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Entry age | Maximum insured age | Policy term | Premium term |
From 18 to 65 years old | 85 years old | 1 year and automatically renewed annually, shall under no circumstance exceed the maximum insured age limit | Equal to the policy term |
Prudential shall pay additional 50% of the Sum Assured if the Life Assured is diagnosed with one of three following common Top 3 Critical Illness of Degree of Illness Conditions at sereve stage, including:
Prudential shall pay additional 5% of the Sum Assured ì the Life Assured undergoes any moderate or sereve surgery.
Insurance benefits for Degree of Illness Conditions is paid based on the list of Organs, Functions; Disabilities and Critical Illnesses, including Degree of Illness Conditions at moderate stage and Degree of Illness Conditions at sereve stage:
1. Degree of Illness Conditions:
Organs, Function; Disabilities | Moderate stage | Severe stage |
Cardiovascular System | √ | √ |
Respiratory System | √ | √ |
Neurological System | √ | √ |
Renal System and Kidney Function | √ | √ |
Hepatic System and Liver Function | √ | √ |
Sensory System | √ | √ |
Disabilities | √ | √ |
Cancer | √ | √ |
Stroke | NA | √ |
Heart attack | NA | √ |
2. Death benefit:
100% of the Sum Assured. The policy shall be terminated upon the death of the Life Assured.
Exclusion in case of death of the Life Assured
Exclusion in case of Degree of illness condition
(*) Exclusion period: is the period during which in case of an insurable event, if any, benefits shall not be paid, from the Effective Date of Rider or from the latest Policy reinstatement date, whichever is later.
All information presented herein are of summarized nature and for reference only. All conditions thereof shall be carried out in accordance with the terms and conditions as approved by the Ministry of Finance.
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