We can always hope that we remain healthy for the rest of our lives. However, our health condition is one of the uncertainties that we have to face in life. And should we be stricken with a serious illness, the financial impact on our family’s lives would be dire. 34 critical illnesses covered in by PRUcrisis cover and PRUcrisis cover plus are:
1. Heart attack: the death of a portion of a heart muscle as a result of inadequate blood supply to the relevant area as evidenced by an episode of typical chest pain, new electrocardiographic changes and by elevation of cardiac enzymes.
2. Surgery of the coronary artery: surgery of the heart as an attempt to correct blocking or narrowing/tightening of one or more coronary artery/ies by means of bypass grafts.
3. Stroke: cerebrovascular accident resulting in damage lasting for more than 24 hours; and including infarction of the brain, hemorrhage or embolism caused by extra-cranial origins; and subject to evidence of permanent neurologist deficit.
4. Cancer: malignant tumor characterized by uncontrolled growth of cells and the spread of malignant cell to/affecting other body tissues. This includes the medically uncontrollable development of diseases such as leukaemia and Hodgkins disease.
5. Kidney failure: terminal kidney failure resulting in systematic peritoneal dialisis or haemodialisis or transplantation of kidney of the person insured.
6. Transplantation of major organs: the person insured is a recipient of a previously conducted transplantation of major organs such as: heart, lungs, liver, pancreas or bone marrow; or the recipient is registered in a waiting list as a future recipient in the jurisdiction of the Republic of Indonesia.
7. Heart valve surgery: open-heart surgery as an attempt to correct or replace abnormal function of heart valve.
8. Loss of ability to speak: total and permanent loss of the ability to speak.
9. Burns: third degree burns on minimally 20% of body surface.
10. Coma: coma resulting in inability to react to external or internal stimulation lasting for minimum 96 hours.
11. Surgery of aorta: surgery performed as an attempt to correct deficit of aorta thoracalis or aorta abdominalis.
12. Parkinson’s disease: Idiophatic Parkinson is a disease resulting from unknown causes that requires special care and assistance in the patient’s daily activities. Diagnose of this disease has to be made by a neurologist. If required, the company will appoint one or more physicians specializing in neurology to back-up/support this diagnose.
13. Loss of hearing: untreatable total loss of hearing of both ears.
14. Alzheimer’s disease: total paralyzation of the function of the brain resulting in mental deterioration and requiring continuous surveillance/care. A diagnose of this disease has to be made by a neurologist. If required, the company has the right to appoint one or more physicians specializing in neurology to back-up/support this diagnose.
15. Benign tumor of the brain: a brain tumor, which does not show signs of malignance, does not attack or expand to other regions/parts of the body.
16. Chronic disease of the lungs: the terminal stage of lung disease, which requires permanent use of oxygen.
17. Motor neuron disease: a functional deterioration of the central nerve-system to control muscular activity/ies resulting in the weakening or deterioration of the muscles’ ability to move. Diagnosis has to be made by a neurologist. If required, the company is entitled to appoint other neurologists to support the diagnosis.
18. Multiple Sclerosis: is the occurrence of more than one episode of permanent neurological deficits in the course of 6 months. A neurologist, based on the results of image scanning, should confirm diagnosis.
19. Angioplasty and other invasive procedures for Coronary Heart Disease: the actual undergoing of balloon angioplasty, laser relief or other techniques to correct significant stenosis of at least 70% of two or more coronary arteries as considered medically necessary by a consultant cardiologist.
20. Aplastic Anemia: irreversible bone marrow failure resulting in anaemia, neutropenia and thrombocytopenia. The diagnosis must be based on a bone marrow biopsy and blood count test.
21. Bacterial Meningitis: is an inflammation of the membranes covering the brain or spinal cord caused by bacteria. The disease must result in permanent neurological deficit resulting in the total inability of the Life Assured to perform (whether aided or unaided) at least 3 of the following 6 Activities of Daily Living*) for a continuous period of at least 6 months.
22. Colitis Ulcerative: Ulcerative Colitis shall mean acute Fulminant Ulcerative Colitis with life threatening electrolyte disturbances usually associated with intestinal distention and a risk of intestinal rupture, involving the entire colon with severe bloody diarrhea. Diagnosis must be based on histopathological features and surgery in the form of colectomy and ileostomy should form part of the treatment.
