Terms & Conditions
You can also add extra plans to
strengthen your coverage. Choose
from plans that:
Product benefits
Financial protection that covers your health and wealth needs.
Extra Plans
Pay you a lump sum upon diagnosis of critical illness:
- CriticalCare+
Pay your premiums if you have a critical illness:
Critical Care Waiver of Premium
Pay you a lump sum upon TPD or death:
Safety +
Parent Coverage Benefit
Pay you and your family annual income upon TPD or death:
Family Income Benefit
An insurance plan that prioritizes your child's future and provides your loved ones peace of mind.
PRUអនាគតកូនខ្ញុំ is a life insurance plan that provides you with protection against critical illness, death or Total and Permanent Disability (TPD) while buidling a saving fund for your child’s education.
About your plan
| How old must the life assured (the person covered by the plan) be when the plan starts? | 18 – 50 years old (age at last birthday) |
| How long does the coverage last? | 10, 12, or 15 years |
| How much does it cost (your premium)? |
This assumes that you are an 18 years old individual ( healthy and doesn't smoke ) who buys a $4,000 policy basic plan with all riders at 100% base plan for 15 years term. Note: Remember that the younger and healthier you are, the cheaper it is for you to buy an insurance. |
| What’s the minimum amount of coverage? | $4,000 |
| What’s the maximum amount of coverage? | Subject to underwriting |
| How can I pay my premiums? | You can pay your premiums through any of these payment methods:
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| What is the frequency of payments available for me? |
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| Will I receive an extended life coverage period? | Yes, for 5 years. Note: After your maturity benefit has been paid and your plan ends, you will receive an extended life coverage for a period of 5 years with no further premium payment required. |
| Is there any case where I can waive my premium? | Yes If late stage critical illness*, death, or TPD claim have been made, no further premium payments are required, and the company will pay maturity benefit by the end of policy term. *Waiver of premium for late stage critical illness claim is only applicable when Critical Care Waiver of Premium rider is attached to the policy. |
These help you top up and customise the protection under your product to ensure you are appropriately protected.
About your plan
| Critical Care + | provides you with diagnosis benefits against 50 conditions of critical illness. You can claim: (1) 25% of sum assured for Early Stage critical illness claim or up to $25,000 (2) 100% of sum assured for Late Stage critical illness claim (minus Early Stage claim if any) |
| Critical Care Waiver of Premium | provides you with waiver of all future premiums after Late Stage critical illness claim has been paid, until the end of your policy term. |
| Parent Coverage Benefit (Spouse/Additional Life Coverage) | provides you or your family with additional coverage (benefit can be bought up to 500% of base plan sum assured) on death/TPD claim. |
| Family Income Benefit | provides you or your family with additional annual income from the year following death/TPD claim until the end of your policy term (benefit can be bought up to 50% of base plan sum assured). |
| Safety+ | provides you or your family with additional coverage (100% of sum assured) on accidental death/TPD claim. |
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