Should a critical illness strike, the earlier it is diagnosed, the easier it is to manage and the higher the chances of a full recovery. PRUearly stage crisis cover offers financial support right from the early stages of critical illnesses.
Covering a broad and extensive list of illnesses, PRUearly stage crisis cover helps reduce the financial burden resulting from selected early stage critical illnesses - and make it easier for you to concentrate on a full recovery.
The first insurance policy of its kind to cover selected complications arising from diabetes, PRUearly stage crisis cover also offers additional reassurance with a $3,000 death benefit.
Future premiums are waived after the first claim is made under the 50% Severity Payout.
Key Benefits
- Wide coverage with as many as 70 different medical conditions such as Cancer (at the non-invasive stage), chronic kidney diseases, severe asthma and severe Dementia
- Waiver of all future insurance premiums upon a successful claim under the 50% Severity Payout
- Allow second claim if the medical condition deteriorate or a different medical condition occur, PRUearly stage crisis cover will pay the balance of this benefit
- First insurance policy of its kind in Singapore to make payouts for selected diabetic complications. A payout of 20% of the sum assured will be made upon diagnosis of one of the covered Diabetic complications, up to a limit of S$20,000. Diabetic complicationscovered include Diabetic Retinopathy, Diabetic Nephropathy or amputation of part of limb due to gangrene
- Offers a one time claim for Angioplasty and other Invasive Treatment for Coronary Artery of 10% of the Sum Assured, up to a maximum limit of S$10,000
PRUearly stage crisis cover is available as a standalone product (PRUearly stage crisis cover) or supplementary benefit (Early Stage Crisis Cover).
| Early Stage Medical Conditions (50% Severity Payout) | Intermediate Stage Medical Conditions (100% Severity Payout) | Critical Illnesses (100% Severity Payout) |
|---|---|---|
| Moderately severe Alzheimer's Disease or Dementia | - | Alzheimer's Disease/ Severe Dementia |
| Reversible Aplastic Anaemia | - | Aplastic Anaemia |
| Bacterial Meningitis with full recovery | - | Bacterial Meningitis |
| Surgical removal of pituitary tumour or Surgery for subdural haematoma | - | Benign Brain Tumour |
| Loss of sight in one eye | Optic Nerve Atrophy with low vision | Blindness (Loss of sight) |
| Coma for 48 hours | Severe Epilepsy for Coma for 72 hours | Coma for 96 hours |
| Keyhole coronary bypass surgery or Coronary Artery Arthrectomy or Transmyocardial Laser Revascularisation or Enhanced External Counterpulsation Device Insertion | - | Coronary Artery By-pass Surgery |
| Partial loss of hearing or Cavernous sinus thrombosis surgery | Cochlear implant surgery | Deafness (Loss of hearing) |
| Encephalitis with full recovery | - | Encephalitis |
| Liver surgery | Liver Cirrhosis | End stage Liver Failure |
| Severe Asthma or insertion of a Veno-cava filter | Surgery removal of one lung | End stage of Lung Disease |
| Hepatitis with Cirrhosis | - | Fulminant Hepatitis |
| Cardiac pacemaker insertion or Pericardectomy | Cardiac defibrillator insertion or Early Cardiomyopathy | Heart Attack |
| Percutaneous Valve Surgery | - | Heart Valve Surgery |
| HIV due to Assault, Organ Transplant or Occupationally Acquired HIV | - | HIV Due to Blood Transfusion and Occupationally Acquired HIV |
| Surgical removal of one kidney or Chronic Kidney Disease | - | Kidney Failure |
| Loss of Speech due to neurological disease | - | Loss of Speech. |
| Moderately severe burns | - | Major Burns |
| - Carcinoma in situ of specified organs - Early Prostate Cancer - Early Thyroid Cancer - Early Bladder Cancer - Early Chronic Lymphocytic Leukaemia - Early Melanoma | Carcinoma in situ of specified organs treated with Radical Surgery | Major Cancers |
| Facial reconstructive surgery or Spinal cord injury | - | Major Head Trauma |
| Small bowel transplant; or Corneal transplant | - | Major Organ / Bone Marrow Transplantation |
| Early Motor Neurone Disease | - | Motor Neurone Disease |
| Early Multiple Sclerosis | - | Multiple Sclerosis |
| Moderately severe Muscular Dystrophy | - | Muscular Dystrophy |
| Moderately severe Parkinson's Disease | - | Parkinson's Disease |
| Early Pulmonary Hypertension | Secondary Pulmonary Hypertension | Primary Pulmonary Hypertension |
| Early Progressive Scleroderma | Progressive Scleroderma with CREST syndrome | Progressive Scleroderma |
| Brain aneurysm surgery or Cerebral shunt insertion | Carotid artery surgery | Stroke |
| Minimally invasive surgery to Aorta or Large asymptomatic aortic aneurysm | - | Surgery to the Aorta |
Table: Medical conditions covered under Special Benefit
| Claimable percentage of sum assured | Maximum limit | |
|---|---|---|
| Angioplasty and other Invasive Treatment for Coronary Artery | 10% | $10,000 |
| Diabetic complications include Diabetic Retinopathy, Diabetic Nephropathy or amputation of part of limb due to gangrene. | 20% | $20,000 |
| Life Assured | Premium Term | Premium per day6 |
|---|---|---|
| Male non-smoker age 30 years old at next birthday | 45 years | $1.37 |
| Female non-smoker age 30 years old at next birthday | 45 years | $1.34 |
| Male non-smoker age 40 years old at next birthday | 35 years | $2.20 |
| Female non-smoker age 40 years old at next birthday | 35 years | $2.35 |
For more information, refer to the official Prudential Assurance PruEarly Stage Crisis Cover website.
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