PROTECT
PROTECT
We understand
you want reassurance when
simple things in life get tough
Early Stage Disability
Like seeing things clearly
…or walking on a level surface for 200m
…or carrying weights of 2kg
A15278 224483 Early Stage Disability Bro.indd 1
…or sitting and rising from a chair
…or even speaking and hearing clearly
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
…or removing pills from a pack
• 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
2
Partial Payout of 50% of sum assured 4 Eyesight 6
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 The inability to remove 5
Control paracetamol pills from a blister
pack within 60 seconds, using
your hand(s) with or without aids
and adaptations.
Sitting and The inability to sit and rise
Rising from to a standing position from a
chair wheelchair or chair (both with
arms) of 40cm to 45cm in
height without the help of
another person.
Lifting and The inability to lift (from a bench
Carrying 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.
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 Footnotes: Note:
below the age of 15
1 If the life assured is more than 15 years old as at the date of his 8 Please refer to the product summary for the full list of covered Buying life insurance is a long-term commitment. An early termination
The peace of mind of Early Stage Disability is not just for adults disability and, as a result of illness or injury, satisfies any 2 or 3 of the policy usually involves high costs and the surrender value
risks and activities. Special Risk benefit pays out 20% of the sum
— you can even add this on as a supplementary benefit to of the Quality of Life Conditions under the covered benefits. We payable may be less than the total premiums paid. About Prudential Assurance Company
assured subject to a maximum claim of $20,000, is payable only if
protect children below the age of 15. will honour the claim provided that any 2 or 3 of the Quality of the Early Stage Disability Benefit has not terminated and the total Singapore (Pte) Limited
Buying health insurance that is not suitable for you may impact your
Life Conditions are certified to be existing conditions suffered by payout has not exceeded the sum assured.
ability to finance your future healthcare needs. You should seek advice
10
Affordable Premiums at a glance the life assured at least 90 days after the confirmed diagnosis of Prudential Singapore is one of the top life insurance
9 For new policies, the minimum policy term is 5 years (for 5 year from a qualified Prudential Financial Consultant if in doubt.
Early Stage Disability available as a supplementary benefit the illness or injury directly leading up to the development of the companies in Singapore and is a wholly owned subsidiary
(Based on Sum Assured of $50,000) relevant Quality of Life Conditions. limited pay policies) or 10 years (for other policies). For Mid Term of UK-based Prudential plc. As one of the market leaders
Premiums are not guaranteed and may be adjusted based on future
Life Assured, Coverage Premium If the life assured is between 28 days and 15 years old at date
Add to existing policies, the minimum policy term is 6 years.
claims experience. The company reserves the right to vary the in investment-linked plans, Prudential Singapore has over
10 Premium rates (non guaranteed) will differ for standalone plans premiums at any time by giving 30 days’ notice to the policyowner S$7.7 billion funds managed under PruLink funds as at
Occupation Class 1 Term Per Day11 of disability, and is disabled as a result of illness or injury and
30 June 2010. With the dedicated team of approximately
is confined to a home, Hospital or other institutions requiring and will vary based on different occupational class, gender, age before doing so.
3,800 financial consultants and over 600 employees,
constant care and medical attention for the relevant stipulated at entry and smoker status.
Male non-smoker, This brochure is for reference only and is not a contract of insurance.
40 $0.60 period required under the covered benefits. Therefore, the Quality Prudential Singapore has been serving the needs of more
age 30 next birthday 11 Premium per day is based on annual premium divided by 365 days Please refer to the exact terms and conditions, specific details and
of Life Conditions will not be used. than 600,000 policyholders with over 1.3 million policies
and rounded up to the nearest ten cents. exclusions applicable to this insurance in the policy document that
for almost 80 years in Singapore.
• Male non smoker, age 30 at next birthday is $203.00 per annum, for can be obtained from a Prudential Financial Consultant.
Female non-smoker, 2 Each benefit is subject to a “Deferment Period” prior to a claim
40 $0.70
age 30 next birthday being paid out. “Deferment Period” varies accordingly to each a coverage term of 40 years
In case of discrepancy between the English and Mandarin versions of
benefit and is defined as the period between the confirmed • Female non-smoker, age 30 at next birthday is $239.50 per annum,
this brochure, the English version shall prevail.
diagnosis of illness or injury and the date of disability. Please refer for a coverage term of 40 years
Male non-smoker,
30 $1.00 to the product summary for details. Information correct as at 14 February 2011.
age 40 next birthday • Male non smoker, age 40 at next birthday is $356.50 per annum , for
3 PRUearly stage disability is not available for sale to non-income a coverage term of 30 years
earners such as housewives, home-maker, students and children. • Female non-smoker, age 40 at next birthday is $446.50 per annum,
Female non-smoker,
30 $1.30
age 40 next birthday for a coverage term of 30 years
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.
Protect yourself today!
6 A claim under this section must be supported by evidence that
For more information about Early Stage Disability the condition has been investigated and is being managed by an
ophthalmologist.
Call your Prudential Financial Consultant or our
PruCustomer Line at 1800 333 0 333. 7 The total claims paid under the Partial Payout benefit, Full Payout
www.prudential.com.sg benefit, Total and Permanent Disability benefit and Special Risk
benefit shall not exceed the Early Stage Disability Benefit sum assured.
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
2/10/11 5:43 PM
 PROTECT
We understand
you want reassurance when
simple things in life get tough
Early Stage Disability
Like seeing things clearly
…or walking on a level surface for 200m
…or carrying weights of 2kg
A15278 224483 Early Stage Disability Bro.indd 1
…or sitting and rising from a chair
…or even speaking and hearing clearly
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
…or removing pills from a pack
• 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
2
Partial Payout of 50% of sum assured 4 Eyesight 6
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 The inability to remove 5
Control paracetamol pills from a blister
pack within 60 seconds, using
your hand(s) with or without aids
and adaptations.
Sitting and The inability to sit and rise
Rising from to a standing position from a
chair wheelchair or chair (both with
arms) of 40cm to 45cm in
height without the help of
another person.
