In today's fast-paced world, we're all trying to DO it all - chase our dreams, build careers, and nurture relationships. But life can throw unexpected curveballs, and cancer is one of the most challenging. Did you know that every day in Singapore, about 39 people are diagnosed with cancer, and 15 people lose their lives to this disease? These statistics are sobering, but they underscore the importance of being prepared. That's where PRUCancer 360 comes in - a comprehensive cancer protection plan designed to give you peace of mind so you can focus on living your best life.
Find the right coverage in minutes
Use our advanced calculator to get personalized insurance recommendations
Get precise coverage recommendations based on your needs
Receive instant results without lengthy consultations
Get tailored recommendations based on your unique situation
These facts highlight the need for comprehensive cancer coverage, regardless of your age or health status.
Cancer is the #1 killer in Singapore, accounting for 30% of total deaths annually.
The average coverage gap for critical illness in Singapore is about $250,000.
Cancer can strike at any age, with specific types more common among young adults (15-34 years old).
For males: Lymphoma, Leukaemia, and Testis Cancer
For females: Thyroid Cancer, Breast Cancer, and Ovarian Cancer
PRUCancer 360 is an innovative cancer protection plan by Prudential that aims to make cancer coverage more affordable, complete, and easy to obtain. Here's what makes it stand out:
PRUCancer 360 provides cancer coverage from age 1 all the way up to age 100 (with a maximum renewal age of 95). This means you can enjoy protection throughout your life, giving you and your loved ones long-term peace of mind.
Unlike many insurance policies that require extensive health questionnaires or medical check-ups, PRUCancer 360 only asks you to answer one health question . This simplifies the application process, making it quick and stress-free.
You can tailor your cancer protection based on your unique needs and budget. The sum assured ranges from $10,000 up to $300,000 , with increments in multiples of $10,000. For children aged 1-16, the maximum sum assured is $100,000.
PRUCancer 360 covers all stages of cancer, from early to advanced stages. This comprehensive coverage ensures you're protected no matter when cancer is diagnosed.
Upon diagnosis of cancer at any stage, you'll receive 100% of your chosen sum assured. This feature sets PRUCancer 360 apart from many other cancer plans that offer staged payouts.
PRUCancer 360 is designed to fit various budgets. Here are some examples of monthly premiums for a 25-year-old non-smoking female:
These affordable premiums make it easier for you to get the protection you need without straining your budget.
Sarah, a 30-year-old marketing executive, is diagnosed with early-stage breast cancer. With her PRUCancer 360 plan (sum assured: $150,000), she receives the full payout immediately. This allows her to take time off work for treatment, cover medical expenses beyond health insurance, and pay for additional supportive therapies.
John, a 45-year-old father of two, is diagnosed with advanced lung cancer. His PRUCancer 360 plan (sum assured: $300,000) provides a full payout, helping him access the best possible treatment options, ensure his family's financial stability, and cover potential loss of income.
Lisa, a 60-year-old retiree, is diagnosed with early-stage colon cancer and receives the full payout from her PRUCancer 360 plan (sum assured: $200,000). Five years later, she's diagnosed with an unrelated breast cancer. This scenario highlights the importance of having multiple layers of protection.
Peace of Mind: Knowing you're covered for all cancer stages allows you to focus on your health and recovery if diagnosed.
Financial Security: The 100% payout helps alleviate financial stress during a challenging time.
Flexibility: You can choose a coverage amount that fits your needs and budget.
Simplicity: The easy application process and straightforward coverage make it an accessible option for many.
Long-term Protection: Coverage up to age 100 means you're protected for the long haul.
While PRUCancer 360 offers comprehensive cancer protection, there are a few points to keep in mind:
Waiting Period: There's a 90-day waiting period from the date of issue or reinstatement, whichever is later, for certain medical conditions.
Survival Period: A survival period applies before a claim can be made. Check the product summary for details.
Pre-existing Conditions: Like most insurance policies, pre-existing conditions are typically not covered.
Premium Adjustments: Premiums are not guaranteed and may be adjusted based on future claims experience.
No Savings Component: As this is a pure protection plan, there's no cash value if the policy ends or is terminated prematurely.
Yes, family history doesn't disqualify you. However, be sure to answer the health question truthfully.
