By understanding your unique needs, Prudential is always able to innovate and offer you relevant products. We offer a comprehensive range of life insurance and investment-linked products to meet the needs of our customers. And we will continue to enhance our existing offerings and explore new ones to suit your changing lifestyle and financial goals.

PRODUCTS:

PRUlink assurance account plus

PRUlink assurance account plus (PAA) is a unique life insurance program with maximum flexibility, enabling you to change the level of sum assured, premium and the mode of payment according to your needs. You can also add optional insurance features such as hospitalisation, accident or dread disease coverage into the existing scheme. Finally, you can choose one or a combination of the following 6 existing fund investment options, with the flexibility to change it anytime you want to.

PRUlink investor account

PRUlink investor account is a single premium unit linked product that offers you a range of investment funds choices. Beside that you may have optimum investment return, also this product provides you a comprehensive protections against death risk or total and permanent disability risk. This product provide you the freedom to choose the investment funds to optimize the investment return, taking into account the Policyholder requirements and risk profile.

PRUlink syariah assurance account

PRUlink syariah assurance account (PAA Syariah) is a unique syariah life insurance program with maximum flexibility, enabling you to change the level of sum covered, contribution and the mode of payment according to your needs. You can also add optional insurance features such as hospitalisation, accident or dread disease coverage into the existing scheme. Finally, you can choose one or a combination of the following 3 fund investment options, with the flexibility to change it anytime you want to.

PRUlink syariah investor account

PRUlink syariah investor account (PIA Syariah) is a single contribution unit linked product that offers you a range of syariah investment funds choices. Beside that you may have optimum investment return, also this product provides you a comprehensive protections against death risk or total and permanent disability risk. This product provide you the freedom to choose the syariah investment funds to optimize the investment return, taking into account the Policyholder requirements and risk profile.

PRUlink fixed pay

PRUlink fixed pay is a unit linked product designed to provide flexibility to meet life stage changes over the years with a guaranteed death benefit* and a choice of fixed regular premium payment periods.

* Terms and conditions apply

PRUmajor medical

PRUmajor medical is designed to cover the needs for upper-middle income household of a comprehensive 24-hour worldwide health insurance protection that are not covered by the current product range in the market. With its 24 hours a day, 7 days a week and 365 days a year of worldwide protection, PRUmajor medical gives you a comprehensive medical assistance before you undergo your hospitalization. As a major medical insurance protection, PRUmajor medical covers sudden and significant medical expenses due to illnesses or accident. This product will cover your medical expenses in US Dollar from pre to post hospitalization in Indonesia and overseas, such as Singapore and Malaysia*). And if your medical condition necessitate you to have an overseas treatment, PRUmajor medical will cover your medical expenses based on Singapore's standard hospital charges or actual expenses, whichever is lower. Right now, PRUmajor medical is offered only to the existing Prudential's policy holders.

*) Not applicable for USA, Canada and Japan.

PRUaccident plus

PRUaccident plus offers you the simplest way to join an accidental insurance without the obligation to firstly buy another life insurance program. Now, with PRUaccident plus you have the freedom to only buy accidental insurance. As such, this will help you to minimize amount of premium that you have to pay. Surely, by having this insurance you will get a comprehensive coverage on accident that may cause you to suffer disability or even die. Indeed, the program gives you the benefit to get sum assured bonus in the first three year of your joining and yearly automatically policy renewal.

PRUprotector plan

PRUprotector plan is designed to ensure you and your family is secured financially together from unexpected conditions that could happen any time in your life. It will not limit to that. As a combination of life insurance program and savings, PRUprotector plan will always ready to provide fresh fund for you and the family in case needed since the value of your savings will continue to increase along your joining. The most interesting thing of this program is the payment term. You only need to pay premium for 10 years while the life protection will continue on until the next 10 years.

PRUhospital care

PRUhospital care is a health insurance product providing Daily Benefit. Should you ever be hospitalized or you have to take the treatment in Intensive Care Unit, Surgery Operation and hospitalized due to an accident when you travelled overseas, you are entitled to a daily cash payment.

PRUuniversal life

PRUuniversal life is a life insurance product that provides life insurance protection as well as funds management with a low investment risk profile, designed to meet your needs in all life stages.

PRUlife cover

PRUlife cover is a life insurance product that provide life insurance protection if the insured passed away before the end of the PRUlife cover coverage or suffers from total and permanent disability before the age of 60 years.

PRUlink FUNDS:

PRUlink Rupiah Managed Fund

PRUlink Rupiah Managed Fund is a long-term investment fund designed to help you earn maximum investment gains through fund placements in Rupiah using instruments of investment such as bonds, stocks and other money market instruments. Allocation of funds will be determined by Fund Managers and will be subject to change at any time. This option is ideally suited if you are an investor preferring attractive long-term investment gains, and at the same time ready to sustain varied and moderate levels of investment risks.

