Wednesday, October 6, 2010

PRUearly Stage Crisis Cover

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 diabetesPRUearly 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 eyeOptic Nerve Atrophy with low visionBlindness (Loss of sight)
Coma for 48 hoursSevere Epilepsy for Coma for 72 hoursComa 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 surgeryCochlear implant surgeryDeafness (Loss of hearing)
Encephalitis with full recovery-Encephalitis
Liver surgeryLiver CirrhosisEnd stage Liver Failure
Severe Asthma or insertion of a Veno-cava filterSurgery removal of one lungEnd stage of Lung Disease
Hepatitis with Cirrhosis-Fulminant Hepatitis
Cardiac pacemaker insertion or PericardectomyCardiac defibrillator insertion or Early CardiomyopathyHeart 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 SurgeryMajor 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 HypertensionSecondary Pulmonary HypertensionPrimary Pulmonary Hypertension
Early Progressive SclerodermaProgressive Scleroderma with CREST syndromeProgressive Scleroderma
Brain aneurysm surgery or Cerebral shunt insertionCarotid artery surgeryStroke
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 assuredMaximum limit
Angioplasty and other Invasive Treatment for Coronary Artery10%$10,000
Diabetic complications include Diabetic Retinopathy, Diabetic Nephropathy or amputation of part of limb due to gangrene.20%$20,000

Life AssuredPremium TermPremium per day6
Male non-smoker age 30 years old at next birthday45 years$1.37
Female non-smoker age 30 years old at next birthday45 years$1.34
Male non-smoker age 40 years old at next birthday35 years$2.20
Female non-smoker age 40 years old at next birthday35 years$2.35

For more information, refer to the official Prudential Assurance PruEarly Stage Crisis Cover website.

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