PRUTector and PRUDailyProtect

PRUTector + PRUDailyProtect package is your shield for daily hospital expense due to any illnesses or injuries and benefit upon Death/Total and Permanent Disability with 1-year coverage.

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Product benefits

Don't let unexpected hospital related expenses catch you off-guard, PRUTector + PRUDailyProtect helps you plan for these expenses starting at $9.9/ Yr.

Affordable Plans

Starting as low as USD 9.90 for 1-year coverage and has 4 packages to choose from.

Easy to Purchase

Purchasing the plan fast and easy by just using Pulse App.

No Medical Checkup

The Policy will be instantly issued after you complete all required information.

Various Benefits

The package provides protection in case of 1) Death/Total and Permanent Disability (TPD), 2) Daily Impatient Treatment which is doubled in case of hospitalization for ICU cover and triple in case the treatment due to Cancer, Major Stroke, Heart Attack, or other Serious Coronary Artery Diseases, and 3) exclusive additional health benefits on Food Poisoning and Severe Burn.

Convenient Claim

Simple and Convenient Claim registration through Pulse App.

More about PRUTector + PRUDailyProtect

A personalized health solution to cover your daily hospital expense. Our 4 affordable packages can be purchased easily via Pulse app.

About your plan

What is PRUTector + PRUDailyProtect ?	PRUTector is a non-participating term product, providing the protection upon Death/Total Permanent Disability (TPD). The rider that can be attached to this product is PRUDailyProtect rider which will offer additional benefits on daily hospital expense in case of Inpatient Treatment, along with additional benefits including ICU, Critical Illness (CI) Inpatient Treatment, Severe Burn as well as Food Poisoning.
Who is eligible to purchase PRUTector + PRUDailyProtect ?	You may purchase the plan if you are: a) Entity registered and operating in Cambodia, or b) Cambodian citizen or who has been resident in Cambodia with at least 6 months and with bona-fide residential address in Cambodia, aged from 18 - 60 years old.
How long does the coverage last?	1 Year
What are the four packages plan I can purchase?	PRUDailyProtect Accident Essential Pack Coverage upon Death/TPD (accident), Daily Inpatient Treatment (accident), Daily ICU (accident), and Severe Burn. Price 10.99 USD (age 30, male) Benefit Cash payout of 1,000 USD upon Death/TPD (accident) Daily Inpatient Treatment Benefit (accident) of 10 USD per day (up to 120 days ) Additional Daily ICU Benefit (accident) of 10 USD per day (up to 120 days ) Additional Severe Burn Benefit of 500 USD (1 time) PRUDailyProtect Full Essential Pack Coverage upon Death/TPD (all causes), Daily Inpatient Treatment (all causes), Daily ICU (all causes), Food Poisoning and Severe Burn. Price 41.57 USD (age 30, male) Benefit Cash payout of 1,000 USD upon Death/TPD (all cause) Daily Inpatient Treatment Benefit (all cause) of 10 USD per day (up to 120 days) Additional Daily ICU Benefit (all causes) of 10 USD per day (up to 120 days) Additional Food Poisoning Benefit of 15 USD per time (max. 2 times) Additional Severe Burn Benefit of 500 USD (1 time) PRUDailyProtect Silver Pack Coverage upon Death/TPD (all causes), Daily Inpatient Treatment (all causes), Daily ICU (all causes), Daily Critical Illness (CI) Inpatient Treatment, Food Poisoning and Severe Burn. Price 96.89 USD (age 30, male) Benefit Cash payout of 2,000 USD upon Death/TPD (all cause) Daily Inpatient Treatment Benefit (all cause) of 20 USD per day (up to 120 days) Additional Daily ICU Benefit (all causes) of 20 USD per day (up to 120 days) Additional Daily Critical Illness (CI) Inpatient Treatment benefit of 40 USD per day (up to 120 days) Additional Food Poisoning Benefit of 15 USD per time (max. 2 times) Additional Severe Burn Benefit of 500 USD (1 time) PRUDailyProtect Gold Pack Coverage upon Death/TPD (all causes), Daily Inpatient Treatment (all causes), Daily ICU (all causes), Daily Critical Illness (CI) Inpatient Treatment, Food Poisoning and Severe Burn. Price 240.11 USD (age 30, male) Benefit Cash payout of 5,000 USD upon Death/TPD (all cause) Daily Inpatient Treatment Benefit (all cause) of 50 USD per day (up to 120 days) Additional Daily ICU Benefit (all causes) of 50 USD per day (up to 120 days) Additional Daily Critical Illness (CI) Inpatient Treatment benefit of 100 USD per day (up to 120 days) Additional Food Poisoning Benefit of 15 USD per time (max. 2 times) Additional Severe Burn Benefit of 500 USD (1 time)
Is there any medical underwriting process for purchasing PRUTector + PRUDailyProtect Package?	Yes, there is the simplified underwriting process for customers while purchasing the policy. If PRUDailyProtect Accident Essential Pack is selected, there would be 1 declaration. If the PRUDailyProtect Full Essential Pack / PRUDailyProtect Silver Pack / PRUDailyProtect Gold Pack is selected, there would be 3 declarations and BMI check. The Policy will be instantly issued after the customer completes all required information and declaration.
How can I purchase PRUTector + PRUDailyProtect Package?	You can purchase PRUTector + PRUDailyProtect Package conveniently from anywhere using these simple steps after your download and register in our App Pulse Go to PRU Shoppe or click here https://onepulse.page.link/PHPRUShoppe and Click on PRUTector + PRUDailyProtect banner Click “View More Packages” to see all the package plans available Select your prefer package plan and click “Proceed” Scan your ID Card or passport and fill in your personal info Complete the medical/occupation/activities declaration(s) Tick the checkbox on the Insurance Policy of the product and click “Proceed” Select your payment method and fill in your payment info
How do I submit claims?	You may register a claim through following means: Register through Prudential mobile application, Pulse. You may register a claim at Prudential Cambodia Life Assurance Customer Service Center Office Chip Mong Tower, 20th Floor, Russian Federation Blvd (110), Phum 10, Sangkat Phsar Depo 3, Khan Toul Kork, Phnom Penh, Cambodia. Contact Claim: Email: pcla.claims@prudential.com.kh Phone: 095 964 222

