Life Insurance Solutions
PRU-EDUSAVER

Education fund for kids up to 175% sum assured 

Excellent Graduation Award up to 25% sum assured

Cover against late-stage critical illness/ Total and permanent disability/ Death

 

Accidental death benefit up to 300% sum assured

Free term life rider as enhanced insurance benefit

Policy Issuance Option without underwriting

 

Brochure

Term and Condition

Bảng minh hoạ quyền lợi sản phẩm

Product Features

Cash Benefit
  • Education benefit: 175% Sum Assured + Reversionary bonus and Terminal bonus.
  • Excellent Graduation Award: 25% Sum Assured if the nominated biological child/grandchild graduates from University with First Class or equivalents.
TPD Benefit
  • 100% sum assured
  • Remaining premium is not required, however, education benefit is guaranteed as planned and opportunity for Excellent Graduation Award.
Death Benefit

100% Sum Assured

In case Life Assured dies due to accident, Prudential pays additional:

  • 100% Sum Assured if Life Assured has no biological child; or
  • 100% Sum Assured x numbers of biological chilren of Life Assured, not exceeding to 300% Sum Assured and 3 billion dong per life.

Remaining premium is not required, however, education benefit is guaranteed as planned and opportunity for Excellent Graduation Award.

Other Benefits
  • Child level term rider benefit
  • Policy issuance option without underwriting
Critical Illness Benefit
  • Terminal illness: 100% Sum Assured
  • Remaining premium is not required, however, education benefit is guaranteed as planned and opportunity for Excellent Graduation Award.

Entry Age

18 – 60 years old

Policy term

12 – 22 years

Premium term

Policy term deduct 4 years

Customer’s need

Build up financial plan for education of your kid

 

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

  1. Suicide, whether in a normal mental state or insane, within a period of 2 years from the effective date of the policy or the date of the latest reissued date, whichever is later; or
  2. Due to intentional actions of the Policyholder, the Beneficiary against the Insured; or
  3. HIV infection; Acquired Immune Deficiency Syndrome (AIDS) and/or AIDS-related illnesses except for HIV infection while on duty at work as a medical or police officer; or
  4. Death due to execution of death sentence.

Exclusion for Accidental death benefit

  1. Belongs to one of cases stipulated in section 14.2; or
  2. Wars (declared or not), hostilities, rebellion, civil commotion or riot; or
  3. 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
  4. Suicide or harming himself/herself by the Life Assured whether sane or insane; or
  5. Intentional acts committed by the Life Assured, the Policyholder, and/or the person who receives the insurance benefits, unless in attempt to save human lives; or
  6. Participating in dangerous activities by the Life Assured such as scuba diving; bungee jumping, mountain climbing, racing of any kind, hang gliding, ballooning, parachuting or sky diving; or
  7. Participating in professional sport activities; or
  8. Participating in flying aircrafts or any aviation activities except for as a fare-paying passenger of licensed and scheduled commercial aircrafts.

Exclusion for TPD benefit

If TPD of Life Assured is the results of the following:

  • Occurred prior to the policy effective date or the latest reinstatement date, whichever is later; or
  • Be the results of:
  • Attempting suicide or suicide of self-inflicted injury whether sane or insane; or
  • Intentional acts of Life Assured, Policyholder, and/or the person who receives the insurance benefits, or
  • Participate in flying aircrafts or any aviation activities except for as a fare-paying passenger of scheduled and licensed commercial aircrafts. 

Exclusion for Critical illness benefit

If the symptoms of the Terminal Illness:

  • Be the result of:
  • Attempting suicide or self-inflicted injury of the Life Assured whether sane or insane; or
  • Misuse of drugs, addictive (except the use of drugs based on the prescription issued by a registered doctor).
    • Happen on the patient of HIV, Acquired Immune Deficiency Syndrome (AIDS).

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