SUPPLEMENTARY PRODUCTS

Supplementary Insurance Products

Enhance your comprehensive protection

Supplementary Insurance Products Enhance your comprehensive protection

With Supplementary Insurance products, your protection plan is getting even better. Depending on your needs of each stage of life, you can choose to purchase Supplementary insurance products to get additional coverage for your spouse, your children and for your financial future.

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Supplementary Products

SUPPLEMENTARY PRODUCTS

With Supplementary Insurance products, your protection plan is getting even better. Depending on your needs of each stage of life, you can choose to purchase Supplementary insurance products to get additional coverage for your spouse, your children and for your financial future.

Critical illness
Benefits
  • Providing vital financial support should you suffer from critical illness

    The customer is given total peace of mind as treatment with the paid benefit of this supplementary product (rider).

  • Protect you from the common major diseases

    This rider will provide you financial security against the 9 most major diseases.

  • Should the customer unfortunately suffers from one of disease listed in the major disease of this rider as the policy is over 90-day exclusion period and still alive after survival period (30 days), he/she will receive 100% of the Sum Assured of this rider.

    The 9 major diseases list

    • Life Threatening Cancer
    • Stroke
    • Heart Attack
    • End-stage Kidney Failure
    • Major Organ Transplant
    • Fulminant Viral Hepatitis
    • Coma
    • Heart Valve Surgery
    • Non-accident Brain Surgery
Requirements
Criterion requirements
The purchased main product Prulink (Phu-Bao Gia Dau Tu)
Age of entry 18 - 50 years old
Max age of expiry 65 years old
How it works

Ms. A, 30 years old purchased Prulink (Phu-Bao Gia Dau Tu) with the Sum Assured (SA) of VND 500 million and attached 2 riders such as Major disease (*) with SA of VND 200 mil and Major disease waiver to increase the protection. She unfortunately suffers from a stroke at the age of 33; Prudential will pay her as the follow:

Supplementary Products

(*) When customers buy Major disease, they must attach with Major disease waiver.

Benefits

Critical illness supplementary product (rider) will provide customers with financial support if the Life Assured (LA) is unfortunately diagnosed with one of the diseases in the critical illness list of this product such as: Stroke, Heart Attack, Cancer, Kidney Failure, etc. There are a total of 25 and 29 Critical illnesses respectively for male and female LA (*).

  • In the event that a critical illness is diagnosed: (after 90-day exclusion period)

    Prudential shall pay the Sum Assured (SA) of the "Critical illness rider" to cover the treatment's expenses while the basic product and other supplementary products (if any), will be still in force.

  • Upon the death of the Life Assured due to any reasons: (and if there is no prior claim for Critical illness rider)

    Prudential shall pay the SA of the Critical illness rider apart from the benefit of the basic product and any other supplementary products.

(*) The critical illness list is stipulated in Terms and Conditions of this supplementary product.

Requirements
Criterion requirements
One of the purchased main products

New Universal Life (Phu-Toan An Phuc)

Pru Triple Education (Phu-An Gia Thanh Tai)

Pru Smart Saver (Phu-Hung Thinh)

Pru Cash Double (Phu-An Gia Tich Luy Dinh Ky)

Whole Life (Phu-Truong An)

Enhanced Pru Save (Phu-An Khang Huu Tri)

Age of entry 18 - 50 years old
Max age of expiry 65 years old
How it works

Ms. A, 28 years old, purchased a Whole life product (Phu-Truong An) with the Sum Assured (SA) of VND 500 million and attached Critical illness rider covering of VND 200 million SA with policy term of 37 years. In case, Ms. A suffers a stroke, Prudential will pay to Ms. A as below:

Supplementary Products

Benefits

Accelerated critical illness supplementary product (rider) will provide customers with financial support to treat 25 and 29 critical illnesses (*) respectively for male and female Life Assured (including common critical illnesses such as Cancer, Heart Attack, Stroke, Kidney Failure, etc. Together with the medical advances, the Accelerated critical illness rider will finance you to bring opportunity of recovery or to prolong your life.

