Protection Insurance Overview

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Find out more about the suite of comprehensive protection plans for life insurance protection.

For more information, speak to a UOB Personal Banker.
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Life

PRUlife
Whole life protection for a greater peace of mind
Benefits
  • Protection against Death, Terminal Illness1 and Total and Permanent Disability1
  • Accumulates cash values during course of policy
  • Allows increase of coverage at life's major milestones
Who is it for?
  • Individuals seeking basic insurance coverage with a savings element
  • Parents with children seeking basic insurance cover
  • Age between 20 and 45 years old
PRUterm Basic
Term life protection customized for individual needs
Benefits
  • Term protection against Death, Terminal Illness1 and Total and Permanent Disability1
  • Available for term of 10 to 45 years up to age 75
  • Available as a stand-alone plan or as a rider to your main insurance plan
  • Allows increase of coverage at life's major milestones
Who is it for?
  • Individuals seeking high protection coverage and willing to commit to long term
  • Age between 25 to 40 years old
PRUlife Limited Pay
Whole life protection with shorter premium payment term options
Benefits
  • Choice of shorter policy premium payment term options of 10, 15 or 25 years
  • Protection against Death, Terminal Illness1 and Total and Permanent Disability1
  • Accumulates cash values during course of policy
  • Allows increase of coverage at life's major milestones
Who is it for?
  • Individuals seeking basic insurance coverage with a savings element
  • Individuals with higher disposable income or have concerns about their ability to pay premiums in the future
  • Age between 20 and 45 years old
PRUterm Vantage
Term life protection suitable for locals and foreigners
Benefits
  • Term protection against Death and Terminal Illness1
  • Available for term of 10 years and above, up to 100 years of age
  • Available in SGD or USD
  • Non-Singaporeans and PR are eligible to sign up
Who is it for?
  • Individuals seeking high protection coverage
  • Age between 40 to 55 years old
  • Foreigners
PRUlife Vantage
Single Premium whole life protection
Benefits
  • Lifetime protection against Death and Terminal Illness1 up to age 65.
  • Single Premium, starting from S$100,000
  • Sum assured is a multiple of the amount invested
  • Accumulates cash values immediately from the time you invest
Who is it for?
  • Individuals seeking high protection coverage with an element of investment
  • Age between 20 to 50 years old
PRUterm Total Refund
Term life protection with premiums back
Benefits
  • 10 years premium paying term for 20 years protection against Death, Terminal Illness1 and Total and Permanent Disability1
  • Receive premiums paid back when policy expires at the end of 20 years
  • Lump sum payout plus premium refund in the event of Death, Terminal Illness1 and Total and Permanent Disability1
Who is it for?
  • Working adults seeking protection during their employment years
  • Individuals who prefer limited pay term plans

Health

PRUshield
Comprehensive medical coverage1 for greater peace of mind
Benefits
  • Medical insurance plan offering comprehensive coverage
  • Medisave-approved, annual premiums can be paid through medisave account
  • Covers both hospitalization and outpatient medical expenses
  • Guaranteed renewable annual premium plan for lifetime coverage
Who is it for?
  • Individuals seeking medical coverage beyond Basic MediShield
  • Age between 0 to 55 years old
PRUshield Extra
Additional coverage designed to complement PRUshield plan
Benefits
  • Cash premium plan that complements PRUshield with extensive medical coverage
  • Enjoy coverage from the first dollar
  • Guaranteed renewable premium plan for lifetime coverage
Who is it for?
  • Individuals seeking to complement their PruShield coverage
  • Age between 0 to 55 years old
PRUmedical Cash
Receive daily income for additional expenses when you are hospitalised
Benefits
  • Provides financial support for loss of income due to various medical expenses
  • Daily income protection of up to $5001 for each day of hospitalisation
  • Pays on top of an existing hospital or medical plan
  • Payable daily cash benefits while hospitalised overseas for an emergency medical condition
Who is it for?
  • Self-employed individuals
  • Individuals seeking to increase the medical coverage, in addition to their current Shield plans
  • Age between 0 to 45 years old
PRUsmart lady II
Comprehensive medical protection every women needs
Benefits
  • Lump sum payout upon diagnosis of selected major female illnesses
  • Covers selected treatment expenses for a variety of female related procedures
  • Comprehensive female medical checkup every two years
Who is it for?
  • Females seeking female illnesses coverage
  • Age between 16 – 45 years old
PRUparent
Protection plan for your parents health and long-term care
Benefits
  • Provides financial protection against death and living benefits1 such as hospital and long term care
  • Covering medical treatment and hospitalization expenses until they are 85 years of age
  • Provides monthly income to supplement daily living expenses
Who is it for?
  • Individuals seeking hospitalisation, surgical and long term care benefits
  • Age 45 years old and above
PRUfirst gift
Protection for your child even before he is born
Benefits
  • Covers expectant mother against possible Pregnancy Complications1 as well as Death, Terminal Illness and Disability1 before childbirth
  • Covers newborn against selected Congenital Illnesses1 as well as Death, Disability and Terminal Illness1
  • Protection with flexibility to provide for your child's education and savings needs
Who is it for?
  • Expectant mothers looking for comprehensive coverage against pregnancy complications
  • Expectant mothers who want to give her child a head start in life by providing him or her with insurance coverage

