When do I pay my premium?
- To ensure that your policy/ies remain in force, we encourage you to settle your renewal premium on or before the specified due date. Should you fail to settle the premium as it falls due, you can still pay your premium within the 31-day grace period without incurring interest.
What happens if my premium is left unpaid after the grace period?
- For traditional products:
If premium payment was not received before the end of the grace period, the policy will lapse. However, if your policy has already earned sufficient cash value, we will effect your chosen Non-Forfeiture Option (NFO). Non-Forfeiture Option (NFO) is a provision that allows a policy with enough cash value to continue the coverage, even if a renewal premium is not paid by the end of the grace period.
- For regular premium PruLink products:
If premium payment was not received before the end of the grace period, the policy will lapse. However, if the policy already has sufficient fund value, insurance charges will be deducted from the fund to keep your policy in force. Your policy will lapse once the fund value is no longer sufficient to settle the insurance charges.
During the lifetime of the policy, you have the option to correct or change your name, address, contact number, age, occupation, beneficiary, payor, premium payment schedule, etc.
- Change of personal data
This includes correction of the Insured or policy owner’s name, change in civil status, occupation, address, contact numbers and date of birth without change in age. The policy owner must submit a duly accomplished and signed Policy Amendment Request Form along with necessary documents such as birth certificate, marriage contract, specimen signature card and a valid government-issued ID.
- Change of premium payment schedule
All requests for change in your premium payment schedule are restricted to logical dates and should coincide with your policy’s anniversary or due date. Request for change to a more frequent mode of payment (e.g. annual to quarterly) will take effect on the next premium renewal date. A duly accomplished and signed Policy Amendment Request Form is required to process your request.
- Change of beneficiary
If you decide to change your beneficiary, submit a duly accomplished and signed Policy Amendment Request Form with consent of the irrevocable beneficiary/ies, if any.
- Change of payor
If the original policy owner surrenders his rights over the policy to another person with exactly the same insurable interest to the insured, the new payor is required to submit a duly accomplished and signed Policy Amendment Request Form along with a valid government-issued ID, policy contract and a specimen signature card.
- Change of non-forfeiture option (NFO) and dividend option
For traditional plans, you can request to change your chosen NFO and dividend option anytime. Simply submit a duly accomplished and signed Policy Amendment Request Form for us to process your request.
- Add an optional benefit
You may add an optional benefit to your policy at any time. We require payment of additional regular premium corresponding to the sum assured of the chosen optional benefit. Simply submit a duly accomplished and signed Policy Amendment Request Form along with your Policy Contract and Declaration of Proof of Insurability for us to process your request.
- Increase your regular premium
Depending on your plan, you can increase the amount of your regular premium at any time as long as the Life Insured is under age 60. For us to increase your regular premium, simply submit a duly accomplished and signed Policy Amendment Request Form along with your Policy contract.
- Decrease your regular premium
Depending on your plan, you can also reduce the amount of your regular premium as long as the reduced amount must be equal to or more than the minimum amount allowable for your plan. Simply submit a duly accomplished and signed Policy Amendment Request Form along with your Policy contract for us to process to request.
- Increase your Sum Assured
You can increase the Sum Assured of your policy once every policy year up to the maximum Sum Assured allowable for the attained age of the Life Insured, and as long as the Life Insured is under age 60. To increase your policy’s Sum Assured, simply submit a duly accomplished and signed Policy Amendment Request Form and Health Statement Form along with your policy contract. Additional requirements may be required depending on the appraisal of your request.
- Decrease your Sum Assured
You can reduce the Sum Assured of your policy after the first policy year and thereafter, once every policy year. For us to process your request, we require submission of a duly accomplished and signed Policy Amendment Request Form along with your Policy contract.
- Switch from one fund to another
You can switch the units of your fund to other funds that are available on your plan by simply submitting a duly accomplished and signed Premium Redirection/Fund Switch Form.
- Top-up
You can make an additional one-off payment (called top-up), subject to the Company’s rules and regulations, and if the Life Insured is within the acceptable age limits. Simply submit a duly accomplished and signed Top-up Form, Personal Financial Statement and Agent’s Confidential Information along with a valid government-issued ID for us to process your request.