Claims for diagnoses during the 90-day waiting period typically won't be payable. Always check the policy terms for specifics.
You would need to check with Prudential about options for increasing coverage after purchase.
No, it's designed to complement your health insurance, not replace it. Health insurance covers a wide range of medical conditions, while PRUCancer 360 provides a lump sum payout specifically for cancer diagnosis.
PRUCancer 360 terminates after the first claim, so a second cancer diagnosis wouldn't be covered under this policy.
Cancer is a formidable opponent, but with the right protection, you can face it with confidence. PRUCancer 360 offers a straightforward, comprehensive solution to cancer protection , allowing you to live life to the fullest without constant worry about the financial impact of a cancer diagnosis.
Remember, while insurance is crucial, it's just one part of a healthy lifestyle. Regular check-ups, a balanced diet, exercise, and avoiding harmful habits like smoking are all important in reducing your cancer risk.
Ready to take the next step in protecting yourself against cancer? Don't rely on just one perspective. Get expert insights tailored to your unique situation. Sign up now to receive 5 expert opinions on cancer protection insurance . These professionals will review your needs 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. Don't leave your protection to chance – get the expert advice you deserve today.
By filling this out, you agree to allow us to contact you about insurance related information.
Read the complete transcript of our expert discussion about PRUCancer 360. This detailed analysis covers key features, benefits, and important considerations for potential policyholders.
Welcome to the deep dive. So, for so many of you young professionals kicking things off in Singapore, maybe like me, you're navig
Click above to view the complete podcast transcript
Compare other critical illness options to find the best coverage for your needs
PRUActive Protect offers a comprehensive shield against life's uncertainties, covering an impressive 36 critical illnesses while also extending protection to your children. What sets this product apart is its unique ability to safeguard not just you, but also your parents, creating a multi-generational safety net. This innovative approach to family protection makes PRUActive Protect a standout choice for those looking to secure their loved ones' future.
PRUEarly Stage Crisis Cover offers a comprehensive shield against life's unexpected health challenges. With coverage for an impressive 70 conditions from their early stages, this innovative product provides peace of mind not just for you, but also extends protection to your parents. This unique feature allows you to safeguard your family's health and financial well-being across generations, making it a standout choice in critical illness coverage.
PRULady stands out with its thoughtful approach to women's health coverage. Not only does it offer comprehensive protection, but it also provides 100% sum assured for breast reconstruction - a unique benefit that recognizes the physical and emotional aspects of recovery. This tailored feature demonstrates PRULady's commitment to supporting women through every step of their health journey.
PRUMan offers a distinctive approach to male-specific health protection. With its standout feature of providing 100% sum assured for male-specific cancers, this product goes above and beyond in safeguarding men's health and financial well-being. PRUMan not only protects you but also ensures your family's future, offering peace of mind in the face of health uncertainties.
AIA Absolute Critical Cover stands out with its exceptional breadth of protection, covering an impressive 187 conditions. This comprehensive critical illness insurance not only safeguards you but also extends coverage to your parents, offering peace of mind for the whole family. With such extensive protection, AIA Absolute Critical Cover goes above and beyond to ensure you're prepared for life's unexpected health challenges.
AIA Beyond Critical Care goes beyond traditional critical illness coverage by addressing an often overlooked aspect of health: mental well-being. With mental health coverage up to S$50,000, this plan recognizes the importance of holistic care during challenging times. This unique feature sets AIA Beyond Critical Care apart, offering comprehensive support for both physical and mental health needs when you need it most.
AIA Diabetes Care goes beyond typical coverage, offering a thoughtful approach to diabetes-related complications. One standout feature is the 20% extra payout for diabetes-related limb amputation, demonstrating AIA's understanding of the specific challenges faced by those with diabetes. This specialized plan shows a commitment to providing comprehensive support for diabetes management and its potential long-term effects.
AIA Glow of Life stands out with its exceptional coverage for women's health concerns. One of its most remarkable features is the 100% payout for female cancers, providing crucial financial support during challenging times. This comprehensive plan goes above and beyond to address the unique health needs of women, offering peace of mind and tailored protection.
Explore more: Real customer experiences • Insurance guides • Coverage calculator
Learn about Critical Illness insurance basics or compare Critical Illness policies