Critical Illness Insurance

Summary of Prudential Critical Illness Plans

Prudential was founded in 1848 in the United Kingdom. By 1914, one in three British households had an insurance policy with Prudential. Fast forward till today, Prudential has grown rapidly across the globe. Prudential has become a trusted name in the Singapore insurance industry.  Prudential Singapore is one of the market leaders in their savings and whole life plans with more than $30 billion in funds under management as of 2016. 

What is Critical Illness Insurance?

Critical illness insurance is an insurance policy that pays a lump sum if you are diagnosed with an illness covered by the policy. The cash benefits are only paid if the illness meets the definition as stated in the policy wordings. Some critical illness policies cover early-stage cancer or have a limited payout for early-stage cancers. These payments are subject to the sum insured or policy limits. 

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Here are the Prudential Critical Illness Plans available: 

Summary of Prudential Critical illness plans:

PolicyPal’s Review of PRUCancer 360, PRUTriple Protect and PRUEarly Stage Crisis Cover

PRUCancer 360

PRUCancer 360 ensures that you are financially stable when diagnosed with cancer of any stage. This policy comes with high flexibility to choose your own premium term and sum assured, ensuring your peace of mind. 

However, PRUCancer 360 does not come with any emergency coverage such as Death, which can be found in other critical illness products. Hence, this policy is purely an affordable coverage for cancer of all stages.

 Good for: Individuals solely looking for Critical Illness coverage. 

PRUTriple Protect

PRUTriple Protect provides you coverage against Critical Illnesses of up to 300% of your sum assured. Your coverage amount will be restored to 100% 12 months after a claim is made, for up to 3 times. This policy also offers one of the highest sum assured amounts, and the flexibility to convert the plan to other types of policies without any medical underwriting.

However, one drawback is that PRUTriple Protect is that it does not include coverage against Early Stage Critical Illnesses. In order for that extra protection, you must include Early Protector Rider which may increase your premium price.

Good for: Individuals looking for high and multiple coverages against critical stage major illnesses.

PRUEarly Stage Crisis Cover

PRUEarly Stage Crisis Cover lightens your expenses with early coverage of 50% severity payout and future premium waiver upon a first successful claim. A second claim can be made immediately should there be a deterioration in your medical condition. This plan also covers diabetic complications (payout 20% of SA) and Angioplasty (payout 10% of SA).

However, PRUEarly Stage Crisis Cover has its limitations. The emergency coverage for Death and Terminal Illnesses is relatively low at only $3,000. 

Good for: Individuals looking for coverage for early critical illnesses.

Want to find out more about Critical Illness plans from other insurers? Here is the full comparison of the Best Critical Illness Insurance.

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You will be able to enjoy a free financial portfolio review which will help you better understand how to create a suitable financial plan for you and your family. We will analyse life insurance products from over 20 insurers and present you solutions that are tailor-made to address your concerns. 

Our advisor will be more than happy to help you understand any of these insurance policies: 

  • Health Insurance
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If you would like to know more about a specific life insurance product you can let us know your preference. This is so that we can be better prepared during the appointment to present you with a comparison table if needed.

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