Pru Life UK PRUPersonal Accident

Pru Life UK PRUPersonal Accident is a yearly renewable packaged protection plan designed to cover injury or death due to accidents with different packages that suit various ages and occupations.

 

Jump to:

• Packages and Benefits
• Eligibility
• Purchase Pru Life UK PRUPersonal Accident
• Renewal, Claims, and Cancellation
• Contact Pru Life

 

Packages and Benefits

Basic Package*

 

Full Package*

*The packages that may be selected will depend on the Policy Owner/Life Assured’s occupation declared at application.

**The applicable percentage of the ADD Benefit will be paid according to the Schedule of Coverage indicated in the Policy Contract. The range is from 1% to 100% of the ADD Benefit amount

 

Note: Your policy will not terminate if the Hospital Income Benefit is paid to the Life Assured.

 

Accidental Death and Disablement Benefit

The Accidental Death and Disablement (ADD) benefit is payable for injuries or accidents that are not caused by certain circumstances such as self-inflicted injury, alcoholism, or resisting lawful arrest, among others. For the full list of these circumstances, you may refer to the Exclusions section of your Product Terms and Conditions or Policy Contract.

The percentage of the ADD benefit is payable to the Policyowner-Life Assured depending on the type of injury sustained.

For example, should the Policyowner-Life Assured suffer from a loss of one hand, 50% of the ADD benefit will be payable, while 100% of the ADD benefit is payable to the Life Assured for the loss of both hands. You may refer to your Product Terms and Conditions or Policy Contract for the Schedule of ADD Benefit Coverage.

 

Eligibility

You can avail of this product if you are: 

• At least 18-65 years old 
• A Filipino citizen residing in the Philippines at the time of application
• A Fully Verified GCash user 

 

Individuals that will be Life Assured in this policy should be:

• A Filipino citizen
• In good health
  • Have no physical or medical impairment
  • Have not, in the last five (5) years, consulted, nor been examined or treated for more than two (2) weeks by a doctor for any disease or injury, and not have undergone any medical diagnostic test or procedure, other than for routine pre-employment purposes; and
  • Have not been confined in a hospital for any length of time or had any surgical procedure

Note: The coverage of Pru Life UK PRUPersonal Accident is 12 months from the Coverage Start Date.

 

Purchase Pru Life UK PruPersonal Accident

The Policy Owner and the Life Assured must be the same person before purchasing this product. The Pru Life UK PRUPersonal Accident product is not convertible to any other Pru Life UK plan or policy.

 

The following Government ID numbers are accepted in purchasing the policy:

• Philippine Passport
• Driver’s license
• SSS ID
• Unified Multi-purpose ID
• Taxpayer Identification Number (TIN)
• Voter’s ID
• Postal ID
• Professional Regulation Commission (PRC)
• Phil ID

Note: Providing the ID number is mandatory. Only Fully Verified Gcash users will be allowed to purchase Pru Life UK products that are available in GCash.

 

Here is how you can purchase Pru Life UK PruPersonal Accident:

1. On your GCash App, tap GInsure
2. Tap Personal
3. Tap PRUPersonal Accident
4. A pop-up Declaration will appear. Tap Agree
5. You’ll be redirected to the PRU Life UK Declaration Page. Tap Proceed
6. Check out the full packages of the PruPersonal Accident Product. Select the package you want to avail and Tap Proceed
7. Fill in all the required details and upload 1 valid government ID
8. Read through the Product Terms and Conditions. Tap Proceed
9. You will be redirected to the GCash App to pay for your policy. Tap Agree
10. Review details of your transaction and tap Proceed
11. You will receive a payment confirmation of your successful purchase of the PruPersonal Accident

 

Note: You will receive an SMS and email confirmation of your PruPersonal Accident Policy containing the product name and your reference number. Within twenty-four (24) hours from policy purchase, another email will be sent which includes all policy documents, including the Policy Contract.

 

If you have an existing PRUPersonal Accident plan, you cannot upgrade, downgrade, or purchase another policy. You will only be allowed to purchase another, upgrade or downgrade to a different policy if the existing plan is expired or is voluntarily cancelled.

 

You cannot be covered by multiple policies at the same time regardless of the channel it will be purchased. If you happen to be covered under multiple policies, only the first policy purchased will be payable in the event of a claim. We shall refund the premiums of the other policies.

 

Should you wish to have another PRUPersonal Accident policy or a PRUPersonal Accident policy with higher coverage, you may contact your agent or contact.us@prulifeuk.com.ph. Your application in this regard may be subject to full underwriting.