  • If the customers suffer from one of the diseases in the critical illness list after the 90-day exclusion period, they will be paid in advance a portion (with the rate chosen by customers) of main product's benefit. This payment is a necessary financial resource to help customer to cover treatment's expenses (**).
  • After the rider's benefit is paid, its Sum Assured and premium rate having to pay to main product will be declined by a proportion accordingly and the main product is still in force.

(*) The critical illness list is stipulated in Terms and Conditions of this rider.

(**) In all cases, the paid amount will not exceed death benefit of the purchased main product.

Requirements
Criterion requirements
One of the purchased main products

Pru Smart Saver (Phu-Hung Thinh)

Pru Cash Double (Phu-An Gia Tich Luy Dinh Ky)

Whole Life (Phu-Truong An)

Enhanced Pru Save (Phu-An Khang Huu Tri)

Age of entry 18 - 60 years old
Max age of expiry 65 years old
How it works

Mr. B, 34 years old, purchased a Whole life policy (Phu-Truong An) with the Sum Assured (SA) of VND 200 million and attached Accelerated critical illness supplementary product (rider).

  • If Mr. B chooses to be paid at the amount of 70% of the SA and Mr. B unfortunately suffers from critical illness at the 7th policy year, the amount he will receive as below:

    Supplementary Products

  • If Mr. B chooses 100%...

    Supplementary Products

Accident
Benefits

If the Life Assured dies within 180 days since the accident since the accident happened as policy is in force, apart from the benefit of main product, the customer will be paid at a lump sum of Sum Assured (SA) as detailed in Life Insurance Certificate of this supplementary product (rider).

Requirements
Criterion requirements
One of the purchased main products

New Universal Life (Phu-Toan An Phuc)

Pru Smart Saver (Phu-Hung Thinh)

Pru Cash Double (Phu-An Gia Tich Luy Dinh Ky)

Whole Life (Phu-Truong An)

Prulink (Phu-Bao Gia Dau Tu)

Enhanced Pru Save (Phu-An Khang Huu Tri)

Pru Triple Education (Phu-An Gia Thanh Tai)

Age of entry 18 - 60 years old
Max age of expiry 65 years old
How it works

Mr. A, 30 years old, purchased Pru Cash Double (Phu-An Gia Tich Luy Dinh Ky) with the Sum Assured (SA) of VND 100 million, policy term of 12 years and attached Accidental Death Benefit supplementary product (rider) with the same SA and policy term.

  • Death benefit illustration:

    If Mr. A dies for accident at the age of 33, Prudential will pay VND 100 million and Reversionary Bonus (RB) at the time of death of Pru Cash Double and VND 100 million of Accidental death benefit.

    Supplementary Products

Benefits

Accidental death and dismemberment (ADD) will bring the customers broader coverage and higher benefit to protect against risks caused by accident.

  • The case that Life Assured is disabled due to accident

    In case the Life Assured (LA) is disabled due to an accident, the policyholder will be paid a percentage of the Sum Assured (SA) equivalent to a dismemberment ratio. The maximum compensation is up to 100% of SA for this rider.

    If LA is disabled due to an accident, Prudential shall pay as the following chart:

    Dismemberment status The paid percentage of SA
    Both arms 100%
    Both legs 100%
    Eyesight of both eyes 100%
    One arm and one leg 100%
    One arm (or one leg) and one eye 100%
    One arm 50%
    One leg 50%
    Eyesight of one eye 50%
    Both ears hearing 50%
    Both thumbs 25%
    One ear hearing 10%
  • The case that Life Assured is third degree burns to 20% of the body surface area due to an accident

    The customer will be paid 100% of the SA for this supplementary product in case the LA is third degree burns to 20% of body surface area due to an accident. (*)

  • The case that Life Assured dies due to an accident

    In case the LA dies for accident while the policy is still in force. The beneficiary will receive full SA of this rider, within 180 days from the date of accident. (*)

    • This SA will be doubled if the LA dies for accident while traveling by public transportation such as a bus or a train.
    • This SA will be tripled if the LA dies due to accident while traveling as a passenger on a plane.

