PRU Life Care Advance Plus
Financially protect yourself against 36 critical illnesses
Get 25% Early Stage Critical Illness Benefit
Easily renew your plan
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.
The plan is eligible for applicants from 18 to 65 years old.
Minimum sum assured
Learn more about the product
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
Pre-existing Conditions - medical conditions, injuries or illnesses that you already have before purchasing this plan will not be covered.
Waiting Period - the critical illness benefits of this plan are available after 90 days from policy effectivity date.
Plan Exclusions - this plan has other conditions and exclusions that may affect the payment of the insurance proceeds.
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.