23. Disabling Primary Pulmonary Hypertension: is the pathological increase of pulmonary pressure due to structural, functional or circulatory disturbances of the lung leading to right ventricular enlargement.
24. Encephalitis: is an inflammation of the brain (cerebral hemisphere, brainstem or cerebellum). The disease must result in significant complications lasting at least 6 weeks, which include permanent neurological deficit. The neurological deficit must result in the total inability of the Life Assured to perform (whether aided or unaided) at least 3 of the following 6 Activities of Daily Living *) for a continuous period of at least 6 months.
25. Fulminant Viral Hepatitis: a submassive to massive necrosis of the liver by a Hepatitis virus, leading precipitously to liver failure.
26. Chronic Liver Disease: end stage liver failure with increasing jaundice that in general medical opinion will not improve in future and resulting in either ascites or encephalopathy.
27. Chron’s Disease: is marked by chronic inflammation of the colon. Crohn’s disease will wax and wane in severity. Many patients develop diarrhea as well as abdominal pain and weight loss. Crohn’s Disease is a chronic granulomatous inflammatory disease. The disease must result in fistula formation, or intestinal obstruction or intestinal perforation. The characteristic histopathological features must confirm diagnosis.
28. HIV from Blood Transfusion: the Life Insured being infected by Human Immunodeficiency Virus provided that:
* the infection is due to a blood transfusion received after the Risk Commencement Date and
* the source of the infection is established to be from the Institution that provided the blood transfusion and the Institution is able to trace the origin of the HIV tainted blood and
* the infected Life Insured is not a haemophiliac.
29. Serious Head Trauma: accidental head injury caused by an external physical force resulting in neurological deficit causing the total inability of the Life Assured to perform (whether aided or unaided) at least 3 of the following 6 “Activities of Daily Living*)” for a continuous period of at least 6 months.
30. Muscular Dystrophy: are a group of degenerative myopathies caused by genetic disorder and characterised by weakness and atrophy of muscle without involvement of the nervous system. Claims shall only be admitted if Muscular Dystrophy causes disability resulting in the total inability of the Life Assured to perform (whether aided or unaided) at least 3 of the following 6 “Activities of Daily Living*)” for a continuous period of at least 6 months.
31. Serious Coronary Artery Disease: the narrowing of the lumen of at least one coronary artery by a minimum of 75% and of two others by a minimum of 60%, as proven by coronary arteriography, regardless of whether or not any form of coronary artery surgery has been performed. Coronary arteries herein refer to left main stem, left anterior descending, circumflex and right coronary artery.
32. Paralysis: means the permanent and total loss of function of two or more limbs as a result of injury to, or disease of the spinal cord. Limb is defined as the complete arm or the complete leg.
33. Poliomyelitis: unequivocal diagnosis of infection with the polio virus leading to paralytic disease as evidenced by impaired motor function or respiratory weakness and resulting in the total inability of the Life Assured to perform (whether aided or unaided) at least 3 of the following 6 “Activities of Daily Living*)” for a continuous period of at least 6 months.
34. Systemic Lupus Erythematosus: a multisystem, multifactorial, autoimmune disorder which mostly affects females in their childbearing years and is characterised by the development of auto-antibodies directed against various self-antigens. In respect of this contract, systematic lupus erythematosus will be restricted to those forms of systematic lupus erythematosus which involve the kidneys (Type III to Type V Lupus nephritis, established by renal biopsy, and in accordance with the WHO classification). The final diagnosis may have to be supported by a certified doctor specialising in Rheumatology and Immunology.
*) Activities of Daily Living:
1. Washing: the ability to wash in the bath or shower or wash satisfactorily by other means;
2. Dressing: the ability to put on, take off, secure and unfasten all garments and, as appropriate, any braces, artificial limbs or other surgical appliances;
3. Transferring: the ability to move from a bed to an upright chair or wheelchair and vice versa;
4. Mobility: the ability to move indoors from room to room on level surfaces;
5. Toileting: the ability to use the lavatory or otherwise manage bowel and bladder functions so as to maintain a satisfactory level of personal hygiene;
6. Feeding: the ability to feed oneself once food has been prepared and made available.
Critical Illnesses
Riders
PRUterm
PRUterm offers additional protection to help you increase the amount of the sum assured. PRUterm will pay you 100% of the sum assured should a calamity befall you.
PRUmortgage
PRUmortgage will boost your protection by assisting you in outlining a finance scheme for a pre-determined period of time. It will take care of your loans in the event that the unforeseen should happen to you by providing 100% of the sum assured.
