Mortgage | Comparison Table

Compare between 2
Mortgage Plans

PRUMortgage
PRUMortgage Refund Premier
Coverage term
Payment term
Premium refund
Death coverage
Terminal Illness coverage
Total Permanent Disability coverage
Critical illnesses coverage
Partner coverage
Coverage term
10 – 35 years
Payment term
Regular premium (monthly, quarterly, half-yearly or yearly). No premiums needed for last 3 years of coverage.
Premium refund
No
Death coverage
Yes
Terminal Illness coverage
Yes
Total Permanent Disability coverage
Optional add-on2
Critical illnesses coverage
Optional add-ons:

Early Stage Crisis Cover
  • Premium waiver for 5 years upon diagnosis of early-stage medical conditions3 and allows a claim for a second time4
  • Premium waiver for 10 years5 upon the diagnosis of intermediate-stage medical conditions

Crisis Waiver III
  • Premium waiver upon diagnosis of any one of the 35 critical illness
Partner coverage
Yes
10 – 35 years1
Single premium
Yes, 100%, assuming no claim is made by the end of the policy term.
Yes
Yes
Yes6
No
Yes

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Footnotes

Please refer to the Product Summary and Policy Document for details of the terms and conditions.

1Terms available from 10 to 35 years or up to age 80 next birthday, whichever is earlier.

2Accelerated Disability Benefit is a benefit that provides financial protection against Total and Permanent Disability before the Policy Anniversary before the life assured attains age 70 years. This benefit can only be added at inception of the policy.

3After the end of the early-stage premium waiver period, premium payment for the covered benefits will resume, but the premiums for the early-stage crisis waiver will continue to be waived.

4The second claim will waive the premium for another 5 years. This is provided the second claim is not for the same medical condition as the first claim, and it does not fall within the same category of the first early stage medical condition.

5If there was a successful claim under early-stage medical conditions, the intermediate-stage medical conditions benefit only waives 5 years of future premiums.

6The policy provides coverage against total and permanent disability (“TPD”), provided the disability occurs before the cover expiry date of the policy, or before the policy anniversary prior to the life assured attaining age 65 next birthday, whichever is earlier.