In today's fast-paced world, health concerns can arise unexpectedly, often catching us off guard. Did you know that early detection and treatment of critical illnesses can significantly improve recovery chances? This is where PRUEarly Stage Crisis Cover comes into play, offering a unique and comprehensive approach to critical illness protection. Let's dive deep into what makes this policy stand out and how it can benefit you and your loved ones.
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PRUEarly Stage Crisis Cover is an innovative insurance policy designed to provide financial support right from the early stages of critical illnesses . Unlike traditional critical illness policies that typically pay out only in advanced stages, this plan offers coverage for early and intermediate stages of various medical conditions. It's the first of its kind in Singapore to cover selected diabetic complications , making it a game-changer in the insurance industry.
Protects against 70 different medical conditions . Covers early, intermediate, and critical stages of illnesses.
Provides financial support from the early stages of critical illnesses. Helps manage additional expenses during recuperation.
First policy in Singapore to cover diabetic complications . Offers a 20% payout of the sum assured for diabetic complications.
Future premiums are waived after the first claim under the 50% Severity Payout. Reduces financial burden during recovery.
Allows for a second claim immediately if the condition worsens or a different condition occurs. Provides continuous protection even after an initial claim.
Covers an additional 8 medical conditions for individuals under 18. Offers 25% of sum assured payout for juvenile conditions.
Examples include: Moderately severe Alzheimer's Disease or Dementia, Reversible Aplastic Anaemia, Early stage cancers (various types), Cardiac pacemaker insertion, Severe Asthma
Examples include: Optic Nerve Atrophy with low vision, Severe Epilepsy, Liver Cirrhosis, Cardiac defibrillator insertion
Examples include: Major Cancers, Heart Attack, Stroke, Kidney Failure, Major Organ Transplantation
The policy offers different payout percentages based on the severity of the condition:
It's important to note that the maximum claimable benefit combined under the 50% and 100% Severity Payouts cannot exceed 100% of the sum assured.
PRUEarly Stage Crisis Cover offers flexibility in how you can incorporate it into your insurance portfolio:
The policy offers competitive premiums. Here are some examples (based on a non-smoker):
These daily rates translate to annual premiums ranging from about $489 to $856, depending on age, gender, and policy term.
Imagine you're diagnosed with early-stage prostate cancer. With this policy: You'd receive 50% of your sum assured immediately . Future premiums would be waived. You'd have financial support for treatment and recovery. If the cancer progresses, you could claim the remaining 50%.
If you develop diabetic retinopathy: You'd receive 20% of your sum assured . This could help cover specialized treatments and lifestyle adjustments.
If your child is diagnosed with Type 1 Diabetes Mellitus: You'd receive 25% of the sum assured . This could help manage ongoing treatment costs and lifestyle changes.
If you require a cardiac pacemaker insertion (early stage), and later suffer a heart attack: You'd receive 50% payout for the pacemaker insertion . Future premiums would be waived. You'd receive the remaining 50% if you suffer a heart attack later.
Comprehensive coverage for 70 medical conditions
Early stage payouts provide timely financial support
Unique coverage for diabetic complications
Premium waiver after first 50% Severity Payout claim
Multiple claim feature for different conditions
Juvenile coverage for additional peace of mind
Flexibility to add to existing Prudential plans
No savings or investment component
Premiums are not guaranteed and may increase
Maximum payout limited to 100% of sum assured
Waiting period of 90 days for certain conditions
Survival period required before claim payout
Yes, there's a 90-day waiting period from the policy issue date or reinstatement date for certain conditions.
No, you can't make repeat claims for the same listed medical condition.
The policy only covers the listed medical conditions. It's important to review the full list in the product summary.
No, premium rates are not guaranteed and may be adjusted based on future claims experience.
No, as this is a protection-focused product, there's no cash value if the policy ends prematurely.
PRUEarly Stage Crisis Cover offers a comprehensive and innovative approach to critical illness protection. By providing coverage from early stages and including unique features like diabetic complication coverage, it addresses a crucial gap in traditional critical illness policies. This can provide invaluable financial support and peace of mind during challenging times.
However, as with any insurance decision, it's essential to carefully consider your personal health risks, financial situation, and long-term needs. While the policy offers extensive coverage, it's important to understand its limitations, such as the lack of a savings component and the potential for premium increases.
Ready to explore your critical illness coverage 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 coverage . 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 protection for your health and financial wellbeing. Don't leave your future to chance – get the expert advice you deserve today.
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