(*) In case the benefit of dismemberment for accident is paid previously, the paid amount will be the balance remaining on this supplementary product.

Requirements
Criterion requirements
One of the purchased main products

New Universal Life (Phu-Toan An Phuc)

Pru Smart Saver (Phu-Hung Thinh)

Pru Cash Double (Phu-An Gia Tich Luy Dinh Ky)

Whole Life (Phu-Truong An)

Prulink (Phu-Bao Gia Dau Tu)

Enhanced Pru Save (Phu-An Khang Huu Tri)

Pru Triple Education (Phu-An Gia Thanh Tai)

Age of entry 15 - 60 years old
Max age of expiry 65 years old
How it works

Mr. A, 30 years old purchased Pru Cash Double (Phu-An Gia Tich Luy Dinh Ky) with the Sum Assured (SA) of VND 100 million, policy term of 18 years and attached Accidental death and dismemberment supplementary product (ADD) with the same SA and policy term. Mr. A's purchasing insurance illustration summary as the following:

Supplementary Products

The age of expiry of Pru Cash Double and ADD is 48 years old

The policy term of Pru Cash Double is 18 years

The premium term of ADD is 18 years

  • Death benefit illustration:

    If Life Assured (LA) dies in a train accident at the age of 35, Prudential will pay benefit of Pru Cash Double including VND 100 mil and Reversionary Bonus (RB) at the time of LA's death of and VND 200 mil of ADD (Double benefit due to train accident).

    Supplementary Products

  • Death and Dismemberment benefit illustration:

    If the LA loses hearing in one ear at the age of 32, Prudential will pay VND 10mil (equivalent 10% of SA) of ADD.

    Then the LA dies in train accident at the age of 35, Prudential will pay benefit of Pru Cash Double including VND 100mil + RB at the time of LA's death and VND 180mil of ADD (double remaining SA of ADD after deducting the reimbursement due to train accident).

    Supplementary Products

Hospital care
Benefits
  • Hospitalization expenses support

    Our comprehensive package provides support for hospital treatment to overcome diseases with 3 basic benefits:

    • Daily hospitalization benefit: will finance the daily hospitalization expenses equal to Sum Assured (SA) and with a maximum of 100 days accumulated to every policy year.
    • Intensive care unit benefit: apart from the benefit as mentioned above, the customers will be supported 100% of SA per day in the intensive treatment and max financed day is 30 days accumulated to every policy year.
    • Surgical benefit: the customers will be received 5 times of SA for each surgery case.
  • Simple and suitable payment method

    The customer will be paid the benefit based on the actual hospitalization days but the length of stay must not exceed the total days for individual disease as stipulated in the Terms and Conditions of this supplementary product.

Requirements
Criterion requirements
One of the purchased main products All main products
Age of entry 6 - 55 years old
Max age of expiry 65 years old
How it works
  • Daily hospitalization benefit illustration

    Example 1: Mr. An chooses hospital care supplementary product (rider) with Sum Assured (SA) of VND 200,000. After the 30 day exclusion period, Mr. An is hospitalized due to intestinal disease on 1 Jan and he is discharged on 5 Jan.

    • Mr. An's length of stay: 4 days
    • The benefit Mr. An will receive:
      VND 200,000 x 4 days = VND 800,000

    Example 2: Same as example 1, but Mr. An is hospitalized due to a recurrence of the illness (in example 1) on 25 Jan and discharged on 28 Jan.

    • Mr. An's length of stay: 3 days
    • The benefit An will receive:
      VND 200,000 x 3 days = VND 600,000

    Example 3: Same as example 1, but Mr. An is hospitalized due to pneumonia and is discharged on 8 Feb.