You can reinstate your lapsed policy by visiting any of our branches and submitting a duly accomplished and signed Health Statement Form and payment of reinstatement costs. Our staff will inform you if there will be additional requirements we will be requiring from you and if your policy is still qualified for reinstatement. Please take note that the approval of the policy’s reinstatement is still subject to Pru Life UK’s underwriting guidelines. Reinstatement cost may also vary based on the final assessment of your application.
What is reinstatement by updating?
Reinstatement by updating requires payment of all unpaid premiums and overdue interest of the policy. The original policy effectivity date will not be affected. Submission of evidence of insurability satisfactory to us is needed.
What is reinstatement by re-dating?
Re-dating requires payment of the current premium, premium differences in case of change in the Insured’s age. Payment of the policy is computed based on the attained age of the Life Insured and an approved evidence of insurability submitted to us is needed.
What is premium resumption?
It is the recommencement of regular modal premium payment for PruLink policies that are kept in force through cancellation of available units to pay for all regular premiums in arrears or by paying only the current regular premium due.
How can I apply for a policy Loan?
Depending on the type of your life insurance plan, you can avail of the policy loan as soon as your policy has earned sufficient cash value. Just submit a duly accomplished and signed Loan Application Form with consent of irrevocable beneficiary/ies, if any, along with a valid government-issued ID. An assigned policy cannot avail of the policy loan without the consent of the assignee.
How much can I borrow for a policy loan?
Your maximum loanable amount is 80% of your available cash surrender value. Applicable interest charges are based on the prevailing market rates.
How can I apply for a cash surrender?
You may apply to withdraw all of your policy’s cash surrender value by simply returning your policy contract along with a duly accomplished and signed Cash Surrender Form and a valid government-issued ID. Additional requirements may be required, depending on the appraisal of your policy.
How can I apply for a partial or full withdrawal?
Once your policy has a withdrawal value, you can apply for a partial or full withdrawal at any time by asking us to sell some or all of the units allocated to your account. The price used to sell units depends on the timing when we receive your application. Simply submit a duly accomplished and signed PruLink Application for Withdrawal Form with consent of irrevocable beneficiary/ies, if any, and a valid government-issued ID for us to process your request.
How do I replace my lost policy contract?
You may request for a replacement contract by submitting a duly accomplished and notarized Agreement Pertaining to Loss or Destruction of Policy Form along with payment of PhP150.00.
Can I assign my Policy contract?
Your insurance policy contract can be used as part of a collateral agreement wherein the proceeds of your policy are shared to your assignee (the party receiving full of part of your insurance proceeds). To assign your policy contract, submission of two (2) copies of duly accomplished and notarized Assignment of Policy Form is required along with a copy of the Loan Agreement Form and consent of Irrevocable Beneficiaries and Release of Previous Assignment, if any.
How can I release the assignment of my Policy Contract?
As soon as your financial obligation is fully settled, you may request for the release of your policy's assignment. Submission of policy contract, accomplished Release of Policy Assignment Form, Policy Amendment Request Form (for change of beneficiary) and Secretary's Certificate of Board Resolution (if the Assignee is a Corporation) authorizing an officer to sign for the Company are required.
Should you have any questions regarding your policy, please call our PruCAT at telephone numbers (632) 8887 LIFE (8887 5433, for Metro Manila), and 1 800 10 PRULINK (1 800 10 7785465, for domestic toll-free). You may also fax your concerns to us at (632) 846 7586 or e-mail us at contact.us@prulifeuk.com.ph.
You may also enroll in our PRUaccess website under Customer Portal, at https://pruaccess.prulifeuk.com.ph
How to file for a claim?
