Enjoy a position of vantage, come what may.

Transcription

1 Enjoy a position of vantage, come what may. prucrisis covervantage

2 While you have achieved much in life and you and your family enjoy the benefits of success, there may be times when the unexpected happens. Medical costs are escalating. If critical illness strikes, you need to ensure you have the upper hand for the best medical treatment right from the beginning so you can focus on recuperating, without compromising on the lifestyle you and your family are used to. prucrisis covervantage 1 Enjoy peace of mind, come what may. That is why we developed PRUCrisis Cover Vantage to supplement the PRUVantage suite of Wealth Management Products. As one of the market leaders in critical illness protection, Prudential is the first in the market to introduce the critical illness product with a high coverage 2 of up to $3.6 million PRUCrisis Cover Vantage. The level of coverage is specially catered for a successful individual like you, so that you can be assured of access to quality medical treatment, right from the onset of critical illness 2. Even if the illness is at its early stage, this is the only plan that offers a payout of up to $500,000 upon diagnosis of early stage critical illness 3. The balance sum assured continues to protect you should the illness advance 2. PRUCrisis Cover Vantage also provides coverage of up to $250,000 for selected diabetic complications 4,5.

3 The assurance of higher coverage With a high coverage 2 limit of up to $3.6 million, you can rest assured that you will receive the high standards of care you are accustomed to. Receive up to $500,000 right from the diagnosis of selected Early Stage Medical Condition 3 or up to $1 million for selected Intermediate Stage Medical Condition 6, and if the illness advances 2, we will pay the remaining amount of the sum assured. In the event of a successful Early or Intermediate Stage Medical Conditions Payout, your future premiums for PRUCrisis Cover Vantage will be waived 7 provided the benefit is not terminated. Diabetic Complications 4,5 PRUCrisis Cover Vantage is the first of its kind to make payouts of up to $250,000 for selected diabetic complications 4,5. Angioplasty and other Invasive Treatment for Coronary Artery 4,8 PRUCrisis Cover Vantage offers a onetime claim of S$25,000 for Angioplasty and other Invasive treatments of the Coronary Artery 4,8. A payout under Special Benefit 4 does not reduce your Sum Assured under PRUCrisis Cover Vantage, so you are able to enjoy the coverage you need. Takes care of your loved ones, if you can t If an accident happens and misfortune occurs, you can be assured of an Accidental Death benefit 9 of up to 100% sum assured coverage or $1 million,. This gives your family the assurance that they will be taken care of. In the event of death or a diagnosis of Terminal Illness, we will pay up to 10% of the sum assured or $100,000, for PRUCrisis Cover Vantage (standalone plan) 1. Holistic approach to cover your needs PRUCrisis Cover Vantage offers you the option for protection of Critical Illness till 85 years on your next birthday. Alternatively, Crisis Cover Vantage 1 can be added to your existing PRUTerm Vantage plan, ensuring even more comprehensive coverage and greater peace of mind. To find out more about PRUCrisis Cover Vantage, call your Prudential Financial Consultant or our PruCustomer Line at Alternatively us at [email protected] or visit

4 Staged Critical Illness Claim Benefit Early Stage Medical Conditions 3 Intermediate Stage Medical Conditions 6 Critical Illnesses 2 50% of Sum Assured or $500,000, 100% of Sum Assured or $1,000,000, 1 Moderately severe Alzheimer s Disease or Dementia Alzheimer s Disease / Severe Dementia 2 Apallic Syndrome 3 Reversible Aplastic Anaemia Aplastic Anaemia 4 5 Bacterial Meningitis with full recovery Surgical removal of pituitary tumour or Surgery for subdural haematoma Bacterial Meningitis Benign Brain Tumour 6 Loss of sight in one eye 7 Coma for 48 hours Optic Nerve Atrophy with low vision Severe Epilepsy or Coma for 72 hours Blindness (Loss of Sight) Coma 8 Keyhole coronary bypass surgery or Coronary Artery Arthrectomy or Transmyocardial Laser Revascularisation or Enhanced External Counterpulsation Device Insertion Coronary Artery Bypass Surgery 9 Partial loss of hearing or Cavernous sinus thrombosis surgery Cochlear implant surgery Deafness (Loss of Hearing) 10 Liver surgery Liver Cirrhosis End Stage Liver Failure 11 Severe Asthma or Insertion of a Venocava filter Surgical removal of one lung End Stage Lung Disease 12 Hepatitis with Cirrhosis Fulminant Hepatitis 13 Cardiac pacemaker insertion or Pericardectomy Cardiac defibrillator insertion or Early Cardiomyopathy Heart Attack of Specified Severity 14 Percutaneous Valve Surgery Heart Valve Surgery 15 HIV due to Assault, Organ Transplant or Occupationally Acquired HIV HIV Due to Blood Transfusion and Occupationally Acquired HIV 16 Surgical removal of one kidney or Chronic Kidney Disease Kidney Failure 17 Loss of Independent Existence 18 Loss of Speech due to neurological disease or neurological injury Loss of Speech

