Rider insurance Healthcare rider PRU-HEALTH+

Age limits (age at last birthday)
For Basic Care: 6 years old to 65 years old
For Advanced Care/ Comprehensive Care/ Perfect Care : 30 days - 65 years old
Expired age: maximum 70 years old
Policy term: Yearly renewable term

• Allow Main Life Insured (LI) to choose any Insurance Plans.
• Allow Additional LI to choose only Inpatient Treatment Benefit (whether Main LI has or does not has HCR1). In case, Additional LI would like to choose other Optional benefits, then Main LI must have that Optional benefits and Insurance Plan of Additional LI must be equal or lower than Main LI.

• For Children (as Main LI or Additional LI), beside the above conditions, if:

  • 30 days – 10 years old: Can only be a LA if one of the parents is both PO and LA of this rider (not require in the same policy). The child, in that age range, can only be insured with a same or lower Insurance Plan than the parents’.

  • 11 – 18 years old: can only be a LA if one of the parents is PO of this rider.

Prudential shall not settle any Medical Expenses / Policy Benefits for Rider arising out of, in connection with or as a result of the following:

• The Pre-existing Medical Condition is not declared, or the declared Rre-existing Medical Condition and is not approved in writing by Prudential at the time of underwriting 
• Congenital diseases and congenital anomalies, genetic testing or counseling;
• HIV infection, acquired immunodeficiency syndrome (AIDS) venereal disease and sexually transmitted diseases, including complications of the Disease and side effects of treating Disease;
• Treatment of conditions arising directly or indirectly related to suicide, attempted suicide, intentionally causing injuries whether in a state of alertness or insanity;or any Injury arising when Life Assured is under the influence of alcohol, narcotic, anesthetic, stimulant;
• Injury or Illness resulting from the commission or attempted commission of criminal acts or violations of law by the Insured, the Beneficiary or the Insured;
• All examination and treatment related to maternity, birth delivery (including whether or not a natural delivery or caesarean section) and other Pregnancy complications not covered under Inpatient Benefits unless Life Assured is covered under Maternity Care Benefit;

The Exclusions herein are for reference only. Details of regulations of Insurance policy are specified in the Terms and Conditions.

This is an insurance product provided by Prudential Vietnam, not a product of MSB operating as insurance agency. Participating in the insurance product is not a mandatory condition for carrying out any other activities and services of MSB.