Accident

PRUaccident cover III
Ensures you have sufficient resources to cope with any circumstances that may arise from unexpected accidents
Benefits
  • Fixed Death Benefit (arising from all causes) of $3,000
  • Protection against death, accidental death and dismemberment up to age 75
  • Pays one lump sum if the life assured dies from an accident
Who is it for?
  • Young working adults seeking accidental coverage with low premiums
  • Full-time national servicemen
  • Age between 0 to 45 years old
PRUfracture care
Comprehensive protection for minor to major accidental injuries
Benefits
  • Provide financial support for medical treatment and also other incidental expenses
  • Double the payout for severe fractures and burns caused by accident when travelling on public conveyance
  • Reimbursement for house fitting expenses and purchase or rental of mobility aids
Who is it for?
  • Individuals with existing basic Personal Accident policy looking out for enhancing their coverage
  • Individuals seeking to purchase a protection policy for their senior parents or their young children
  • Age between 1 to 65 years old

Critical Illness

PRUearly stage crisis cover
Ensures you have sufficient resources to cope with any circumstances that may arise from unexpected accidents
Benefits
  • Fixed Death Benefit (arising from all causes) of $3,000
  • Protection against death, accidental death and dismemberment up to age 75
  • Pays one lump sum if the life assured dies from an accident
Who is it for?
  • Individuals seeking early stage illness protection on standalone plan basis
  • Age between 0 to 55 years old
PRUmultiple crisis cover
First-ever multiple protection plan1 in Singapore for greater protection
Benefits
  • Up to THREE critical illness claims, inclusive of TWO cancer claims
  • Waiver of all future premiums upon the first critical illness claim and upon total and permanent disability
  • Flexible policy term of 20-98 years, up to age 99
Who is it for?
  • Individuals who are concerned with their insurability after a critical illness episode
  • Individuals with no critical illness coverage
  • Age between 30 to 45 years old

Disability

PRUearly stage disability
Ensures you have sufficient resources to cope with any circumstances that may arise from unexpected accidents
Benefits
  • Fixed Death Benefit (arising from all causes) of $3,000
  • Protection against death, accidental death and dismemberment up to age 75
  • Pays one lump sum if the life assured dies from an accident
Who is it for?
  • Individuals seeking protection against partial and temporary disability on standalone plan basis
  • Age between 0 to 55 years old

Mortgage

PRUmortgage
Ensures you have sufficient resources to cope with any circumstances that may arise from unexpected accidents
Benefits
  • Fixed Death Benefit (arising from all causes) of $3,000
  • Protection against death, accidental death and dismemberment up to age 75
  • Pays one lump sum if the life assured dies from an accident
Who is it for?
  • HDB and private property owners
  • Individuals with high financial commitments and seeking coverage for their family against financial liabilities

Notes
  1. Terms and conditions apply. Please speak to a UOB Personal Banker for more details.
Important Notice and Disclaimers
Buying a life insurance policy is a long term commitment. An early termination of the policy usually involves high costs and the surrender value payable (if any) may be less than the total premiums paid. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. This marketing material is not a contract of assurance nor is it intended as an offer or recommendation with respect to the purchase or sale of the above product.
Acceptance of the proposal is subject to underwriting. The precise terms and conditions of the above product are specified in the policy. The above is for general information only and does not have any regard to your specific investment objectives, financial situation and any of your particular needs. You may wish to seek advice from a financial adviser before making a commitment to purchase this product. In the event that you choose not to seek advice from a financial adviser, you should consider carefully whether this product is suitable for you. In case of inconsistency between the English and Chinese versions, the English version shall apply and prevail. United Overseas Bank Limited does not hold itself out to be an insurer, insurance broker or insurance agent. The insurance products and services stated herein are provided by Prudential Assurance Company Singapore (Pte) Limited. This material is not required to be reviewed or endorsed by the Monetary Authority of Singapore.

This policy is protected under the Policy Owners' Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact your insurer or visit the Life Insurance Association (LIA) or SDIC web-sites (www.lia.org.sg or www.sdic.org.sg).

United Overseas Bank Limited Co. Reg. No. 193500026Z
Prudential Assurance Company Singapore (Pte) Limited Reg. No. 199002477Z