    • Mr. An's length of stay: 14 days
    • The benefit Mr.An will receive:
      VND 200,000 x 10 days = VND 2,000,000 (based on the hospitalization limit of 10 days at hospital for the pneumonia)

    The maximum total number of allowable day's hospitalization in any policy year is 100 days.

    If the customer chooses Hospital care rider with the SA of VND 200,000, the hospitalization benefit max for a year: VND 200,000 x 100days = VND 20,000,000.

  • Intensive care unit illustration Mr. Binh purchased Hospital care rider with the SA of VND 400,000. Binh suffers a heart attack and Binh is hospitalizes on 1 Jan. His illness becomes serious on 5 Jan, so he is transferred to intensive care (based on the hospitalization limit, the heart attack is just paid max for 12 days at hospital). He begins to recover on 11 Jan and he is transferred to cardiology. Finally, he is discharged on 15 Jan.

    Supplementary Products

    • Mr. Binh's length of stay: 14 days
    • Mr. Binh's length of stay in the intensive treatment: 6 days
    • The benefit Binh will receive: VND 7,200,000
      • Daily hospitalization: VND 400,000 x 12 days = VND 4,800,000
      • Intensive care unit: VND 400,000 x 6 days = VND 2,400,000

    The maximum total number of allowable days in any policy year for intensive care treatment is 30 days.

  • Surgical benefit illustration

    Mr. Tam purchased a Hospital care rider with the SA of VND 400,000. Tam is hospitalized for an appendectomy on 1 Jan and he is discharged on 8 Jan.

    Supplementary Products

    • Mr. Tam's length of stay: 7 days
    • The benefit Tam wil receive: VND 4,800,000
      • Daily hospitalization: VND 400,000 x 7 days = VND 2,800,000
      • Intensive care unit: VND 400,000 x 5 days = VND 2,000,000
Benefits

This product will give you and your family a peace of mind with the medical expenses during hospitalization, as well as before and after hospitalization. If the treatment is medically necessary and the costs are justified as reasonable, Prudential will pay 80% of billable cost depending on the plan chosen by the customer when purchasing the policy as follow:

  • Hospitalization Benefits

    Hospitalization Benefits Economy Standard Superior Deluxe
    (a) Daily Hospitalization
    (max 100 days per year)
    Up to VND 200,000 per day Up to VND 350,000 per day Up to VND 500,000 per day Up to VND 1,000,000 per day
    (b) Hospitalization in Intensive Care Unit (ICU)
    (max 30 days per year)
    Up to VND 200,000 per day Up to VND 700,000 per day Up to VND 1,000,000 per day Up to VND 2,000,000 per day
    (c) Miscellaneous Hospitalization Services (*) Up to VND 1,000,000 per admission Up to VND 1,750,000 per admission Up to VND 2,500,000 per admission Up to VND 5,000,000 per admission

    (*) Miscellaneous includes the cost of medicine prescription, dressings & materials, equipment supplied, laboratory testing and imaging diagnosis and specialist consultation fee.

  • Pre and post hospitalization benefits

    Economy Standard Superior Deluxe
    Up to VND 500,000 per admission Up to VND 800,000 per admission Up to VND 1,100,000 per admission Up to VND 2,000,000 per admission

    Expense support pre and post hospitalization benefit includes medicines, consultations, physiotherapy, diagnostic and laboratory tests services.

  • Surgical benefits

    Economy Standard Superior Deluxe
    Up to VND 2,000,000 per admission Up to VND 3,500,000 per admission Up to VND 5,000,000 per admission Up to VND 10,000,000 per admission

    For Day surgery, the surgery that do not require the patient to stay in the hospital, Prudential shall reimburse more 80% of total costs including drugs charge, equipment supplied, Laboratory testing, Imaging diagnosis and Specialist consultation.

