Like seeing things clearly …or sitting and rising from a chair …or removing pills from a pack
…or walking on a level surface for 200m
…or carrying weights of 2kg …or even speaking and hearing clearly
Early Stage Disability
We understand
you want reassurance when
simple things in life get tough
PROTECT
Sometimes unexpected twists in life may affect your ability to perform some of the simplest tasks, such as walking, seeing clearly, sitting and rising from a chair, communicating, lifting and carrying and removing tablets from a pack.
Early Stage Disability is Singapore’s first and only insurance plan that covers you against partial and temporary disablement as a result of an illness or injury based on your ability to carry out daily tasks affecting your quality of life. These tasks are Quality of Life Conditions (QLC) which can potentially have a major impact on your lifestyle — and probably your finances. Early Stage Disability offers payout if one satisfies at least 2 of the 6 Quality of Life Conditions (QLC) which will affect your quality of life1.
This plan provides comprehensive coverage with Partial or Full Payout2 on early disabilities. It also covers you for Total and Permanent Disability2 and for disabilities as a result of selected hazardous activities under the Special Risk benefit2. Upon the first claim made under Partial Payout2, the future premiums will be waived so you can concentrate on recovery. For PRUearly stage disability (standalone plan)3, a benefit of
$3,000 is payable in the event of death.
Early Stage Disability offers early assistance that allows you to focus on recovery. The policy may help you:
• supplement potential loss of income and extra expenses incurred to adapt to partial and temporary disability and cope with the change in lifestyle
• offset some ongoing treatment and nursing expenses brought on by the disability
• provide some relief on your financial commitments
• reduce your family’s financial burden Partial Payout2 of 50% of sum assured4
When a twist of fate results in one satisfying 2 out of 6 Quality of Life Conditions1 (QLC) — Walking, Fine Hand Control, Sitting and Rising from a chair, Lifting and Carrying, Communicating and Eyesight — you will find comfort in a lump sum payment.
Definitions of Quality of Life Conditions (QLC): Walking The inability to walk more
than 200m on a level surface continuously with or without aids and adaptations, within 5 minutes, because of breathlessness or severe pain.
Fine Hand
Control The inability to remove 5 paracetamol pills from a blister pack within 60 seconds, using your hand(s) with or without aids and adaptations.
Sitting and Rising from chair
The inability to sit and rise to a standing position from a wheelchair or chair (both with arms) of 40cm to 45cm in height without the help of another person.
Lifting and Carrying
The inability to lift (from a bench height of 1m) and carry a 2kg weight for 10m and then placing it back down at bench height, with or without aids and adaptations.
Communicating5 As a result of an illness or injury, the inability to hear sounds of below 60 decibels in all frequencies of hearing or the inability to speak with sufficient clarity.
Eyesight6 When tested with visual aids, vision is measured at 6/60 or worse in one of the eyes using a Snellen eye chart.
Remaining 50% of sum assured4
If the condition deteriorates, such that a third Quality of Life Conditions1 (QLC) becomes a difficulty, the balance of the 50% sum assured4 will be paid, so you can concentrate on getting back to your life.
Waiver of premiums after the first Partial Payout2 Upon the first lump sum payout of 50% of sum assured4, future premiums on Early Stage Disability will be waived so you can enjoy the reassurance of continued disability coverage. 100% payout2 should Total and Permanent Disability happen7
Upon Total and Permanent Disability, be rest assured that you are well covered with a 100% payout2 to help you to cope7. Cover for hazardous activities under Special Risk benefit8 If disability results from selected covered risks such as scuba diving, rock climbing, sky diving, or while serving National Service8 and you satisfy any of the 3 out of 6 Quality of Life Conditions1 you’ll receive an 20% payout2 of the sum assured subject to a maximum of $20,000.
Available till age 70 next birthday9
Early Stage Disability is one of the few plans available in the market to provide longer disability protection till age 70 next birthday, ensuring you stay protected for the longer term. Available as a standalone plan (PRUearly stage disability)3 or a supplementary benefit (Early Stage Disability) to your Prudential insurance plan
You can choose to purchase Early Stage Disability either as a standalone3 plan with death benefit or as a supplementary benefit. As a supplementary benefit, Early Stage Disability can be attached to any regular premium Prudential main plan.
Also available as a supplementary benefit for children below the age of 15
The peace of mind of Early Stage Disability is not just for adults
— you can even add this on as a supplementary benefit to protect children below the age of 15.