The key exclusions

key exclusions of PRUTector include but not limit to:

a. Death/TPD due to any causes:

- Suicide or self-inflicted injury,

- Any Human Immunodeficiency Virus (HIV) and/or any HIV-related illnesses,

- Criminal offense,

- Drug/alcohol abuse or overspeeding or driving at the age below the minimum driving age or driving without driving license against the applicable traffic law.

b. Death/TPD due to accident only:

- Participation in dangerous sports activities,

- Participation in aviation activities

- War or aggressive acts

- Any illness caused by insect bite (including mosquito bites) and worm infestation, and also the exclusion clauses listed in Part a.

The key exclusions of PRUDailyProtect include but not limit to:

a.Inpatient treatment before coverage start date, Pre-existing conditions, Congenital conditions and genetic disorders.

b.Fertility and pregnancy complication, STDs related treatments, Self-treatment, and treatments received from relatives

c.AIDS related or sexually transmitted diseases (STD)

d.Substance Addiction Treatments, Treatment of nervous, mental and related disorder, Traditional or alternative treatment, Pandemic treatment

e.Suicide, attempted suicide or self-inflicted injuries.

f.Alcohol and drug induced injuries, Not medically necessity treatment.

g.Injuries induced by violence and/or criminal activities

h.Injuries from dangerous activities and/or sports

i.Injuries from not using commercial airline

j.War, riots, terrorism and similar political violence

k.Ionizing radiations from any radioactive nuclear handling failure.

Please refer to the Insurance Policy for details on the exclusion clauses.

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