  • Emergency Overseas Medical Treatment benefits

    Economy Standard Superior Deluxe
    Up to VND 4,000,000 per admission Up to VND 7,000,000 per admission Up to VND 10,000,000 per admission Up to VND 20,000,000 per admission
  • Limitation of benefits per year and during the whole term of this rider is provided in the table below:

    Limit Economy Standard Superior Deluxe
    Policy year limit VND 20 mil VND 35 mil VND 50 mil VND 100 mil
    Lifetime limit VND 200 mil VND 350 mil VND 500 mil VND 1 bil

    Note

    • The above benefits are paid only if they meet the requirements and definitions of the Terms and Conditions of this rider.
    • Emergency overseas medical treatment benefit will not be paid if the Life Assured (LA) is abroad from 90 consecutive days or more.
    • When the costs related to inpatient hospital treatment or surgery of LA has been paid by Health insurance, Prudential will pay 100% of remaining costs but not exceed maximum of the selected plan.
    • Same admission means all Hospitalizations which arise from the same Illness or Injury as that of the previous Hospitalization (including all complications therefrom) and which is within 60 days following the latest discharge date should be considered as the same admission. Same admission is applied to calculate the maximum benefit payable per admission.
    • Economy, Standard, Superior and Deluxe plan is Plan A, Plan B, Plan C, and Plan D respectively, as specified in the Terms and Conditions of this rider.
Requirements
Criterion requirements
One of the purchased main products

Pru Triple Education (Phú-An Gia Thành Tài)

Enhanced PruSave (Phú-An Khang Hưu Trí)

Pru Cash Double (Phú-An Gia Tích Lũy Định Kỳ)

New Universal Life (Phú-Toàn Gia An Phúc)

Pru Smart Saver (Phú-Hưng Thịnh)

Whole Life (Phú-Trường An)

Health Assured (Phú-An Bình)

Age of entry 6 - 50 years old
Max age of expiry 65 years old
How it works

Mr. An is hospitalized due to a surgery during a period of 8 days, including 2 days in ICU. He previously purchased an H&S rider - Option B. If he doesn't claim from State Health Insurance previously, Prudential will pay him as follow:

    The actual expense 80% of the actual expense The amount Prudential will pay (*)
Pre hospitalization A prescription of medicine before hospitalization VND 300,000 VND 240,000 VND 240,000
Examination, X-ray and diagnosis VND 1,300,000 VND 1,040,000 VND 1,040,000
Hospitalization Surgery expense VND 4,500,000 VND 3,600,000 VND 3,500,000
Hospitalization days (including accommodations & meals) 06 hospitalization days (VND 350,000 / day) + 02 intensive care days (VND 700.000 / day) = VND 3,500,000 VND 2,800,000 VND 2,800,000
Post hospitalization The post hospitalization costs (consultations, blood test, medicine) VND 400,000 VND 320,000 VND 320,000
Total costs reimbursed by Prudential VND 10,000,000 VND 8,000,000 VND 7,900,000

(*) Insurance benefit is equal to 80% of actual costs incurred but not exceeds the limits of the plan selected and paid when the LA fully implement the claim procedures specified in the Terms and Conditions of this rider.

Benefits

PruKids is an outstanding solution providing protection benefit for children against the risk of critical illness or accident

Prudential will pay 120% of the Sum Assured (SA) to cover treatment expenses for common critical illness in children (the illness as detailed in list below), if the Life Assured (LA) is still alive at least 30 days since the date of critical illness diagnosis result.

  • The standard benefit:

    If the Life assured is diagnosed as suffering from any one of the Children's illnesses below:

    • Cancer
    • Type I Diabetes
    • Heart Surgery
    • Brain Surgery
    • Major Organ Transplant

    - Prudential will pay 20% of the SA as soon as there is positive diagnosis of a critical illness.

    - Prudential will pay 100% of SA if the LA is still alive at least 30 days after the date of critical illness diagnosis result.