Lifting and The inability to lift (from a bench
Carrying 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.
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.
PROTECT
Also available as a supplementary benefit for children Footnotes: Note:
below the age of 15
1 If the life assured is more than 15 years old as at the date of his 8 Please refer to the product summary for the full list of covered Buying life insurance is a long-term commitment. An early termination
The peace of mind of Early Stage Disability is not just for adults disability and, as a result of illness or injury, satisfies any 2 or 3 of the policy usually involves high costs and the surrender value
risks and activities. Special Risk benefit pays out 20% of the sum
— you can even add this on as a supplementary benefit to of the Quality of Life Conditions under the covered benefits. We payable may be less than the total premiums paid. About Prudential Assurance Company
assured subject to a maximum claim of $20,000, is payable only if
protect children below the age of 15. will honour the claim provided that any 2 or 3 of the Quality of the Early Stage Disability Benefit has not terminated and the total Singapore (Pte) Limited
Buying health insurance that is not suitable for you may impact your
Life Conditions are certified to be existing conditions suffered by payout has not exceeded the sum assured.
ability to finance your future healthcare needs. You should seek advice
10
Affordable Premiums at a glance the life assured at least 90 days after the confirmed diagnosis of Prudential Singapore is one of the top life insurance
9 For new policies, the minimum policy term is 5 years (for 5 year from a qualified Prudential Financial Consultant if in doubt.
Early Stage Disability available as a supplementary benefit the illness or injury directly leading up to the development of the companies in Singapore and is a wholly owned subsidiary
(Based on Sum Assured of $50,000) relevant Quality of Life Conditions. limited pay policies) or 10 years (for other policies). For Mid Term of UK-based Prudential plc. As one of the market leaders
Premiums are not guaranteed and may be adjusted based on future
Life Assured, Coverage Premium If the life assured is between 28 days and 15 years old at date
Add to existing policies, the minimum policy term is 6 years.
claims experience. The company reserves the right to vary the in investment-linked plans, Prudential Singapore has over
10 Premium rates (non guaranteed) will differ for standalone plans premiums at any time by giving 30 days’ notice to the policyowner S$7.7 billion funds managed under PruLink funds as at
Occupation Class 1 Term Per Day11 of disability, and is disabled as a result of illness or injury and
30 June 2010. With the dedicated team of approximately
is confined to a home, Hospital or other institutions requiring and will vary based on different occupational class, gender, age before doing so.
3,800 financial consultants and over 600 employees,
constant care and medical attention for the relevant stipulated at entry and smoker status.
Male non-smoker, This brochure is for reference only and is not a contract of insurance.
40 $0.60 period required under the covered benefits. Therefore, the Quality Prudential Singapore has been serving the needs of more
age 30 next birthday 11 Premium per day is based on annual premium divided by 365 days Please refer to the exact terms and conditions, specific details and
of Life Conditions will not be used. than 600,000 policyholders with over 1.3 million policies
and rounded up to the nearest ten cents. exclusions applicable to this insurance in the policy document that
for almost 80 years in Singapore.
• Male non smoker, age 30 at next birthday is $203.00 per annum, for can be obtained from a Prudential Financial Consultant.
Female non-smoker, 2 Each benefit is subject to a “Deferment Period” prior to a claim
40 $0.70
age 30 next birthday being paid out. “Deferment Period” varies accordingly to each a coverage term of 40 years
In case of discrepancy between the English and Mandarin versions of
benefit and is defined as the period between the confirmed • Female non-smoker, age 30 at next birthday is $239.50 per annum,
this brochure, the English version shall prevail.
diagnosis of illness or injury and the date of disability. Please refer for a coverage term of 40 years
Male non-smoker,
30 $1.00 to the product summary for details. Information correct as at 14 February 2011.
age 40 next birthday • Male non smoker, age 40 at next birthday is $356.50 per annum , for
3 PRUearly stage disability is not available for sale to non-income a coverage term of 30 years
earners such as housewives, home-maker, students and children. • Female non-smoker, age 40 at next birthday is $446.50 per annum,
Female non-smoker,
30 $1.30
age 40 next birthday for a coverage term of 30 years
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.
Protect yourself today!
6 A claim under this section must be supported by evidence that
For more information about Early Stage Disability the condition has been investigated and is being managed by an
ophthalmologist.
Call your Prudential Financial Consultant or our
PruCustomer Line at 1800 333 0 333. 7 The total claims paid under the Partial Payout benefit, Full Payout
www.prudential.com.sg benefit, Total and Permanent Disability benefit and Special Risk
benefit shall not exceed the Early Stage Disability Benefit sum assured.
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
2/10/11 2:18 PM
 PROTECT
We understand
you want reassurance when
simple things in life get tough
Early Stage Disability
Like seeing things clearly
…or walking on a level surface for 200m
…or carrying weights of 2kg
A15278 224483 Early Stage Disability Bro.indd 1
…or sitting and rising from a chair
…or even speaking and hearing clearly
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
…or removing pills from a pack
• 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
2
Partial Payout of 50% of sum assured 4 Eyesight 6
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 The inability to remove 5
Control paracetamol pills from a blister
pack within 60 seconds, using
your hand(s) with or without aids
and adaptations.
Sitting and The inability to sit and rise
Rising from to a standing position from a
chair wheelchair or chair (both with
arms) of 40cm to 45cm in
height without the help of
another person.
Lifting and The inability to lift (from a bench
Carrying 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.
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.
