PRUVital Cover
Structured facts
Extracted from the Product Summary at d276f7e4a9e26282…. 1 fact rows.
Product Type
term-life
Exclusions
Verbatim from the Product Summary. Read in full before purchase.
If the life assured dies directly or indirectly from an activity under Special Exclusion or Special Terms and Conditions shown on your Certificate of Life Assurance, we do not pay the Death Benefit but will refund the total premiums, without interest, received from you less expenses incurred by us on your policy.
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If the life assured dies from suicide within 12 months from the Cover Start Date or date of reinstatement of your policy, we will cancel your policy and refund the total premiums, without interest, received from you less expenses incurred by us on your policy.
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If the life assured dies from a Pre-existing Condition within 12 months from the Cover Start Date or date of reinstatement (if any) of your policy, we cancel your policy unless the level of severity was accurately declared in the proposal and specifically accepted by us. If we cancel the policy, we refund the total premiums received from you, without interest, less expenses incurred by us on your policy.
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Terminal Illness in the presence of HIV infection is excluded.
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We do not pay Terminal Illness Benefit if: (a) the life assured is already deceased at the time of the claim; (b) the symptoms of the Terminal Illness existed at the Cover Start Date or date of reinstatement (if any) of this benefit; or (c) the life assured is diagnosed as having a Terminal Illness caused by: self-inflicted injuries while sane or insane; Acquired Immunodeficiency Syndrome ("AIDS"), AIDS-related complex or infection by Human Immunodeficiency Virus ("HIV") except HIV Due to Blood Transfusion and Occupationally Acquired HIV; the use of unprescribed drugs where such drugs are required by law to be prescribed by a Registered Medical Practitioner; or an activity under Special Exclusion and/or Special Terms and Conditions shown on your Certificate of Life Assurance.
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Free-look period
14 days from policy delivery. we will refund you the premiums you have paid (without interest), less any medical fees and other expenses, such as payments for medical check-ups and medical reports, incurred by us.
Machine-readable endpoints
- facts.json — structured fact extraction
- summary.md — LLM-friendly markdown summary
- wording.md — full ingested wording text
- history.json — wording version history
Source & verification
All facts ingested from Prudential Singapore's published Product Summary on compareFIRST.sg. Open the source PDF .
This page is informational only and does not constitute financial advice under the Financial Advisers Act. For binding quotes and personalised recommendations, contact Prudential Singapore directly or consult a MAS-licensed financial adviser.