Life Insurance Solutions
PRU-SAFE PLUS

Covered up to 250% SA for 99 different conditions of critical illness.

Comprehensive protection against 03 most common conditions of critical illness: Cancer, stroke and heart attack.

 

Balance and proactively develop financial plans for many other needs

 

Brochure

Term and Condition

Product Features

TPD Benefit

The maximum between:          

  • 100% sum assured; and
  • Target Premium account value at the insurance event

Plus, Excess Premium account value

Death Benefit

The maximum between:          

  • 100% sum assured; and
  • Target Premium account value at the insurance event

Plus, Excess Premium account value

Other Benefits

Universal Life crediting rate (UL interest)

Policy account value will be credited the monthly interest from Universal Life Fund which is declared by Prudential, and the interest is not lower than guaranteed interest.

Loyalty bonus

100% of annualized Target Premium on 10th policy anniversary date.

75% of annualized Target Premium on 15th policy anniversary date and every 5 years thereafter

Retention bonus

4% of average preceding 60-month Policy Account value starting from 20th anniversary date and every 5 years thereafter.

Guaranteed Insurability Option

During the whole policy term, PO has the right to increase SA after inception without UW within 90 days from the date of following events:

  • LA’s marriage;
  • LA’s having a baby or adopting a child; or
  • LA’s child joining school including primary school, secondary school, or high school, or university.

SA is increased at most twice for whole policy term and the increase amount will be capped at Min (VND 500 mil; 50% of the initial SA) each time. The TP is also increased accordingly.

Restriction: GIO is only applicable before the policy anniversary date right after 60th birthday of the Life Assured.

Maturity benefit

100% Policy Account Value

Critical Illness Benefit

Early stage CI

50% Sum assured

Late stage CI

  • 1st late stage CI: 100% Sum Assured (less the amount previously paid for an Early Stage CI of the same CI condition, if any)
  • 2st late stage CI: 200% Sum Assured (less the total CI benefits have been paid, if any)

Top 3 CIs, late-stage (Cancer, stroke and heart attack)

Additional 50% Sum Assured

Entry Age 18 - 65 years old
Max maturity age

99 years old (For the CI benefits: 75 years old)

Policy term 99 minus issued age
Premium term Equal policy term
Needs Protects against critical illness risk

Prudential will not pay insurance benefits if the insurance event occurs due to or related to one of the following causes:

Death claim:

  1. Suicide whether sane or insane, within 24 months from Policy Effective Date or the latest Reinstatement date, whichever is later; or
  2. HIV infection, Acquired Immune Deficiency Syndrome (AIDS) and/ or AIDS related diseases; except the case HIV or AIDS acquired when performing work duty as a medical staff or police officer
  3. Executed the death sentence; or
  4. Intentional acts of Life Assured, Policyholder, and/ or the person who receives the benefit.

TPD claim:

  1. Occurs prior to Policy Effective Date, or prior to the latest reinstatement date, whichever is later; or
  2. Be the result of attempting suicide caused TPD or self-inflicted injury of Life Assured whether sane or insane; or
  3. Participate in flying aircrafts or any aviation activities except for as a fare-paying passenger of scheduled and licensed commercial aircrafts; or
  4. Be the result of intentional acts of Life Assured, Policyholder, and/or the person who receives the insurance benefits.

Critical Illness claim: 

Prudential shall not pay any CI benefit if signs or symptoms of illness exist:

  • Prior to Policy Effective Date or the latest Reinstatement Date, whichever is later; or
  • Within 90 days following Policy Effective Date or the latest Reinstatement Date, whichever is later, whether the Critical Illness is diagnosed or not.

All information presented herein are of summarized nature and for reference only. All conditions thereof shall be carried out in accordance with the terms and conditions as approved by the Ministry of Finance. 

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