PROTECT
Also available as a supplementary benefit for children Footnotes: Note:
below the age of 15
1 If the life assured is more than 15 years old as at the date of his 8 Please refer to the product summary for the full list of covered Buying life insurance is a long-term commitment. An early termination
The peace of mind of Early Stage Disability is not just for adults disability and, as a result of illness or injury, satisfies any 2 or 3 of the policy usually involves high costs and the surrender value
risks and activities. Special Risk benefit pays out 20% of the sum
— you can even add this on as a supplementary benefit to of the Quality of Life Conditions under the covered benefits. We payable may be less than the total premiums paid. About Prudential Assurance Company
assured subject to a maximum claim of $20,000, is payable only if
protect children below the age of 15. will honour the claim provided that any 2 or 3 of the Quality of the Early Stage Disability Benefit has not terminated and the total Singapore (Pte) Limited
Buying health insurance that is not suitable for you may impact your
Life Conditions are certified to be existing conditions suffered by payout has not exceeded the sum assured.
ability to finance your future healthcare needs. You should seek advice
10
Affordable Premiums at a glance the life assured at least 90 days after the confirmed diagnosis of Prudential Singapore is one of the top life insurance
9 For new policies, the minimum policy term is 5 years (for 5 year from a qualified Prudential Financial Consultant if in doubt.
Early Stage Disability available as a supplementary benefit the illness or injury directly leading up to the development of the companies in Singapore and is a wholly owned subsidiary
(Based on Sum Assured of $50,000) relevant Quality of Life Conditions. limited pay policies) or 10 years (for other policies). For Mid Term of UK-based Prudential plc. As one of the market leaders
Premiums are not guaranteed and may be adjusted based on future
Life Assured, Coverage Premium If the life assured is between 28 days and 15 years old at date
Add to existing policies, the minimum policy term is 6 years.
claims experience. The company reserves the right to vary the in investment-linked plans, Prudential Singapore has over
10 Premium rates (non guaranteed) will differ for standalone plans premiums at any time by giving 30 days’ notice to the policyowner S$7.7 billion funds managed under PruLink funds as at
Occupation Class 1 Term Per Day11 of disability, and is disabled as a result of illness or injury and
30 June 2010. With the dedicated team of approximately
is confined to a home, Hospital or other institutions requiring and will vary based on different occupational class, gender, age before doing so.
3,800 financial consultants and over 600 employees,
constant care and medical attention for the relevant stipulated at entry and smoker status.
Male non-smoker, This brochure is for reference only and is not a contract of insurance.
40 $0.60 period required under the covered benefits. Therefore, the Quality Prudential Singapore has been serving the needs of more
age 30 next birthday 11 Premium per day is based on annual premium divided by 365 days Please refer to the exact terms and conditions, specific details and
of Life Conditions will not be used. than 600,000 policyholders with over 1.3 million policies
and rounded up to the nearest ten cents. exclusions applicable to this insurance in the policy document that
for almost 80 years in Singapore.
• Male non smoker, age 30 at next birthday is $203.00 per annum, for can be obtained from a Prudential Financial Consultant.
Female non-smoker, 2 Each benefit is subject to a “Deferment Period” prior to a claim
40 $0.70
age 30 next birthday being paid out. “Deferment Period” varies accordingly to each a coverage term of 40 years
In case of discrepancy between the English and Mandarin versions of
benefit and is defined as the period between the confirmed • Female non-smoker, age 30 at next birthday is $239.50 per annum,
this brochure, the English version shall prevail.
diagnosis of illness or injury and the date of disability. Please refer for a coverage term of 40 years
Male non-smoker,
30 $1.00 to the product summary for details. Information correct as at 14 February 2011.
age 40 next birthday • Male non smoker, age 40 at next birthday is $356.50 per annum , for
3 PRUearly stage disability is not available for sale to non-income a coverage term of 30 years
earners such as housewives, home-maker, students and children. • Female non-smoker, age 40 at next birthday is $446.50 per annum,
Female non-smoker,
30 $1.30
age 40 next birthday for a coverage term of 30 years
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.
Protect yourself today!
6 A claim under this section must be supported by evidence that
For more information about Early Stage Disability the condition has been investigated and is being managed by an
ophthalmologist.
Call your Prudential Financial Consultant or our
PruCustomer Line at 1800 333 0 333. 7 The total claims paid under the Partial Payout benefit, Full Payout
www.prudential.com.sg benefit, Total and Permanent Disability benefit and Special Risk
benefit shall not exceed the Early Stage Disability Benefit sum assured.
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
2/10/11 2:18 PM
 PROTECT
We understand
you want reassurance when
simple things in life get tough
Early Stage Disability
Like seeing things clearly
…or walking on a level surface for 200m
…or carrying weights of 2kg
A15278 224483 Early Stage Disability Bro.indd 1
…or sitting and rising from a chair
…or even speaking and hearing clearly
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
…or removing pills from a pack
• 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
2
Partial Payout of 50% of sum assured 4 Eyesight 6
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 The inability to remove 5
Control paracetamol pills from a blister
pack within 60 seconds, using
your hand(s) with or without aids
and adaptations.
Sitting and The inability to sit and rise
Rising from to a standing position from a
chair wheelchair or chair (both with
arms) of 40cm to 45cm in
height without the help of
another person.
Lifting and The inability to lift (from a bench
Carrying 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.
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.
PROTECT
Also available as a supplementary benefit for children Footnotes: Note:
below the age of 15
1 If the life assured is more than 15 years old as at the date of his 8 Please refer to the product summary for the full list of covered Buying life insurance is a long-term commitment. An early termination
The peace of mind of Early Stage Disability is not just for adults disability and, as a result of illness or injury, satisfies any 2 or 3 of the policy usually involves high costs and the surrender value
risks and activities. Special Risk benefit pays out 20% of the sum
— you can even add this on as a supplementary benefit to of the Quality of Life Conditions under the covered benefits. We payable may be less than the total premiums paid. About Prudential Assurance Company
assured subject to a maximum claim of $20,000, is payable only if
protect children below the age of 15. will honour the claim provided that any 2 or 3 of the Quality of the Early Stage Disability Benefit has not terminated and the total Singapore (Pte) Limited
Buying health insurance that is not suitable for you may impact your
Life Conditions are certified to be existing conditions suffered by payout has not exceeded the sum assured.
ability to finance your future healthcare needs. You should seek advice
10
Affordable Premiums at a glance the life assured at least 90 days after the confirmed diagnosis of Prudential Singapore is one of the top life insurance
9 For new policies, the minimum policy term is 5 years (for 5 year from a qualified Prudential Financial Consultant if in doubt.
