NEW! Receive cash benefits that help ease the financial burden of cancer—payable in 20 years.

  A doctor diagnosing a patient
Explore Pulse

PRUPersonal Accident

A yearly renewable packaged protection plan designed to cover injury or death due to accident. Different packages are available to suit various ages and occupations.

Product Highlights

 

 

 

 

 

 

Basic Personal Accident Package

  • PhP 100,000 Accidental Death and Disablement (ADD) Benefit *

  • PhP 100,000 Total and Permanent Disability Benefit

  • PhP 50,000 Murder and Assault Benefit

  • 5% of the ADD Renewal Bonus Benefit

  • PhP 5,000 Burial Benefit

 

Full Personal Accident Package

  • PhP 100,000 Accidental Death and Disablement (ADD) Benefit *

  • PhP 100,000 Total and Permanent Disability Benefit

  • PhP 50,000 Murder and Assault Benefit

  • 5% of the ADD Renewal Bonus Benefit

  • PhP 5,000 Burial Benefit

  • PhP 10,000 Medical Reimbursement Benefit

  • PhP 500 Hospital Income Benefit

 

*Note: Refer to the PRUPersonal Accident Terms and Conditions for the complete details of each package

Eligibility Requirements for the Life Insured

Filipino citizen, must be 18-65 years old, residing in the Philippines (at the time of application)

 

 Policy Owner must be the same with Life Insured*

*If purchased through Pulse

 

Must own a credit or debit card (Visa/Mastercard/JCB) under his/her name or e-wallet like GCash or Grab Pay

 

  • Must be in good health, have no physical or medical impairment

  • Have not consulted, been treated, examined for more than 2 weeks by a doctor for any disease or injury, nor have not undergone any medical diagnostic test and procedures other than for routine pre employment purposes in the last 5 years

  • Must not been confined in a hospital for any length of time or had any surgical procedure

 

 

PRUPersonal Accident is available thru various product distribution channels of Pru Life UK. Should you need a higher coverage or other supplementary benefits not in the online packages, our insurance agent can provide assistance and guide you in your journey.

PRUPersonal Accident Terms and conditions

prushoppe icon for desktop and mobile

Ready to purchase your protection?

Log on to your Pulse app and click the PRUShoppe tile. Just a few clicks and you are insured.
Download the app now

PRUPersonal Accident Product

FAQs

What is PRUPersonal Accident?

PRUPersonal Accident (PA) is a yearly renewable packaged protection plan designed to cover injury or death due to accident. Different packages are available to suit various ages and occupations.

What are the requirements for PRUPersonal Accident insurance in Pulse?

At the time of application, the Policyowner and Life insured must be:

  • a Filipino citizen residing in the Philippines;

  • Must be 18-65 years old

  • one and the same, if product is purchased through Pulse

  • a credit or debit card (VISA/Mastercard/JCB) owner to enable purchase via Pulse

  • (a) Must be in good health; (b) must have no physical or medical impairment; (c) during the last five (5) years, must not have consulted, been treated or examined for more than two (2) weeks by a doctor for any disease or injury and must not have undergone any medical diagnostic test and procedures other than for routine pre-employment purposes; and (d) must not have been confined in a hospital for any length of time or had any surgical procedure

 

What are the benefits of PRUPersonal Accident insurance?

Depending on your PRUPersonal Accident package, you or your beneficiaries are entitled to the following benefits at a maximum of:

  • Php 100,000 Accidental Death and Disablement benefit

  • Php 100,000 Total and Permanent Disability benefit

  • Php 50,000 Murder and Assault benefit

  • 5% of ADD Renewal Bonus benefit

  • Php 5,000 Burial benefit

  • Php 10,000 Medical Reimbursement benefit *

  • Php 500 Hospital Income benefit *

 

* For full package only

For the details on PRUPersonal Accident packages, you may refer to the PRUPersonal Accident Terms and Conditions here.

If I am an employee or insurance agent of Pru Life UK, am I eligible or disqualified for this product? How about my family members?

The product is open to all Filipinos, including employees and agents of Pru Life UK, and their families, subject to eligibility requirements under the terms and conditions.

How can I get PRUPersonal Accident insurance product through Pulse?

Existing Pulse user:

  • An in-app notification will be sent to you to know more about the PRUPersonal Accident insurance product. You may also access this through PRUShoppe anytime.

  • The product information including its benefits will be available through PRUShoppe so you can explore which package suits your needs.

  • Select your preferred product based on the packages available.

  • Fill-out the required information such as mobile number, occupation, and provide a scanned valid ID, and pay thru credit or debit card.

 

Non-PULSE user:

  • You may download the Pulse app for free from the Google Play Store and the Apple App Store.

  • Sign up for an account using email, Facebook, or Gmail accounts.

  • Select your preferred product based on the packages available.

  • Fill-out the required information such as mobile number, occupation, and provide a scanned valid ID, and pay thru credit or debit card.

 

What government IDs are valid to be uploaded during the registration?

A valid ID is a mandatory requirement during the application for PRUPersonal Accident. The following valid IDs are accepted:

Passport

Philhealth Card

Department of Social Welfare and Development (DSWD) photo-bearing ID/Certification

Driver’s License

Taxpayer’s Identification Number (TIN)

Firearms License

Professional Regulations Commission (PRC) ID

Senior Citizen/s Card

ID issued by the Bureau of Internal Revenue

Police Clearance

Overseas Workers Welfare Administration (OWWA) ID

Photo-bearing Credit Card

Postal ID

OFW ID

Seaman’s Book

Voter’s ID

GSIS e-Card

SSS Card

Photo-Bearing Barangay ID/Certification

Alien Certificate of Registration/Immigrant Certificate of Registration

Birth Certificate issued by the Philippine Statistics Authority

Photo-Bearing Health card issued by Health Maintenance Organizations

Government Office ID (e.g. AFP) and IDs issued by government instrumentalities

Certificate of Registration for NDFBP

School ID signed by the school principal or head of the educational institution

Photo-Bearing ID/Certification from the National Council for the Welfare of Disabled Persons (NCWDP)

 

Can I be the policyowner and have a different life insured for my PRUPersonal Accident policy?

