Critical Illness | Comparison Table

Compare among 5
Critical Illness Plans

PRUActive Protect
PRUCancer 360
PRUEarly Stage Crisis Cover
PRUMan
PRULady
Critical illnesses coverage
Cancer coverage
Death coverage
Total Permanent Disability coverage
Other benefits
Continued coverage after claim
Premium waiver upon claim
Medical underwriting needed
Policy term
Critical illnesses coverage
Yes, advanced stage conditions1, with option to add pre-critical coverage
Cancer coverage
Yes
Death coverage
Yes2
Total Permanent Disability coverage
No
Other benefits
  • Crisis care accelerator benefit
  • Child cover benefit
  • Spouse waiver benefit
  • Additional benefit
  • Convertibility option
Continued coverage after claim
Yes, optional with Protect Plus3 or Early Protect Plus4
Premium waiver upon claim
No
Medical underwriting needed
Yes
Policy term

Min: 10 years
Max: Up to Age 100

Yes, cancer only
Yes
Yes5
No
N.A
No
No
Yes, only 1 health question asked

5 years renewable term, with coverage up to age 1006

Yes, advanced and pre-critical conditions1
Yes
Yes7
No
Special benefit
Yes
Yes, future premiums waived after the first claim is made under the 50% Severity Payout
Yes

Min: 10 years
Max: Up to Age 85

Yes, illnesses which affect men only1
Yes
No
No
  • Biennial medical screening
  • Medical procedures benefit
  • Reconstructive surgery or skin grafting benefit
  • Support benefit
  • Loyalty benefit
Yes
Yes, for 36 months upon claim of at least 50% of sum assured
Yes

Up to before the policy anniversary preceding 65 or 75 years old

Yes, illnesses which affect women only1
Yes
No
No
  • Biennial medical screening
  • Optional maternity coverage add-on8
  • Medical procedures benefit
  • Reconstructive surgery or skin grafting benefit
  • Support benefit
  • Loyalty benefit
Yes
Yes, for 36 months upon claim of at least 50% of sum assured
Yes

Up to before the policy anniversary preceding 65 or 75 years old

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Footnotes

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

There are certain conditions such as pre-existing conditions, whereby no benefits will be payable. These are stated as exclusions in the contract. Please refer to the relevant policy contract for details. Waiting period and survival period are applicable before the critical illness benefits will be payable. Please refer to the relevant policy contract for details.

1Refer to Product Summary for full list of critical illnesses

2Upon death of the life assured, we pay 20% of the PRUActive Protect sum assured.

3Coverage restores to 100% after each critical illness claim, allowing you to make multiple claims of up to 500% of the PRUActive Protect sum assured. This 500% of the sum assured includes claims for any pre-critical stage critical illness claim under the Early Protect benefit (if this benefit is included). For the critical illness coverage to restore to 100%, the waiting period between claims for critical illnesses of different categories and same category is 12 months and 24 months respectively.

4Coverage restores to 100% after each pre-critical stage critical illness claim, allowing you to make multiple claims of up to 500% of the Early Protect sum assured. This 500% includes claims for any of the critical illnesses under the PRUActive Protect policy. For the pre-critical stage critical illness coverage to restore to 100%, the waiting period between claims for pre-critical stage critical illnesses of different category and same category is 12 months and 24 months respectively.

5Upon death of the life assured, we pay $5,000.

6Maximum renewal age is 95.

7Upon death of the life assured, we pay $3,000.

8For Maternity Cover Plus, each covered pregnancy complication and congenital illness shall be payable only once. The total sum assured payable for each benefit is up to 100% of sum assured for the type of plan.