  • Optional benefit 1:

    Accidental benefit. Please refer to the below payment chart according to ratio:

      The paid percentage of SA
    Partial or total dismemberment due to accident (*) 100%
    Both eyes vision 100%
    Both arms 100%
    Both legs 100%
    One eye vision and one arm 100%
    One eye vision and one leg 100%
    One arm and one leg 100%
    One eye vision 50%
    One arm 50%
    One leg 50%
    Severe burn due to accident 100%
    Death due to accident (*) 100%

    (*) Within 180 days since accident happens.

  • Optional benefit 2:

    The return of premium benefit at maturity.

    Upon the expiry date of the Rider, Prudential will refund 100% of total premium paid for this supplementary product, without interest.

Requirements
Criterion requirements
One of the purchased main products

New Universal Life (Phu-Toan An Phuc)

Health Assured (Phu-An Binh)

Pru Triple Education (Phu-An Gia Thanh Tai)

Pru Smart Saver (Phu-Hung Thinh)

Pru Cash Double (Phu-An Gia Tich Luy Dinh Ky)

Age of entry 30 days old - 15 years old
Max age of expiry 25 years old
How it works
  • The standard benefit:

    Mr. A, 30 years old purchased Health Assured (Phu-An Binh) with the Sum Assured (SA) of VND 100 million, policy term of 20 years and attached PruKids supplementary product (rider) for his 5-year old daughter, B, with SA of VND 100 mil, policy term of 15 years. Three years later, B suffers from a critical illness and the below illustration details the benefit will pay:

    Supplementary Products

  • Optional benefit 1 (accidental benefit):

    The case the kid lost one arm due to accident and the doctor diagnosed the kid also suffers from critical illness later on. Then, if the kid is still alive after 30 days,

    Supplementary Products

  • Optional benefit 2 (The return of premium benefit at maturity):

    If the kid loses one arm and she is still alive until the end of this policy.

    Supplementary Products

    The return of premium benefit will be carried out if this rider is still in force until maturity.

Financial Support
Benefits

If the policyholder (parents or legalized guardian) unfortunately dies or becomes Total and Permanent Dismemberment, the main product of Life Assured (kid) and other riders (if any) are still in force without further premium payment treatment expense.

Requirements
Criterion requirements
One of the purchased main products

New Universal Life (Phu-Toan An Phuc)

Whole Life (Phu-Truong An)

Pru Cash Double (Phu-An Gia Tich Luy Dinh Ky)

Pru Smart Saver (Phu-Hung Thinh)

Age of entry 18 - 60 years old
Max age of expiry 65 years old
How it works

Mr. A, 30 years old purchased Pru Cash Double (Phu-An Gia Tich Luy Dinh Ky) for the 6-month kid with Sum Assured (SA) of VND 120 million, policy term of 20 years. In mean time, Mr. A also attached Waiver of premium supplementary product (rider) with 20 years term. Three years later, he unfortunately suffers from Total and Permanent Dismemberment (TPD) due to accident and the benefit illustration as the following:

Supplementary Products

Benefits

If the policyholder (parents or legalized guardians) unfortunately dies or suffers from Total and Permanent Dismemberment, the customer will be received 100% of the Sum Assured (SA) of this supplementary product (rider) on every anniversary date since the accident event happened until this rider expires.

Requirements
Criterion requirements
One of the purchased main products

New Universal Life (Phu-Toan An Phuc)

Pru Smart Saver (Phu-Hung Thinh)

Pru Cash Double (Phu-An Gia Tich Luy Dinh Ky)

Whole Life (Phu-Truong An)

Age of entry 18 - 55 years old
Max age of expiry 65 years old
How it works

Mr. Hai, 30 years old purchased Pru Cash Double for his 6-month old child with Sum Assured (SA) of VND 120 million, 20 years of policy term and attached Juvenile Dependent Support rider (supplementary product) with SA of VND 12 mil (10% of main product's SA), and policy term of 20 years and Juvenile Dependent Support Waiver. Three years later, Mr. Hai unfortunately suffers Total and Permanent Dismemberment (TPD) due to accident. The benefit illustration Mr. Hai will receive:

Supplementary Products

(*) When customers buy Juvenile Dependent Support, they must attach with Juvenile Dependent Support Waiver.

