PROTECT
We understand you want enhanced protection as you progress in your career
PRUtermplus
advantage
As a thoughtful provider, you want the needs of your loved ones to be well taken care of should anything unfortunate happen to you. You would be looking for a comprehensive yet affordable protection plan to supplement the current plans provided by your employer.
PRUtermplus advantage is offered to you exclusively at your place of employment. Through affordable premiums, you are assured of continual coverage for a period of 10 years as you progress in your career.
Depending on the type of cover you choose, PRUtermplus advantage gives you the desired peace of mind through a hassle-free application.
The assurance of a lump sum payout
In the event of Death, Terminal Illness1 or Disability1, a lump sum payment of the sum assured will be provided to your loved ones.
Accidental Death Benefit
Upon Accidental Death2, rest assured that your loved ones will receive a payout of the sum assured to help them cope with the sudden loss.
Accidental Hospital Care Benefits
Get the care and treatment you need in the event of an accident.
Our Accidental Daily Hospital Income2,3 covers up to $150 per day for hospitalisation4. If you are unable to return to work after hospitalisation4, the Post-hospitalisation Recuperation
Benefit2,5 pays up to $300 for each week6 that you are certified to be unable to engage in your own occupation, business or activity.
Loyalty Benefit7
As long as your PRUtermplus advantage policy remains active, you can look forward to a 10% discount on the first year premium when you purchase selected regular premium
Prudential policies8 for yourself, your spouse or your child, upon major events9.
Enjoy No Claim Bonus
If you have not made a claim10 in the first 5 years of the basic policy, the sum assured of the following benefits will be doubled from the 6th to 10th year of the policy:
• Death
• Accidental Death2
• Accelerated Terminal Illness1
• Accelerated Disability1
Enhance your plan to suit your needs
PRUtermplus advantage also offers you the option to get protection against 36 critical illnesses by adding on Crisis
Cover Advantage. Upon a successful claim11, you will receive a lump sum payout and your future PRUtemplus advantage premiums will be waived.
See table below for the right plan to suit your needs:
Plan 1
Plan 2
Plan 3
Death
$50,000
$100,000
$150,000
Accidental Death2
$50,000
$100,000
$150,000
Accelerated Terminal
Illness1
$50,000
$100,000
$150,000
Accelerated Disability1
$50,000
$100,000
$150,000
Accidental Daily
Hospital Income2,3
$50/day
$100/day
$150/day
Post-Hospitalisation
Recuperation Benefit2,5 due to an accident
$100/week
$200/week
$300/week
Crisis Cover
Advantage(Optional)
$25,000
$50,000
$75,000
Call your Prudential Financial Consultant or our
PruCustomer Line at 1800 333 0333 today, or visit
www.prudential.com.sg
Footnotes:
1. PRUtermplus advantage provides coverage against Accelerated Terminal
Illness and Accelerated Disability during the term of the policy and before the anniversary of the policy on which the life assured will attain the age of 65. We will pay for either the Accelerated Terminal Illness or the
Accelerated Disability Benefit but not both.
2. If the accidental death or injury is caused by a hazardous activity or sports conducted legally and under the supervision of a licensed organisation, the benefit payable will be reduced accordingly.
3. Accidental Daily Hospital Income benefit covers up to a maximum of 14 days per accident.
4. The hospitalisation must be due to an accident.
5. Post-Hospitalisation Recuperation benefit covers up to a maximum of
8 weeks per accident. This benefit will cease on the Policy Anniversary immediately before the life assured turns 65 years old.
6. If the disability does not extend for the full 7 days, we pay a pro-rated amount of the benefit.
7. The 10% discount is applicable before the expiry date of the policy and for a maximum of 2 new policies per event, up to a maximum of $10,000 annual premiums, including additional premiums for supplementary benefits. The new policies must be taken up within 3 months of the event.
8. The list of eligible products is available on www.prudential.com.sg.
9. The major events include marriage, childbirth, adopting a child through legal means, divorce and death of a spouse.
10. A claim under Crisis Cover Advantage will not affect the No Claim Bonus.
11. claim under Angioplasty and Other Invasive Treatment for Coronary
A
Artery will not activate the Premium Waiver benefit.
Note:
Buying a life insurance policy is a long-term commitment. This plan has no cash value.
Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. Premiums are not guaranteed and may be adjusted based on future claims experience. You are recommended to seek advice from a qualified Prudential Financial Consultant for a financial analysis before purchasing a policy suitable to meet your needs.
This brochure is for reference only and is not a contract of insurance. Please refer to the exact terms and conditions, specific details and exclusions applicable to the insurance product in the policy documents that can be obtained from your Prudential Financial Consultant.
In case of discrepancy between the English and Mandarin versions of this brochure, the English version shall prevail.
Information is correct as at 2 January 2015.
PROTECT
Prudential Assurance Company Singapore (Pte) Limited.
(Reg. No. 199002477Z)
30 Cecil Street #30-01 Prudential Tower
Singapore 049712
Tel: 1800 333 0333 Fax: 6734 6953
Part of Prudential plc 