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

 A doctor diagnosing a patient
Health Insurance

PRU Life Care Advance Plus

PRU Life Care Advance Plus is a health insurance product that helps ease your financial burdens with advance cash benefits in the event of an early stage critical illness.

Product features

Payment term

Pay for your plan for one year, with the option to renew up to age 70.

Duration of coverage

The duration of the coverage is one year, with the option to renew up to age 70.

Age requirement      

The plan is eligible for applicants from 18 to 65 years old.

Minimum sum assured

PhP 250,000

Learn more about the product

Core benefits
  • Early Stage Critical Illness Benefit - if the insured is diagnosed with one of the ten identified early critical illnesses 25% of the coverage amount will be given. This benefit can be availed up to a maximum of four times provided that the diagnosed conditions are different.

  • Advance Critical Illness Benefit - if the insured is diagnosed with one of the (36) critical illnesses in the advanced stage, the remaining coverage amount after deducting all previously paid Early Stage Critical Illness Benefit will be given.

  • Special Benefit - these benefits are also payable, provided the coverage amount has not yet been fully claimed or this plan has not been terminated:

    • 10% of the coverage will be paid if the insured undergoes angioplasty;

    • 20% of the coverage will be paid if the insured is diagnosed with diabetic complications; and

    • 20% of the coverage will be paid if the insured is diagnosed with Advanced Stage Cancer.

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 premium that you paid in full.

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.