In today's world, the threat of critical illness looms large. Did you know that 1 in 4 people in Singapore may develop cancer in their lifetime? Or that cardiovascular diseases account for 31% of all deaths in the country? These sobering statistics highlight the importance of having robust critical illness coverage. If you're looking for a flexible and comprehensive critical illness plan, PRUActive Protect might be the solution you've been searching for.
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PRUActive Protect is a customizable critical illness insurance plan offered by Prudential . It's designed to provide financial protection against a wide range of critical illnesses, with the unique feature of allowing you to build and adjust your coverage as you progress through different life stages. This plan not only covers you but can also extend protection to your spouse and children, making it a comprehensive family solution.
Build your protection against recurring and relapse critical illness conditions anytime during your policy term (up to age 65). Choose a policy term from 10 up to 99 years.
Covers 37 critical illnesses up to age 100 , including major conditions like cancer, heart attack, and stroke.
Provides payout for serious illnesses or accidents affecting major organs that result in ICU admission.
Complimentary coverage for your children against critical illnesses and juvenile conditions.
Waives one year of premiums if your spouse is diagnosed with a critical illness.
Protect Plus, Early Protect, and Early Protect Plus for enhanced coverage options.
| Age | What suggestion covers | Premium |
|---|---|---|
| 27, Female making $8,100 a month | death $20,000 critical illness $100,000 | $35.79 |
| 24, Female making $83,333.333 a month | CI $250,000 | $1,027.5 |
| 25, Female making $3,500 a month | TPD death $20,000 critical illness: amount $100,000 multiplier $5 early critical illness: amount $100,000 multiplier $5 | $[object Object] |
| 27, Male making $3,200 a month | death $150,000 early critical illness $75,000 additional death benefit $30,000 | $945 |
| 28, Male making $9,000 a month | death $20,000 critical illness $100,000 | $35.79 |
PRUActive Protect provides coverage against 37 critical illnesses , including:
And many other conditions that can significantly impact your quality of life and financial stability.
Total payout from PRUActive Protect: S$470,000
This example illustrates how PRUActive Protect can provide comprehensive coverage throughout different life stages and multiple health events.
S$100,000 for critical illness, S$20,000 for death benefit, Coverage until age 85, Monthly premium: S$35.79
Adds Protect Plus and Early Protect (S$100,000 coverage for pre-critical stage illness), New monthly premium: S$97.84
Adds Early Protect Plus, New monthly premium: S$115.35
Receives S$100,000 payout from Early Protect , Continues to be covered for critical illness, pre-critical stage illness, and death
Receives another S$100,000 payout from Early Protect Plus , Coverage continues
Receives S$50,000 payout under Crisis Care Accelerator Benefit
Receives S$100,000 payout from Early Protect Plus, Coverage continues
Receives S$100,000 payout from PRUActive Protect , Coverage continues
Jane's premiums are waived for 1 year under Spouse Waiver Benefit
Her family receives S$20,000 death benefit
Allows coverage to restore to 100% after each critical illness claim. Make multiple claims up to 500% of the PRUActive Protect sum assured.
Covers pre-critical stage critical illnesses. Claim up to 100% of coverage amount.
Provides repeated coverage for recurring or relapse of pre-critical stage illnesses. Make multiple claims up to 500% of the Early Protect sum assured.
Life Protect Plus, Severe Infections Protect, Monthly Benefit
Pays out 50% of the critical illness benefit (capped at S$100,000) if you undergo surgery on vital organs and are admitted to ICU for 3 or more consecutive days.
When both parents have a PRUActive Protect policy, all their unnamed children get complimentary coverage for critical illnesses and juvenile conditions.
Waives 1 year of premiums for PRUActive Protect and supplementary benefits if your spouse is diagnosed with a critical illness.
Highly customizable coverage
Comprehensive protection against 37 critical illnesses
Option to cover early-stage and recurring illnesses
Family-oriented benefits (Child Cover and Spouse Waiver)
Flexibility to add coverage as life circumstances change
Premiums are not guaranteed and may increase
No savings or investment component
Early termination may result in zero or less than total premiums paid
Waiting periods apply for some benefits
Pre-existing conditions are typically excluded
Yes, you can add supplementary benefits up to age 65.
Your policy may lapse, and you may lose your coverage. It's important to maintain premium payments.
Yes, waiting periods apply for some benefits, especially for recurring illnesses.
Yes, for some benefits like Early Protect, you need to survive for at least 7 days from diagnosis.
Pre-existing conditions are typically excluded. It's best to disclose all health information during application.
PRUActive Protect offers a flexible and comprehensive approach to critical illness coverage . Its unique feature of allowing you to build and adjust your protection as you progress through life makes it stand out in the market. The plan's extensive coverage, including early-stage and recurring illnesses, provides a robust safety net against the financial impact of critical illnesses.
However, as with any insurance decision, it's crucial to carefully consider your personal needs, health status, and financial situation before making a choice. The flexibility of PRUActive Protect is a double-edged sword – while it allows for customization, it also requires careful planning to ensure you're adequately covered without overextending your budget.
Remember, the best insurance plan is one that provides peace of mind and fits your specific circumstances. If you're considering PRUActive Protect or any other critical illness plan, it's always wise to consult with a financial advisor who can provide personalized recommendations based on your unique situation.
Ready to explore your options further? Don't rely on just one perspective. Get expert insights tailored to your unique needs. Sign up now to receive 5 expert opinions on critical illness insurance. These professionals will review your specific situation and provide personalized recommendations, helping you make the most informed decision possible.
By consulting with multiple experts, you'll gain a comprehensive understanding of your options and ensure you're choosing the best coverage for your needs and life stage. Don't leave your protection to chance – get the expert advice you deserve today .
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Read the complete transcript of our expert discussion about PRUActive Protect. This detailed analysis covers key features, benefits, and important considerations for potential policyholders.
So, you've just landed that first big job here in Singapore and there's this incredible feeling, isn't there? That surge
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