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PRUShield

Buy online in Pulse: PRUShield is a yearly renewable term insurance product that provides a Daily Hospital Income Benefit to help the Life Assured cover the cost of hospitalization due to injury or illness and a lump sum benefit in case of the death of the Life Assured.

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 64 as long as there were no claims made during the previous coverage period.

The renewal of the Policy is subject to compliance with eligibility requirements and the applicable premium at the time of renewal shall apply.

Plan Benefits

Choose among these packages and take advantage of its benefits:

PACKAGE 1:
  • Php 50,000 Death Benefit
  • Php 500 Daily Hospital Income Benefit*

 

PACKAGE 2:
  • Php 75,000 Death Benefit

  • Php 750 Daily Hospital Income Benefit*

 

PACKAGE 3:
  • Php 100,000 Death Benefit

  • Php 1,000 Daily Hospital Income Benefit*

 

PACKAGE 4:
  • Php 125,000 Death Benefit

  • Php 1,000 Daily Hospital Income Benefit*

 

*For each day of hospital confinement up to a maximum of 365 days of continuous confinement for the same injury or illness

 

Learn more about the product

Eligibility Requirements

The Life Assured must meet the following requirements:

  1. Must be 18-64 years old at the time of application.
  2. Policyowner must also 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 account 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 My Policies 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

a. Distribution - PRUShield 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.

b. Multiple Policies - The Policyowner/Life Assured cannot be covered by multiple Pulse PRUShield policies at the same time. If the Life Assured happens to be covered under multiple Pulse PRUShield policies, only the first policy purchased will be payable in the event of claim. We shall refund the premiums of the other policies.

c. Pre-existing Conditions – Certain conditions apply to benefits for confinement due to pre-existing condition.

d. Waiting Period - Daily Hospital Income Benefit may only be claimed for confinement due to illness which occurred 30 days after issuance.

PRUShield Terms and conditions

PRUShield Frequently Asked Questions