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PRUEasy Care

Keeps you protected from the threat of cancer and the hefty hospital bills so you can get back to full health without losing your life saving

How it works ?

Product details

Coverage and Payment Terms

Payment Term

Until age 65 years old

Coverage Term

Until age 65 years old

Eligible Age

20 – 60 years old

Minimum Sum Assured

as Benefit Schedule

Tax Benefit
  • Life insurance premiums can be used for tax incentive up to the maximum of 100,000 baht per year, subject to the Revenue Department's terms and conditions

  • Health insurance premiums can be used for tax incentive up to the maximum of 25,000 baht per year, but when combined with life insurance premiums, the amount must not exceed 100,000 baht per year, subject to the Revenue Department's terms and conditions

Benefits

IPD Benefit

  • Including room, board, nursing service fee, medical, operation, ambulance and other hospitalization fees.

OPD Cancer Benefit

  • Out Patient Cancer treatment.

Death and Total Permanent Disability Benefit

  • The Company shall pay 100% of Main Sum Assured or cash value depends on which one is higher.

Benefit Schedule

Benefit

Plan 1

Plan 2

Plan 3

Plan 4

Maximum Benefit per Year

300,000

500,000

750,000

1,000,000

  1. IPD benefits per time (Maximum 4 hospitalization per year)

30,000

50,000

75,000

100,000

  1. OPD cancer benefit per year

130,000

200,000

300,000

400,000

  1. Death Benefit Including TPD (TPD is an acceleration of the death benefit)

50,000

100,000

150,000

200,000

Remark

PRUeasy care DMTM is the marketing name of “Term Life Insurance” covering Life and Total Permanent Disability (Non participating) and IPD Benefit Rider (Cover Period 1 Year) and OPD Cancer Benefit Rider (Cover Period 1 Year).

The Company does not cover costs resulting from the following
  1. The Assured does not disclose or declares false statement. The Company shall be voidable contract within 2 years from the inception date or renewal date or reinstatement date or the day that the Company allows to add up the Sum Assured.

  2. The Assured commits intentionally suicide within 1 year from the inception date or renewal date or reinstatement date or the day that the Company allows to add up the Sum Assured.

  3. Pre-existing conditions, congenital abnormalities, growth development abnormalities, and genetic disorders.

  4. Any cosmetic surgery or beautification treatment including treatment of acne, freckles, dandruff, weight reduction and weight gain, hair loss. Reconstructive surgery is also excluded unless injury is sustained as a result of an accident.

  5. Services in connection with infertility, pregnancy, childbirth, abortion or miscarriage, or any causes related to pregnancy, sterilization or investigation of sterilization.

  6. AIDS, related or sexually transmitted diseases (STD).

  7. Health check-up which is not related to the injury or illness or not according to the medical necessity and normal standard.

Waiting Period for IPD Benefit

  1. The Company shall not pay a benefit for illnesses that occur within 30 days from the inception date or the last reinstatement date of this Rider, whichever shall happen the latest, or

  2. The Company shall not pay the benefits under this Rider for the following illnesses that occur within the period of 120 days of the inception date or the last reinstatement date of this contract, whichever shall happen the latest

    2.1 Tumors, cysts or cancer of all types

    2.2 Hemorrhoids 

    2.3 Hernias of all types

    2.4 Pterygium or Cataracts

    2.5 Tonsillectomy or Adenoidectomy

    2.6 Calculi of all types

    2.7 Varicose Veins

    2.8 Endometriosis

Waiting Period for OPD Cancer Benefit

The Company does not cover costs resulting from the following:

  1. In case of material misrepresentation or false statement, the Company shall void the policy within 2 years from the policy effective date or the renewal date or the reinstatement date or the date the Company approves the increase of sum assured, only for the increased amount.

  2. The Insured commits suicide within 1 year from the policy effective date or the renewal date or the reinstatement date or the date the Company approves the increased sum assured, only for the increased amount, or is murdered by the beneficiary.

  3. Chronic disease, illness or injury prior to inception date, medical conditions which are inborn (congenital) or development issues or genetic disease

  4. Beauty treatment for the decor, the treatment of chosen manner, sterilization, sterile solving, treatment to correct congenital or pre-existing abnormalities.

  5. Treatment relating to pregnancy, abortion or miscarriage, childbirth