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 - indemnifies the insured for injury or death due to accident
• Additional Term – pays the benefit amount if life insured dies
• Payor Term - pays the benefit amount if the Payor dies
• Waiver of Premium on Total and Permanent Disability – waives all future premiums until the expiry date of premium payment term if the life insured becomes totally and permanently disabled due to bodily injury or disease
• Payor Waiver – waives all future premiums until the expiry date of premium payment term if the Payor becomes totally and permanently disabled

Protection against critical illness

• Crisis Cover Benefit (CCB) – advances the benefit amount from the basic sum assured if the life insured has been diagnosed to be suffering from any of the 15 pre-identified critical illnesses or has undergone surgery due to critical illness
• Life Care Benefit (LCB) - advances the benefit amount from the basic sum assured if the life insured has been diagnosed to be suffering from any of the 36 critical illnesses or has undergone surgery due to critical illness
• Life Care Plus (LCP) - pays the benefit amount if the life insured has been diagnosed to be suffering from any of the 36 critical illnesses or has undergone surgery due to critical illness, while keeping the basic sum assured intact
• Mulitple Life Care Plus (MLCP) - a benefit that pays multiple critical illness claim paid on top of the basic insurance cover
• Life Care Advance Plus (LCAP) -  a benefit that pays an additional amount on top of the basic insurance cover upon early detection of any of the 10 listed critical illness
• Life Care Waiver (LCW) - waives all future premiums until the expiry date of premium paying term if life insured is diagnosed to be suffering from any of the critical illnesses or has undergone surgery due to critical illness covered under CCB, LCB, or LCP

Protection against hospital expenses

•  Hospital Income Benefits - provides daily and lump sum cash benefits to the life insured to cover the cost of hospitalization due to injury or illness

Product Enquiry

For more information and special offers.

* Required Fields
First Name *
Last Name *
Location *
Preferred Contact Method (Please provide a phone number and/or email address.) *
Preferred Contact Time (Select one) *

 

More information

PRUlink funds

PRUlink funds

We take pride in offering you superior protection with a selection of funds managed by Eastspring Investments (Singapore) Limited.

More
PRUhotline

Contact Us

Get in touch with the Men and Women from the PRU.

More
Back to Top