Eligibility requirements for the Policyowners

• Must be at least 18 years old at the time of application.

• Must be a Filipino citizen residing in the Philippines at the time of application.

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

Eligibility requirements for the Life Assured

• Must either be the Policyowner or the child of the Policyowner.

• If the Life Assured is the Policyowner, he or she must be between 18 to 59 years old; if Life Assured is the child of the Policyowner, the Life Assured must be between 1 to 17 years old.

• Must be a Filipino citizen residing in the Philippines at the time of application.

• Must be in good health, must not have signs and symptoms related to Dengue, Typhoid, Malaria, or Measles and must not have been diagnosed with Dengue, Typhoid, Malaria, or Measles at the time of application.

1. Free-look Period

• We will give you fifteen (15) days from your Policy Receipt Date to review your Policy. This is called the Free Look Period. The Policy Receipt Date is the date we send an email confirmation to your email address on record once your application is approved. The email confirmation will include a link to the documents that constitute your policy contract.

• If you decide that the Policy is not suitable to your needs and wish to cancel it, you must immediately notify us through the My Policies section in Pulse within the Free Look Period. Pru Life UK will refund the premium you paid in full upon completion of the processing of your cancellation request.

   

2. Plan Exclusions 

Diagnosis Benefit

• The lump sum benefit will not be paid if the Life Assured is diagnosed with any of the Covered Infectious Disease (Dengue, Typhoid, Measles, or Malaria), or if the signs and symptoms or first consultation with a Physician related to Dengue, Typhoid, Measles, or Malaria occurred prior to the Coverage Start Date or within the Waiting Period.

Death Benefit

The lump sum benefit will not be paid to the beneficiary/ies of the Life Assured if:

1. The cause of death of the Life Assured was Dengue, Typhoid, Measles, or Malaria, but the signs and symptoms, diagnosis, or first consultation with a Physician related to Dengue, Typhoid, Measles, or Malaria occurred prior to the Coverage Start Date or within the Waiting Period; or 
2. If the Life Assured dies beyond fourteen (14) days from the date of diagnosis of Dengue, Typhoid, Measles or Malaria.

4. Waiting period

• The period of fourteen (14) days after the Coverage Start Date which must pass before Dengue, Typhoid, Measles, or Malaria become covered under the Policy. During the Waiting Period, the Life Assured must not have had signs and symptoms of, been diagnosed with or had his/her first consultation with a Physician in relation to Dengue, Typhoid, Measles, or Malaria.

5. Rescission and Refund 

We will rescind the Policy if we discover that:

• The Policyowner or the Life Assured does not meet any of the eligibility conditions;

• If the Life Assured is already insured with an existing coverage for any Covered Infectious Disease, as shown in the Policy Benefits Page, offered by Pru Life UK; or

• Subject to the incontestability clause in the policy contract, the Policyowner/Life Assured committed fraud, concealment, or material misrepresentation in relation to the Policy.

In the event of rescission, we shall refund the premiums paid in full.

View and download the Terms & Conditions for complete details about this product.

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