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Accidental Death and Dismemberment Rider
Increasing benefit and expanding insurance coverage!
Accidental death and dismemberment (ADD) will bring the customers broader coverage and higher benefit to protect against risks caused by accident.
Benefit
- The case that Life Assured is disabled due to accident
In case the Life Assured (LA) is disabled due to an accident, the policyholder will be paid a percentage of the Sum Assured (SA) equivalent to a dismemberment ratio. The maximum compensation is up to 100% of SA for this rider.
If LA is disabled due to an accident, Prudential shall pay as the following chart:
|
Dismemberment status
|
The paid percentage of SA
|
|
Both arms
|
100%
|
|
Both legs
|
100%
|
|
Eyesight of both eyes
|
100%
|
|
One arm and one leg
|
100%
|
|
One arm (or one leg) and one eye
|
100%
|
|
One arm
|
50%
|
|
One leg
|
50%
|
|
Eyesight of one eye
|
50%
|
|
Both ears hearing
|
50%
|
|
Both thumbs
|
25%
|
|
One ear hearing
|
10%
|
- The case that Life Assured is third degree burns to 20% of the body surface area due to an accident
The customer will be paid 100% of the SA for this supplementary product in case the LA is third degree burns to 20% of body surface area due to an accident (*).
- The case that Life Assured dies due to an accident
In case the LA dies for accident while the policy is still in force. The beneficiary will receive full SA of this rider, within 180 days from the date of accident. (*)
This SA will be doubled if the LA dies for accident while traveling by public transportation such as a bus or a train.
This SA will be tripled if the LA dies due to accident while traveling on the passenger plane.
(*) In case the benefit of dismemberment for accident is paid previously, the paid amount will be the balance remaining on this supplementary product.
The Accidental Death and Dismemberment
The solution for a peaceful life to you and your family!
Benefit Illustration
Mr. A, 30 years old purchased Pru Cash Double (Phu-An Gia Tich Luy Dinh Ky) with the Sum Assured (SA) of VND 100 million, policy term of 18 years and attached Accidental death and dismemberment supplementary product (ADD) with the same SA and policy term. Mr. A’s purchasing insurance illustration summary as the following:
The age of expiry of Pru Cash Double and ADD is 48 years old
The policy term of Pru Cash Double is 18 years
The premium term of ADD is 18 years
- Death benefit illustration
If Life Assured (LA) dies in a train accident at the age of 35, Prudential will pay benefit of Pru Cash Double including VND 100 mil and Reversionary Bonus (RB) at the time of LA’s death of and VND 200 mil of ADD (Double benefit due to train accident).
- Death and Dismemberment benefit illustration
- If the LA loses hearing in one ear at the age of 32, Prudential will pay VND 10mil (equivalent 10% of SA) of ADD
- Then the LA dies in train accident at the age of 35, Prudential will pay benefit of Pru Cash Double including VND 100mil + RB at the time of LA’s death and VND 180mil of ADD (double remaining SA of ADD after deducting the reimbursement due to train accident).
Criterion requirements
Criterion requirements
|
One of the purchased main products |
New Universal Life (Phu-Toan Gia An Phuc) |
|
Whole life (Phu-Truong An) |
|
|
Prulink (Phu-Bao Gia Dau Tu) |
|
|
Enhanced Pru Save (Phu-An Khang Huu Tri) |
|
|
Pru Triple Education (Phu-An Gia Thanh Tai) |
|
|
Age of entry |
6 – 60 years old |
|
Max age of expiry |
65 years old |
Product Information
Accidental Death and Dismemberment Rider Document:
Note: Please refer to Terms and Conditions to learn more detail.