Early Stage Disability available as a supplementary benefit the illness or injury directly leading up to the development of the companies in Singapore and is a wholly owned subsidiary
(Based on Sum Assured of $50,000) relevant Quality of Life Conditions. limited pay policies) or 10 years (for other policies). For Mid Term of UK-based Prudential plc. As one of the market leaders
Premiums are not guaranteed and may be adjusted based on future
Life Assured, Coverage Premium If the life assured is between 28 days and 15 years old at date
Add to existing policies, the minimum policy term is 6 years.
claims experience. The company reserves the right to vary the in investment-linked plans, Prudential Singapore has over
10 Premium rates (non guaranteed) will differ for standalone plans premiums at any time by giving 30 days’ notice to the policyowner S$7.7 billion funds managed under PruLink funds as at
Occupation Class 1 Term Per Day11 of disability, and is disabled as a result of illness or injury and
30 June 2010. With the dedicated team of approximately
is confined to a home, Hospital or other institutions requiring and will vary based on different occupational class, gender, age before doing so.
3,800 financial consultants and over 600 employees,
constant care and medical attention for the relevant stipulated at entry and smoker status.
Male non-smoker, This brochure is for reference only and is not a contract of insurance.
40 $0.60 period required under the covered benefits. Therefore, the Quality Prudential Singapore has been serving the needs of more
age 30 next birthday 11 Premium per day is based on annual premium divided by 365 days Please refer to the exact terms and conditions, specific details and
of Life Conditions will not be used. than 600,000 policyholders with over 1.3 million policies
and rounded up to the nearest ten cents. exclusions applicable to this insurance in the policy document that
for almost 80 years in Singapore.
• Male non smoker, age 30 at next birthday is $203.00 per annum, for can be obtained from a Prudential Financial Consultant.
Female non-smoker, 2 Each benefit is subject to a “Deferment Period” prior to a claim
40 $0.70
age 30 next birthday being paid out. “Deferment Period” varies accordingly to each a coverage term of 40 years
In case of discrepancy between the English and Mandarin versions of
benefit and is defined as the period between the confirmed • Female non-smoker, age 30 at next birthday is $239.50 per annum,
this brochure, the English version shall prevail.
diagnosis of illness or injury and the date of disability. Please refer for a coverage term of 40 years
Male non-smoker,
30 $1.00 to the product summary for details. Information correct as at 14 February 2011.
age 40 next birthday • Male non smoker, age 40 at next birthday is $356.50 per annum , for
3 PRUearly stage disability is not available for sale to non-income a coverage term of 30 years
earners such as housewives, home-maker, students and children. • Female non-smoker, age 40 at next birthday is $446.50 per annum,
Female non-smoker,
30 $1.30
age 40 next birthday for a coverage term of 30 years
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.
Protect yourself today!
6 A claim under this section must be supported by evidence that
For more information about Early Stage Disability the condition has been investigated and is being managed by an
ophthalmologist.
Call your Prudential Financial Consultant or our
PruCustomer Line at 1800 333 0 333. 7 The total claims paid under the Partial Payout benefit, Full Payout
www.prudential.com.sg benefit, Total and Permanent Disability benefit and Special Risk
benefit shall not exceed the Early Stage Disability Benefit sum assured.
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
2/10/11 2:18 PM
 PROTECT
We understand
you want reassurance when
simple things in life get tough
Early Stage Disability
Like seeing things clearly
…or walking on a level surface for 200m
…or carrying weights of 2kg
A15278 224483 Early Stage Disability Bro.indd 1
…or sitting and rising from a chair
…or even speaking and hearing clearly
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
…or removing pills from a pack
• 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
2
Partial Payout of 50% of sum assured 4 Eyesight 6
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 The inability to remove 5
Control paracetamol pills from a blister
pack within 60 seconds, using
your hand(s) with or without aids
and adaptations.
Sitting and The inability to sit and rise
Rising from to a standing position from a
chair wheelchair or chair (both with
arms) of 40cm to 45cm in
height without the help of
another person.
Lifting and The inability to lift (from a bench
Carrying 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.
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.
PROTECT
Also available as a supplementary benefit for children Footnotes: Note:
below the age of 15
1 If the life assured is more than 15 years old as at the date of his 8 Please refer to the product summary for the full list of covered Buying life insurance is a long-term commitment. An early termination
The peace of mind of Early Stage Disability is not just for adults disability and, as a result of illness or injury, satisfies any 2 or 3 of the policy usually involves high costs and the surrender value
risks and activities. Special Risk benefit pays out 20% of the sum
— you can even add this on as a supplementary benefit to of the Quality of Life Conditions under the covered benefits. We payable may be less than the total premiums paid. About Prudential Assurance Company
assured subject to a maximum claim of $20,000, is payable only if
protect children below the age of 15. will honour the claim provided that any 2 or 3 of the Quality of the Early Stage Disability Benefit has not terminated and the total Singapore (Pte) Limited
Buying health insurance that is not suitable for you may impact your
Life Conditions are certified to be existing conditions suffered by payout has not exceeded the sum assured.
ability to finance your future healthcare needs. You should seek advice
10
Affordable Premiums at a glance the life assured at least 90 days after the confirmed diagnosis of Prudential Singapore is one of the top life insurance
9 For new policies, the minimum policy term is 5 years (for 5 year from a qualified Prudential Financial Consultant if in doubt.
Early Stage Disability available as a supplementary benefit the illness or injury directly leading up to the development of the companies in Singapore and is a wholly owned subsidiary
(Based on Sum Assured of $50,000) relevant Quality of Life Conditions. limited pay policies) or 10 years (for other policies). For Mid Term of UK-based Prudential plc. As one of the market leaders
Premiums are not guaranteed and may be adjusted based on future
Life Assured, Coverage Premium If the life assured is between 28 days and 15 years old at date
Add to existing policies, the minimum policy term is 6 years.
claims experience. The company reserves the right to vary the in investment-linked plans, Prudential Singapore has over
10 Premium rates (non guaranteed) will differ for standalone plans premiums at any time by giving 30 days’ notice to the policyowner S$7.7 billion funds managed under PruLink funds as at
Occupation Class 1 Term Per Day11 of disability, and is disabled as a result of illness or injury and
30 June 2010. With the dedicated team of approximately
is confined to a home, Hospital or other institutions requiring and will vary based on different occupational class, gender, age before doing so.
