Critical Illness

PRUActive Protect: Customizable Critical Illness Coverage for Life's Uncertainties

In today's world, the threat of critical illness looms large. Did you know that 1 in 4 people in Singapore may develop cancer in their lifetime? Or that cardiovascular diseases account for 31% of all deaths in the country? These sobering statistics highlight the importance of having robust critical illness coverage. If you're looking for a flexible and comprehensive critical illness plan, PRUActive Protect might be the solution you've been searching for.

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What is PRUActive Protect?

PRUActive Protect is a customizable critical illness insurance plan offered by Prudential . It's designed to provide financial protection against a wide range of critical illnesses, with the unique feature of allowing you to build and adjust your coverage as you progress through different life stages. This plan not only covers you but can also extend protection to your spouse and children, making it a comprehensive family solution.

Key Features That Set PRUActive Protect Apart

Customizable Coverage

Build your protection against recurring and relapse critical illness conditions anytime during your policy term (up to age 65). Choose a policy term from 10 up to 99 years.

Comprehensive Critical Illness Coverage

Covers 37 critical illnesses up to age 100 , including major conditions like cancer, heart attack, and stroke.

Crisis Care Accelerator Benefit

Provides payout for serious illnesses or accidents affecting major organs that result in ICU admission.

Child Cover Benefit

Complimentary coverage for your children against critical illnesses and juvenile conditions.

Spouse Waiver Benefit

Waives one year of premiums if your spouse is diagnosed with a critical illness.

Optional Supplementary Benefits

Protect Plus, Early Protect, and Early Protect Plus for enhanced coverage options.

Real premiums suggested for PRUActive Protect

27, Female making $8,100 a month

Coverage:
death
$20,000
critical illness
$100,000
Premium:
$35.79
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24, Female making $83,333.333 a month

Coverage:
CI
$250,000
Premium:
$1,027.5
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25, Female making $3,500 a month

Coverage:
TPD
death
$20,000
critical illness:
amount
$100,000
multiplier
$5
early critical illness:
amount
$100,000
multiplier
$5
Premium:
$[object Object]
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27, Male making $3,200 a month

Coverage:
death
$150,000
early critical illness
$75,000
additional death benefit
$30,000
Premium:
$945
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28, Male making $9,000 a month

Coverage:
death
$20,000
critical illness
$100,000
Premium:
$35.79
Read More
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What Does PRUActive Protect Cover?

PRUActive Protect provides coverage against 37 critical illnesses , including:

  1. Major Cancer
  1. Heart Attack of Specified Severity
  1. Stroke with Permanent Neurological Deficit
  1. Coronary Artery Bypass Surgery
  1. End Stage Kidney Failure
  1. End Stage Liver Failure
  1. Alzheimer's Disease / Severe Dementia

And many other conditions that can significantly impact your quality of life and financial stability.

How Does PRUActive Protect Work?

Total payout from PRUActive Protect: S$470,000

This example illustrates how PRUActive Protect can provide comprehensive coverage throughout different life stages and multiple health events.

Initial Coverage

S$100,000 for critical illness, S$20,000 for death benefit, Coverage until age 85, Monthly premium: S$35.79

Age 26: Adding Supplementary Benefits

Adds Protect Plus and Early Protect (S$100,000 coverage for pre-critical stage illness), New monthly premium: S$97.84

Age 30: Marriage and Enhanced Coverage

Adds Early Protect Plus, New monthly premium: S$115.35

Age 36: Early Stage Breast Cancer Diagnosis

Receives S$100,000 payout from Early Protect , Continues to be covered for critical illness, pre-critical stage illness, and death

Later at Age 36: Cancer Relapse

Receives another S$100,000 payout from Early Protect Plus , Coverage continues

Also at Age 36: Accident and ICU Stay

Receives S$50,000 payout under Crisis Care Accelerator Benefit

Age 65: Keyhole Cardiac Surgery

Receives S$100,000 payout from Early Protect Plus, Coverage continues

Age 70: Heart Attack

Receives S$100,000 payout from PRUActive Protect , Coverage continues

Age 80: Spouse's Critical Illness

Jane's premiums are waived for 1 year under Spouse Waiver Benefit

Later Age: Jane's Passing

Her family receives S$20,000 death benefit

Optional Supplementary Benefits Explained

Protect Plus

Allows coverage to restore to 100% after each critical illness claim. Make multiple claims up to 500% of the PRUActive Protect sum assured.

Early Protect

Covers pre-critical stage critical illnesses. Claim up to 100% of coverage amount.

