PRUActive Term

¹

Incremental Sum Assured benefit is only applicable to the Death Benefit and starts from the 2nd Policy Year onwards. The sum assured for Death Benefit will automatically increase every year at the rate that was chosen. The premium will also increase annually with each Incremental Sum Assured based on the attained age of the Life Assured.

²

You may choose to enhance your protection by adding critical illness and premium waiver supplementary benefits to your PRUActive Term plan.

³

PRUActive Term provides coverage against death, terminal illness and total and permanent disability during the policy term. The life assured can only claim either death, terminal illness or total and permanent disability and not all. The total and permanent disability benefit ends on the policy anniversary before the life assured attains age 70.

⁴

Based on age at next birthday.

⁵

The premium for Crisis Care III (PRUActive Term) is not guaranteed during the premium payment period.

⁶

Choice of premium payment term from 10 to 82 years. Choice of benefit duration from 10 to 82 years. Customers can customise Crisis Care III (PAT)’s policy term and premium term. The premium term of Crisis Care III (PAT) can be longer or shorter than PAT’s premium term. However, Crisis Care III (PAT)'s premium term and policy term cannot be longer than PAT’s policy term.

⁷

Please refer to the policy documents for the exact terms and conditions and specific details applicable to this benefit.

⁸

Special Benefit is only payable it the coverage has not been terminated or fully claimed.

⁹

Upon approval of a claim under the 50% Severity Payout benefit, all future premium payments for the Early Stage Crisis Cover Benefit will be waived from the next premium due date following the date of diagnosis of the medical condition. Coverage will continue until the benefit terminates.

¹⁰

After 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.

¹¹

The 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.

¹²

If there was a successful claim under Early Stage Medical Conditions, the Intermediate Stage Medical Conditions Benefit only waives 5 years of future premiums.

¹³

After 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.

¹⁴

The Minimum Sum Assured refers to the coverage amount for the basic plan only, excluding the sum assured for the supplementary benefit(s), if any.