3,800 financial consultants and over 600 employees,
constant care and medical attention for the relevant stipulated at entry and smoker status.
Male non-smoker, This brochure is for reference only and is not a contract of insurance.
40 $0.60 period required under the covered benefits. Therefore, the Quality Prudential Singapore has been serving the needs of more
age 30 next birthday 11 Premium per day is based on annual premium divided by 365 days Please refer to the exact terms and conditions, specific details and
of Life Conditions will not be used. than 600,000 policyholders with over 1.3 million policies
and rounded up to the nearest ten cents. exclusions applicable to this insurance in the policy document that
for almost 80 years in Singapore.
• Male non smoker, age 30 at next birthday is $203.00 per annum, for can be obtained from a Prudential Financial Consultant.
Female non-smoker, 2 Each benefit is subject to a “Deferment Period” prior to a claim
40 $0.70
age 30 next birthday being paid out. “Deferment Period” varies accordingly to each a coverage term of 40 years
In case of discrepancy between the English and Mandarin versions of
benefit and is defined as the period between the confirmed • Female non-smoker, age 30 at next birthday is $239.50 per annum,
this brochure, the English version shall prevail.
diagnosis of illness or injury and the date of disability. Please refer for a coverage term of 40 years
Male non-smoker,
30 $1.00 to the product summary for details. Information correct as at 14 February 2011.
age 40 next birthday • Male non smoker, age 40 at next birthday is $356.50 per annum , for
3 PRUearly stage disability is not available for sale to non-income a coverage term of 30 years
earners such as housewives, home-maker, students and children. • Female non-smoker, age 40 at next birthday is $446.50 per annum,
Female non-smoker,
30 $1.30
age 40 next birthday for a coverage term of 30 years
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.
Protect yourself today!
6 A claim under this section must be supported by evidence that
For more information about Early Stage Disability the condition has been investigated and is being managed by an
ophthalmologist.
Call your Prudential Financial Consultant or our
PruCustomer Line at 1800 333 0 333. 7 The total claims paid under the Partial Payout benefit, Full Payout
www.prudential.com.sg benefit, Total and Permanent Disability benefit and Special Risk
benefit shall not exceed the Early Stage Disability Benefit sum assured.
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
2/10/11 2:18 PM
 PROTECT
We understand
you want reassurance when
simple things in life get tough
Early Stage Disability
Like seeing things clearly
…or walking on a level surface for 200m
…or carrying weights of 2kg
A15278 224483 Early Stage Disability Bro.indd 1
…or sitting and rising from a chair
…or even speaking and hearing clearly
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
…or removing pills from a pack
• 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
2
Partial Payout of 50% of sum assured 4 Eyesight 6
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 The inability to remove 5
Control paracetamol pills from a blister
pack within 60 seconds, using
your hand(s) with or without aids
and adaptations.
Sitting and The inability to sit and rise
Rising from to a standing position from a
chair wheelchair or chair (both with
arms) of 40cm to 45cm in
height without the help of
another person.
Lifting and The inability to lift (from a bench
Carrying 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.
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.
PROTECT
Also available as a supplementary benefit for children Footnotes: Note:
below the age of 15
1 If the life assured is more than 15 years old as at the date of his 8 Please refer to the product summary for the full list of covered Buying life insurance is a long-term commitment. An early termination
The peace of mind of Early Stage Disability is not just for adults disability and, as a result of illness or injury, satisfies any 2 or 3 of the policy usually involves high costs and the surrender value
risks and activities. Special Risk benefit pays out 20% of the sum
— you can even add this on as a supplementary benefit to of the Quality of Life Conditions under the covered benefits. We payable may be less than the total premiums paid. About Prudential Assurance Company
assured subject to a maximum claim of $20,000, is payable only if
protect children below the age of 15. will honour the claim provided that any 2 or 3 of the Quality of the Early Stage Disability Benefit has not terminated and the total Singapore (Pte) Limited
Buying health insurance that is not suitable for you may impact your
Life Conditions are certified to be existing conditions suffered by payout has not exceeded the sum assured.
ability to finance your future healthcare needs. You should seek advice
10
Affordable Premiums at a glance the life assured at least 90 days after the confirmed diagnosis of Prudential Singapore is one of the top life insurance
9 For new policies, the minimum policy term is 5 years (for 5 year from a qualified Prudential Financial Consultant if in doubt.
Early Stage Disability available as a supplementary benefit the illness or injury directly leading up to the development of the companies in Singapore and is a wholly owned subsidiary
(Based on Sum Assured of $50,000) relevant Quality of Life Conditions. limited pay policies) or 10 years (for other policies). For Mid Term of UK-based Prudential plc. As one of the market leaders
Premiums are not guaranteed and may be adjusted based on future
Life Assured, Coverage Premium If the life assured is between 28 days and 15 years old at date
Add to existing policies, the minimum policy term is 6 years.
claims experience. The company reserves the right to vary the in investment-linked plans, Prudential Singapore has over
10 Premium rates (non guaranteed) will differ for standalone plans premiums at any time by giving 30 days’ notice to the policyowner S$7.7 billion funds managed under PruLink funds as at
Occupation Class 1 Term Per Day11 of disability, and is disabled as a result of illness or injury and
30 June 2010. With the dedicated team of approximately
is confined to a home, Hospital or other institutions requiring and will vary based on different occupational class, gender, age before doing so.
3,800 financial consultants and over 600 employees,
constant care and medical attention for the relevant stipulated at entry and smoker status.
Male non-smoker, This brochure is for reference only and is not a contract of insurance.
