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Accident and Disability

PRUPersonal Accident - Standard

Buy online in Pulse: PRUPersonal Accident - Standard is a yearly renewable packaged protection plan designed to cover injury or death due to accident. Different packages are available to suit various ages and occupations.

Product features

Payment term

Pay for your plan for one year with the option to enroll in automatic renewal.

Duration of coverage         

Coverage period is 12 months from Coverage Start Date with the option to renew for continued coverage until age 72.

Plan Benefits   

Choose among these packages and take advantage of its benefits:

PACKAGE 1:
  • Php 50,000 Accidental Death and Disablement/Dismemberment (ADD) Benefit* 

  • Php 50,000 Accidental Total and Permanent Disability Benefit 

  • Php 25,000 Murder Benefit 

  • 5% of ADD Renewal Bonus Benefit 

  • Php 5,000 Burial Benefit 

  • Php 5,000 Accidental Medical Expense Reimbursement Benefit (FULL PACKAGE) 

  • Php 250 Hospital Income Benefit (FULL PACKAGE)

 

PACKAGE 2:
  • Php 100,000 Accidental Death and Disablement/Dismemberment (ADD) Benefit* 

  • Php 100,000 Accidental Total and Permanent Disability Benefit 

  • Php 50,000 Murder Benefit 

  • 5% of ADD Renewal Bonus Benefit 

  • Php 5,000 Burial Benefit 

  • Php 10,000 Accidental Medical Expense Reimbursement Benefit (FULL PACKAGE) 

  • Php 500 Hospital Income Benefit (FULL PACKAGE) 

 

PACKAGE 3:
  • Php 300,000 Accidental Death and Disablement/Dismemberment (ADD) Benefit* 

  • Php 300,000 Accidental Total and Permanent Disability Benefit 

  • Php 150,000 Murder Benefit 

  • 5% of ADD Renewal Bonus Benefit 

  • Php 5,000 Burial Benefit 

  • Php 30,000 Accidental Medical Expense Reimbursement Benefit (FULL PACKAGE) 

  • Php 1,000 Hospital Income Benefit (FULL PACKAGE) 

 

PACKAGE 4:
  • Php 500,000 Accidental Death and Disablement/Dismemberment (ADD) Benefit* 

  • Php 500,000 Accidental Total and Permanent Disability Benefit 

  • Php 250,000 Murder Benefit 

  • 5% of ADD Renewal Bonus Benefit 

  • Php 10,000 Burial Benefit 

  • Php 50,000 Accidental Medical Expense Reimbursement Benefit (FULL PACKAGE) 

  • Php 2,000 Hospital Income Benefit (FULL PACKAGE) 

 

*The specified percentage of the ADD Benefit will be paid according to the Schedule of Coverage indicated in the Policy Contract. The range is from 1% to 100% of ADD Benefit amount. 

Note: Corresponding benefit amounts for Accidental Medical Expense Reimbursement Benefit and Hospital Income Benefit will only be available for PRUPersonal Accident – Standard Full Package. 

 

Learn more about the product

Eligibility Requirements
  1. Must be 18 to 65 years old at the time of application. 
  2. Policyowner must be the Life Assured. 
  3. Must be a Filipino citizen residing in the Philippines at the time of application. 
  4. Must own a credit or debit card (VISA/Mastercard/JCB) or an e-wallet such as GCash or Grab Pay under his/her name. 
  5. Must: 

a. be in good health; 

b. have no physical or medical impairment; 

c. not have, in the last five (5) years, consulted, nor been examined or treated for more than two (2) weeks by a doctor for any disease or injury, and not have undergone any medical diagnostic test or procedure, other than for routine pre-employment purposes; and 

d. not have been confined in a hospital for any length of time or had any surgical procedure. 

Important Considerations
  1. Coverage Exclusions and Limitations - This plan has other conditions and exclusions that may affect the payment of the insurance proceeds. You may refer to the Product Terms and Conditions for the full details. 
  2. Free-look Period - You will be given a period of fifteen (15) days from your Policy Receipt Date to review your Policy. This is called the Free Look Period. If you decide that this Policy is not suitable to your needs and wish to cancel it, you must immediately notify us through PRUServices 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. 
  3. Other Things to Remember - PRUPersonal Accident - Standard is available through various product distribution channels of Pru Life UK. Policy premium, including cost of distribution and services, will be the same whether you purchase on PRUShoppe or through a licensed Pru Life UK insurance agent. Should you need a higher coverage not in the online packages, our insurance agent can provide assistance and guide you in your journey. 

Terms and conditions

Frequently Asked Questions