Pru Life UK PRUPersonal Accident – Junior Protect

PRUPersonal Accident - Junior (PA Junior) is a yearly renewable packaged protection plan designed to cover children for injury or death due to accidents.

Jump to:

• Packages and Benefits
• Eligibility
• Purchase Pru Life UK PruPersonal Accident - Junior Protect
• Cancellation and Claims
• Contact Pru Life

Packages and Benefits

Basic Package

Full Package

*Note: The specified 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 ADD Benefit amount.

Eligibility

You can avail of this product if you are: 

• At least 18 years old 
• A Filipino citizen
• A Fully Verified GCash user

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

• The policy owner or the child of the policy owner
  • If the policy owner is the one life assured, he/she must be a student 18-22 years old
  • If the Life Assured is the child of the policy owner, the child must be 5-17 years old
• 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

Purchase Pru Life UK PruPersonal Accident-Junior Protect

Your PRUPersonal Accident - Junior is not convertible to any other Pru Life UK plan or policy.

1. On your GCash App, tap GInsure
2. Tap Personal
3. Tap PRUPersonal Accident-Junior
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 Junior Protect Product. Select the package you want to avail and Tap Proceed
7. Fill in all the required details and upload 1 valid government ID
   • If Life Assured is the policy owner, the occupation should be ‘student’
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 the details of your transaction and tap Proceed
11. You will receive a payment confirmation of your successful purchase of the PruPersonal Accident- Junior

Note: You will receive an SMS and email with your PruPersonal Accident Junior Policy.

The coverage of PRUPersonal Accident - Junior is 12 months from the Coverage Start Date. 

A Policyowner-Life Assured with an existing policy cannot avail another policy, or upgrade or downgrade to a different policy unless the existing policy expires or is voluntarily cancelled.

However, the policy owner may avail multiple products for different Life Assureds, as long as they are his/her child/ren. 

You may renew your policy. PruLife UK will send an email prior to your Coverage End date for the renewal process.

Beneficiary

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

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, you may do so at any time during the coverage period of your policy by sending an email to contact.us@prulifeuk.com.ph.

Link Policy to Pulse App

Easily manage and have access to your policies on the Pulse app! Download and register to Pulse to manage and have access to your policies on the go. 

On the Pulse App, Tap PRUShoppe > PRUServices to view your policies. 

If your policy is not available on the app,  Tap Link Policy to sync your active policies on the app.

View Policy Contract

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

Cancellation and Claims

Claims

You may submit your claims request via business centers or by sending an email to contact.us@prulifeuk.com.ph.

Cancellation

Yes, you have fifteen (15) days from 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 on the initial purchase of the Policy only.

If you decide to cancel your policy, send an email to contact.us@prulifeuk.com.ph 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. 

In case of cancellation beyond the Free Look Period, the amount to be refunded will be in accordance with the Short Period rate scale indicated in the policy contract.

Contact

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