PRUlink Rupiah Managed Fund plus

PRUlink Rupiah Managed Fund plus is a long-term investment fund designed to help you earn maximum investment gains through fund placements in Rupiah using instruments of investment such as stocks, bonds and other money market instruments. Allocation of funds will be determined by Fund Managers and will be subject to change at any time. This option is ideally suited if you are an investor preferring attractive long-term investment gains, and at the same time ready to sustain moderate-to-high levels of investment risks.

PRUlink USD Fixed Income Fund

PRUlink USD Fixed Income Fund is a long-term investment fund designed to help you earn maximum investment gains through fund placements in US Dollar using instruments of investment such as bonds and other money market instruments. This option is ideally suited for investors who chose to maintain their investments in US Dollar, thus avoiding fluctuations in the Rupiah.

PRUlink Rupiah Equity Fund

PRUlink Rupiah Equity Fund is a vehicle to invest your fund in order to obtain investment gains medium to long-term through fund placements in quality Jakarta Stock Exchange (BEJ) listed Indonesian company stocks. This option is particularly suited if you prefer long-term investment gains with a higher rate of return, and at the same time in a condition to sustain high investment risks. Unit prices for Rupiah Equity Fund will fluctuate

PRUlink Rupiah Fixed Income Fund

PRUlink Rupiah Fixed Income Fund is a medium to long-term investment fund designed to help you get attractive investment gains through fund placements in Rupiah using fixed income instruments such as bonds and other money market instruments. This option gives you medium to long-term investment gains with a high level of security and flexibility. It is ideally suited if you prefer a stable rate of long-term returns and in a condition to sustain moderate to low investment risks.

PRUlink Rupiah Cash Fund

PRUlink Rupiah Cash Fund is an investment fund designed to help you earn maximum investment gains through fund placements in Rupiah using money market instruments such as time deposits and SBI. This option offers you an attractive rate of returns coupled with a high security level. It is very well suited if you are a conservative investor prefering stable investment gains and in a condition to sustain low to moderate investment risks.

This product provide you the freedom to choose the investment funds to optimize the investment return, taking into account the Policyholder requirements and risk profile.

PRUlink Syariah Rupiah Managed Fund

PRUlink Syariah Rupiah Managed Fund is a long-term investment fund designed to help you earn maximum investment gains through fund placements in Rupiah using instruments of investment such as syariah bonds and syariah stocks. Allocation of funds will be determined by Fund Managers and will be subject to change at any time. This option is ideally suited if you are an investor preferring attractive long-term investment gains, and at the same time ready to sustain varied and moderate levels of investment risks.

PRUlink Syariah Rupiah Equity Fund

PRUlink Syariah Rupiah Equity Fund is a vehicle to invest your fund in order to obtain investment gains medium to long-term through fund placements in syariah and quality stocks listed on Jakarta Stock Exchange (BEJ). This option is particularly suited if you prefer long-term investment gains with a higher rate of return, and at the same time in a condition to sustain high investment risks.

PRUlink Syariah Rupiah Cash & Bond Fund

RIDERS:

PRUterm

PRUterm offers additional protection to help you increase the amount of the sum assured. PRUterm will pay you 100% of the sum assured should a calamity befall you.

PRUmortgage

PRUmortgage will boost your protection by assisting you in outlining a finance scheme for a pre-determined period of time. It will take care of your loans in the event that the unforeseen should happen to you by providing 100% of the sum assured.

PRUwaiver

PRUwaiver will help you continue to pay your premiums (both basic and optional products) should you be diagnosed with one of 34 critical illnesses.

PRUincome

PRUincome is an optional life insurance product to protect your income and at the same time providing protection for your children. You will receive a lump sum that will be paid in 4 installments every 3 months until the end of the insurance period in the event of death or total and permanent disability before the age of 60 years or if you are diagnosed with one of 34 critical illnesses.

PRUpersonal accident death

PRUpersonal accident death is an optional life insurance feature that provides 100% of sum assured in the event of sudden and unintentional death by accident. 2 times of the sum assured will be paid to the person insured in the event of death caused by accidents in public transportation, a burning public building and an elevator.

PRUpersonal accident death & disablement

PRUpersonal accident death & disablement is an optional life insurance feature that provides 100% of the sum assured in the event of death by accident. You will be paid a pre-determined percentage of the sum assured should you be rendered totally and permanently disabled in an accident. In the event of an accidental fatality in public transportation, an elevator or a burning public building, you will receive 2 times of the sum assured amount.

PRUdisability provider

PRUdisability provider is a feature you can add to your basic plan for a more comprehensive coverage of total permanent disability. PRUdisability provider will provide coverage until the age of 65 years in the event of total and permanent disability. Another benefit is a yearly lump sum payment of 10% of the sum assured starting from the 3rd year of disability until the age of 65, in the event that total and permanent disability occurs before the age of 50.

