum sum assured for age 1 – 16 is S$100,000.

PRUActive Protect

• 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.

PRULady


• 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).

PRUMortgage


• Flexible terms

  Flexible terms of 10 to 35 years.¹

• Choice of a range of interest rates

  Choose from 1% to 7% to ensure your home is adequately covered.

• Wide range of plans

  Available as a joint-life or individual policy.²

• Financial Protection


  Provides financial protection for the outstanding capital of a mortgage loan in the event of you/your spouse’s death or terminal illness during the policy term. You can also opt for protection against Total and Permanent Disability.³

   

Footnote

¹Terms available from 10 to 35 years or up to age 75 next birthday, less age next birthday at entry, whichever is earlier

²For joint life PRUMortgage policy, the benefits will be payable if either one of the two Life Assureds (first occurrence only) dies, becomes totally and permanently disabled or suffers terminal illness during the term of the policy. If both Life Assureds either die, become totally and permanently disabled or suffer terminal illness at the same time, we pay only for the first life assured (not both) named on the Certificate of Life Assurance. Please refer to the policy for specific details.

³Optional Disability Benefit provides coverage against Total & Permanent Disability during the term of the policy or up to 70 age next birthday, whichever is earlier and can only be added at the start of the policy.Optional Disability Benefit provides coverage against Total & Permanent Disability during the term of the policy or up to 70 age next birthday, whichever is earlier and can only be added at the start of the policy.

PRUMortgage Refund


• Flexible terms

  Flexible terms of 10 to 35 years.¹

• Choice of a range of interest rates

  Choose from 1% to 7% to ensure your home is adequately covered.

• Refund of premium

  At the end of policy term if no claim is made.²

• Wide range of plans

  Available as a joint-life or individual policy.³

• Financial Protection

  Provides financial protection for the outstanding capital of a mortgage loan in the event of you/your spouse’s death or terminal illness during the policy term. You can also opt for protection against Total and Permanent Disability.⁴

   

Footnote

¹Terms available from 10 to 35 years or up to age 75 next birthday less age next birthday at entry, whichever is earlier

²We will refund the total premiums paid (without interest) of the basic plan and inclusive of the Optional Disability Benefit, without interest, on the Cover Expiry Date of the policy provided no claim is made at the end of policy term.

³Optional Disability Benefit provides coverage against Total & Permanent Disability during the term of the policy or up to 70 age next birthday, whichever is earlier and can only be added at the start of the policy.

⁴Optional Disability Benefit provides coverage against Total & Permanent Disability during the term of the policy and can only be added at the start of the policy.

PRUShield


• Overseas medical treatment

  Emergency medical treatment outside Singapore and planned overseas treatment.

• Focus on your recovery

  Pre-hospitalisation coverage for up to 180 days and post-hospitalisation coverage for up to 365 days.

• No medical underwriting1 for future plan

  Purchase a new plan for significant life events.

• Yours for a lifetime

  Guaranteed renewability.

• Better flexibility

  Complement your PRUShield with a supplementary plan to further reduce your Deductibles2 and Co-insurance3, among other benefits.

• 10%4 Off premiums5 in first year

  for public service officer or staff of selected companies.

   

Footnote

¹This benefit is only applicable to PRUShield premier and PRUShield plus purchased under standard terms. It allows the life assured to buy a new plan up to the stipulated sum assured upon significant events in life without underwriting. The significant events include marriage, divorce, parenthood, adoption of a child through legal means, death of a spouse, marriage of the children and children entering primary or secondary school.

²Deductible is a fixed amount to be paid by a policyowner before the MediShield Life and PRUShield benefits are payable. Deductible will increase by 50% depending on ward class when the life assured is above age 85.

³Co-insurance is a percentage of the claimable amount that a policyowner needs to co-pay after deductible.

⁴Only for PRUExtra Premier and PRUExtra Plus.

⁵Refers to Prudential’s portion of the Integrated Shield Plan (IP) premium.

PRUExtra


• Enjoy up to 95% coverage¹
  One of the highest levels of coverage available in the market.

• Flexibility to choose the coverage that suits your budget and healthcare needs
  A choice of 3 private hospitalisation supplementary plans and 2 restructured hospitalisation supplementary plan.

• Claims based pricing rewards you for staying healthy
  20% PRUWell reward² if there’s no claim during review period for PRUExtra Premier CoPay and PRUExtra Preferred CoPay Supplementary Plan.

   

Footnote

¹Only applicable for PRUextra Premier CoPay, PRUExtra Preferred CoPay and PRUextra Plus CoPay.

²Enjoy PRUWell Reward, a 20% savings on standard premium when the policy is incepted with no exclusions. Going forward, if the premium level is at standard at the last policy renewal date and no claims were made from a private or restructured hospital or medical institution during the review period before the next policy renewal date, a PRUwell reward of 20% savings will apply on the standard premium amount at the next policy renewal date.