Early-Stage Cancer Benefit – Receive 50% of the Sum Assured in advance, upon diagnosis of covered early-stage cancer. Once claimed, the policy continues provided premiums are continuously paid. Late-Stage Cancer Benefit – Receive 100% of the Sum Assured upon diagnosis of a covered late-stage cancer, less any Early-stage Cancer Benefit previously paid. Once claimed, the policy will terminate. Catastrophic Cancer Benefit – Receive an additional 20% of the Sum Assured, if the diagnosed late-stage cancer is classified as catastrophic (i.e. the cancer is a Stage IV malignant tumor with presence of distant metastasis). Once claimed, the policy will terminate. Death Benefit – Receive 30% of the Sum Assured in case of death due to any cause not limited to cancer No-Claim Reward (Return of Premium) – Receive 50% of total annual premiums paid after 10 years, if no claim is made Guaranteed Automatic Renewal – Coverage may be renewed after the 10-year coverage term without new underwriting or new application.

Important Considerations

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.

PRUCare Cancer Protect

Q: Definition of terms

Early-Stage Cancer Carcinoma in situ Early Prostate Cancer Early Throid Cancer Early Bladder Cancer Early Melanoma Early Chronic Lymphocytic Leukemia Late-Stage Cancer - A malignant tumour positively diagnosed with histological confirmation and characterized by the uncontrolled growth of malignant cells with invasion and destruction of normal tissue. The term malignant tumour includes leukemia, lymphoma and sarcoma. Catastrophic Cancer - All American Joint Committee on Cancer (AJCC) Stage IV malignant tumour with the presence of distant metastasis and WHO grade III / IV glioma brain tumours. A spread to lymph nodes only will not qualify as distant metastasis. The diagnosis of malignancy must be confirmed by histological evidence. 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 policy owner or beneficiary will receive upon the occurrence of a covered event, e.g. death

A 10-year renewable term insurance that lets you start your cancer protection today – simple to apply, meaningful in coverage and rewarding if you stay healthy.

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Benefits you can count on

Comprehensive cancer coverage

Get the full coverage amount if diagnosed with late-stage cancer. Get additional 20% for catastrophic cancer (ex. metastatic cancer). Receive 50% of the coverage amount in advance upon early-stage cancer diagnosis.
Get 50% of Annual Premiums Back (No-Claim Reward) 

Receive 50% of the total annual premiums every 10 years, if no claims are made.
Life insurance coverage

Because protection goes beyond you: 30% death benefit based on your coverage amount to help support your family if you pass away due to any cause.
Easy to start

Straightforward, cancer-focused underwriting —apply in minutes with only 4 health questions.
Underwritten once, renewed seamlessly

10-year coverage with a straightforward renewal option —no need to re-apply and no new underwriting, to ensure continued protection.

The Catastrophic Cancer Benefit is payable only if the late-stage cancer meets the criteria of a Catastrophic Cancer at the time of diagnosis and will be paid simultaneously with the Late-Stage Cancer Benefit. This benefit is not payable if the catastrophic cancer is a progression of a previously claimed cancer. If an Early-Stage Cancer Benefit has been paid, the Late-Stage Cancer Benefit will be reduced accordingly. Once the Late-Stage Cancer Benefit is paid, the policy terminates and no Death Benefit will be payable. Except for the Early-Stage Cancer Benefit, All benefits are payable once. Please refer to the policy contract for the full definitions of Early Stage, Late Stage and Catastrophic Cancers.

Learn more about the product

Early-Stage Cancer Benefit – Receive 50% of the Sum Assured in advance, upon diagnosis of covered early-stage cancer. Once claimed, the policy continues provided premiums are continuously paid.

Late-Stage Cancer Benefit – Receive 100% of the Sum Assured upon diagnosis of a covered late-stage cancer, less any Early-stage Cancer Benefit previously paid. Once claimed, the policy will terminate.

Catastrophic Cancer Benefit – Receive an additional 20% of the Sum Assured, if the diagnosed late-stage cancer is classified as catastrophic (i.e. the cancer is a Stage IV malignant tumor with presence of distant metastasis). Once claimed, the policy will terminate.
Death Benefit – Receive 30% of the Sum Assured in case of death due to any cause not limited to cancer
No-Claim Reward (Return of Premium) – Receive 50% of total annual premiums paid after 10 years, if no claim is made
Guaranteed Automatic Renewal – Coverage may be renewed after the 10-year coverage term without new underwriting or new application.

Product Features

Payment terms

10 years to pay

Duration of coverage

10 years term, automatically renewable up to maximum expiry age of 80

Age requirement

30 days old to 60 years old

Minimum sum assured

PHP500,000

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.

Early-Stage Cancer

Carcinoma in situ
Early Prostate Cancer
Early Throid Cancer
Early Bladder Cancer
Early Melanoma
Early Chronic Lymphocytic Leukemia

Late-Stage Cancer - A malignant tumour positively diagnosed with histological confirmation and characterized by the uncontrolled growth of malignant cells with invasion and destruction of normal tissue. The term malignant tumour includes leukemia, lymphoma and sarcoma.

Catastrophic Cancer - All American Joint Committee on Cancer (AJCC) Stage IV malignant tumour with the presence of distant metastasis and WHO grade III / IV glioma brain tumours. A spread to lymph nodes only will not qualify as distant metastasis. The diagnosis of malignancy must be confirmed by histological evidence.

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 policy owner or beneficiary will receive upon the occurrence of a covered event, e.g. death