What is PRUWellness?

PRUWellness is a comprehensive hospitalization product that provides daily cash benefits to help cover the cost of hospitalization due to injury or illness, lump sum benefit to cover cause of hospitalization due to dread disease, surgical expense and the death of the life insured.

What are the requirements for PRUWellness insurance in Pulse?

• a Filipino citizen residing in the Philippines;

• 18-64 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 PRUWellness insurance?

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

• Php 800 daily hospital income benefit

• Php 1,000 daily long-term hospitalization benefit

• Php 20,000 lump sum Dread Disease Benefit

• Php 2,000 daily Intensive Care Unit Benefit

• Php 15,000 lump sum Surgical Expense Benefit

• Php 20,000 lump sum Death Benefit for your beneficiary(ies)

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

What illnesses are covered under the Dread Disease benefit?

Where can I get PRUWellness?

How can I get PRUWellness through Pulse?

Existing Pulse user:

• An in-app notification will be sent to you to know more about the PRUWellness 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 mandatory during the application for PRUWellness. The following IDs are accepted:

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

Can I cancel my policy?

How long do I wait before the policy gets approved?

Can I avail more than one PRUWellness policy?

How long is the coverage period of this policy?

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

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

If the cause of confinement is due to an injury, you can immediately claim the Daily Hospital Income benefit.

If the cause of confinement is due to an illness, there is a waiting period for Daily Hospital Income benefit which is thirty (30) days from the effectivity date of this rider or the date of the last reinstatement of this policy. Claim requirements are subject to review and decision.

Can I receive a claim on Daily Hospital Income if I am hospitalized due to a pre-existing condition?

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

The following are the requirements for Daily Hospital Income, Long Term Hospitalization, Intensive Care Unit, and Surgical Expense 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

The following are the requirements particular to each Hospital Income benefit:

• For Daily Hospital Income benefit - admission summary & discharge clinical abstract summary

• For Surgical Expense benefit – duly certified operating report, official receipt of surgeon’s fee, and official receipt of anesthesiologist’s fee

• For Intensive Care Unit benefit – duly certified ICU record

• For Long Term Hospitalization benefit – admission and discharge summary
  
  

How do I file a claim on Dread Disease Benefit?

The following are the requirements for Dread Disease Benefit claims submissions. You must submit these within ninety (90) days from hospital discharge:

• Accomplished claimant’s statement

• Attending physician’s statement

• Complete medical records, laboratory and diagnostic procedures and hispathologic or biopsy results
  
  

How many times can I receive a Dread Disease Benefit?

Who can I nominate as a beneficiary?

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

I am a beneficiary of a PRUWellness 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

You may be required to submit additional documents or evidence to help Pru Life UK assess the claim.

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

Can I convert PRUWellness to another insurance plan?

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

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

If you chose not to register a beneficiary immediately or missed to nominate a beneficiary after your PRUWellness 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 PRUWellness 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?