Introducing PRUMan: Tailored Protection for Men's Health
In today's fast-paced world, men often prioritize their careers and families over their own health. However, critical illness can strike unexpectedly, potentially derailing your plans and dreams. That's where PRUMan comes in – a unique health plan designed specifically for men. This comprehensive insurance product offers tailored coverage for male-specific illnesses and medical procedures, ensuring you're protected through every stage of life. With PRUMan, you can pursue your ambitions with confidence, knowing that your health and financial well-being are safeguarded.
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Coverage and Benefits
PRUMan offers a wide range of coverage options and benefits tailored to meet the unique health needs of men. From critical illnesses to specific medical procedures, this plan provides comprehensive protection to ensure your peace of mind. Let's explore the key aspects of PRUMan's coverage:
Extensive Illness Coverage
PRUMan covers a variety of male-specific illnesses, including malignant cancers of the prostate, testicle, and scrotum. It also includes coverage for muscular dystrophy and cardiomyopathy, providing 100% of the sum assured for these conditions.
Early-Stage Protection
The plan offers 50% of the sum assured for carcinoma in situ of the colon, testicle, and penis. This early-stage coverage ensures you're protected even before a condition becomes severe.
Medical Procedures
PRUMan covers various medical procedures, including heart valve surgery, coronary artery bypass surgery, and angioplasty. The payout ranges from 25% to 100% of the sum assured, depending on the procedure.
Flexible Sum Assured
Choose from four plan options (A, B, C, D) with sum assured amounts ranging from S$25,000 to S$100,000. This flexibility allows you to select the coverage that best fits your needs and budget.
Additional Benefits
PRUMan goes beyond basic critical illness coverage to offer a range of additional benefits that enhance your protection and support your overall well-being. These features are designed to provide comprehensive care and financial assistance when you need it most:
Reconstructive Surgery Coverage
PRUMan provides 100% of the sum assured for facial reconstructive surgery due to an accident, skin grafting due to major burns or skin cancer, and open surgery for kidney stone removal.
Premium Waiver
If you make a Male Illnesses claim of at least 50% of the sum assured, your premiums will be waived for 36 months. This feature helps ease your financial burden during recovery.
Biennial Health Screening
PRUMan offers preventive health screening once every 2 years, starting from the 3rd policy year. Choose from two comprehensive packages, each including 21-22 tests and a complete history taking.
Loyalty Benefit
Enjoy a 15% discount on the first-year premium of selected Prudential policies bought for significant life events. This benefit rewards your loyalty and helps you save on additional coverage.
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Policy Term and Renewability
Understanding the policy term and renewability options is crucial when choosing an insurance plan. PRUMan offers flexibility to ensure you can maintain coverage throughout different stages of your life. Here's what you need to know about the policy terms and renewability:
Entry Age
While the exact minimum and maximum entry ages are not specified in the provided information, the example given mentions Marcus starting the plan at age 30. This suggests PRUMan is suitable for adult men in their working years.
Coverage Duration
PRUMan offers coverage up to age 75, as mentioned in the example of Marcus. This long-term coverage ensures protection throughout your prime working years and into retirement.
Premium Structure
Premiums are not guaranteed and may be adjusted based on future claims experience. However, the example shows Marcus paying just S$1 per day (S$335.50 per year) for Plan A with a S$25,000 sum assured.
Claims and Customer Service
Prudential Singapore is committed to providing excellent customer service and a smooth claims process for PRUMan policyholders. To file a claim or seek assistance, you can reach out to your Prudential Financial Consultant or call their customer service hotline at 1800 333 0 333. Prudential's website (www.prudential.com.sg/pruman) offers detailed information about the policy and claim procedures. For specific questions or concerns, you can visit their office at 7 Straits View, #06-01 Marina One East Tower, Singapore 018936. Prudential's dedicated team is ready to guide you through the claims process and address any queries you may have about your PRUMan policy.
Is PRUMan Right for You?
PRUMan is an excellent choice for men who prioritize their health and want comprehensive coverage tailored to their unique needs. This plan is particularly suitable for: 1. Career-focused individuals who want to protect their earning potential against critical illnesses. 2. Family men who wish to ensure their loved ones are financially secure in case of health setbacks. 3. Health-conscious men who value preventive care and regular health screenings. By offering male-specific coverage, flexible sum assured options, and additional benefits like premium waivers and health screenings, PRUMan provides a robust safety net for men at various stages of life. Ready to take the next step in protecting your health and financial future? [Sign up now to get matched with 5 different insurance advisors](https://www.whatins.com/lp/get-proposals?source=blog_cta) through Whatins. You'll receive personalized proposals tailored to your needs, giving you a comprehensive view of your options. Plus, by meeting with advisors, you'll earn entries into our 'Premiums On Us' quarterly draw, where you could win your insurance premiums paid by Whatins. Don't miss this opportunity to secure your future and potentially save on premiums – take action today!
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