40 $0.60 period required under the covered benefits. Therefore, the Quality Prudential Singapore has been serving the needs of more
age 30 next birthday 11 Premium per day is based on annual premium divided by 365 days Please refer to the exact terms and conditions, specific details and
of Life Conditions will not be used. than 600,000 policyholders with over 1.3 million policies
and rounded up to the nearest ten cents. exclusions applicable to this insurance in the policy document that
for almost 80 years in Singapore.
• Male non smoker, age 30 at next birthday is $203.00 per annum, for can be obtained from a Prudential Financial Consultant.
Female non-smoker, 2 Each benefit is subject to a “Deferment Period” prior to a claim
40 $0.70
age 30 next birthday being paid out. “Deferment Period” varies accordingly to each a coverage term of 40 years
In case of discrepancy between the English and Mandarin versions of
benefit and is defined as the period between the confirmed • Female non-smoker, age 30 at next birthday is $239.50 per annum,
this brochure, the English version shall prevail.
diagnosis of illness or injury and the date of disability. Please refer for a coverage term of 40 years
Male non-smoker,
30 $1.00 to the product summary for details. Information correct as at 14 February 2011.
age 40 next birthday • Male non smoker, age 40 at next birthday is $356.50 per annum , for
3 PRUearly stage disability is not available for sale to non-income a coverage term of 30 years
earners such as housewives, home-maker, students and children. • Female non-smoker, age 40 at next birthday is $446.50 per annum,
Female non-smoker,
30 $1.30
age 40 next birthday for a coverage term of 30 years
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.
Protect yourself today!
6 A claim under this section must be supported by evidence that
For more information about Early Stage Disability the condition has been investigated and is being managed by an
ophthalmologist.
Call your Prudential Financial Consultant or our
PruCustomer Line at 1800 333 0 333. 7 The total claims paid under the Partial Payout benefit, Full Payout
www.prudential.com.sg benefit, Total and Permanent Disability benefit and Special Risk
benefit shall not exceed the Early Stage Disability Benefit sum assured.
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
2/10/11 2:18 PM
 PROTECT
We understand
you want reassurance when
simple things in life get tough
Early Stage Disability
Like seeing things clearly
…or walking on a level surface for 200m
…or carrying weights of 2kg
A15278 224483 Early Stage Disability Bro.indd 1
…or sitting and rising from a chair
…or even speaking and hearing clearly
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
…or removing pills from a pack
• 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
2
Partial Payout of 50% of sum assured 4 Eyesight 6
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 The inability to remove 5
Control paracetamol pills from a blister
pack within 60 seconds, using
your hand(s) with or without aids
and adaptations.
Sitting and The inability to sit and rise
Rising from to a standing position from a
chair wheelchair or chair (both with
arms) of 40cm to 45cm in
height without the help of
another person.
Lifting and The inability to lift (from a bench
Carrying 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.
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.
PROTECT
Also available as a supplementary benefit for children Footnotes: Note:
below the age of 15
1 If the life assured is more than 15 years old as at the date of his 8 Please refer to the product summary for the full list of covered Buying life insurance is a long-term commitment. An early termination
The peace of mind of Early Stage Disability is not just for adults disability and, as a result of illness or injury, satisfies any 2 or 3 of the policy usually involves high costs and the surrender value
risks and activities. Special Risk benefit pays out 20% of the sum
— you can even add this on as a supplementary benefit to of the Quality of Life Conditions under the covered benefits. We payable may be less than the total premiums paid. About Prudential Assurance Company
assured subject to a maximum claim of $20,000, is payable only if
protect children below the age of 15. will honour the claim provided that any 2 or 3 of the Quality of the Early Stage Disability Benefit has not terminated and the total Singapore (Pte) Limited
Buying health insurance that is not suitable for you may impact your
Life Conditions are certified to be existing conditions suffered by payout has not exceeded the sum assured.
ability to finance your future healthcare needs. You should seek advice
10
Affordable Premiums at a glance the life assured at least 90 days after the confirmed diagnosis of Prudential Singapore is one of the top life insurance
9 For new policies, the minimum policy term is 5 years (for 5 year from a qualified Prudential Financial Consultant if in doubt.
Early Stage Disability available as a supplementary benefit the illness or injury directly leading up to the development of the companies in Singapore and is a wholly owned subsidiary
(Based on Sum Assured of $50,000) relevant Quality of Life Conditions. limited pay policies) or 10 years (for other policies). For Mid Term of UK-based Prudential plc. As one of the market leaders
Premiums are not guaranteed and may be adjusted based on future
Life Assured, Coverage Premium If the life assured is between 28 days and 15 years old at date
Add to existing policies, the minimum policy term is 6 years.
claims experience. The company reserves the right to vary the in investment-linked plans, Prudential Singapore has over
10 Premium rates (non guaranteed) will differ for standalone plans premiums at any time by giving 30 days’ notice to the policyowner S$7.7 billion funds managed under PruLink funds as at
Occupation Class 1 Term Per Day11 of disability, and is disabled as a result of illness or injury and
30 June 2010. With the dedicated team of approximately
is confined to a home, Hospital or other institutions requiring and will vary based on different occupational class, gender, age before doing so.
3,800 financial consultants and over 600 employees,
constant care and medical attention for the relevant stipulated at entry and smoker status.
Male non-smoker, This brochure is for reference only and is not a contract of insurance.
40 $0.60 period required under the covered benefits. Therefore, the Quality Prudential Singapore has been serving the needs of more
age 30 next birthday 11 Premium per day is based on annual premium divided by 365 days Please refer to the exact terms and conditions, specific details and
of Life Conditions will not be used. than 600,000 policyholders with over 1.3 million policies
and rounded up to the nearest ten cents. exclusions applicable to this insurance in the policy document that
for almost 80 years in Singapore.
• Male non smoker, age 30 at next birthday is $203.00 per annum, for can be obtained from a Prudential Financial Consultant.