- You or your claimant must send us the following documents as soon as practicable:
- Death Benefit
- Claimants Statement Form
- Attending Physician’s Statement Form
- Death Certificate (Original or certified true copy)
- Policy Contract. In case of loss, submit “Agreement pertaining to loss or destruction of Policy” Form signed by the beneficiary
- Birth certificate of Insured and beneficiary/ies
- Marriage contract/certificate
- Two (2) valid Identification cards of Insured and beneficiary. One (1) must be a government-issued ID
- Employer’s certification – this is for Group Yearly Renewable Term Policy
- Certificate of Insurance – This is for Group Insurance Policy
- Medical records (certified true copy) such as Admission Record, Patient History Sheet and Discharge Summary
- Proof of accident (certified true copy) such as Final Police Investigation Report and Sworn Statement or Affidavits on file of at least two witnesses to the incident
- Death Abroad Questionnaire
- Total and Permanent Disability
- Claimant’s Statement Form
- Attending Physician’s Statement Form
- Policy Contract
- Two (2) valid Identification cards of Insured. One (1) must be a government-issued ID
- Employer’s Certification
- Certificate of Insurance – this is for Group Insurance Policy
- Medical Records (certified true copy) such as Admission Record, Patient History Sheet and Discharge Summary; Record of Operation (if any); Clinical Abstract on disability or condition of the Insured for six (6) consecutive months, Activities of Daily Living
- Proof of Accident (certified true copy) such as Final Police Investigation Report and Sworn Statement or Affidavits on file of at least two witnesses to the incident
- Critical Illness
- Claimant’s Statement Form
- Attending Physician’s Statement Form for other Critical Illness
- Policy contract
- Two (2) valid Identification cards of Insured. One (1) must be a government-issued ID
Types of Critical Illnesses and their claim requirements:
- ATTENDING PHYSICIAN’S STATEMENT/S –accomplished by Cardiologist
- ALL ECG result & interpretation (certified true copy)
- Cardiac Enzyme – Troponin / CK-MB (certified true copy)
- Echocardiogram, if any. (certified true copy)
- ATTENDING PHYSICIAN’S STATEMENT/S –accomplished by Neurologist
- CT Scan (all) (certified true copy)
- MRI (certified true copy)
- ATTENDING PHYSICIAN’S STATEMENT/S –accomplished by Oncologist
- Biopsy and/or Histopathology Result (certified true copy)
- Bone Marrow Diagnostic result (if leukemia) (certified true copy)
- ATTENDING PHYSICIAN’S STATEMENT/S –accomplished by Surgeon
- Bone marrow – Hematologist
- Kidney – Nephrologist
- Liver – Hepatologist
- Heart – Cardiologist
- Lungs – Cardiovascular surgeon or Pulmonologist
- Record of Operation (certified true copy)
- ATTENDING PHYSICIAN’S STATEMENT/S –accomplished by Nephrologist
- Renal Function Test, BUN, Creatinine, 24-hour urine collection result, Glomerular Filtration Rate (GFR)
- Dialysis Record (certified true copy)
- ATTENDING PHYSICIAN’S STATEMENT/S –accomplished by Neurologist
- MRI (certified true copy)
- CT Scan (certified true copy)
- Activity of Daily Living
- ATTENDING PHYSICIAN’S STATEMENT/S –accomplished by Neurologist
- MRI (certified true copy)
- CT Scan (certified true copy)
- Neurologic Exam result and Activity of Daily Living
- ATTENDING PHYSICIAN’S STATEMENT/S –accomplished by Cardiologist & Cardiovascular Surgeon
- Echocardiogram (certified true copy)
- Record of Operation (certified true copy)
- Cardiac Catheterization (certified true copy)
- ATTENDING PHYSICIAN’S STATEMENT/S –accomplished by Cardiologist & Cardiovascular Surgeon
- ALL ECG result & interpretation (certified true copy)
- Echocardiogram, if any. (certified true copy)
- Record of Operation (certified true copy)
- Coronary Angiogram Result (certified true copy)
- ATTENDING PHYSICIAN’S STATEMENT/S –accomplished by Neurologist
- Neurologic Exam result and Activity of Daily Living
- ATTENDING PHYSICIAN’S STATEMENT/S –accomplished by Neurologist
- Neurologic Exam result and Activity of Daily Living
- ATTENDING PHYSICIAN’S STATEMENT/S –accomplished by Neurologist
- Neurologic Exam result
- ATTENDING PHYSICIAN’S STATEMENT/S –accomplished by Cardiologist & Cardiovascular Surgeon
- Record of Operation (certified true copy)
- ATTENDING PHYSICIAN’S STATEMENT/S –accomplished by Neurologist/ Infectious Disease Specialist
- Cerebrospinal Fluid (CSF) Exam result (certified true copy)
- Cerebrospinal Fluid (CSF) Culture (certified true copy)
- Neurological Exam result
- ATTENDING PHYSICIAN’S STATEMENT/S –accomplished by Neurologist
- CT Scan (all) (certified true copy)
- MRI (certified true copy)
- ATTENDING PHYSICIAN’S STATEMENT/S –accomplished by Hematologist