PRUwaiver
PRUwaiver will help you continue to pay your premiums (both basic and optional products) should you be diagnosed with one of 34 critical illnesses.
PRUincome
PRUincome is an optional life insurance product to protect your income and at the same time providing protection for your children. You will receive a lump sum that will be paid in 4 installments every 3 months until the end of the insurance period in the event of death or total and permanent disability before the age of 60 years or if you are diagnosed with one of 34 critical illnesses.
PRUpersonal accident death
PRUpersonal accident death is an optional life insurance feature that provides 100% of sum assured in the event of sudden and unintentional death by accident. 2 times of the sum assured will be paid to the person insured in the event of death caused by accidents in public transportation, a burning public building and an elevator.
PRUpersonal accident death & disablement
PRUpersonal accident death & disablement is an optional life insurance feature that provides 100% of the sum assured in the event of death by accident. You will be paid a pre-determined percentage of the sum assured should you be rendered totally and permanently disabled in an accident. In the event of an accidental fatality in public transportation, an elevator or a burning public building, you will receive 2 times of the sum assured amount.
PRUdisability provider
PRUdisability provider provider is a feature you can add to your basic plan for a more comprehensive coverage of total permanent disability. PRUdisability provider will provide coverage until the age of 65 years in the event of total and permanent disability. Another benefit is a yearly lump sum payment of 10% of the sum assured starting from the 3rd year of disability until the age of 65, in the event that total and permanent disability occurs before the age of 50.
PRUspouse waiver
PRUspouse waiver is optional life insurance product which will help you continue to pay premium of your basic product, PRUcrisis cover and PRUcrisis cover plus to ease the burdens of family expenditures in the event that your spouse is diagnosed with one of 34 critical illnesses or is totally and permanently disabled before the age of 60 or dies during the period of insurance. PRUspouse waiver is also available for PRUlink assurance account where it waives not only the PRUlink assurance account premium which automatically also waives premiums of all optional products in the event that your spouse is diagnosed with one of 34 critical illnesses or is totally and permanently disabled before the age of 60 or dies during the period of insurance.
PRUspouse payor
The same as PRUspouse waiver, PRUspouse payor will waive PRUlink assurance account premium including PRUsaver in the event of death of your spouse or if your spouse is diagnosed with one of 34 critical illnesses or be rendered totally and permanently disabled before the age of 60 years in the 1st 10 years of your PRUspouse payor period. This optional product is available for PRUlink assurance account only.
PRUpayor
PRUpayor will make sure that you do not have to worry about paying your PRUlink assurance account and PRUsaver premiums should you be diagnosed with one of the 34 critical illnesses in the 1st 10 years of your PRUpayor program until you reach the age of 65 years. You will be freed from these responsibilities and PT Prudential Life Assurance will take over. This optional product is available for PRUlink assurance account only.
PRUmed
PRUmed is a hospitalization plan designed to help you and your family to cover hospitalization expenses. Should you ever be hospitalized you are entitled to a daily cash payment to cover for medication, doctors, administration charges, etc. A double daily cash payment will be made available to you if you are treated in an intensive care unit. If you have to undergo minor, intermediate, major or complex surgery a cash payment will be provided accordingly. In the event of hospitalization overseas as a result of an overseas accident you will receive a doubled daily cash payment.
PRUparent payor
PRUparent payor is a program which will make it possible for PT Prudential Life Assurance to take over the responsibilities from parents to continue payment of PRUlink assurance account and PRUsaver premiums until the child insured reaches certain age should either one of the parents be diagnosed with one of 34 critical illnesses or be totally and permanently disabled before they reach 60 years of age or dies during the period of insurance.
PRUcrisis cover
PRUcrisis cover will give you 100% of the PRUcrisis cover sum assured in the unfortunate event when you are diagnosed with one of 34 critical illnesses.
PRUcrisis cover plus
PRUcrisis cover plus is designed for those of you who want to have more benefits besides coverage in the event of a critical illness. Thus, it will pay you 100% of the sum assured in the event of death, besides a lump sum of 100% of PRUcrisis cover plus sum assured should you be diagnosed with one of 34 critical illnesses.
PRUcrisis income
PRUcrisis income gives the critical condition benefit to its insured by paying annual income in the monthly-basis until certain age period.
PRUmultiple crisis cover
PRUmultiple crisis cover covers up to 3 critical condition claims plus 1 added claim for Angioplasty and other invasive treatments for coronary heart disease.