Affordable Premiums10 at a glance
Early Stage Disability available as a supplementary benefit (Based on Sum Assured of $50,000)
Life Assured,
Occupation Class 1 Coverage Term Per DayPremium 11 Male non-smoker,
age 30 next birthday 40 $0.60
Female non-smoker,
age 30 next birthday 40 $0.70
Male non-smoker,
age 40 next birthday 30 $1.00
Female non-smoker,
age 40 next birthday 30 $1.30
For more information about Early Stage Disability Call your Prudential Financial Consultant or our
PruCustomer Line at 1800 333 0 333. www.prudential.com.sg
Footnotes:
1 If the life assured is more than 15 years old as at the date of his disability and, as a result of illness or injury, satisfies any 2 or 3 of the Quality of Life Conditions under the covered benefits. We will honour the claim provided that any 2 or 3 of the Quality of Life Conditions are certified to be existing conditions suffered by the life assured at least 90 days after the confirmed diagnosis of the illness or injury directly leading up to the development of the relevant Quality of Life Conditions.
If the life assured is between 28 days and 15 years old at date of disability, and is disabled as a result of illness or injury and is confined to a home, Hospital or other institutions requiring constant care and medical attention for the relevant stipulated period required under the covered benefits. Therefore, the Quality of Life Conditions will not be used.
2 Each benefit is subject to a “Deferment Period” prior to a claim being paid out. “Deferment Period” varies accordingly to each benefit and is defined as the period between the confirmed diagnosis of illness or injury and the date of disability. Please refer to the product summary for details.
3 PRUearly stage disability is not available for sale to non-income earners such as housewives, home-maker, students and children. 4 In the case of a claim is made on a life assured below age 1 year,
the claim payable would be 20% of the claimable sum assured under each disability benefit.
5 A claim under this section must be supported by evidence such as audiometric and sound threshold tests and that the condition has been investigated and is being managed by an Ear, Nose, Throat (ENT) specialist or a specialist in the relevant field.
6 A claim under this section must be supported by evidence that the condition has been investigated and is being managed by an ophthalmologist.
7 The total claims paid under the Partial Payout benefit, Full Payout benefit, Total and Permanent Disability benefit and Special Risk benefit shall not exceed the Early Stage Disability Benefit sum assured.
8 Please refer to the product summary for the full list of covered risks and activities. Special Risk benefit pays out 20% of the sum assured subject to a maximum claim of $20,000, is payable only if the Early Stage Disability Benefit has not terminated and the total payout has not exceeded the sum assured.
9 For new policies, the minimum policy term is 5 years (for 5 year limited pay policies) or 10 years (for other policies). For Mid Term Add to existing policies, the minimum policy term is 6 years. 10 Premium rates (non guaranteed) will differ for standalone plans
and will vary based on different occupational class, gender, age at entry and smoker status.
11 Premium per day is based on annual premium divided by 365 days and rounded up to the nearest ten cents.
• Male non smoker, age 30 at next birthday is $203.00 per annum, for a coverage term of 40 years
• Female non-smoker, age 30 at next birthday is $239.50 per annum, for a coverage term of 40 years
• Male non smoker, age 40 at next birthday is $356.50 per annum , for a coverage term of 30 years
• Female non-smoker, age 40 at next birthday is $446.50 per annum, for a coverage term of 30 years
Note:
Buying life insurance is a long-term commitment. An early termination of the policy usually involves high costs and the surrender value payable may be less than the total premiums paid.
Buying health insurance that is not suitable for you may impact your ability to finance your future healthcare needs. You should seek advice from a qualified Prudential Financial Consultant if in doubt.
Premiums are not guaranteed and may be adjusted based on future claims experience. The company reserves the right to vary the premiums at any time by giving 30 days’ notice to the policyowner before doing so.
This brochure is for reference only and is not a contract of insurance. Please refer to the exact terms and conditions, specific details and exclusions applicable to this insurance in the policy document that can be obtained from a Prudential Financial Consultant.
This brochure is for distribution in Singapore only and shall not be construed as an offer to sell or solicitation to buy or provision of any insurance product outside Singapore. In case of discrepancy between the English and Mandarin versions of this brochure, the English version shall prevail.
Information correct as at 27 May 2016.
PROTECT
Prudential Assurance Company Singapore (Pte) Limited. (Reg. No. 199002477Z)
30 Cecil Street #30-01 Prudential Tower Singapore 049712
Tel: 1800 333 0 333 Fax: 6734 6953 Part of Prudential plc
PROTECT