Female non-smoker, 2 Each benefit is subject to a “Deferment Period” prior to a claim
40 $0.70
age 30 next birthday being paid out. “Deferment Period” varies accordingly to each a coverage term of 40 years
In case of discrepancy between the English and Mandarin versions of
benefit and is defined as the period between the confirmed • Female non-smoker, age 30 at next birthday is $239.50 per annum,
this brochure, the English version shall prevail.
diagnosis of illness or injury and the date of disability. Please refer for a coverage term of 40 years
Male non-smoker,
30 $1.00 to the product summary for details. Information correct as at 14 February 2011.
age 40 next birthday • Male non smoker, age 40 at next birthday is $356.50 per annum , for
3 PRUearly stage disability is not available for sale to non-income a coverage term of 30 years
earners such as housewives, home-maker, students and children. • Female non-smoker, age 40 at next birthday is $446.50 per annum,
Female non-smoker,
30 $1.30
age 40 next birthday for a coverage term of 30 years
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.
Protect yourself today!
6 A claim under this section must be supported by evidence that
For more information about Early Stage Disability the condition has been investigated and is being managed by an
ophthalmologist.
Call your Prudential Financial Consultant or our
PruCustomer Line at 1800 333 0 333. 7 The total claims paid under the Partial Payout benefit, Full Payout
www.prudential.com.sg benefit, Total and Permanent Disability benefit and Special Risk
benefit shall not exceed the Early Stage Disability Benefit sum assured.
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
2/10/11 2:18 PM
 PROTECT
We understand
you want reassurance when
simple things in life get tough
Early Stage Disability
Like seeing things clearly
…or walking on a level surface for 200m
…or carrying weights of 2kg
A15278 224483 Early Stage Disability Bro.indd 1
…or sitting and rising from a chair
…or even speaking and hearing clearly
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
…or removing pills from a pack
• 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
2
Partial Payout of 50% of sum assured 4 Eyesight 6
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 The inability to remove 5
Control paracetamol pills from a blister
pack within 60 seconds, using
your hand(s) with or without aids
and adaptations.
Sitting and The inability to sit and rise
Rising from to a standing position from a
chair wheelchair or chair (both with
arms) of 40cm to 45cm in
height without the help of
another person.
Lifting and The inability to lift (from a bench
Carrying 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.
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.
PROTECT
Also available as a supplementary benefit for children Footnotes: Note:
below the age of 15
1 If the life assured is more than 15 years old as at the date of his 8 Please refer to the product summary for the full list of covered Buying life insurance is a long-term commitment. An early termination
The peace of mind of Early Stage Disability is not just for adults disability and, as a result of illness or injury, satisfies any 2 or 3 of the policy usually involves high costs and the surrender value
risks and activities. Special Risk benefit pays out 20% of the sum
— you can even add this on as a supplementary benefit to of the Quality of Life Conditions under the covered benefits. We payable may be less than the total premiums paid. About Prudential Assurance Company
assured subject to a maximum claim of $20,000, is payable only if
protect children below the age of 15. will honour the claim provided that any 2 or 3 of the Quality of the Early Stage Disability Benefit has not terminated and the total Singapore (Pte) Limited
Buying health insurance that is not suitable for you may impact your
Life Conditions are certified to be existing conditions suffered by payout has not exceeded the sum assured.
ability to finance your future healthcare needs. You should seek advice
10
Affordable Premiums at a glance the life assured at least 90 days after the confirmed diagnosis of Prudential Singapore is one of the top life insurance
9 For new policies, the minimum policy term is 5 years (for 5 year from a qualified Prudential Financial Consultant if in doubt.
Early Stage Disability available as a supplementary benefit the illness or injury directly leading up to the development of the companies in Singapore and is a wholly owned subsidiary
(Based on Sum Assured of $50,000) relevant Quality of Life Conditions. limited pay policies) or 10 years (for other policies). For Mid Term of UK-based Prudential plc. As one of the market leaders
Premiums are not guaranteed and may be adjusted based on future
Life Assured, Coverage Premium If the life assured is between 28 days and 15 years old at date
Add to existing policies, the minimum policy term is 6 years.
claims experience. The company reserves the right to vary the in investment-linked plans, Prudential Singapore has over
10 Premium rates (non guaranteed) will differ for standalone plans premiums at any time by giving 30 days’ notice to the policyowner S$7.7 billion funds managed under PruLink funds as at
Occupation Class 1 Term Per Day11 of disability, and is disabled as a result of illness or injury and
30 June 2010. With the dedicated team of approximately
is confined to a home, Hospital or other institutions requiring and will vary based on different occupational class, gender, age before doing so.
3,800 financial consultants and over 600 employees,
constant care and medical attention for the relevant stipulated at entry and smoker status.
Male non-smoker, This brochure is for reference only and is not a contract of insurance.
40 $0.60 period required under the covered benefits. Therefore, the Quality Prudential Singapore has been serving the needs of more
age 30 next birthday 11 Premium per day is based on annual premium divided by 365 days Please refer to the exact terms and conditions, specific details and
of Life Conditions will not be used. than 600,000 policyholders with over 1.3 million policies
and rounded up to the nearest ten cents. exclusions applicable to this insurance in the policy document that
for almost 80 years in Singapore.
• Male non smoker, age 30 at next birthday is $203.00 per annum, for can be obtained from a Prudential Financial Consultant.
Female non-smoker, 2 Each benefit is subject to a “Deferment Period” prior to a claim
40 $0.70
age 30 next birthday being paid out. “Deferment Period” varies accordingly to each a coverage term of 40 years
In case of discrepancy between the English and Mandarin versions of
benefit and is defined as the period between the confirmed • Female non-smoker, age 30 at next birthday is $239.50 per annum,
this brochure, the English version shall prevail.
diagnosis of illness or injury and the date of disability. Please refer for a coverage term of 40 years
Male non-smoker,
30 $1.00 to the product summary for details. Information correct as at 14 February 2011.
age 40 next birthday • Male non smoker, age 40 at next birthday is $356.50 per annum , for
3 PRUearly stage disability is not available for sale to non-income a coverage term of 30 years
earners such as housewives, home-maker, students and children. • Female non-smoker, age 40 at next birthday is $446.50 per annum,
Female non-smoker,
30 $1.30
age 40 next birthday for a coverage term of 30 years
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.