- Hematology Result / Blood Chemistry, reticulocyte count (certified true copy)
- Proof of treatment more than 3 months – blood transfusion or medications(certified true copy)
- Bone Marrow Aspiration biopsy result (certified true copy)
- ATTENDING PHYSICIAN’S STATEMENT/S –accomplished by Ophthalmologist
- Proof of Accident, if due to accident
- Record of Operation, if any (certified true copy)
- Slit lamp result (certified true copy)
- ATTENDING PHYSICIAN’S STATEMENT/S –accomplished by Pulmonologist
- FEV1 test Result every 3 months (certified true copy)
- Oxygen treatment Record (certified true copy)
- Arterial Blood Gas (ABG) result (certified true copy)
- ATTENDING PHYSICIAN’S STATEMENT/S –accomplished by Hepatologist or gastroeneterologist
- Liver Function Test Results- series (certified true copy)
- MRI of the abdomen (certified true copy)
- Dynamic CT Scan of the Liver / Ultrasound of the Liver (certified true copy)
- ATTENDING PHYSICIAN’S STATEMENT/S –accomplished by Neurologist
- ICU record for 4 days (certified true copy)
- Neurologic Exam Result 30 days after onset of coma (certified true copy)
- ATTENDING PHYSICIAN’S STATEMENT/S –accomplished by ENT
- Audiometry and sound-threshold test Result (certified true copy)
- ATTENDING PHYSICIAN’S STATEMENT/S –accomplished by ENT
- MRI of larynx (certified true copy)
- MRI and/or CT scan of the Brain (certified true copy)
- Proof of Accident, if damage is due to accident
- ATTENDING PHYSICIAN’S STATEMENT/S –accomplished by General Surgeon
- Body Surface Area Burn Record (certified true copy)
- ATTENDING PHYSICIAN’S STATEMENT/S –accomplished by Neurologist
- Neurological Exam Result for 4 months (certified true copy)
- ATTENDING PHYSICIAN’S STATEMENT/S –accomplished by Neurologist / Company Physician
- Memory Test Result (certified true copy)
- ATTENDING PHYSICIAN’S STATEMENT/S –accomplished by Hepatologist or Gastroenterologist
- Liver Function Test Results- series (certified true copy)
- MRI of the abdomen (certified true copy)
- Dynamic CT Scan of the Liver / Ultrasound of the Liver & biliary tree
- ATTENDING PHYSICIAN’S STATEMENT/S –accomplished by Cardiologist or Pulmonologist
- Echocardiogram (certified true copy)
- Cardiac Catheterization Result (certified true copy)
- ATTENDING PHYSICIAN’S STATEMENT/S
- Medical Records (certified true copy) such as Admission Record, Patient History Sheet and Discharge Summary; Clinical Abstract.
- ATTENDING PHYSICIAN’S STATEMENT/S –accomplished by Infectious Disease Specialist
- Medical Record of blood Transfusion, indication for Blood Transfusion (certified true copy)
- Medical Certification from Hospital who administered blood transfusion Occupationally Acquired HIV
- ATTENDING PHYSICIAN’S STATEMENT/S –accomplished by Infectious Disease Specialist
- Incident Report to its senior and Company (certified true copy)
- HIV Test result within 5 days from incident (certified true copy)
- HIV Test result after 6 months (certified true copy)
- ATTENDING PHYSICIAN’S STATEMENT/S –accomplished by Neurologist
- Neurologic Exam Result after six (6) consecutive months (certified true copy)
- Activities of Daily Living
- ATTENDING PHYSICIAN’S STATEMENT/S –accomplished by Neurologist / Neurosurgeon / General Surgeon
- Proof of Accident (certified true copy)
- Neurologic Exam Result after three (3) months (certified true copy)
- Activities of Daily Living
- ATTENDING PHYSICIAN’S STATEMENT/S –accomplished by Neurologist
- Neurologic Exam Result after six (6) months (certified true copy)
- Proof of Accident, if due to accident. (certified true copy)
- ATTENDING PHYSICIAN’S STATEMENT/S –accomplished by Rheumatologist
- Biopsy and Serological results (certified true copy)
- 2D Echocardiography (certified true copy)
- BUN, Creatinine (certified true copy)
- Chest X-ray and Pulmonary Function Test (certified true copy)
- ATTENDING PHYSICIAN’S STATEMENT/S –accomplished by Rheumatologist
- Lupus Panel Result, CBC with quantitative platelet count (certified true copy)
- Glomerular Filtration Rate (GFR) Test Result (certified true copy)
- 24-Hour Urine albumin or protein (certified true copy)
- ATTENDING PHYSICIAN’S STATEMENT/S –accomplished by Neurologist and Neurosurgeon
- Record of Operation (certified true copy)
- Neurologic Exam Result after 30 days (certified true copy)
- Activities of Daily Living
- ATTENDING PHYSICIAN’S STATEMENT/S –accomplished by Nephrologist
- Glomerular Filtration Rate Test Result (certified true copy)
- Creatinine Result (certified true copy)
- Renal Dialysis record (certified true copy)
- Ultrasound KUB
- Hospital Income
- Claimant’s Statement Form
- Attending Physician’s Statement Form
- Two (2) valid Identification cards of Insured and Beneficiary. 1 must be Government Issued ID.
