Who is eligible to sign up for Prudential's Crisis Defender?
Anyone from either gender who falls between the ages of 19 and 70 years old are eligible to get protection from the Prudential Crisis Defender.
What makes this policy stand out?
There will be a few special benefits when you compliment this product with the Early Crisis Protector. You will receive cover for diabetic complications relating to type 2 diabetic surgery for retinopathy, amputation and severe nepropathy resulting in kidney failure. Together, the Prudiential Crisis Defender and Early Crisis Protector will make sure that you have financial support when you are diagnosed for any one of 82 medical conditions.
How much of my sum assured can I receive when I make a claim?
For the little ones aged 1, 2, 3, 4 and 5 years old, the proportion of the Crisis Defender sum assured amount payable is 20%, 40%, 60%, 80%, and 100% when you are diagnosed with a critical illness. That means for someone above 5 years old, you can potentially receive 100% of your basic sum assured, subject to the severity of the illness.
What are the main features of Prudential's Crisis Defender?
First of all, the Crisis Defender is an optional rider designed to make a one time payment when you are diagnosed with any of the 36 critical illnesses.
Any claims made on this policy will not affect the coverage of your basic plan.Together with the Early Crisis Protector, you will be widely covered for a range of 46 low and medium severity illnesses, conditions and medical procedures, and 36 high severity critical illnesses.You can also make claims on the same of different categories of illness for up to 6 times!
In addition to this, there is no waiting period in between claims. Prudential will play your subsequent claims immediately if you are unfortunate enough to develop another critical illness or if your existing illness deteriorates further.
Premiums: when, how much and how long?
- You will have to pay your premiums throughout the entire duration of the policy.
- The premium that you will need to pay will largely depend on your age, gender and whether you are a smoker.
- You have the option of paying your premiums yearly, half-yearly, quarterly or monthly via auto debit, credit card, cash or cheque.