PRUvital Cover – Get insurance coverage even with medical conditions

Don't let pre-existing medical conditions discourage you from getting insurance coverage

Got rejected while trying to get insurance coverages?

While the importance of getting insurance coverage when you are young and healthy cannot be overstated, we know life sometimes hits you when it is least expected. Worse still, adding salt to the wound by getting rejected or exclusion for insurance coverages after having a medical condition.

Sadly, the importance of insurance is usually realised only when it is too late to act upon it.

However, this will soon be a thing of the past, now that you or your close ones can still be covered with this first of its kind term insurance plan from Prudential.

Who is PRUvital Cover meant for?

According to MOH, the percentages of the population (aged 18 to 65) diagnosed with one of the 4 medical conditions below stands at:

  • High BMI – 8.6%
  • High Blood Pressure – 23.5%
  • High Cholesterol Levels – 17.4%
  • Type 2 Diabetes – 10.8%

Insurance coverage was denied to some of them forever.

Now PRUvital Cover makes it possible for an individual with one or more of the above medical conditions to still get insurance coverage.

Related article: How much insurance coverage do you need in Singapore *NEW*

Related article: 3 Best Whole Life Plans for Insurance Coverages in Singapore (2023 Edition)

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What makes PRUvital Cover unique?

PRUvital Cover is the first term insurance plan in Singapore to offer insurance coverage to those with medical conditionals.

Exactly what can PRUvital Cover provide to those with existing medical conditions?

High Base Insurance coverage

On it own, the base plan offers high coverage of up to $500,000 Death coverage to individuals with 1 or more existing conditions of High Cholesterol, High Blood Pressure, High BMI and/or Type 2 Diabetes.

  • Up to S$500,000 Sum Assured

Choose your insurance coverage from a minimum of S$50,000 all the way to S$500,000.

Optional add-on coverage for Total and Permanent Disability

Add-on Vital Cover Disability rider for an Accelerated Disability Benefit which provides coverage against Total and Permanent Disability (TPD) up to age 70 or for the entire period which the policy is valid, whichever is lower.

  • Coverage for TPD up to age 70

With a lump sum payout for Total and Permanent Disability, sleep easier knowing you are protected.

Optional add-on coverage for Critical Illness

Want even more? You can even be covered for certain Critical Illnesses with the add-on Vital Crisis Care rider and Vital Crisis Waiver rider. The list of Critical Illness covered under the optional riders includes:

  • Blindness
  • Heart attack
  • Stroke
  • Cancer
  • Kidney failure

Get a lump sum payout for listed critical illnesses with Vital Crisis Care rider, or have your future insurance premium waived with Vital Crisis Waiver rider.

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What else is available in PRUvital Cover?

Looking for more benefits before deciding if this is the right plan?

Simplified Underwriting

The two words that individuals with pre-existing and existing medical conditions look for when getting any insurance plan.

  • Only answer 6 health questions for PRUvital Cover

You are absolutely right, NO MEDICAL EXAMINATION is required.

Levelled Premium

Put your mind at ease knowing your yearly insurance premium stays the same for the base plan throughout your policy term.

  • No sudden hike in the base plan insurance premium

Upon choosing your length of coverage, your insurance premium for your base plan will not increase. However, the premiums for the add-on rider may be subjected to adjustment at Prudential discretion.

Related article: Term life vs Whole life – Which is better for you?

All the good stuff said, what’s the catch?

Obviously, the insurance premium will be higher compared to a term insurance plan for a healthy individual of the same age.

  • Higher premium compared to a healthy individual

Do we really need to explain this? Come on, you can’t have your cake and eat it.

Wish to get PRUvital cover or know more about it?

Simply Drop us a message and let us work with your insurance needs.

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Understanding your coverage needs…

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Distribution policy: This article, its contents and information stated here may be partially or completely reproduced as long as proper credit and backlinks are attributed back to the main site at

Disclaimer: The information stated are meant for reference only and is not a contract of insurance. Please refer to the exact terms and conditions, specific details and exclusions applicable to these insurance products in the policy documents that can be obtained from your Prudential Financial Consultant.


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