Unfortunately, no. For the PRUShield package in Pulse, the policyowner and life insured must be the same person. In case you want to name a different Life Insured, you may avail PRUShield through an agent, subject to full underwriting.

Can I cancel my policy?

You will be given a period of fifteen (15) days from your Policy Receipt Date to review you Policy. This is called the Free Look Period. The date that the email confirmation of your policy approval is sent shall be considered as your Policy Receipt Date and your 15-day Free Look Period will begin on this date. Should you decide that the policy is not suitable to your needs and wish to cancel your Policy, you must notify us through the My Policy section of your Pulse app within the Free Look Period.

How long do I wait before the policy gets approved?

Once you have successfully paid your PRUShield policy, you will receive a confirmation email within twenty-four (24) hours. You will also see your Policy Contract in the My Policy section of your Pulse app.

Can I avail more than one PRUShield policy?

You may only have one PRUShield policy that is availed through Pulse per policy year. Should you wish to have another PRUShield policy or a PRUShield policy with higher coverage, you may contact your agent or contact.us@prulifeuk.com.ph, subject to full underwriting.

How long is the coverage period of this policy?

The coverage period of your PRUShield policy is one (1) year.

If the policy expires after one (1) year, can I have it renewed?

Yes. You may renew your policy by paying the corresponding premium. We will send you a notification and instructions on how to renew the policy fifteen (15) days before the policy expiry date.

I got hospitalized the day after I purchased my PRUShield policy. Can I immediately claim the hospital income benefit?

If the cause of confinement is due to an injury, you can immediately claim the Daily Hospital Income benefit.

If the cause of confinement is due to an illness, there is a waiting period for Daily Hospital Income which is thirty (30) days from the effectivity date of this rider or the date of the last reinstatement of this policy. Claim requirements are subject to review and decision.

Can I receive a claim on Daily Hospital Income if I am hospitalized due to a pre-existing condition?

No amount will be paid if the claim is based on a pre-existing condition, unless the life insured has been continuously covered for twelve (12) consecutive months from this rider’s effectivity date or the last date of reinstatement of the policy. For the full definition of pre-existing condition, you may refer to PRUShield’s Terms and Conditions here.

How do I file a claim on Daily Hospital Income benefit?

The following are the requirements for Daily Hospital Income benefit claims submissions. You or your claimant must submit these within ninety (90) days from hospital discharge:

• Accomplished claimant’s statement

• Attending physician’s statement

• Admission summary & discharge clinical abstract summary; and

• Duly certified statement of account of hospitalization

Claim requirements are subject to review and decision.

I am a beneficiary of a PRUShield policy, how do I claim my benefit?

The following are the requirements for death claims submissions. As a beneficiary, you will be advised in due time how you can submit the requirements:

• Accomplished claimant’s statement

• Original death certificate or certified true copy

• Birth or baptismal certificate of the Life Insured and primary beneficiary/ies; and

• Current Policy Data Page

You may be required to submit additional documents or evidence to help Pru Life UK assess the claim.

Will the policy terminate if the Hospital Income benefit is paid to the Life Insured?