PRUhospital & surgical
PRUhospital & surgical will give the insured reimbursement for inpatient, ICU and surgical fees according to specific benefit plan taken, while the insured being treated in hospital.
PRUlink syariah assurance account
PRUlink syariah assurance account is a unique syariah life insurance program with maximum flexibility, enabling you to change the level of sum covered, contribution and the mode of payment according to your needs. You can also add optional insurance features such as hospitalisation, accident or dread disease coverage into the existing scheme. Finally, you can choose one or a combination of the following 3 fund investment options, with the flexibility to change it anytime you want to:
1. PRUlink Syariah Rupiah Managed Fund
2. PRUlink Syariah Rupiah Equity Fund
3. PRUlink Syariah Rupiah Cash & Bond Fund
PRUlink Syariah Rupiah Managed Fund
PRUlink Syariah Rupiah Managed Fund is a long-term investment fund designed to help you earn maximum investment gains through fund placements in Rupiah using instruments of investment such as syariah bonds and syariah stocks. Allocation of funds will be determined by Fund Managers and will be subject to change at any time. This option is ideally suited if you are an investor preferring attractive long-term investment gains, and at the same time ready to sustain varied and moderate levels of investment risks.
PRUlink Syariah Rupiah Equity Fund
PRUlink Syariah Rupiah Equity Fund is a vehicle to invest your fund in order to obtain investment gains medium to long-term through fund placements in syariah and quality stocks listed on Jakarta Stock Exchange (BEJ). This option is particularly suited if you prefer long-term investment gains with a higher rate of return, and at the same time in a condition to sustain high investment risks.
PRUlink Syariah Rupiah Cash & Bond Fund
PRUlink Syariah Rupiah Cash & Bond Fund is a medium to long-term investment fund designed to help you get attractive investment gains through fund placements in Rupiah using syariah money market and syariah fixed income instruments such as syariah bonds and other syariah fixed income instruments in the capital market. This option gives you medium to long-term investment gains with a high level of security and flexibility. It is ideally suited if you prefer a stable rate of medium to long-term returns and in a condition to sustain moderate to low investment risks.
PRUlink syariah investor account (PIA Syariah)
PRUlink syariah investor account (PIA Syariah) is a single contribution unit linked product that offers you a range of syariah investment funds choices. Beside that you may have optimum investment return, also this product provides you a comprehensive protections against death risk or total and permanent disability risk.
This product provide you the freedom to choose the syariah investment funds to optimize the investment return, taking into account the Policyholder requirements and risk profile.
PRUlink assurance account plus
PRUlink assurance account plus is a unique life insurance program with maximum flexibility, enabling you to change the level of sum assured, premium and the mode of payment according to your needs. You can also add optional insurance features such as hospitalisation, accident or dread disease coverage into the existing scheme. Finally, you can choose one or a combination of the following 6 existing fund investment options, with the flexibility to change it anytime you want to:
1. PRUlink Rupiah Managed Fund
2. PRUlink Rupiah Managed Fund plus
3. PRUlink USD Fixed Income Fund
4. PRUlink Rupiah Equity Fund
5. PRUlink Rupiah Fixed Income Fund
6. PRUlink Rupiah Cash Fund
PRUlink Rupiah Managed Fund
PRUlink Rupiah Managed Fund is a long-term investment fund designed to help you earn maximum investment gains through fund placements in Rupiah using instruments of investment such as bonds, stocks and other money market instruments. Allocation of funds will be determined by Fund Managers and will be subject to change at any time. This option is ideally suited if you are an investor preferring attractive long-term investment gains, and at the same time ready to sustain varied and moderate levels of investment risks.
PRUlink Rupiah Managed Fund plus
PRUlink Rupiah Managed Fund plus is a long-term investment fund designed to help you earn maximum investment gains through fund placements in Rupiah using instruments of investment such as stocks, bonds and other money market instruments. Allocation of funds will be determined by Fund Managers and will be subject to change at any time. This option is ideally suited if you are an investor preferring attractive long-term investment gains, and at the same time ready to sustain moderate-to-high levels of investment risks.
PRUlink USD Fixed Income Fund
PRUlink USD Fixed Income Fund is a long-term investment fund designed to help you earn maximum investment gains through fund placements in US Dollar using instruments of investment such as bonds and other money market instruments. This option is ideally suited for investors who chose to maintain their investments in US Dollar, thus avoiding fluctuations in the Rupiah.
