In today's unpredictable world, critical illness insurance has become an essential safeguard for your financial well-being. The PRUActive Protect plan by Prudential offers a comprehensive solution to protect you and your loved ones against the financial impact of critical illnesses. This innovative product provides coverage for up to 36 critical illnesses, with flexible policy terms and additional benefits tailored to your needs. Whether you're looking for basic protection or a more robust plan with early critical illness coverage, PRUActive Protect offers customizable options to suit your unique circumstances and budget.
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PRUActive Protect offers a wide range of coverage options and benefits to ensure you're protected against various critical illnesses. From the number of conditions covered to the payout structure, this plan is designed to provide comprehensive financial support when you need it most. Let's explore the key features of PRUActive Protect's coverage and benefits.
PRUActive Protect covers 36 critical illnesses, including major cancer, heart attack, and stroke. This comprehensive coverage ensures protection against a wide range of severe health conditions.
The plan clearly defines covered critical illnesses, ensuring transparency in claims. Conditions must be diagnosed by a registered medical practitioner and meet specific criteria for payout eligibility.
PRUActive Protect offers both lump sum and multi-pay options. With the Protect Plus rider, you can claim up to 500% of the sum assured for multiple critical illnesses, providing extended financial support.
The plan includes a Special Benefit covering 12 additional medical conditions. This benefit pays 20% of the Early Protect sum assured, up to $25,000 per condition, with a maximum total payout of $200,000.
PRUActive Protect goes beyond basic critical illness coverage by offering a range of additional benefits. These features are designed to provide extra protection and support for you and your family in various scenarios. Let's examine the key additional benefits that make PRUActive Protect stand out.
This benefit provides a 50% payout of the sum assured (up to $100,000) if you undergo surgery on vital organs and require at least 3 consecutive days in ICU. It offers additional financial support during severe health crises.
When both parents have a PRUActive Protect policy, their children receive complimentary coverage. This benefit pays up to $25,000 or 25% of the higher sum assured from the parents' policies for 36 critical illnesses and juvenile conditions.
If your spouse is diagnosed with a critical illness, PRUActive Protect waives your premiums for 12 months. This benefit helps reduce financial strain during challenging times for your family.
| Age | What suggestion covers | Premium |
|---|---|---|
| 24, Female making $4,200 a month | personal accident $250,000 | $626.21 annual |
| 38, Female making $5,000 a month | monthly benefit $600 | Not provided |
| 45, Female making $12,500 a month | aci $750,000 death tpd $1,000,000 eci $250,000 | $13,649.5 annual |
| 26, Male making $8,083.333 a month | death $500,000 | $668 annual |
| 39, Male making $4,166.667 a month | base plan: description Covers all Singapore Restructured Hospitals, up to A ward | Not provided |
PRUActive Protect offers flexible policy terms to accommodate various life stages and protection needs. Understanding the entry age requirements, policy term options, and renewability features can help you choose the most suitable coverage duration. Let's explore the key aspects of PRUActive Protect's policy terms and renewability options.
PRUActive Protect is available for individuals up to 65 years old. This wide age range allows both young adults and those nearing retirement to secure critical illness protection.
Choose a policy term from 10 to 99 years. This flexibility allows you to align your coverage with your specific financial planning goals and life stage needs.
Before age 65, you can convert your PRUActive Protect policy to a whole life or endowment plan. This option provides flexibility to adjust your coverage as your needs change over time.
Filing a claim with PRUActive Protect is designed to be straightforward during what can be a challenging time. To initiate a claim, policyholders should contact Prudential's customer service team or their financial consultant as soon as possible. Required documentation typically includes medical reports, diagnosis details, and completed claim forms. Prudential aims to process claims efficiently, with payouts usually made within 7-14 days of receiving all necessary documents. For any questions or assistance, customers can reach out to Prudential's dedicated support team via phone, email, or through their online portal.
PRUActive Protect offers a versatile critical illness insurance solution that can benefit a wide range of individuals. It's particularly well-suited for young professionals looking to secure early protection, families seeking comprehensive coverage for multiple members, and those nearing retirement who want flexible policy terms. The plan's customizable nature allows it to adapt to changing life circumstances, making it a valuable addition to many financial portfolios.
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