• Prudential Insurance

    Explore all the insurance plans offered by Prudential Singapore

    Life is very uncertain and even if you plan your life in a disciplined manner you are bound to come across situations that will create a lot of financial burdens for you. The money that you have saved or your monthly income may not be sufficient to deal with such situations. Thus, it is important that you take the help of insurance policies that can offer you with protection against uncertain events in life. In order to reap the maximum benefits of insurance, you should opt for the ideal insurance policies such as the ones provided by Prudential Singapore. The insurance policies from Prudential can help you in dealing with a range of financial uncertainties.

    Overview of Prudential Insurance Group

    Prudential plc is one of the top insurance companies in the world and is based in the United Kingdom. The company was established in 1848 and has a presence in countries around the world. In Singapore, the company has been active for more than 80 years and has a very good reputation as a provider of insurance products in the country. In fact, Standard & Poor’s awarded an AA rating to the company for its excellent quality of service. The insurance products offered by Prudential Singapore can cater to the needs of all kinds of customers and they also come with a ton of beneficial features.

    Types of Insurance Offered by Prudential

    Prudential Singapore is an insurance company with a difference as it offers innovative insurance products across various segments. It is very popular with Singaporeans due to the fact that the insurance products it offers are adorned with numerous beneficial features and also offer the insured individuals with a lot of flexibility when it comes to choosing the tenure of the policies. The wide range of insurance products offered by Prudential are as follows:

    1. Prudential Term Insurance – The term insurance policies from Prudential will offer you with extensive coverage and a variety of features that are very beneficial. You can choose from a range of term insurance policies based on your specific needs. If you want coverage against terminal illness, you can opt for the term insurance policy from Prudential called PRUterm Ascend. By opting for this policy, you can be assured that your loved ones will get the support they need, in case something unfortunate happens to you. If you are the owner of a business, you can opt for the corporate insurance policies offered by Prudential. Moreover, if you would like to make your premium payments in US Dollars you can opt for the PRUTerm Vantage policy.
    2. The different term insurance policies offered by Prudential are as follows:

      • Max Protection Multiplier
      • PRUterm Ascend
      • PRUterm Total Refund
      • PRUtermplus Advantage
      • PRUflexicash Protection Plus
      • PRUTerm Vantage (SGD or USD)
      • PRUDecreasing Term Vantage
    3. Prudential Life Insurance – You work very hard to secure yours and your family’s future. In fact, you also save money so that your loved ones do not have to face difficult times in your absence. However, savings alone may not be enough to take care of their financial needs in your absence and so you can opt for a comprehensive life insurance policy to provide your family with the maximum protection possible. The life insurance policies from Prudential have been designed to offer your family with the required financial protection in case you are faced with total/ permanent disability, terminal illness or death. As the company offers a variety of life insurance policies, you will not have any difficulty finding a policy that will be best suited to your needs.
    4. Prudential offers the following life insurance policies in Singapore:

      • PRUlife
      • PRUlink protection plus account
      • PRUlife Limited Pay
      • PRUlife multiplier
      • PRUlink heritage account

      The following add-on covers are also available with life insurance policies offered by Prudential:

      • Crises Cover III
      • Early stage Crisis Waiver
      • Payer Security III
      • Early stage Crisis Waiver
      • Early Crisis Cover Provider and Crisis Cover Provider III
      • Enhanced Accumulator Option (EAO)
      • Comprehensive Personal Accident III
      • Early Crisis Cover Limited Pay
      • Early Crisis Cover Multiplier
      • Top-up premium
    5. Prudential Mortgage Insurance - If you want to make sure that your mortgage payments are always paid on time and that the mortgage amount is paid in full in case something were to happen to you, you should opt for a mortgage insurance policy from Prudential. You will have the option of either applying for the policy individually or jointly with your spouse. These policies will also offer you with flexible terms of 10 to 35 years. You should be aged minimum 20 years but not more than 60 years to apply for the mortgage insurance policies offered by this insurance company in Singapore.
    6. The two mortgage insurance policies provided by Prudential in Singapore are listed below.

