A. What is PRUlink Assurance Account Plus (PAA Plus)?
Life insurance products associated with investments that provide life insurance protection as well as the benefits of investing and has also been designed to provide flexibility to meet needs in every stage of your life.
The Advantages or the benefits for PRUlink Assurance Account Plus:
1. Death Benefit Guarantee (Guaranteed Death Benefit)
2. Total and Permanent Disability Benefits (Total and Permanent Disability)
3. Can add value to the sum insured (sum assured) every time
4. Can make additional premium (top up) at any time
5. Can determine for themselves the amount of the composition of value protection and value investing.
6. Can perform the transfer of funds (fund switching).
7. Choice of additional insurance benefits (riders) more.
B. Additional Insurance.
You can add a variety of additional insurance benefits on PRUlink product assurance account plus, for more complete protection in every stage of your life:
1. PRUCrisis Cover 34 . Giving money insured PRUcrisis cover 34 if the insured suffers one of the criteria of the 34 critical illnesses.
2. PRUCrisis Cover Benefits 34 . Giving money insured benefit PRUcrisis cover 34 if the insured suffers one of the criteria of the 34 critical illness or death without reducing the basic sum assured.
3. PRUPersonal accident death .An additional benefit if the insured dies due to accident. PRUpersonal accident the death and the disablement . An additional benefit if the insured total and permanent disability or death due to accidents.
4. PRUMed . Additional benefits that provide a daily allowance of hospitalization, ICU and surgery to the insured if hospitalized in the hospital.
5. PRUHospital & Surgical. Additional benefit provides reimbursement entire cost of hospitalization, ICU and surgery according to the benefits that were taken, as long as the insured in hospital receiving treatment.
6. PRUWaiver 33. If the insured suffers one of the criteria of the 33 critical illnesses, PT Prudential Life Assurance will continue to pay the basic premium until the expiration of coverage period selected.
7.PRUPayor 33. If the insured suffers one of the criteria of the 33 critical illnesses, PT Prudential Life Assurance will continue to pay the entire premium until the expiration of coverage period selected.
8. PRUSpouse waiver 33. If the spouse of the insured suffers one of the criteria of the 33 critical illness or total and permanent disability before age 60 years or dies, PT Prudential Life Assurance will continue to pay the basic premium until the expiration of the chosen coverage.
9. PRUSpouse Payor 33. If the spouse of the insured suffers one of the criteria of the 33 critical illness or total and permanent disability before age 60 years or dies, PT Prudential Life Assurance will continue to pay the entire premium until the expiration of coverage period selected.
10. PRUParent Payor 33. If the father and or mother of the insured suffers one of the criteria of the 33 critical illness or total and permanent disability before age 60 years or dies, PT Prudential Life Assurance will continue to pay the entire premium until the expiration of coverage period selected.
11. PRULink Term . Additional benefits are provided if the insured dies before the age of 70 years.
33 critical illnesses, such as that referred to above include all those listed in the section "Critical Diseases" on page "Products", except "angioplasty and other invasive treatment for coronary heart disease." For what are the 33 critical illnesses, I will explain in the different link