Benefits
  • If the Life Assured (LA) of this supplementary product (rider) dies or totally and permanently disables, customers will receive 100% of Sum Assured (SA) of this rider on every anniversary date since the accident event happens until the rider expires.
  • This rider is always attached to Spouse waiver supplementary product.
Requirements
Criterion requirements
One of the purchased main products

New Universal Life (Phu-Toan An Phuc)

Pru Smart Saver (Phu-Hung Thinh)

Pru Cash Double (Phu-An Gia Tich Luy Dinh Ky)

Enhanced PruSave (Phu-An Khang Huu Tri)

Pru Triple Education (Phu-An Gia Thanh Tai)

Age of entry 18 - 55 years old
Max age of expiry 65 years old
How it works

Mr. Nhan, 30 years old purchased Pru Triple Education (Phu-An Gia Thanh Tai) with VND 120 million of Sum Assured (SA), policy term of 20 years and attached Spouse dependent support supplementary product (rider) with VND 12 million of SA, 15 years of policy term and Spouse waiver to his wife, 30 years old. Three years later, his wife unfortunately totally and permanently disables (TPD).

Supplementary Products

(*) When customers buy Spouse Dependent Support, they must attach with Spouse Waiver.

Benefits
  • If the Life Assured (LA) of this supplementary product (rider) unfortunately dies or totally and permanently disables, the main product of LA and other riders (if any) are still in force without premium payment.
  • The customer will receive full benefit of the policy he/she purchased.
Requirements
Criterion requirements
One of the purchased main products

New Universal Life (Phu-Toan An Phuc)

Pru Smart Saver (Phu-Hung Thinh)

Pru Cash Double (Phu-An Gia Tich Luy Dinh Ky)

Enhanced PruSave (Phu-An Khang Huu Tri)

Pru Triple Education (Phu-An Gia Thanh Tai)

Whole Life (Phu-Truong An)

Age of entry 18 - 60 years old
Max age of expiry 65 years old
How it works

Mr. Nhan, 30 years old purchased Pru Triple Education (Phu-An Gia Thanh Tai) with Sum Assured (SA) of VND 120 million, policy term of 20 years, premium term of 16 years and attached Spouse waiver supplementary product (rider). Three years later, his wife, 29 years old unfortunately totally and permanently disables (TPD). Below is the benefit illustration Mr. Nhan will receive as he purchases Spouse waiver rider.

Supplementary Products

Benefits

If the Life Assured (LA) unfortunately suffers one of the diseases in the critical illness list of this product during in-force period of this rider, the policyholder will be exempted the rest of premium for the purchased main product and other supplementary products (riders) (if any) from the date of diagnosis result of critical illness to the expiry date of this rider, provided that the policyholder fully submits all required documents according to Terms and Conditions of this rider.

Requirements
Criterion requirements
One of the purchased main products

New Universal Life (Phu-Toan An Phuc)

Pru Triple Education (Phu-An Gia Thanh Tai)

Pru Smart Saver (Phu-Hung Thinh)

Pru Cash Double (Phu-An Gia Tich Luy Dinh Ky)

Whole Life (Phu-Truong An)

Enhanced Pru Save (Phu-An Khang Huu Tri)

Age of entry 18 - 50 years old
Max age of expiry 65 years old
How it works

Ms. Phan Thi A, 40 years old, purchased Enhanced Pru Save (Phu-An Khang Huu Tri) with VND 100 million of the Sum Assured (SA) and attached Critical illness waiver supplementary product (rider).

