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Be protected against unexpected accidents or events

Sc sg prupersonal accident masthead

Be protected against unexpected accidents or events

PRUPersonal Accident

Offers medical reimbursement with 24-hour, worldwide coverage in the event of an accident

Key Risks

Important Notes

No advice will be provided if PRUPersonal Accident is being purchased online.  You are solely responsible for determining the affordability and appropriateness of the policy to your financial circumstances and needs as well as insurance objectives.

Major Exclusions

  • Pre-existing conditions or infectious disease diagnosed within 14 days from the cover start date of the policy
  • Death or disablement arising from Illness or Sickness (including any Infectious Diseases)
  • Infectious disease which has been announced as an epidemic or pandemic
  • Selected causes of accidents such as intentional self-injury
  • Reduction of benefits for selected high-risk activities such as windsurfing

For a full list of exclusions, please refer to the PRUPersonal Accident Policy Document.

Product notes

  • The benefits will only be payable upon the occurrence of an accident.
  • As this product has no savings or investment feature, there is no cash value if the policy ends or if the policy is terminated prematurely.
  • Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. Premiums are not guaranteed and may be adjusted based on future claims experience.
  • Before replacing an existing accident and health policy with a new one, you should consider whether the switch is detrimental, as there may be potential disadvantages with switching and the new policy may cost more or have fewer benefits at the same cost.
  • The information contained on this website is intended to be valid in Singapore only and shall not be construed as an offer to sell or solicitation to buy or provision of any insurance product outside Singapore.
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Disclaimer

Buying an insurance policy is a long-term commitment. An early termination of the policy usually involves high cost and the surrender value payable (if any) may be less than the total premiums paid. The contents of this webpage do not constitute a contract of insurance and reference should be made to the respective policies for the exact terms and conditions applicable to the insurance policy. It does not constitute an offer to buy or sell an insurance product or service. It is also not intended to provide any insurance or financial advice. All insurance products described in this webpage are products of and underwritten by Prudential Assurance Company Singapore (Pte) Limited (“Prudential”) and not Standard Chartered Bank (Singapore) Limited. Standard Chartered Bank (Singapore) Limited shall not be liable in any manner whatsoever regarding your application or the contract of insurance. In facilitating insurance arrangements or in referring customers to any insurer, the Bank is acting in alliance with the insurer and not as an agent for customers.

This webpage is being distributed for general information only and it does not constitute an offer, recommendation, solicitation to enter into any transaction. This webpage has not been prepared for any particular person or class of persons and it has been prepared without regard to the specific investment or insurance objectives, financial situation or particular needs of any person. You should seek advice from a licensed or an exempt financial adviser on the suitability of the product for you, taking into account these factors before making a commitment to purchase any product. In the event that you choose not to seek advice from a licensed or an exempt financial adviser, you should carefully consider whether this product is suitable for you.  You are fully responsible for your investment decision, including whether the product described here is suitable for you.  If, after purchasing the policy, you decide that the policy is not suitable for you, you may terminate the policy in accordance with the free-look provision, if any, and Prudential may recover from you any expense incurred by them in underwriting the policy.

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 Prudential or visit the LIA or SDIC websites (www.lia.org.sg or www.sdic.org.sg).

This advertisement has not been reviewed by the Monetary Authority of Singapore.