Protect yourself today!
6 A claim under this section must be supported by evidence that
For more information about Early Stage Disability the condition has been investigated and is being managed by an
ophthalmologist.
Call your Prudential Financial Consultant or our
PruCustomer Line at 1800 333 0 333. 7 The total claims paid under the Partial Payout benefit, Full Payout
www.prudential.com.sg benefit, Total and Permanent Disability benefit and Special Risk
benefit shall not exceed the Early Stage Disability Benefit sum assured.
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
2/10/11 2:18 PM
 PROTECT
We understand
you want reassurance when
simple things in life get tough
Early Stage Disability
Like seeing things clearly
…or walking on a level surface for 200m
…or carrying weights of 2kg
A15278 224483 Early Stage Disability Bro.indd 1
…or sitting and rising from a chair
…or even speaking and hearing clearly
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
…or removing pills from a pack
• 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
2
Partial Payout of 50% of sum assured 4 Eyesight 6
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 The inability to remove 5
Control paracetamol pills from a blister
pack within 60 seconds, using
your hand(s) with or without aids
and adaptations.
Sitting and The inability to sit and rise
Rising from to a standing position from a
chair wheelchair or chair (both with
arms) of 40cm to 45cm in
height without the help of
another person.
Lifting and The inability to lift (from a bench
Carrying 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.
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.
PROTECT
Also available as a supplementary benefit for children Footnotes: Note:
below the age of 15
1 If the life assured is more than 15 years old as at the date of his 8 Please refer to the product summary for the full list of covered Buying life insurance is a long-term commitment. An early termination
The peace of mind of Early Stage Disability is not just for adults disability and, as a result of illness or injury, satisfies any 2 or 3 of the policy usually involves high costs and the surrender value
risks and activities. Special Risk benefit pays out 20% of the sum
— you can even add this on as a supplementary benefit to of the Quality of Life Conditions under the covered benefits. We payable may be less than the total premiums paid. About Prudential Assurance Company
assured subject to a maximum claim of $20,000, is payable only if
protect children below the age of 15. will honour the claim provided that any 2 or 3 of the Quality of the Early Stage Disability Benefit has not terminated and the total Singapore (Pte) Limited
Buying health insurance that is not suitable for you may impact your
Life Conditions are certified to be existing conditions suffered by payout has not exceeded the sum assured.
ability to finance your future healthcare needs. You should seek advice
10
Affordable Premiums at a glance the life assured at least 90 days after the confirmed diagnosis of Prudential Singapore is one of the top life insurance
9 For new policies, the minimum policy term is 5 years (for 5 year from a qualified Prudential Financial Consultant if in doubt.
Early Stage Disability available as a supplementary benefit the illness or injury directly leading up to the development of the companies in Singapore and is a wholly owned subsidiary
(Based on Sum Assured of $50,000) relevant Quality of Life Conditions. limited pay policies) or 10 years (for other policies). For Mid Term of UK-based Prudential plc. As one of the market leaders
Premiums are not guaranteed and may be adjusted based on future
Life Assured, Coverage Premium If the life assured is between 28 days and 15 years old at date
Add to existing policies, the minimum policy term is 6 years.
claims experience. The company reserves the right to vary the in investment-linked plans, Prudential Singapore has over
10 Premium rates (non guaranteed) will differ for standalone plans premiums at any time by giving 30 days’ notice to the policyowner S$7.7 billion funds managed under PruLink funds as at
Occupation Class 1 Term Per Day11 of disability, and is disabled as a result of illness or injury and
30 June 2010. With the dedicated team of approximately
is confined to a home, Hospital or other institutions requiring and will vary based on different occupational class, gender, age before doing so.
3,800 financial consultants and over 600 employees,
constant care and medical attention for the relevant stipulated at entry and smoker status.
Male non-smoker, This brochure is for reference only and is not a contract of insurance.
40 $0.60 period required under the covered benefits. Therefore, the Quality Prudential Singapore has been serving the needs of more
age 30 next birthday 11 Premium per day is based on annual premium divided by 365 days Please refer to the exact terms and conditions, specific details and
of Life Conditions will not be used. than 600,000 policyholders with over 1.3 million policies
and rounded up to the nearest ten cents. exclusions applicable to this insurance in the policy document that
for almost 80 years in Singapore.
• Male non smoker, age 30 at next birthday is $203.00 per annum, for can be obtained from a Prudential Financial Consultant.
Female non-smoker, 2 Each benefit is subject to a “Deferment Period” prior to a claim
40 $0.70
age 30 next birthday being paid out. “Deferment Period” varies accordingly to each a coverage term of 40 years
In case of discrepancy between the English and Mandarin versions of
benefit and is defined as the period between the confirmed • Female non-smoker, age 30 at next birthday is $239.50 per annum,
this brochure, the English version shall prevail.
diagnosis of illness or injury and the date of disability. Please refer for a coverage term of 40 years
Male non-smoker,
30 $1.00 to the product summary for details. Information correct as at 14 February 2011.
age 40 next birthday • Male non smoker, age 40 at next birthday is $356.50 per annum , for
3 PRUearly stage disability is not available for sale to non-income a coverage term of 30 years
earners such as housewives, home-maker, students and children. • Female non-smoker, age 40 at next birthday is $446.50 per annum,
Female non-smoker,
30 $1.30
age 40 next birthday for a coverage term of 30 years
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.
Protect yourself today!
6 A claim under this section must be supported by evidence that
For more information about Early Stage Disability the condition has been investigated and is being managed by an
ophthalmologist.
Call your Prudential Financial Consultant or our
PruCustomer Line at 1800 333 0 333. 7 The total claims paid under the Partial Payout benefit, Full Payout
www.prudential.com.sg benefit, Total and Permanent Disability benefit and Special Risk
benefit shall not exceed the Early Stage Disability Benefit sum assured.
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
2/10/11 2:18 PM