The benefit illustration as suffered critical illness after 90-day exclusion period

If Ms. A unfortunately suffers critical illness at the age of 50, the premium payment will be exempted until the rider expiries.

Supplementary Products

Benefits
  • The main product and other supplementary products (riders) (if any) will be waived premium till the expiry of this rider if the Life Assured (LA) unfortunately suffers from one of the diseases in the critical illness list of this rider and is still alive at least 30 days since there is the critical illness diagnosis result.
  • The 9 critical illnesses list :
    • Life threatening cancer
    • Stroke
    • Heart attack
    • End-stage kidney failure
    • Fulminant viral hepatitis
    • Coma
    • Heart valve surgery
    • Major organ transplant
    • Non-accident brain surgery
Requirements
Criterion requirements
The purchased main product Prulink (Phu-Bao Gia Dau Tu)
Age of entry 18 - 50 years old
Max age of expiry 65 years old
How it works

Ms. A, 30 years old purchased Prulink (Phu-Bao Gia Dau Tu) with Sum Assured (SA) of VND 500 million and attached Major disease waiver supplementary product (rider). She unfortunately suffers stroke at the age of 35, Prudential will pay her like the following:

Supplementary Products

Death and total permanent dismemberment
Benefits
  • The case the Life Assured dies

    If the Life Assured dies while policy is in force and there is no prior compensation for total and permanent dismemberment (TPD), the customers will be paid Sum Assured (SA) noted in Life Insurance Certificate.

  • The case the Life Assured totally and permanently disables

    If the Life Assured totally and permanently disables while policy is in force, Prudential will pay Sum Assured (SA) noted in Life Insurance Certificate for 10 annual installments since the TPD happens. Each installment is one tenth of total amount Prudential will pay.

    The unpaid installments (till the policy expires or the LA dies) will be paid one time.

Requirements
Criterion requirements for Level term
One of the purchased main products

Prulink (Phu-Bao Gia Dau Tu)

New Universal Life (Phu-Toan An Phuc)

Pru Triple Education (Phu-An Gia Thanh Tai)

Pru Smart Saver (Phu-Hung Thinh)

Pru Cash Double (Phu-An Gia Tich Luy Dinh Ky)

Whole Life (Phu-Truong An)

Enhanced Pru Save (Phu-An Khang Huu Tri)

Age of entry 18 - 60 years old
Max age of expiry 65 years old
Criterion requirements for Level term for kid
The purchased main product

Pru Triple Education (Phu-An Gia Thanh Tai)

Pru Cash Double (Phu-An Gia Tich Luy Dinh Ky)

Age of entry 0 - 17 years old
How it works

The Level term benefit illustration

Mr. B, 30 years old purchased Pru Smart Saver (Phu-Hung Thinh) with Sum Assured of VND 120 million (SA), policy term of 20 years and attached Level term supplementary product (rider) with SA of VND 100 million. Three years later, Mr. B unfortunately dies for accident.

Supplementary Products

The Level term for kid benefit illustration

Mr. B, 35 years old purchased Pru Cash Double (Phu-An Gia Tich Luy Dinh Ky) with Sum Assured (SA) of VND 120 million, policy term of 20 years and attached Level term for kid supplementary product (rider) for his 5-year old son with SA of VND 100 million. Three years later, his son is unfortunately totally and permanently disables (TPD).

Supplementary Products

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Disclaimer

Supplementary Products are products manufactured by Prudential Vietnam Assurance Private Limited (Prudential). They are not bank deposits or obligations of, or guaranteed by Citibank N.A, Vietnam or any of its subsidiaries, group companies or affiliates.

Citibank N.A, Vietnam is not responsible or liable for any product and service offered by Prudential. Prudential is the insurance underwriter of this insurance product and is solely responsible for all insurance and compensation related matters. Prudential assumes full responsibility for the contents of the product's leaflets which is for reference only. Please refer to product's brochures, Benefit illustration and Policy wording for more details.