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Term insurance


PRUShield is a term life insurance product combined with hospitalization benefits to help you keep a steady income while you recover.

Product features

Payment term

Pay for your plan for one year with the option to renew for the following years up to age 65.

Duration of coverage

The duration of the coverage is for one year with the option to renew for continued coverage until age 65

Age requirement      

The plan is eligible for applicants from 18 to 64 years old.

Minimum annual* payment

Payment starts at PhP 2,020**

*Other payment frequency options available
**For ages 18 to 20

Product details

Core benefits

Daily Hospital Income Benefit - a daily cash benefit for each day of hospital confinement due to accident or illness for up to 365 days of continuous confinement for the same injury/illness

Death Benefit from the Term Insurance - a benefit that pays a lump sum amount in case of death of the insured

Other information

Optional benefits disclaimer

Important Considerations

  1. Pre-existing Conditions - medical conditions, injuries or illnesses that you already have before purchasing the Hospital Income (HI) benefit will not be covered.

  2. Plan Exclusions - this plan and other riders attachable to it has other conditions and exclusions that may affect the payment of the insurance proceeds.

  3. Free-look Period - you have 15 days from the date you receive your Policy Data Page to decide if the HI benefit is for you. If you advise us that you wish to discontinue your coverage within this period, we will refund the HI benefit premium you paid in full.

Definition of terms

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 policyowner or beneficiary will receive upon the occurrence of an event, e.g. death.

Rider - optional benefits that you can attach to your life insurance.