PRUspouse waiver

PRUspouse waiver is optional life insurance product which will help you continue to pay premium of your basic product, PRUcrisis cover and PRUcrisis cover plus to ease the burdens of family expenditures in the event that your spouse is diagnosed with one of 34 critical illnesses or is totally and permanently disabled before the age of 60 or dies during the period of insurance. PRUspouse waiver is also available for PRUlink assurance account where it waives not only the PRUlink assurance account premium which automatically also waives premiums of all optional products in the event that your spouse is diagnosed with one of 34 critical illnesses or is totally and permanently disabled before the age of 60 or dies during the period of insurance.

PRUspouse payor

The same as PRUspouse waiver, PRUspouse payor will waive PRUlink assurance account premium including PRUsaver in the event of death of your spouse or if your spouse is diagnosed with one of 34 critical illnesses or be rendered totally and permanently disabled before the age of 60 years in the 1st 10 years of your PRUspouse payor period. This optional product is available for PRUlink assurance account only.

PRUpayor

PRUpayor will make sure that you do not have to worry about paying your PRUlink assurance account and PRUsaver premiums should you be diagnosed with one of the 34 critical illnesses in the 1st 10 years of your PRUpayor program until you reach the age of 65 years. You will be freed from these responsibilities and PT Prudential Life Assurance will take over. This optional product is available for PRUlink assurance account only.

PRUmed

PRUmed is a hospitalization plan designed to help you and your family to cover hospitalization expenses. Should you ever be hospitalized you are entitled to a daily cash payment to cover for medication, doctors, administration charges, etc. A double daily cash payment will be made available to you if you are treated in an intensive care unit. If you have to undergo minor, intermediate, major or complex surgery a cash payment will be provided accordingly. In the event of hospitalization overseas as a result of an overseas accident you will receive a doubled daily cash payment.

PRUparent payor

PRUparent payor is a program which will make it possible for PT Prudential Life Assurance to take over the responsibilities from parents to continue payment of PRUlink assurance account and PRUsaver premiums until the child insured reaches certain age should either one of the parents be diagnosed with one of 34 critical illnesses or be totally and permanently disabled before they reach 60 years of age or dies during the period of insurance.

PRUcrisis cover

PRUcrisis cover will give you 100% of the PRUcrisis cover sum assured in the unfortunate event when you are diagnosed with one of 34 critical illnesses.

PRUcrisis cover plus

PRUcrisis cover plus is designed for those of you who want to have more benefits besides coverage in the event of a critical illness. Thus, it will pay you 100% of the sum assured in the event of death, besides a lump sum of 100% of PRUcrisis cover plus sum assured should you be diagnosed with one of 34 critical illnesses.

PRUcrisis income

PRUcrisis income gives the critical condition benefit to its insured by paying annual income in the monthly-basis until certain age period.

PRUmultiple crisis cover

PRUmultiple crisis cover covers up to 3 critical condition claims plus 1 added claim for Angioplasty and other invasive treatments for coronary heart disease.

PRUhospital & surgical

PRUhospital & surgical will give the insured reimbursement for inpatient, ICU and surgical fees according to specific benefit plan taken, while the insured is being treated in the hospital.

PRUhospital & surgical 75

PRUhospital & surgical 75 will reimburse the entire cost of hospitalization, intensive care and surgery according to specific benefit plan taken, while the insured is being treated in the hospital, up to age of 75 years.

PRODUCTS WITH PARTNERS:

Citibank

Credit Shield Regular

With a relatively light premium payment, Regular Credit Shield will be really helpful to decrease the burden of the family if there is something happened to the insured person, through sum assured benefit payment if insured person passed away or total and permanently disable.

Credit Shield Plus

Beside giving sum assured benefit payment upon death of insured person or total and permanent or temporary disability, Credit Shield Plus is also offering protection of 7 critical illness, such as cancer, stroke, etc.

Credit Shield Lite

Provide life and total and permanent disability insurances to the Credit Card Holder. With a relatively light premium payment, Credit Shield Lite will make sure that you and your family is financially protected of unexpected risk.

Credit Shield Max

Created to protect you as a Credit Card Holder to prepare life risk such as passed away, total or partially and permanent disability and critical illness. Credit Shield Max will ease the burden of you and your family in taking care of your credit card outstanding balance as amount of credit limit.

Credit Guard Plus

Designed to protect you as the unsecured loan debtor of Citibank. It provides the benefit of outstanding balance payment upon death and/or critical illness of the life assured. This program will be provided with a relatively light premium and a flexible term of payment.

Hospital In Safe

Provides benefits for hospitalization, ICU treatments, hospitalization due to an infection illness, hospitalization due to an accident when traveling overseas and surgery benefit.

Critical Live In Safe

If an unexpected risk happened in your life and it influence your ability to gather income, PT. Prudential Life Assurance will give critical illness benefit (stroke, cancer, heart attack, etc.), with 3 plans that you can choose from depending on your needs.