Critical Illness

PRULady: Comprehensive Health Protection Tailored for Women

As a woman, you're constantly breaking boundaries and surpassing expectations. Whether you're a young professional, a busy mother, or both, you deserve a health plan that keeps up with your dynamic lifestyle. That's where PRULady comes in - a unique health insurance plan designed specifically for women like you . Let's dive into what makes PRULady stand out and how it can support you through every stage of your life.

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What is PRULady?

PRULady is a comprehensive health insurance plan created by Prudential specifically for women. It offers coverage for female-specific illnesses, medical procedures, and support benefits that cater to the unique health needs of women. With four different plans to choose from, PRULady provides flexible coverage options to suit your individual needs and budget.

Key Benefits of PRULady

Comprehensive Female-Specific Coverage

PRULady covers a wide range of female-related medical conditions and procedures, ensuring you're protected against the health risks that matter most to women.

Preventive Health Screening

Every two years, you can undergo a comprehensive health screening, helping you stay on top of your health proactively.

Reconstructive Surgery Coverage

The plan covers reconstructive surgeries and skin grafting, which can be crucial for recovery and confidence after certain medical procedures or accidents.

Post-Diagnosis Support

PRULady goes beyond just covering illnesses - it provides support benefits to help you through your recovery journey.

Premium Waiver

If you make a claim for a female illness, your premiums are waived for 36 months, giving you financial relief when you need it most.

Optional Maternity Coverage

You can add on coverage for pregnancy complications, congenital illnesses, and hospital care.

What Does PRULady Cover?

Female Illnesses

PRULady covers a range of conditions specific to women, including: Systemic Lupus Erythematosus with Lupus Nephritis, Rheumatoid Arthritis, Chronic Auto-Immune Hepatitis, various female-specific cancers (breast, cervix, uterus, etc.), Osteoporosis requiring surgery, Carcinoma in situ of the breast and cervix, Urinary incontinence and uterine prolapse requiring surgical repair, Thyroid disorders causing thyroid storm, and Polycystic Ovarian Syndrome .

Medical Procedures

The plan covers various medical procedures that women might need, such as: Radical vulvectomy, Wertheim's operation, Total pelvic exenteration, Hysterectomy, Mastectomy, and Breast lumpectomy .

Reconstructive Surgeries

PRULady provides coverage for: Breast reconstructive surgery following a mastectomy, Facial reconstructive surgery due to an accident, and Skin grafting due to major burns or skin cancer .

Support Benefits

The plan goes beyond medical coverage to provide support through: Oocyte cryopreservation (egg freezing) due to covered female cancers, Molecular gene expression profiling test for breast cancer treatment guidance, Hormone replacement therapy, and Outpatient psychiatric benefit .

How Much Coverage Do You Get?

PRULady offers four plans with different levels of coverage:

- Plan A: S$25,000 sum assured

- Plan B: S$50,000 sum assured

- Plan C: S$75,000 sum assured

- Plan D: S$100,000 sum assured

These sums assured apply to the Female Illnesses benefit, Medical Procedures benefit, and Reconstructive Surgery or Skin Grafting benefit. The Support benefit has a fixed sum assured of S$25,000 across all plans.

Optional Maternity Cover Plus

For additional protection during pregnancy, you can add on Maternity Cover Plus. This optional benefit provides coverage for:

  • Pregnancy Complications
  • Congenital Illnesses
  • Hospital Care

You can choose from four levels of coverage: S$5,000, S$10,000, S$15,000, or S$20,000 .

Why Compare PRULady 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

How Much Does It Cost?

Let's look at an example to understand the cost:

Rachel, a 30-year-old non-smoker, chooses PRULady Plan A with a S$25,000 sum assured. Her premium is just S$1.60 per day, or S$542.75 per year . This provides coverage up to age 75.

When Rachel becomes pregnant at age 33, she adds on Maternity Cover Plus Plan A with a S$5,000 sum assured for a one-time premium of S$528.25.

Remember, premiums may vary based on your age, health condition, and chosen plan. It's best to consult with a Prudential Financial Consultant for a personalized quote.

Additional Benefits

Biennial Health Screening

Starting from the 3rd policy year, you can enjoy a comprehensive health screening every two years. You can choose between two packages: Package 1 with 23 tests or Package 2 with 25 tests, both including complete history taking.

Loyalty Benefit

Enjoy a 15% discount on the first-year premium of selected Prudential policies bought for significant life events.

Premium Waiver

If you make a claim for a Female Illness benefit of at least 50% of the sum assured, your premiums are waived for 36 months.

Real-Life Scenario

Let's continue with Rachel's story to see how PRULady works in practice:

  1. Rachel starts the plan at age 30, paying S$1.60 per day.
  1. At age 33, she becomes pregnant and adds Maternity Cover Plus.
  1. She receives the Pregnancy Complications benefit of S$5,000 when complications arise.
  1. At age 40, Rachel is diagnosed with breast cancer. She receives:
  • Female Illnesses benefit of S$25,000
  • Support benefit of S$10,000 for various support services
  • Her premiums are waived for the next 3 years
  1. Rachel undergoes a mastectomy and receives:
  • Medical Procedures benefit of S$7,500
  • Reconstructive Surgery benefit of S$25,000 for breast reconstruction
  1. Throughout her journey, Rachel continues to receive biennial health screenings.
  1. After her recovery, Rachel resumes premium payments and continues to enjoy coverage until age 75.

This scenario demonstrates how PRULady provides comprehensive support through various stages of a woman's life, from pregnancy to serious illness and recovery.

Pros and Cons

Pros

  • Comprehensive coverage specifically designed for women's health needs

  • Flexible plans to suit different budgets and coverage needs

  • Includes support benefits beyond just medical coverage

  • Easy application process with just 9 health questions

  • Premium waiver provides financial relief during illness recovery

  • Regular health screenings promote preventive care

Cons

  • No savings or investment component

  • Premiums are not guaranteed and may increase based on claims experience

  • Coverage ends at age 75, which may not be sufficient for some women

Conclusion

PRULady offers a unique and comprehensive health protection solution tailored specifically for women. With its wide-ranging coverage for female-specific illnesses, medical procedures, and support benefits, it provides peace of mind through every stage of a woman's life. The plan's flexibility, easy application process, and additional benefits like regular health screenings make it an attractive option for women looking to secure their health and wellbeing.

However, as with any insurance decision, it's important to carefully consider your personal needs, health condition, and financial situation before making a choice. While PRULady offers many benefits, it's crucial to understand its limitations, such as the lack of a savings component and the potential for premium increases.

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