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

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Health Insurance

PRUHealth Prime

PRUHealth Prime is an investment-linked life and health insurance plan designed to help ease the financial burden of having cancer.

Product features

Payment term

Pay for your plan in 20 years.

Duration of coverage

The duration of the coverage is up to age 85.

Age requirement      

The plan is eligible for applicants from 0 (30 days) to 60 years old.

Minimum sum assured

PhP 500,000

Learn more about the product

Core benefits
  • Death benefit - sum assured plus fund value (minus any Early Stage Cancer payout). The policy terminates once this is claimed.

  • Early Stage Cancer - in the event the insured is diagnosed with early stage cancer, the insured will receive a cash benefit equal to 50% of the sum assured*. The coverage continues even if this benefit is claimed.

       *Subject to a cap of PhP 1.5 million for 0 (30 days) to 17 years old and PhP 3.75 million for 18 to 60 years old.

  • Late Stage Cancer - in the event the insured is diagnosed with late stage cancer, the insured will receive a cash benefit equal to 100% of the sum assured less any early stage cancer benefit payout plus Fund Value. The policy terminates once this is claimed.

  • Hospital Income Benefit - provides daily benefit of 0.125% of sum assured, subject to a maximum of PhP 10,000 per day if hospitalized due to Early Stage or Late Stage Cancer.

  • Post-hospitalization Benefit - Gives a lump sum amount of PhP 5,000 for a specialist visit due to Late Stage Cancer following hospitalization discharge for said illness.

  • Maturity Benefit - in case the insured reaches age 85, 100% of the sum assured less any early stage cancer payout plus fund value of the plan’s investment component will be given.

Optional benefits
Protection against accident, death, and disability:
  • Accidental Death and Disablement - an additional cash benefit in case the insured meets an accident that results in bodily injury, death or disability

  • Non-accelerated Total and Permanent Disability - an additional cash benefit if the insured becomes totally and permanently disabled due to bodily injury or disease

  • Payor Term - additional cash benefit given if the payor stated in the policy dies

  • Payor Waiver of Regular Premium Benefit - waives all future premiums falling due if the payor dies or becomes totally and permanently disabled

  • Waiver of Premium on Total and Permanent Disability - exemption from paying the succeeding premiums if the insured becomes totally and permanently disabled

Fund selection

Peso funds

PRULink Bond Fund

PRULink Managed Fund

PRULink Growth Fund

PRULink Proactive Fund

PRULink Equity Fund

PRULink Global Navigator Fund

PRULink Equity Index Tracker Fund

PRULink Money Market Fund (for fund switching only)

Learn more about the PRULink funds that you can select for this product

Other information

Optional benefits disclaimer

Important Considerations

  1. Pre-existing Conditions - medical conditions, injuries or illnesses that you already have before purchasing this plan will not be covered.

  2. Waiting Period - the critical illness benefits of this plan are available after 90 days from policy effectivity date.

  3. Plan Exclusions - this plan has other conditions and exclusions that may affect the payment of the insurance proceeds.

  4. Free-look Period - you have 15 days from the date you receive your policy booklet to decide if this plan is for you. If you advise us that you wish to discontinue your coverage within this period, we will refund the fund value and any applied charges. The amount that will be returned may not be equal to the premium you paid.

Definition of terms
  • Premium - a specified amount of money that you pay in exchange for the coverage provided by your insurance plan

  • Sum assured - the guaranteed amount stated on the policy contract that the policyowner or beneficiary will receive upon  the occurrence of an event, e.g. death.