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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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.
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.
Every two years, you can undergo a comprehensive health screening, helping you stay on top of your health proactively.
The plan covers reconstructive surgeries and skin grafting, which can be crucial for recovery and confidence after certain medical procedures or accidents.
PRULady goes beyond just covering illnesses - it provides support benefits to help you through your recovery journey.
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.
You can add on coverage for pregnancy complications, congenital illnesses, and hospital care.
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 .
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 .
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 .
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 .
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.
For additional protection during pregnancy, you can add on Maternity Cover Plus. This optional benefit provides coverage for:
You can choose from four levels of coverage: S$5,000, S$10,000, S$15,000, or S$20,000 .
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.
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.
Enjoy a 15% discount on the first-year premium of selected Prudential policies bought for significant life events.
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.
Let's continue with Rachel's story to see how PRULady works in practice:
This scenario demonstrates how PRULady provides comprehensive support through various stages of a woman's life, from pregnancy to serious illness and recovery.
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
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
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.
Ready to take control of your health protection? Don't rely on just one perspective. Get expert insights tailored to your unique needs as a woman. Sign up now to receive 5 expert opinions on women's health 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 as a woman. Don't leave your health protection to chance – get the expert advice you deserve today.
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