PRUHero
Main Benefits
Death/TPD Benefit
Maturity Benefit
Critical Illnesses Benefit (optional)
Loyalty Benefit
Surrender Benefit
FAQ
| What is PRUHero? |
PRUHero is a life insurance product that allows you to have a fund for large future needs or for retirement through this product’s maturity benefit. Should death or total and permanent disability occur, this plan will pay the sum assured. You can also enhance your protection by adding Critical Care+ rider which covers 50 critical illness conditions. |
| Who is eligible to purchase PRUHero? |
You may purchase this plan if you are: Cambodian citizen or who has been resident in Cambodia, aged 18 – 52 years old. The expiry age of this plan is 65 years old. |
| What is the Policy Term duration for PRUHero? | You may choose from minimum of 13 years to maximum of 30 years. |
| What is the Premium Term duration and frequency for PRUHero? |
Premium Term refers to the payment period of this plan and is equal to Policy Term. The premium can be paid on:
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| What is premium and sum assured limit for PRUHero? |
Minimum annual premium is $400 and maximum annual premium is subject to underwriting. Sum assured limit is based as followings:
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| Is free-look period applicable for PRUHero? | Free-look period is applicable for 21 days from the issuance date should you decide to cancel the policy. |
Exclusion
PRUHero
Death/TPD claim under PRUHero shall be declined due to any of the following:
- Suicide or attempted suicide, self-inflicted injury, whether sane or insane in the first 2 years of the policy; or
- Committing or attempting to commit a crime by the Policy Owner, the Insured, or the Beneficiary; or
- Drugs or stimulator abuse, abusively using alcohol or driving vehicles under the influence of alcohol.
Critical Care+
Critical illness claims under Critical Care+ rider shall be declined due to any of the following:
- Pre-existing condition
- Critical illnesses resulted from AIDS or HIV
- Early-stage critical illness diagnosed within the waiting period of 120 days or late- stage critical illness diagnosed within waiting period of 90 days.
- Early-stage critical illness condition diagnosed during waiting period and progressed to late-stage after the waiting period.
- Death of Life Assured within 14 days from critical illness diagnosis.
- Any covered critical illness condition or medical procedure caused by attempted suicide; alcohol or drug abuse; or while attempting to or while committing a crime.
- Illness caused by donation of the Insured's organs.
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