Crisis Defender & Early Crisis Protector

Shield yourself with Prudential's comprehensive critical illnesses coverage.

Crisis strikes from time to time. With increasing healthcare cost, even a minor incident can change one's lifestyle. Introducing the Crisis Defender and Early Crisis Protector, riders designed to offer financial support right from the early stages of critical illnesses.
 
Crisis Defender is an optional benefit that is designed to pay a lump sum benefit upon diagnosis of any of the 36 critical illnesses. Any claims on this benefit will not affect the coverage of your basic plan.
 
Early Crisis Protector is an optional benefit under Crisis Defender that provides Early Stage Critical Illness Benefit and Special Benefit.

Benefits

Crisis Defender and Early Crisis Protector provide you:
 
1) The Shields that cover 85 illnesses, conditions and medical procedures in total.
With Crisis Defender and Early Crisis Protector, you are widely covered for a range of 46 Low and Medium Severity illnesses/conditions/medical procedures, and 36 High Severity Critical Illnesses. The benefits don't stop there! Early Crisis Protector also covers 3 specified diabetic complications.
 
2) Claim up to 6 times
You can claim up to 6 times under Crisis Defender and Early Crisis Protector.
 
3) NO WAITING in between claims
There is no waiting in between claims. We will pay the subsequent claims immediately if you develop other covered illness or the illness deteriorates further.
 
Please click here to view the 36 critical illnesses that are covered under Crisis Defender.
Please click here to view the early stage critical illnesses that are covered under Early Crisis Protector.
 
Early Crisis Protector also provides additional one-off lump sum benefit for the following specified diabetics complications:
a) Surgery for Type 2 Diabetic retinopthy;
b) Limb amputation due to Type 2 Diabetic Complications; or
c) Severe diabetic nephropathy resulting in kidney failure.
 
For further benefit details, please refer to out product brochure which is available for download.

 

How It Works

Crisis Defender
We will pay you the benefit if you are diagnosed with a critical illness covered under Crisis Defender. In the event of critical illness before age 5 next birthday (n.b.), the proportion of the Crisis Defender sum assured payable is 20%, 40%, 60%, 80% and 100% for age 1, 2, 3, 4 and 5 next birthday respectively.
 
Early Crisis Protector
We will pay you the benefit if you are diagnosed with the illnesses, conditions or medical procedures covered under Early Crisis Protector. You are allowed to make multiple claim as long as the sum assured has not been fully paid. Once we have paid a claim, a subsequent claim of the same or lower severity within the same category will no longer be covered.
 
However, for a subsequent claim of higher severity within the SAME category, we will pay you:
 
i.  the difference between the relevant amount for the subsequent claim and the amount we paid to you for the previous claim(s); or
ii. the reduced amount of benefit at the time the subsequent claim is made; whichever is lower.
 
For a subsequent claim from a DIFFERENT illness category, we shall pay you:
 
i.  the relevant amount for the subsequent claim; or
ii. the reduced amount of benefit at the time the subsequent claim is made; whichever is lower.
 
Note: We will pay your claims as long as you have survived 30 days after being diagnosed with the illnesses or conditions covered under Crisis Defender and Early Crisis Protector.
 
For a sample of the claim scenarios, please refer to our product brochure which is available for download.
 
Premium Information
The premium that you need to pay will depend on your age, gender and smoking status. You would have to pay premiums throughout the duration of the benefits.
 
Premiums can be paid yearly, half-yearly, quarterly or monthly via Auto Debit, Credit Card, Cash or Cheque.
 
Please click here to view the yearly premium rates of Crisis Defender and Early Crisis Protector.

Who Can Apply

Crisis Defender: Anyone between 1 to 70 years old on their next birthday.
 
Early Crisis Protector: Anyone between 19 to 70 years old on their next birthday.

Optional Benefits

There are no optional benefits available for this plan.

Download Brochure