PRUShield
Get your term and hospitalization benefit in one
Enjoy affordable premiums
Get continued coverage with yearly renewal
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
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Other information
Optional benefits disclaimer
Important Considerations
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Pre-existing Conditions - medical conditions, injuries or illnesses that you already have before purchasing the Hospital Income (HI) benefit will not be covered.
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Plan Exclusions - this plan and other riders attachable to it has other conditions and exclusions that may affect the payment of the insurance proceeds.
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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.