Early Protect Plus

Provides repeated coverage for recurring or relapse of pre-critical stage illnesses. Make multiple claims up to 500% of the Early Protect sum assured.

Other Available Supplementary Benefits

Life Protect Plus, Severe Infections Protect, Monthly Benefit

Why Compare PRUActive Protect with other Critical Illness Options through Whatins?

Traditional Approach

  • Limited visibility into critical illness definitions
  • Single insurer's critical illness criteria
  • May miss important coverage distinctions

Whatins Advantage

  • Compare critical illness definitions across insurers
  • Understand early, intermediate, and late stage differences
  • See how different critical illness plans complement each other
  • Compare exclusions and waiting periods

Unique Features of PRUActive Protect

Crisis Care Accelerator Benefit

Pays out 50% of the critical illness benefit (capped at S$100,000) if you undergo surgery on vital organs and are admitted to ICU for 3 or more consecutive days.

Child Cover Benefit

When both parents have a PRUActive Protect policy, all their unnamed children get complimentary coverage for critical illnesses and juvenile conditions.

Spouse Waiver Benefit

Waives 1 year of premiums for PRUActive Protect and supplementary benefits if your spouse is diagnosed with a critical illness.

Pros and Cons of PRUActive Protect

Pros

  • Highly customizable coverage

  • Comprehensive protection against 37 critical illnesses

  • Option to cover early-stage and recurring illnesses

  • Family-oriented benefits (Child Cover and Spouse Waiver)

  • Flexibility to add coverage as life circumstances change

Cons

  • Premiums are not guaranteed and may increase

  • No savings or investment component

  • Early termination may result in zero or less than total premiums paid

  • Waiting periods apply for some benefits

  • Pre-existing conditions are typically excluded

Frequently Asked Questions

Can I change my coverage after purchasing the policy?

Yes, you can add supplementary benefits up to age 65.

What happens if I can't pay my premiums?

Your policy may lapse, and you may lose your coverage. It's important to maintain premium payments.

Are there any waiting periods?

Yes, waiting periods apply for some benefits, especially for recurring illnesses.

Is there a survival period for critical illness claims?

Yes, for some benefits like Early Protect, you need to survive for at least 7 days from diagnosis.

Can I get coverage if I have pre-existing conditions?

Pre-existing conditions are typically excluded. It's best to disclose all health information during application.

Conclusion

PRUActive Protect offers a flexible and comprehensive approach to critical illness coverage . Its unique feature of allowing you to build and adjust your protection as you progress through life makes it stand out in the market. The plan's extensive coverage, including early-stage and recurring illnesses, provides a robust safety net against the financial impact of critical illnesses.

However, as with any insurance decision, it's crucial to carefully consider your personal needs, health status, and financial situation before making a choice. The flexibility of PRUActive Protect is a double-edged sword – while it allows for customization, it also requires careful planning to ensure you're adequately covered without overextending your budget.

Remember, the best insurance plan is one that provides peace of mind and fits your specific circumstances. If you're considering PRUActive Protect or any other critical illness plan, it's always wise to consult with a financial advisor who can provide personalized recommendations based on your unique situation.

Get Expert Advice

Ready to explore your options further? Don't rely on just one perspective. Get expert insights tailored to your unique needs. Sign up now to receive 5 expert opinions on critical illness insurance. These professionals will review your specific situation and provide personalized recommendations, helping you make the most informed decision possible.

By consulting with multiple experts, you'll gain a comprehensive understanding of your options and ensure you're choosing the best coverage for your needs and life stage. Don't leave your protection to chance – get the expert advice you deserve today .

Click here to get 5 expert opinions on critical illness insurance

Why people were suggested PRUActive Protect

Hijanah
Hijanah, 27
GenderFemale
Monthly Income$8,100
Insurance Types Suggested
  • Critical Illness
  • Hospital
  • Endowment
Why PRUActive Protect was suggested:
PRUActive Protect is suggested as a comprehensive critical illness coverage plan that provides protection up to age 85. It offers customizable protection and the ability to add supplementary benefits as the person's needs change over time. This flexibility makes it suitable for someone starting their career and planning for long-term financial security.
Mahi
Mahi , 25
GenderFemale
Monthly Income$3,500
Insurance Types Suggested
  • Hospital
  • Personal Accident
  • Critical Illness
  • Investment Linked Plan
Why PruActive Protect was suggested:
The PruActive Protect plan is a multi-pay critical illness plan that provides comprehensive coverage for critical illnesses and early critical illnesses, including relapse. It offers up to 5 times payout for each condition and includes a waiver of premium benefit, ensuring continued protection without worrying about premium payments if diagnosed with a critical illness.
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