As a man, you're ambitious, driven, and always striving to be your best. You take pride in protecting and providing for your loved ones. But have you ever stopped to consider who's protecting you ? Enter PRUMan, a unique health plan designed specifically for men like you. This comprehensive coverage is tailored to support you through every stage of your life, allowing you to pursue your dreams and push yourself to new heights without worrying about your health protection.
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PRUMan is a specialized health insurance plan created by Prudential to address the unique health needs and concerns of men . It offers comprehensive coverage for male-specific illnesses, medical procedures, and even reconstructive surgeries. With PRUMan, you can focus on being the best version of yourself, knowing that you're protected against a wide range of health risks specific to men.
Enjoy a complimentary health screening once every two years, starting from the third policy year. Choose from two comprehensive packages, each including 21-22 tests and a complete history taking.
Protection against male-related illnesses such as prostate, testicular, and scrotal cancers . Coverage for cardiomyopathy and muscular dystrophy, conditions that often affect men.
Includes a wide range of procedures from heart valve surgery to renal angioplasty. Even covers less common procedures like surgical septal myomectomy for hypertrophic obstructive cardiomyopathy.
Covers facial reconstructive surgery due to accidents. Includes skin grafting for major burns or skin cancer.
Provides coverage for physiotherapy in the event of an accident, helping you get back on your feet faster.
If you're diagnosed with a covered male illness, your premiums are waived for 36 months , easing your financial burden during recovery.
Enjoy a 15% discount on the first-year premium of selected Prudential policies bought for significant life events.
| Age | What suggestion covers | Premium |
|---|---|---|
| 27, Female making $8,100 a month | critical illness $500,000 | Not provided |
PRUMan offers four plans (A, B, C, and D) with increasing levels of coverage. Let's break down what each plan covers:
Plan A: S$25,000, Plan B: S$50,000, Plan C: S$75,000, Plan D: S$100,000. Covers conditions like malignant cancers of the prostate, testicle, or scrotum (100% payout), carcinoma in situ of the colon, testicle, or penis (50% payout), and muscular dystrophy and cardiomyopathy (100% payout).
Plan A: S$25,000, Plan B: S$50,000, Plan C: S$75,000, Plan D: S$100,000. Covers procedures like heart valve surgery (100% payout), coronary artery bypass surgery (100% payout), angioplasty and other invasive treatments for coronary artery (25% payout), and testicular torsion requiring surgery (100% payout).
Plan A: S$25,000, Plan B: S$50,000, Plan C: S$75,000, Plan D: S$100,000. Covers facial reconstructive surgery due to an accident (100% payout), skin grafting due to major burns or skin cancer (100% payout), and open surgery for removal of kidney stones (100% payout).
All plans: S$5,000. This additional benefit provides extra financial support when you need it most.
Let's look at how PRUMan could work for you, using the example of Marcus:
Marcus, a 30-year-old non-smoker, starts with PRUMan Plan A (S$25,000 sum assured). He pays just S$1 per day (S$335.50 per year) for coverage up to age 75.
• Male Illnesses benefit of S$25,000 (this benefit terminates)
• Medical Procedures benefit of S$12,500
• His premiums are waived for the next 36 months
• Remaining Medical Procedures benefit of S$12,500 (this benefit terminates)
• Reconstructive Surgery or Skin Grafting benefit of S$25,000 (this benefit terminates)
This example shows how PRUMan can provide comprehensive support through various health challenges a man might face.
PRUMan is designed to be affordable, with premiums starting from as low as S$1 per day . The exact premium will depend on factors like your age, smoking status, and the plan you choose. It's important to note that premiums are not guaranteed and may be adjusted based on future claims experience.
You should check with Prudential about options for changing your plan after purchase.
Like most insurance policies, there are exclusions. For example, pre-existing conditions may not be covered.
Contact Prudential as soon as possible after diagnosis or treatment. They will guide you through the claim process.
PRUMan requires answering 5 health questions. Your eligibility may depend on your answers.
The health screening benefit starts from the third policy year and is available every two years after that.
PRUMan offers a unique and comprehensive health protection solution tailored specifically for men . With its focus on male-specific illnesses, wide-ranging coverage for medical procedures, and additional benefits like reconstructive surgery coverage and premium waivers, it provides a robust safety net for men at every stage of life.
However, as with any insurance decision, it's crucial to carefully consider your personal health needs, financial situation, and long-term goals before making a choice. While PRUMan offers excellent coverage for many male-specific health concerns, it's important to remember that it doesn't replace comprehensive health insurance and should be considered as part of your overall health protection strategy.
Remember, the best insurance plan is one that gives you peace of mind and fits your specific circumstances. If you're considering PRUMan or any other health insurance plan, it's always wise to consult with a financial advisor who can provide personalized recommendations based on your unique situation.
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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 health protection to chance – get the expert advice you deserve today .
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