Unfortunately, no. For the PRUPersonal Accident package in Pulse, the Policyowner and Life Insured must be the same person. In case you want to name a different Life Insured, you may avail PRUPersonal Accident through an agent, subject to full underwriting.

Can I cancel my policy?

You will be given a period of fifteen (15) days from your Policy Receipt Date to review your Policy. This is called the Free Look Period. The date that the email confirmation of your policy approval is sent shall be considered as your Policy Receipt Date and your 15-day Free Look Period will begin on this date. Should you decide that the policy is not suitable to your needs and wish to cancel your Policy, you must notify us through the My Policy section of your Pulse app within the Free Look Period.

How long do I wait before the policy gets approved?

Once you have successfully paid your PRUPersonal Accident policy, you will receive a confirmation email within twenty-four (24) hours. You will also see your Policy Contract in the My Policy section of your Pulse app.

Can I avail more than one PRUPersonal Accident policy?

You may only avail one PRUPersonal Accident policy through Pulse per policy year. Should you wish to have another PRUPersonal Accident policy or a PRUPersonal Accident policy with higher coverage, you may contact your agent or contact.us@prulifeuk.com.ph, subject to full underwriting.

How long is the coverage period of this policy?

The coverage period of your PRUPersonal Accident policy is one (1) year.

If the policy expires after one (1) year, can I have it renewed?

Yes, you may renew your policy by paying the corresponding premium. We will send you a notification and instructions on how to renew the policy fifteen (15) days before the policy expiry date.

I got hospitalized the day after I purchased my PRUPersonal Accident policy. Can I immediately claim the hospital income benefit?

Yes, you may immediately claim the hospital income benefit.

How do I file a claim on the Hospital Income benefit?

The following are the requirements for the Daily Hospital Income benefit claims submissions. You must submit these within ninety (90) days from hospital discharge:

  • Accomplished claimant’s statement

  • Attending physician’s statement; and

  • Duly certified statement of account of hospitalization

  • Admission summary & discharge clinical abstract summary

 

Claim requirements are subject to review and decision.

Can I receive the Accidental Death and Disablement benefit for any type of injury?

No. The Accidental Death and Disablement Benefit is not payable to the Life Insured in certain instances (eg. if the injury is caused by circumstances such as self-inflicted injury, alcoholism, resisting lawful arrest, etc.) For the full list of these circumstances, you may refer to the Exclusions section of your Policy Contract.

Is the Accidental Death and Disablement benefit payable in full for any type of injury or disablement?

The percentage of the Accidental Death and Disablement (ADD) benefit payable to the Life Insured depends on the type of injury. For example, 50% of the ADD benefit is payable to the insured for loss of one hand, while 100% of the ADD benefit is payable to the insured for loss of both hands. You may refer to your Policy Contract for the Schedule of Coverage

I am a beneficiary of a PRUPersonal Accident policy, how do I claim my benefit?

The following are the requirements for death claims submissions. As a beneficiary, you will be advised in due time how you can submit the requirements:

  • Accomplished claimant’s statement

  • Original death certificate or certified true copy

  • Birth or baptismal certificate of the Life Insured and primary beneficiary/ies; and

  • Current Policy Data Page

 

Claim requirements are subject to review and decision.

Will the policy terminate if a claim on Accidental Death and Disablement benefit is paid to the Life Insured?

The policy will terminate if the claim is paid on accidental death. If the claim is paid on accidental disablement, the policy will not terminate.

Will the policy terminate if the Hospital Income benefit is paid to the Life Insured?

Your policy will not terminate even if the Hospital Income benefit is paid.

Can I convert PRUPersonal Accident to another insurance plan?

PRUPersonal Accident is not convertible to any PRU Life UK plans

Who can I nominate as a beneficiary?

You, as Policyowner and Life Insured, may name anyone as your beneficiary/ies if that person shall suffer financial loss should anything happen to you.

What will happen to the Policy Benefit if the Insured dies due to accident but missed to nominate a beneficiary?

In case you are unable to name a beneficiary or you do not wish to name one, the death benefit will be paid to the persons then surviving in the following order of preference:

  • Legal spouse and children

  • Parents

  • Brothers and sisters

  • Insured’s estate

 

My beneficiary is still a minor and has no valid ID yet, how can I proceed with the registration?

In the absence of a school ID or passport for minors, you may use a birth certificate. It is recognized as a valid secondary ID.

I wasn’t able to elect my beneficiary for PRUPersonal Accident, how can I nominate one?

If you chose not to register a beneficiary immediately or missed to nominate a beneficiary after your PRUPersonal Accident policy has been issued, your policy application will still be valid. The Add Beneficiary feature is available, and may be accessed as follows:

  1. Log in to your Pulse account and click on My Policies.

  2. On your PRUPersonal Accident policy, click on the Update Beneficiary link.

  3. Fill-out the required information of beneficiary: ID number, full name, email address, and relation to insured. Remember to avoid hyphens or other special characters. Once done, click submit.

If you wish to change or edit your beneficiary, you are encouraged to do so at any time during the coverage period of your policy.

Where can I get more information about this product?

You may visit www.prulifeuk.com.ph or www.wedopulse.com/ph for the latest information on PRUPersonal Accident. For any questions, you may send an email to PRU Customer Action Team at contact.us@prulifeuk.com.ph.