Doctor health check mother and daughter

PRUHealth

We DO Health. Because health is the ultimate wealth.

Keeping you protected

at all times

Free COVID-19 protection

We’re in the fight against the COVID-19 outbreak together. And, we know it’s important to keep you protected from the unpredictable consequences the outbreak causes.

The free COVID19 benefits are available to PMLI clients until 30 June 2021 or 90 days from date of policy issuance, whichever comes first.

Choose the plans that meets your goals

Choose the plan that meets your needs, to protect yourself and your family from health and financial risk.

 

Benefits Silver Gold Ruby Diamond

Death Benefits

3,000,000 5,000,000 8,000,000 10,000,000
Daily Hospital Cash 30,000 / Day 50,000 / Day 80,000 / Day 100,000 / Day
Surgical Cash Up to 1,500,000 Up to 2,500,000 Up to 4,000,000 Up to 5,000,000
Miscarriage 300,000 300,000 300,000 300,000
Outpatient

7,500 per visit 

30,000 / year

12,500 per visit 

50,000 / year

20,000 per visit 

80,000 / year

25,000 per visit 

100,000 / year


Note:

Optional coverage (1) Surgical Cash % Miscarriage and (2) Outpatient can be opt-out.

1) Maximum 60 days per year
2) Based on the actual cost of surgery
3) Benefit paid out under miscarriage will be deducted from total surgical benefit limit and is claimable once only.
4) Maximum 4 visits per year

Annual Premium (Individual)

Choose the plan that meets your needs, to protect yourself and your family from health and financial risk.

 

Age Band

(Year)

Silver Gold Ruby Diamond

6 - 30

108,900 181,500 290,400 363,000
31 - 40 118,800 198,000 316,800 396,000
41 - 50 128,700 214,500 343,200 429,000
51 - 60 161,700 269,500 431,200 539,000
61 - 75

260,700

434,500

695,200

869,000

The amount shown above pays for the complete PRUHealth package which includes the following benefits: Death benefit, Hospital Cash, Surgical Cash, Miscarriage and Outpatient benefit

Annual Premium (Group)

Choose the plan that meets your needs, to protect yourself and your family from health and financial risk.

 

Age Band

(Year)

Silver Gold Ruby Diamond

6 - 30

103,800 173,000 276,800 346,00
31 - 40 113,100 188,500 301,600 377,000
41 - 50 122,400 204,000 326,400 408,000
51 - 60 153,900 256,500 410,400 513,000
61 - 75

247,800

413,000

660,800

826,000

The amount shown above pays for the complete PRUHealth package which includes the following benefits: Death benefit, Hospital Cash, Surgical Cash, Miscarriage and Outpatient benefit. 

 
Important Notes
1. PRUHealth is a one-year term policy and is not guaranteed renewable.
2. For Juvenile (age between 6 years to 18 years), consent from parents or guardian is required.
3. For age above 65 years, medical examinations will be required at the customer's own expense and will be subject to the company's approval.
4. You should satisfy yourself that this policy will best serve your needs and that the payment payable under the policy is an amount that you can afford before making a decision.
5. The above benefits shall not be payable for any injury, disease, hospitalization, surgery, miscarriage, death or outpatient visits that occurred directly or indirectly as a result of:
(a) Any existing diseases that are under treatment; or received recommendation from doctor to get treatment; or for any existing symptoms;
(b) Childbirth, C-sections, delivery related surgery. For hospitalization and surgery due to pregnancy during the insured period such as Preeclampsia, gestational hypertension and gestational diabetes, will be covered. In addition, miscarriage benefit is payable if the Insured have purchased optional coverage (1), if eligible;
(c) Psychosis and Mental Disorder;
(d) Fertility treatment;
(e) Dental surgery and treatment except due to accident ;
(f) Optical examination, surgery and treatment except due to accident;
(g) Cosmetic/aesthetic surgery;
(h) Hearing aids and services related to fitting of hearing aids;
(i) Physical defect or infirmity;
(k) Drug or alcohol abuse;
(l) Criminal activity;
(m) AIDS/HIV;
(n)Terrorism, civil unrest, riots, hostilities or warlike operations (whether war be declared or not) civil war assuming the proportions of or amounting to popular rising, rebellion revolution, insurrection, military or usurped power or any act of any person acting on behalf of or in connection with any organization with activities directed towards the overthrow by force of the government de jure or de facto or to the influencing of it by terrorism or violence or by the direct or indirect consequences of any of the said occurrences;
(o) Hospitalizations of less than 3 days for treatment of diseases
(p) Fraudulent claims; and
(q) Suicide or self-inflicted injury;
 
The Terms and Conditions stated in this brochure are non-exhaustive. Please refer to the exact terms and conditions, specific details and exclusions applicable to these insurance products in the Policy Contract that can be obtained from your Prudential Advisor. 

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