 

View Policy Contract

Your Policy Contract and other Policy Documents are sent within twenty-four (24) hours to the Policy owner’s email address.

A printed copy of the Policy Contract may be requested via email to contact.us@prulifeuk.com.ph, subject to a printing and delivery fee of PhP500.00. This fee is subject to change and prior notice shall be sent before any such change is implemented.

 

Beneficiary

If you choose not to register a beneficiary immediately or were not able to nominate a beneficiary before your PRUPersonal Accident policy is issued, your policy application will still be valid.

 

The nominated beneficiaries are set by default as primary and revocable and with equal sharing. If you wish to elect and/or change your beneficiary, change a beneficiary designation to irrevocable (or otherwise) or change the percentage of sharing of the insurance proceeds, or add more than two (2) beneficiaries, you may do so at any time during the coverage period of your policy by sending an email to contact.us@prulifeuk.com.ph.

 

In case you are unable to name a beneficiary, or you do not wish to name one, the death benefit will be paid to the persons then surviving in the following order of preference: 

• Legal spouse and children
• Parents
• Brothers and sisters
• Insured’s estate

 

Renewal, Claims, and Cancellation

Renewal

You may renew the policy up to age seventy-two (72).  The renewal of the policy is subject to compliance with eligibility requirements and the payment of the applicable premium.

Further communications will be sent to your contact details prior to your Coverage End Date for the renewal process.

 

Claims

You may submit your claims request via business centers or by sending an email to contact.us@prulifeuk.com.ph. Claims submissions are subject to evaluation. We reserve the right to ask you or your claimant to provide at your own expense documents or evidence to help Pru Life UK assess the claim.

 

Hospital Income Benefit

To file a claim on Hospital Income Benefit, you or your claimant must give us a written notice of hospitalization within thirty (30) days from the start of your hospital confinement. The claims requirements must be submitted via any Pru Life UK business center or by sending an email to contact.us@prulifeuk.com.ph within ninety (90) days from hospital discharge.

 

If you get hospitalized due to an accident the day after you purchased the policy, you may immediately claim the Hospital Income Benefit.

The following are the requirements for Hospital Income Benefit claims submissions:

• Accomplished claimant’s statement

• Attending physician’s statement

• Admission summary & discharge clinical abstract summary

• Duly certified statement of account of hospitalization; and

• Two (2) valid IDs of Life Assured

 

Accidental Death Benefit

As a beneficiary of the Accident Policy, you claim the death benefit by submitting the requirements to any Pru Life UK business center or by sending an email to contact.us@prulifeuk.com.ph. The following are the requirements for death claims submissions:

• Accomplished claimant’s statement

• Attending physician’s statement

• Original death certificate or certified true copy

• Birth or baptismal certificate of the Life Assured and primary beneficiary/es

• Current Policy Data Page; and

• Two (2) valid IDs of Life Assured and Primary Beneficiary/ies

Note: The policy will terminate if the claim for Accidental Death Benefit is paid. If it is a claim for Accidental Disablement Benefit that is paid, the policy will not terminate unless the claim amount is equivalent to 100% of the Sum Assured.

 

Cancellation

You will be given a period of fifteen (15) days from your Policy Receipt Date to review your Policy. This is called the Free Look Period.   

 

Pru Life UK will send a confirmation that the Policy has been issued and is in force to your email address on record. Within twenty-four (24) hours from policy purchase, another email will be sent which includes all policy documents, including the Policy Contract. The date that the email with the policy documents is sent shall be considered as your policy receipt date and your 15-day Free Look Period will begin on this date. The Free Look period is applicable at the initial purchase of the Policy only. 

 

If you decide that this Policy is not suitable to your needs and wish to cancel it, you must immediately notify PruLife UK through Cancel My Policy button in My Insurance tab under Ginsure within Gcash app within the Free Look Period. Pru Life UK will refund the premium you paid in full upon completion of the processing of your cancellation request. 

 

Once the Free Look Period has ended, the Cancel My Policy button will no longer be available, and any notice of cancellation must be sent via email to contact.us@prulifeuk.com.ph.

 

Pru Life UK shall also provide a full refund of the premiums paid at the time of purchase and cancel the Policy if any of the following occur:

1. If you are found ineligible to purchase this Policy; or
2. If you are found to be ineligible to be designated as the Life Assured.

 

Contact Pru Life

To contact Pru Life, please check out their available channels below:

Website: www.prulifeuk.com.ph/en/partners/ginsure

Email: contact.us@prulifeuk.com.ph

Hotline: (632) 8887 LIFE (8887 5433) within Metro Manila or 1 800 10 PRULINK (1 800 10 7785465) for domestic toll-free hotline