Health Protection | Critical Illness

PRUActive Crisis Guard

A health crisis can strike at anytime, whether due to a pandemic, accidents, or critical illnesses.

Ensure you and your loved ones are safeguarded against life’s uncertainties with PRUActive Crisis Guard.
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What is PRUActive Crisis Guard?


PRUActive Crisis Guard is a first-in-market protection plan that provides clear coverage with payouts based on serious medical treatments you undergo, instead of complicated disease definitions. Whether it’s cancer treatment, ICU stays, heart procedures or getting a stroke, we’ve got you covered, making protection simple and stress-free for you and your loved ones.

Focus on what truly matters – getting support for the medical treatments you need and your recovery without having to worry. Your heaviest moments lightened.

Key Benefits

100% payout
Upon undergoing open surgery on major organs1, organ transplant2 or being diagnosed with cancer, heart attack or stroke3.
50% payout
Upon receiving cancer treatment4 or admittance to the ICU for at least 5 continuous days5.
Guaranteed Renewability
At the end of each policy term of 5 years regardless of your health condition6.
Guaranteed Convertibility
To a new whole life or endowment policy without showing evidence of good health7.

Useful tools and Information

Check out these quick links
Needs analysis calculator
Needs analysis calculator
FAQs
FAQs

Important information

Footnotes

1

Covered organs under the Open Surgery of Major Organs Benefit are heart, heart valves and heart vessels, brain and spinal cord, lungs and mediastinum, liver, kidneys.

2

Covered organs under the Organ Transplant Benefit are bone marrow, heart, lung, liver, kidney, pancreas and intestine.

3

Covered critical illnesses under the Critical Illness Benefit are major cancer, heart attack of specified severity and stroke with permanent neurological deficit.

4

Covered cancer treatments under the Cancer Treatment Benefit are chemotherapy, radiotherapy, radiation surgery or radiosurgery, targeted therapy, immunotherapy, radical surgery.

5

ICU Admission Benefit will be payable upon admittance to the Intensive Care Unit (ICU) for at least 5 continuous days after undergoing surgery or suffering an infection.

6

Maximum renewal age is 70 age next birthday. Premiums payable for the renewed policy term will be based on the life assured’s attained age next birthday and at the prevailing premium rates at the date of renewal.

7

This option to convert to another policy is available if the life assured is under 55 years old and is subject to terms and conditions.

Additional Notes

You are recommended to read the product summary and seek advice from a qualified Prudential Financial Representative for a financial analysis before purchasing an insurance policy suitable to meet your needs.

As this product has no savings or investment feature, there is no cash value if the policy ends or if the policy is terminated prematurely. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs.

Premiums are not guaranteed and may be adjusted based on future claims experience.

The information on this website is for reference only and is not a contract of insurance. Please refer to the exact terms and conditions, specific details and exclusions applicable to this insurance product in the policy documents that can be obtained from your Prudential Financial Representative.

The information contained on this website is intended to be valid in Singapore only and shall not be construed as an offer to sell or solicitation to buy or provision of any insurance product outside Singapore.

In case of a discrepancy between the English and Mandarin versions, the English version shall prevail.

This policy is protected under the Policy Owners’ Protection Scheme, which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic, and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact your insurer or visit the GIA/LIA or SDIC web-sites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).

In the event that the policy is not suitable, the client may cancel the policy by making a written request to Prudential within the 14-day free look period. Prudential will refund any premiums paid, less medical fees, other expenses incurred and any outstanding amounts owed in connection with the policy.

Information is correct as of 7 January 2025.

This advertisement has not been reviewed by the Monetary Authority of Singapore.

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