By understanding your unique needs, Prudential always strive to innovate and provide you with products that suits your needs. We offer a comprehensive range of life insurance and investment-linked products to meet the needs of our customers. And we will continue to enhance our existing products and develop new ones to suit your changing lifestyle and financial goals.
PRODUCTS:
PRUlink assurance account
PRUlink assurance account (PAA) is a unique investment linked life insurance product with maximum flexibility, enabling you to change the level of sum assured, premium and the mode of payment according to your needs. You can also add optional insurance features such as hospitalisation, accident or dread disease coverage into the existing scheme. Finally, you can choose one or a combination of the following 6 existing fund investment options, with the flexibility to change it anytime you want to.
PRUlink investor account
PRUlink investor account is a single premium unit linked product that offers you a range of investment funds choices. Beside that you may have optimum investment return potential, also this product provides you a comprehensive protection against death risk or total and permanent disability risk. This product provide you the freedom to choose the investment funds to optimize the investment return, taking into account the Policyholder requirements and risk profile.
PRUlink syariah assurance account
PRUlink syariah assurance account (PAA Syariah) is a unique investment linked syariah life insurance product with maximum flexibility, enabling you to change the level of sum covered, contribution and the mode of payment according to your needs. You can also add optional insurance features such as hospitalisation, accident or dread disease coverage into the existing scheme. Finally, you can choose one or a combination of the following 3 fund investment options, with the flexibility to change it anytime you want to.
PRUlink syariah investor account
PRUlink syariah investor account (PIA Syariah) is a single contribution unit linked product that offers you a range of syariah investment funds choices. Beside having optimum investment return potential, this product also provides you a comprehensive protection against death risk or total and permanent disability risk. This product provide you the freedom to choose the syariah investment funds to optimize the investment return, taking into account the Policyholder requirements and risk profile.
PRUlink fixed pay
PRUlink fixed pay is an unit linked product designed to provide flexibility to meet life stage changes over the years with a guaranteed death benefit* and a choice of fixed regular premium payment periods.
* Terms and conditions apply
PRUhospital care
PRUhospital care is a health insurance product providing Daily Benefit. Should you ever be hospitalized or you have to take the treatment in Intensive Care Unit, Surgery Operation and hospitalized due to an accident when you travelled overseas, you are entitled to a daily cash payment.
PRUmajor medical
PRUmajor medical is designed to cover the needs of a comprehensive 24-hour worldwide health insurance protection. With its 24 hours a day, 7 days a week and 365 days a year of worldwide protection, PRUmajor medical gives you a comprehensive medical assistance before you undergo your hospitalization. As a major medical insurance protection, PRUmajor medical covers sudden and significant medical expenses due to illnesses or accident. This product will cover your medical expenses from pre to post hospitalization in Indonesia and overseas*. And if your medical condition necessitates you to have an overseas treatment, PRUmajor medical will cover your medical expenses based on Singapore's standard hospital charges or actual expenses, whichever is lower.
*) Not applicable for USA, Canada and Japan.
PRUaccident plus
PRUaccident plus offers you the simplest way to join an accidental insurance without the obligation to firstly buy another life insurance program. Now, with PRUaccident plus you have the freedom to only buy accidental insurance. As such, this will help you to minimize amount of premium that you have to pay. Surely, by having this insurance you will get a comprehensive coverage on accident that may cause you to suffer disability or even die. Indeed, the program gives you the benefit to get sum assured bonus in the first three year of your joining and yearly automatically policy renewal.
PRUprotector plan
PRUprotector plan is designed to ensure you and your family is secured financially together from unexpected conditions that could happen any time in your life. It will not limit to that. As a combination of life insurance program and savings, PRUprotector plan will always ready to provide fresh fund for you and the family in case needed since the value of your savings will continue to increase along your joining. The most interesting thing of this program is the payment term. You only need to pay premium for 10 years while the life protection will continue on until the next 10 years.
PRUuniversal life
PRUuniversal life is a life insurance product that provides life insurance protection as well as funds management with a low investment risk profile, designed to meet your needs in all life stages.
PRUlife cover
PRUlife cover is a life insurance product that provides life insurance protection if the insured passed away before the end of the PRUlife cover coverage or suffers from total and permanent disability before the age of 60 years.
PRUlink FUNDS:
PRUlink Rupiah Managed Fund
PRUlink Rupiah Managed Fund is a long-term investment fund designed to help you earn maximum investment gains through fund placements in Rupiah using instruments of investment such as bonds, stocks and other money market instruments. Allocation of funds will be determined by Fund Managers and will be subject to change at any time. This option is ideally suited if you are an investor preferring attractive long-term investment gains, and at the same time ready to sustain varied and moderate levels of investment risks.
PRUlink Rupiah Managed Fund plus
PRUlink Rupiah Managed Fund plus is a long-term investment fund designed to help you earn maximum investment gains through fund placements in Rupiah using instruments of investment such as stocks, bonds and other money market instruments. Allocation of funds will be determined by Fund Managers and will be subject to change at any time. This option is ideally suited if you are an investor preferring attractive long-term investment gains, and at the same time ready to sustain moderate-to-high levels of investment risks.
PRUlink USD Fixed Income Fund
PRUlink USD Fixed Income Fund is a long-term investment fund designed to help you earn maximum investment gains through fund placements in US Dollar using instruments of investment such as bonds and other money market instruments. This option is ideally suited for investors who chose to maintain their investments in US Dollar, thus avoiding fluctuations in the Rupiah.