- Medical Records (Certified True Copy) such as Admission Record, Patient History Sheet and Discharge Summary.
- Proof of Accident (Certified True Copy) such as Final Police Investigation Report and Sworn Statement or Affidavits on file of at least two witnesses to the incident.
- Hospital Statement of Account. Showing admission date, time and discharge date, time.
- Employer’s Certification – This is for Group Yearly Renewable Term Policy
- Certificate of Insurance – This is for Group Insurance Policy.
Surgical Expense Benefit
- Same requirements for Hospital Income.
- Record of Operation (Certified True Copy)
- Original Official Receipts of Surgeon’s Fee, Anesthesiologist’s Fee, Operating Room Fee and Recovery Room Fee.
ICU Benefit
- Same requirements for Hospital Income.
- Hospital Statement of Account showing number of days stayed in ICU.
- Pru Lady Plan
- Claimant’s Statement Form
- Policy Contract.
- Two (2) valid Identification cards of Insured (1 must be Government Issued ID).
- Medical Records (Certified True Copy) such as Admission Record, Patient History Sheet and Discharge Summary
- Attending Physician Statement- Core Benefit
- Attending Physician Statement- Optional Benefit
PRULADY CORE BENEFIT
- In the event of Female Invasive Cancer
- 1.1. ATTENDING PHYSICIAN’S STATEMENT/ S –accomplished by Oncologist
- 1.2. Biopsy and/or Histopathology Result (Certified True Copy)
- In the event of Hysterectomy
- 2.1. ATTENDING PHYSICIAN’S STATEMENT/ S –accomplished by Oncologist
- 2.2. Record of Operation (Certified True Copy)
- 2.3. Ultrasound Result (Certified True Copy)
- 2.4. Biopsy and/or Histopathology Result (Certified True Copy)
- In the event of Dilatation & Curettage
- 3.1. ATTENDING PHYSICIAN’S STATEMENT/ S –accomplished by OB-Gynecologist
- 3.2. Biopsy and/or Histopathology Result (Certified True Copy)
- 3.3. Record of Operation (Certified True Copy)
- In the event of Systemic Lupus Erythematosus
- 4.1. ATTENDING PHYSICIAN’S STATEMENT/ S –accomplished by Rheumatologist
- 4.2. Lupus Panel Result, CBC with quantitative platelet count (Certified True Copy)
- 4.3. Glomerular Filtration Rate (GFR) Test Result (Certified True Copy)
- 4.4. 24-Hour Urine albumin or protein (Certified True Copy)
- In the event of Facial Reconstructive Surgery and Skin Grafting
- 5.1. ATTENDING PHYSICIAN’S STATEMENT/ S –accomplished by Surgeon
- 5.2. Record of Operation (Certified True Copy)
- 5.3. Body Surface Area Burn Record (Certified True Copy)
- 5.4. Proof of Accident
- In the event of Loss of Independent Existence
- 6.1. ATTENDING PHYSICIAN’S STATEMENT/ S –accomplished by Neurologist
- 6.2. MRI (Certified True Copy)
- 6.3. CT Sc ran (Certified True Copy)
- 6.4. Neurologic Exam result (Certified True Copy)
- 6.5. Clinical Abstract on disability or condition of the Insured, Activities of Daily Living.