5 Staged Critical Illness Claim Benefit Early Stage Medical Conditions 3 50% of Sum Assured or $500,000, Intermediate Stage Medical Conditions 6 100% of Sum Assured or $1,000,000, Critical Illnesses 2 19 Moderately severe burns Major Burns 20 Carcinoma in situ of specified organs Early Prostate Cancer Early Thyroid Cancer Early Bladder Cancer Early Chronic Lymphocytic Leukaemia Early Melanoma Gastrointestinal Stromal Tumour (GIST) Carcinoma insitu of specified organs treated with Radical Surgery Major Cancers 21 Facial reconstructive surgery or Spinal cord injury Major Head Trauma 22 Small bowel transplant or Corneal transplant Major Organ / Bone Marrow Transplantation 23 Early Motor Neurone Disease Motor Neurone Disease 24 Early Multiple Sclerosis Multiple Sclerosis 25 Moderately severe Muscular Dystrophy Muscular Dystrophy 26 Other Serious Coronary Artery Disease 27 Paralysis (Loss of Use of Limbs) 28 Moderately severe Parkinson s Disease Parkinson s Disease 29 Poliomyelitis 30 Early Pulmonary Hypertension 31 Early Progressive Scleroderma Secondary Pulmonary Hypertension Progressive Scleroderma with CREST syndrome Primary Pulmonary Hypertension Progressive Scleroderma 32 Brain aneurysm surgery or Cerebral shunt insertion Carotid Artery Surgery Stroke 33 Minimally invasive surgery to Aorta or Large asymptomatic aortic aneurysm Surgery to Aorta 34 Systemic Lupus Erythematosus with Lupus Nephritis 35 Viral Encephalitis with full recovery Viral Encephalitis

6 Footnotes: 1. The applicant must be between age 16 to 65 next birthday for PRUCrisis Cover Vantage and age 21 to 65 next birthday for Crisis Cover Vantage Benefit. 2. For certain medical conditions, there is a waiting period of 90 days from the date of issue or reinstatement whichever is later. If the life assured is diagnosed as having any one of the Critical Illnesses listed, we pay 100% of the PRUCrisis Cover Vantage policy / Crisis Cover Vantage Benefit sum assured, less any prior successful claim under the Early Stage Payout benefit and / or Intermediate Stage Payout benefit. After paying out this benefit, your PRUCrisis Cover Vantage policy / Crisis Cover Vantage Benefit terminates. 3. There is a maximum payout of $500,000 for the Early Stage Payout benefit for each life assured, across all the PRUCrisis Cover Vantage policy(ies) and / or Crisis Cover Vantage Benefit(s) that the life assured may have. Once the maximum payout limit is reached, this benefit terminates and no further payout will be made under this benefit against any of the PRUCrisis Cover Vantage policy and / or Crisis Cover Vantage Benefit that the life assured may have. 4. There is a maximum payout for each of the Special Benefit Medical Conditions mentioned above, for each life assured, across all the PRUCrisis Cover Vantage policy(ies) and / or Crisis Cover Vantage Benefit(s) that the life assured may have. We pay this benefit only once for each of the above two Special Benefit Medical Conditions, i.e. once for Angioplasty and other Invasive Treatment for Coronary Artery and once for Diabetic Complications. 5. Once a claim for Diabetic Complications is made, no further payout will be made under Diabetic Complications across all PRUCrisis Cover Vantage policy(ies) and / or Crisis Cover Vantage Benefit(s) that the life assured may have even if the maximum Diabetic Condition payout amount is not reached. Each covered diabetic complication has a maximum benefit payout amount which could be lower than $250, There is a maximum payout of $1,000,000 for the Intermediate Stage Payout benefit for each life assured, across all the PRUCrisis Cover Vantage policy(ies) and / or Crisis Cover Vantage Benefit(s) that the life assured may have. Once the maximum payout limit is reached, this benefit terminates and no further payout will be made under this benefit against any of the PRUCrisis Cover Vantage policy and / or Crisis Cover Vantage Benefit that the life assured may have. Any Intermediate Stage Payout will less off any prior successful claim under the Early Stage Payout benefit. Once a claim for this benefit is paid, the Early Stage Payout benefit will also terminate. 7. We waive all future premiums from the next premium due date following the date of diagnosis of a Early Stage or Intermediate Stage Medical Condition. 8. Once a claim for Angioplasty and other Invasive Treatment for Coronary Artery is made, no further payout will be made under Angioplasty and other Invasive Treatment for Coronary Artery across all PRUCrisis Cover Vantage policy(ies) and / or Crisis Cover Vantage Benefit(s) that the life assured may have. 9. The Accidental Death benefit is only payable if the Accidental Death occurs within 12 calendar months from the date of the Accident. Notes: Buying a life insurance policy is a longterm commitment. This plan has no cash value. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. Premiums are not guaranteed and may be adjusted based on future claims experience. You are recommended to seek advice from a qualified Prudential Financial Consultant for a financial analysis before purchasing a policy suitable to meet your needs. This brochure is for reference only and is not a contract of insurance. Please refer to the exact terms and conditions, specific details and exclusions applicable to the insurance product in the policy documents that can be obtained from your Prudential Financial Consultant. This brochure is for distribution in Singapore only and shall not be construed as an offer to sell or solicitation to buy or provision of any insurance product outside Singapore. In case of discrepancy between the English and Mandarin versions of this brochure, the English version shall prevail. Information is correct as at 27 May 2016.

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