      • PRUmortgage
      • PRUmortgage Refund Premier
    7. Prudential Health Insurance – The rising cost of medical treatment can be a cause of concern for you if you do not opt for the right health insurance plan. A health insurance plan policy offered by Prudential can be the ideal choice if you are looking for a policy that offers extensive coverage. Apart from offering you with financial assistance to meet your medical expenses, these policies will also offer you with access to a medical helpline. Through this helpline, you can get answers to your medical queries and make sure that you and your loved ones can avail the best healthcare services possible.
    8. The different health insurance policies offered by Prudential are listed below.

      • PRUshield
      • PRUshield Extra
      • PRUshield extra lite
      • Medical Cash
      • PRUfirst gift
      • PRUsmart lady II
    9. Prudential Accident Insurance – Accidents are not predictable and regardless of how careful you can never avoid the possibility of meeting with an accident. An accident insurance policy from Prudential will help you to deal with the financial burdens associated with an accident. These policies will provide you with protection against the minor/ major injuries that you might sustain after meeting with an accident. You can get a payout to pay for the cost of treatment in case you sustain burns, fractures or dislocations. If you are someone who leads an adventurous life, you will benefit from these policies as they can even provide you with protection against accidents sustained during adventurous activities like rock climbing, scuba diving, wakeboarding etc.
    10. The various accident insurance policies offered by Prudential are as follows:

      • PRUfracture care
      • Comprehensive Personal Accident III
      • PRUaccident cover III
    11. Group Insurance – Prudential does not just offer insurance policies to individual customers. In fact, the company also provides group insurance policies that are designed for commercial establishments. If you are the owner of a business, you provide your employees with life or health insurance policies from prudential to appreciate their contribution towards your organization. These policies will protect the health and wellness of your employees and they will also get the required financial assistance to take care of their medical expenses. With the group life term insurance policies from Prudential, you can help your employees in ensuring that their families are taken care of if something unfortunate happens to them.
    12. The different group insurance policies offered by Prudential are as follows:

      • Group Hospital and Surgical
      • Group Term Life
      • PruTreasures

    Prudential Insurance Promotions and Offers

    If you are a PRUprestige customer you will get a discount of 10% on the first premium, if you opt for any of the following insurance policies:

    • PRUaccident cover
    • PRUcrisis cover vantage
    • PRUearly stage crisis cover
    • PRUearly stage disability
    • PRUfracture care
    • PRUlife
    • PRUlife limited pay
    • PRUlife multiplier
    • PRUlink protection plus account
    • PRUmortgage
    • PRUmultiple crisis cover
    • PRUterm ascend
    • PRUterm total refund
    • PRUterm vantage (SGD or USD)
    • PRUtermplus advantage

    These privileges will also be extended to your immediate family members.

    Prudential offers a variety of periodic promotions from time to time and they can help you save money on insurance premiums and also offer you with access to a variety of lucrative deals. Keep visiting this page regularly to know about these promotions.

    Prudential Insurance - Frequently Asked Questions (FAQs)

    1. What is the amount of fixed benefit offered by the PRUaccident cover III policy?
    2. This accident insurance policy offers fixed benefit of $3,000 to the family of the policyholder in the event of his/her death, regardless of the cause of death.

    3. Can you please provide information about the benefits offered with the supplementary cover of Early Stage Crisis Waiver?
    4. It is a very useful add-on cover available with term, life and health insurance plans from that waives off premium payments of the policy for a given period of time, if the policyholder is diagnosed with a medical condition in its early/ intermediate stage and allows them to concentrate on getting proper treatment.

    5. What is the minimum sum assured offered with the PRUTerm Vantage policy?
    6. The PRUTerm Vantage is a term insurance policy which offers minimum sum assured of $500,000.

    7. What are the terms of payment available with the PRUlife Limited Pay policy?
    8. The PRUlife Limited Pay policy comes with flexible payment terms of 10, 15 and 25 years.

    9. How are the benefits paid in case of a joint policy?
    10. For joint policies, the benefits are paid when either of the two policyholders is permanently and completely disabled, terminally ill, or dead. However, if both the policyholders are permanently and completely disabled, terminally ill, or dead, the benefits are paid only for the first named policyholder.

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