PRULADY OPTIONAL BENEFIT
In the event of Maternity Complication
- Death of Fetus
- 1.1. ATTENDING PHYSICIAN’S STATEMENT/S –accomplished by OB-Gyne
- 1.2. Ultrasound Result after 25 weeks of pregnancy (Certified True Copy)
- 1.3. Obstetric Records (Certified True Copy)
- 1.4. Certificate of Fetal Death (Certified True Copy)
- Death of Infant
- 2.1. ATTENDING PHYSICIAN’S STATEMENT/S –accomplished by OB-Gyne
- 2.2. Certificate of Live Birth of Child (Certified True Copy)
- 2.3. Record of Operation (Certified True Copy)
- 2.4. Certificate of Death (Certified True Copy)
- Disseminated Intravascular Coagulation
- 3.1. ATTENDING PHYSICIAN’S STATEMENT/S
- 3.2. Hematology Results (Certified True Copy)
- 3.3. Obstetric Records (Certified True Copy)
- Ectopic Pregnancy
- 4.1. ATTENDING PHYSICIAN’S STATEMENT/S –accomplished by OB-Gyne
- 4.2. Ultrasound Result (Certified True Copy)
- 4.3. Record of Operation (Certified True Copy)
- 4.4. Obstetric Records (Certified True Copy)
In the event of Congenital Anomaly
- Down’s Syndrome
- 1.1. ATTENDING PHYSICIAN’S STATEMENT/S –accomplished by Neurologist
- 1.2. Physical and Mental Development Examination Result (Certified True Copy)
- 1.3. Two (2) valid Identification cards of child (Clear copy of signature)
- 1.4. Birth Certificate of Child.
- 1.5. Admission & Discharge record on delivery of child.
- Spina Bifida
- 2.1. ATTENDING PHYSICIAN’S STATEMENT/S –accomplished by Neurologist
- 2.2. X-ray (Certified True Copy)
- 2.3. Ultrasound (Certified True Copy)
- 2.4. CT Scan (Certified True Copy)
- 2.5. MRI (Certified True Copy)
- 2.6. Two (2) valid Identification cards of child
- Tetralogy of Fallot
- 3.1. ATTENDING PHYSICIAN’S STATEMENT/S –accomplished by Cardiologist
- 3.2. Echocardiogram (Certified True Copy)
- 3.3. Chest X-ray (Certified True Copy)
- 3.4. Two (2) valid Identification cards of child
- Transposition of Great Vessel
- 4.1. ATTENDING PHYSICIAN’S STATEMENT/S –accomplished by Pediatric Cardiologist
- 4.2. Echocardiogram (Certified True Copy)
- 4.3. Chest X-ray (Certified True Copy)
- 4.4. Two (2) valid Identification cards of child
Accidental Medical Expense Reimbursement
- Claimant’s Statement Form
- Attending Physician’s Statement Form
- Two (2) valid Identification cards of Insured and Beneficiary. 1 must be Government issued ID.
- Original Official Receipts related to treatment of injury. (Expenses incurred within 30 days from date of accident.)
- Proof of Accident (Certified True Copy) such as
- Incident Report (for minor incidents) from the Insured or any witness/es to the incident.
- Final Police Investigation Report and Sworn Statement or Affidavits on file of at least two witnesses to the incident.
Field Trip Coverage
- Same requirements for Death Benefit
- Proof of Accident
- Certificate from School
*We reserve the right to ask you or your claimant to provide at your own expense more documents or evidence to help us assess the claim.
*All forms & proofs of claim obtained outside the Philippines must be in English and duly authenticated by the Phil. Consul.
Policy Maturity
The Company will send you a letter stating when and how you can claim the Policy Maturity.
The following items are needed for us to process and release your maturity proceeds:
- Duly completed Mode of Release Confirmation Form. This form is attached to the letter which we will send you upon Maturity of your Policy.
- Original Policy Contract. For lost policy, please submit a duly notarized Affidavit of Loss and Destruction Form.
- Two (2) valid Identification cards of Policyowner. 1 must be Government issued ID.
Succeeding policy benefits, if any, will automatically be released following the option elected and shall remain in effect until further notice.