In today's uncertain world, critical illness insurance plays a vital role in safeguarding your financial well-being. Prudential's PRUEarly Stage Crisis Cover offers a unique approach to critical illness protection, providing support from the early stages of diagnosis. This innovative product covers a comprehensive range of 70 medical conditions, including early-stage critical illnesses and selected diabetic complications. By offering financial assistance at the onset of illness, PRUEarly Stage Crisis Cover empowers you to focus on recovery without the added stress of financial burden.
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PRUEarly Stage Crisis Cover offers extensive protection against a wide range of critical illnesses, with unique features designed to provide comprehensive support. From the number of conditions covered to the payout structure, this product aims to offer peace of mind and financial security when you need it most.
PRUEarly Stage Crisis Cover protects against 70 different medical conditions. This comprehensive suite includes early-stage critical illnesses such as non-invasive cancer, chronic kidney disease, dementia, and severe asthma.
The policy covers early, intermediate, and critical stages of illnesses. This multi-stage approach ensures you receive support at various points in your health journey, from initial diagnosis to more advanced stages.
PRUEarly Stage Crisis Cover offers a multi-pay structure. You can receive up to 50% of the sum assured for early-stage conditions and 100% for intermediate and critical stages, with the total payout not exceeding 100% of the sum assured.
As a first in Singapore, this policy offers a 20% sum assured payout for selected diabetic complications. This unique feature provides additional financial support for managing diabetes-related health issues.
PRUEarly Stage Crisis Cover goes beyond basic critical illness protection, offering a range of additional benefits to enhance your coverage and provide extra financial support in various scenarios. These features are designed to address specific needs and situations that may arise during your health journey.
After your first successful claim on the 50% Severity Payout, all future premiums under PRUEarly Stage Crisis Cover are waived. This feature helps reduce your financial burden during recovery.
If your condition worsens or a different medical condition occurs after a 50% Severity Payout claim, you can immediately claim the balance of the benefit. This ensures continuous financial support as your health needs evolve.
The policy offers a one-time payout of 10% of the sum assured for Angioplasty and other Invasive Treatment for Coronary Artery. This additional coverage provides financial assistance for specific heart-related procedures.
For policyholders under 18, coverage extends to an additional 8 medical conditions. Each claim for these conditions results in a 25% sum assured payout, with up to 4 claims allowed for different conditions.
| Age | What suggestion covers | Premium |
|---|---|---|
| 25, Female making $83,333.333 a month | Not elaborated | $176.64 annual |
PRUEarly Stage Crisis Cover offers flexibility in terms of policy duration and entry age, allowing you to tailor the coverage to your specific needs and life stage. Understanding these options can help you make an informed decision about how to structure your critical illness protection.
While specific minimum and maximum entry ages are not provided in the given information, the policy offers coverage for both adults and juveniles under 18 years old. This suggests a wide entry age range to accommodate various life stages.
PRUEarly Stage Crisis Cover can be purchased as a standalone plan or as a supplementary benefit. It can be attached to Prudential's regular premium main plans or selected limited pay main plans, offering flexibility in how you structure your coverage.
For those with a regular premium investment-linked plan, Early Crisis Cover Provider can be added by allowing charges to be deducted from the account units. This option is available for investment-linked policies with an annualized premium of $1,800 and above.
To file a claim or seek customer support for PRUEarly Stage Crisis Cover, you can contact Prudential's dedicated customer service line at 1800 333 0 333. For personalized assistance, it's recommended to speak with your Prudential Financial Consultant who can guide you through the claims process and answer any policy-related questions. Remember that for certain medical conditions, there's a waiting period of 90 days from the date of issue or reinstatement before a claim can be made. Always refer to your policy documents for specific details on claim procedures and eligibility criteria.
PRUEarly Stage Crisis Cover is an excellent choice for individuals seeking comprehensive critical illness protection with early-stage coverage. It's particularly suitable for those who want financial support from the initial stages of illness diagnosis, people with a family history of critical illnesses, and those looking for a policy that covers a wide range of medical conditions, including diabetic complications. The policy's flexible structure and additional benefits make it a valuable consideration for your insurance portfolio.
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