PRUlink Rupiah Equity Fund
PRUlink Rupiah Equity Fund is a vehicle to invest your fund in order to obtain investment gains medium to long-term through fund placements in quality Jakarta Stock Exchange (BEJ) listed Indonesian company stocks. This option is particularly suited if you prefer long-term investment gains with a higher rate of return, and at the same time in a condition to sustain high investment risks. Unit prices for Rupiah Equity Fund will fluctuate according to BEJ performance.
PRUlink Rupiah Fixed Income Fund
PRUlink Rupiah Fixed Income Fund is a medium to long-term investment fund designed to help you get attractive investment gains through fund placements in Rupiah using fixed income instruments such as bonds and other money market instruments. This option gives you medium to long-term investment gains with a high level of security and flexibility. It is ideally suited if you prefer a stable rate of long-term returns and in a condition to sustain moderate to low investment risks.
PRUlink Rupiah Cash Fund
PRUlink Rupiah Cash Fund is an investment fund designed to help you earn maximum investment gains through fund placements in Rupiah using money market instruments such as time deposits and SBI. This option offers you an attractive rate of returns coupled with a high security level. It is very well suited if you are a conservative investor prefering stable investment gains and in a condition to sustain low to moderate investment risks.
PRUlink assurance account plus
What is PRUlink assurance account plus?
Investment-linked life insurance product which provides life insurance protection as well as investment yield which has been designed to provide flexibility in meeting the needs in every life stages.
The Benefits of PRUlink assurance account plus:
* Guaranteed Death Benefit
* Total and Permanent Disability benefit
* Increase of sum assured can be done any time
* Increase of premium payment (top up) can be done any time
* Customer can determine the composition of protection and investment in the product
* Fund switching
* More choices of riders
Riders
You can make additions to the additional insurance benefits (riders) in the PRUlink assurance account plus product to complete the protection in your life stages:
PRUcrisis cover 34
Provides you the PRUcrisis cover 34 sum assured in the unfortunate event when the insured is diagnosed with one of the 34 critical illnesses.
PRUcrisis cover benefit 34
Provides you the PRUcrisis cover 34 sum assured in the unfortunate event when the insured is diagnosed with one of the 34 critical illnesses, or be deceaseds, without decreasing the basic sum assured.
PRUpersonal accident death
Provides payment of sum assured in the event of sudden and unintentional death by accident.
PRUpersonal accident death & disablement
Provides payment of sum assured in the event of total and permanent disability or death by accident.
PRUmed
Provides coverage of daily in-patient, ICU and surgery to the insured in the event of undergoing in-patient treatment in a hospital.
PRUhospital & surgical
Provides coverage of in-patient costs, ICU and surgery according to the benefit chosen, for the length of period the insured undergoes treatment in a hospital.
Click here to view hospital providers:
* List of Providers
PRUwaiver 33
In the event the insured suffers one of the 33 critical illnesses, PT Prudential Life Assurance will continue the basic premium payment until the end of the chosen coverage period.
PRUpayor 33
In the event the insured suffers one of the 33 critical illnesses, PT Prudential Life Assurance will continue the premium payment (basic and optional products) until the end of the chosen coverage period.
PRUspouse waiver 33
In the event the spouse of the insured suffers one of the 33 critical illnesses or total and permanent disability before the age of 60 or be deceased, PT Prudential Life Assurance will continue the basic premium payment until the end of the chosen coverage period.
PRUspouse payor 33
In the event the spouse of the insured suffers one of the 33 critical illnesses or total and permanent disability before the age of 60 or be deceased, PT Prudential Life Assurance will continue the premium payment (basic and optional products) until the end of the chosen coverage period.
PRUparent payor 33
In the event the parent of the insured suffers one of the 33 critical illnesses or total and permanent disability before the age of 60 or be deceased, PT Prudential Life Assurance will continue the premium payment (basic and optional products) until the end of the chosen coverage period.
PRUlink term
Added benefit given to the insured should the insured be deceased before the age of 70.
PRUlink investor account
PRUlink investor account is a single premium unit linked product that offers you a range of investment funds choices. Beside that you may have optimum investment return, also this product provides you a comprehensive protections against death risk or total and permanent disability risk.
This product provide you the freedom to choose the investment funds to optimize the investment return, taking into account the Policyholder requirements and risk profile.