PRUlink Rupiah Equity Fund
PRUlink Rupiah Equity Fund is a vehicle to invest your fund in order to obtain investment gains medium to long-term through fund placements in quality Jakarta Stock Exchange (BEJ) listed Indonesian company stocks. This option is particularly suited if you prefer long-term investment gains with a higher rate of return, and at the same time in a condition to sustain high investment risks. Unit prices for Rupiah Equity Fund will fluctuate
PRUlink Rupiah Fixed Income Fund
PRUlink Rupiah Fixed Income Fund is a medium to long-term investment fund designed to help you get attractive investment gains through fund placements in Rupiah using fixed income instruments such as bonds and other money market instruments. This option gives you medium to long-term investment gains with a high level of security and flexibility. It is ideally suited if you prefer a stable rate of long-term returns and in a condition to sustain moderate to low investment risks.
PRUlink Rupiah Cash Fund
PRUlink Rupiah Cash Fund is an investment fund designed to help you earn maximum investment gains through fund placements in Rupiah using money market instruments such as time deposits and SBI. This option offers you an attractive rate of returns coupled with a high security level. It is very well suited if you are a conservative investor preferring stable investment gains and in a condition to sustain low to moderate investment risks.
PRUlink Syariah Rupiah Managed Fund
PRUlink Syariah Rupiah Managed Fund is a long-term investment fund designed to help you earn maximum investment gains through fund placements in Rupiah using instruments of investment such as syariah bonds and syariah stocks. Allocation of funds will be determined by Fund Managers and will be subject to change at any time. This option is ideally suited if you are an investor preferring attractive long-term investment gains, and at the same time ready to sustain varied and moderate levels of investment risks.
PRUlink Syariah Rupiah Equity Fund
PRUlink Syariah Rupiah Equity Fund is a vehicle to invest your fund in order to obtain investment gains medium to long-term through fund placements in syariah and quality stocks listed on Jakarta Stock Exchange (BEJ). This option is particularly suited if you prefer long-term investment gains with a higher rate of return, and at the same time in a condition to sustain high investment risks.
PRUlink Syariah Rupiah Cash & Bond Fund
PRUlink Syariah Rupiah Cash & Bond Fund is a medium to long-term investment fund designed to help you get attractive investment gains through fund placements in Rupiah using syariah money market and syariah fixed income instruments such as syariah bonds and other syariah fixed income instruments in the capital market. This option gives you medium to long-term investment gains with a high level of security and flexibility. It is ideally suited if you prefer a stable rate of medium to long-term returns and in a condition to sustain moderate to low investment risks.
RIDERS:
PRUlink term
Offers additional benefit should the insured died before the term expire.
PRUpersonal accident death
Offers additional benefit should the insured died due to accidents.
PRUpersonal accident death & disablement
Offers additional benefit should the insured be rendered totally and permanently disabled in an accident.
PRUcrisis cover 34
This rider will pay the Sum Assured if the insured suffers* one of the 34 critical conditions.
* Meets the critical condition criteria in the policy.
PRUcrisis cover benefit 34
PRUcrisis cover benefit 34 will pay the Sum Assured if the insured suffers* one of the 34 critical conditions or died and will not reduce the basic Sum Assured
PRUmultiple crisis cover
This rider will pay the Sum Assured should the insured suffers* one of the 34 critical condition, with a maximum of 3 critical condition in different groups, without reducing the basic sum assured.
PRUcrisis income
This rider will pay the annual income benefit in amount of the Sum Assured until the end of the chosen coverage if the Insured suffers* one of the 33 critical condition.
PRUwaiver 33
This rider will continue to pay your basic premium until the end of coverage term should the Insured be diagnosed with one of 33 critical conditions.
PRUspouse waiver 33
If the spouse of the insured suffers* one of the 33 critical conditions or total and permanent disability before the age of 60 years or dies, PT Prudential Life Assurance will continue to pay the basic premium until the expiration of the chosen coverage term.
PRUpayor 33
This rider will continue to pay your entire premium until the end of coverage term should the Insured be diagnosed with one of 33 critical conditions.
PRUspouse payor 33
If the spouse of the insured suffers* one of the 33 critical conditions or total and permanent disability before the age of 60 years or dies, PT Prudential Life Assurance will continue to pay the entire premium until the expiration of the chosen coverage term.
PRUparent payor 33
If the father and/or mother of the insured suffers* one of the 33 critical conditions or total and permanent disability before the age of 60 years or dies, PT Prudential Life Assurance will continue to pay the entire premium until the expiration of chosen coverage term.
PRUmed
PRUmed will provide additional benefits that provide a daily allowance to cover for hospitalization, ICU and surgery should the Insured is hospitalized.
PRUhospital & surgical 75
PRUhospital & surgical 75 will reimburse the entire cost of hospitalization, intensive care and surgeryaccording to specific benefit plan taken, while the insured is being treated in the hospital, up to age of 75 years.
PRUearly stage crisis cover
PRUearly stage crisis cover provides financial protection for 79 critical illnesses and conditions that are divided into three stages (early, intermediate, and advanced) and gives you more comprehensive protection against critical illness. In addition to protection against critical illness,PRUearly stage crisis cover also provides additional benefits for 3 critical conditions, Angioplasty and other Invasive Treatment for Coronary Artery, Diabetes Related Complication and Blindness in both eyes
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