Product highlight

PRU personal accident - product highlight 2

Product Details

Payment term
  • 10-pay
  • 15-pay
Coverage period

Up to age 100

Issue age

0-70

Limits

Minimum Premium:
PHP18,000
USD N/A

Maturity benefit

Sum Assured + Fund Value

Death benefit

In the event of death of the life insured, the sum of the following is payable:
a. sum assured
b. value of units in the policy
c. 125% of all top-ups less 125% of all withdrawals on the top-up units.

A child’s lien, in accordance with the following schedule, is applicable to the [a] and [c] portions of the death benefit.

 

Age of Death% of Sum Assured
0 10%
1 20%
2 40%
3 60%
4 80%
Core benefits

Accelerated Total and Permanent Disability(TPD) and Accidental Death and Disablement (ADD) (at minimum Sum Assured) as core benefit.

  • Accelerated TPD - accelerates a portion of the sum assured if the life insured becomes totaly and permanently disabled.
  • ADD - pays the benefit amount if the life insured dies or becomes disabled due to accident.
Optional benefits

Optional riders include:

Protection against accident, death, and disability

Personal Accident - a comprehensive accident rider that gives cash benefit  in the event the insured suffers injuries, disability, or death due to accidents
Additional Term – additional cash benefit given if the insured dies within the term coverage period
Payor Term - additional cash benefit given if the payor stated in the policy dies
Waiver of Premium on Total and Permanent Disability – exemption from paying the succeeding premiums if the insured becomes totally and permanently disabled due to bodily injury or disease
Payor Waiver – exemption for those insured ages 25 and below from paying the premium on the policy if the payor stated in the policy dies or becomes totally and permanently disabled

Protection against critical illness

Crisis Cover Benefit (CCB) – a cash benefit deducted from the base plan and paid in advance if the insured has been diagnosed with or has undergone surgery due to any of the 15 critical illnesses pre-identified by Pru Life UK
Life Care Benefit (LCB) - a cash benefit deducted from the base plan and paid in advance in case the insured is diagnosed with or has undergone surgery due to any of the 36 critical illnesses covered by Pru Life UK
Life Care Plus (LCP) - a cash benefit paid to the insured who has been diagnosed with or has undergone surgery due to any of the 36 critical illnesses covered by Pru Life UK
Mulitple Life Care Plus (MLCP) - a cash benefit given if the insured is diagnosed with or has undergone surgery due to any of the 36 critical illnesses covered by Pru Life UK; This can be availed up to three times, provided the illnesses fall under separate categories defined by this rider.
Life Care Advance Plus (LCAP) -  a cash benefit of 25% of the rider benefit amount paid in advance if the insured is diagnosed with any of the 10 identified early stage critical illnesses. This can be availed of up to four times if it is for different early stage conditions
Life Care Waiver (LCW) - exemption from paying the succeeding premiums for those insured who have been diagnosed with a critical illness or has undergone surgery due to critical illness

Protection against hospital expenses

•  Hospital Income - a cash benefit for each day of hospital confinement due to injury or illness. This may be upgraded by adding other riders such as: Intensive Care Unit Benefit, Long-Term Hospitalization Benefit, and Surgical Expense Reimbursement

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