Life Insurance Solutions
PRU-SAFE
Great start for future peace of mind

Cover against 72 cancer and critical illnesses up to 200% sum assured

Death benefit up to 300% sum assured

Cash benefit up to 30% sum assured at age 65

 

Waive of premium upon 1st claim of late-stage cancer/critical illnesses benefit

 

Brochure

Term and Condition

Bảng minh hoạ quyền lợi sản phẩm

Product Features

Cash Benefit

30% sum assured at policy anniversary date right after life assured reaches age 65

Maturity Benefit

Up to 200% sum assured + Reversionary Bonuses and Terminal bonus (if any) - benefits paid

Death Benefit

Up to 300% sum assured + Reversionary Bonuses and Terminal bonus (if any) - benefits paid

Critical Illness Benefit

 

Multiple pay for Critical Illness: up to 200% sum assured + Reversionary Bonuses and Terminal bonus (if any)

  • 1st Early Stage Critical Illness benefit: 30% sum assured
  • 2nd Early Stage Critical illness benefit: 30% sum assured
  • 1st Late Stage Critical Illness benefit: up to 100% sum assured
  • 2nd Late Stage Critical illness benefit: 200% sum assured + bonuses - benefits paid

 

Entry Age

15 – 60 years old

Maximum expired age

75 years old

Policy term

Until age 75

Premium term

  • Entry age from 15-50 years old: 15 years;
  • Entry age from 51 – 60 years old: 65 – entry age

Customer’s need

Cover against multiple critical illnesses

 

All features and insurance benefits presented herein are summarized for reference only. All features and conditions thereof shall be carried out in accordance with the Terms and Conditions as approved by the Ministry of Finance. Please study the Terms & Conditions carefully to understand the product’s benefits, features and charges

Exclusion for Death benefit

Prudential will not pay any benefit if death of Life Assured is the results of any of the following:

  • Suicide of self-inflicted injury whether sane or insane, within two (2) years after Policy Effective Date or the effective date of any reinstatement of Insurance Policy, whichever is later; or
  • Due to an intentional act of Policyholder, Beneficiary against Life Assured; or
  • Any Human Immunodeficiency Virus (HIV) and/or any HIV-related illnesses including Acquired Immune Deficiency Syndrome (AIDS) and/or any mutations, derivation or variations thereof (except for case of Occupationally Acquired HIV defined in the Appendix of these Terms and Conditions) ; or
  • Deaths due to the execution of the death sentence.

Exclusion for Critical illness benefit

Prudential shall not pay any benefit as stated in Article 8.1 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 (except that the Critical Illness is a result of an Accident and Life Assured is diagnosed of suffering from Critical Illness within 90 days from the date of Accident).

Other exclusions:

Prudential shall not pay any benefits if illness of Life Assured is the direct results of:

  • Suicide of self-inflicted injury whether sane or insane, within 2 years after Policy Effective Date or the latest reinstatement date of policy, whichever is later; or
  • Any Human Immunodeficiency Virus (HIV) and/or any HIV-related illnesses including Acquired Immune Deficiency Syndrome (AIDS) and/or any mutations, derivation or variations thereof except for case of Occupationally Acquired HIV stated and HIV Infection Due to Blood Transfusion in Appendix ; or
  • Under the impact of the use of narcotics, psychotropic drugs, alcohol, poisons, gas or similar substances, or drugs, unless the substance is used as a drug prescription issued by a Doctor and this influence is the cause of Accident; or
  • Participate in flying aircrafts or any aviation activities except for as a fare-paying passenger of scheduled and licensed commercial aircrafts; or
  • War whether declared or not, insurrection, rebellion, or mutiny; or
  • Engage or take part in dangerous activities of Life Assured such as scuba diving, bungee jumping, mountain climbing, racing of any kind, hang gliding, ballooning, parachuting and sky diving; or
  • Any event giving rise to a claim on an insured caused directly or indirectly by the intentional act of Policyholder, Life Assured and/or anyone who  is entitled to the benefit payable.

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