Getting struck by critical illness is expensive. 

Your hard-earned wealth you saved up for decades can be swiped away by recurring hospital bills. 

And the worst about it is that, the lifestyle and the comfortable life you dreamed of for your family can be compromised. 

By getting a variable unit-linked life insurance (VUL) policy from Pru Life UK, you will be given a Critical Illness benefit with a sum depending on your choice, your age(and health condition) and the amount of annual premium you can afford. 

Having that Critical Illness benefit, you are automatically covered for 36 critical illnesses listed below. 

IMPORTANT NOTE: Merit of the claim will depend on the actual terms and conditions written on the insurance policy contract. Talk to your Financial Advisor to know more.

Critical Illness Insurance 1: Heart Attack
The death of a portion of the heart muscle as a result of inadequate blood supply to the relevant area.

      Critical Illness Insurance No. 2: Stroke
Any cerebrovascular incident producing neurological sequelae lasting more than twenty-four (24) hours and including infraction of brain tissue, hemorrhage and embolization from an ex-cranial source.

Critical Illness Insurance No. 3: Cancer
Cancer – Cancer is a malignant tumor characterized by the uncontrolled growth and of malignant cells with invasion and destruction of normal tissue.

Critical Illness Insurance No. 4: Major Organ Transplant
The actual undergoing as a recipient if a transplant of a heart and lung, liver, pancreas, kidney or bone marrow.

Critical Illness Insurance No. 5: Renal Failure
The end stage renal disease, due to whatever cause of causes, with the Life Insured undergoing regular peritoneal dialysis of hemodialysis or having had renal transplantation.

Critical Illness Insurance No. 6: Multiple Sclerosis
The unequivocal diagnosis by a registered consultant neurologist confirming more than one episode of well-define neurological deficit, with persisting signs or involvement of the optic nerves, brain stem and spinal cord together with impairment of coordination and motor and sensory function, with the Life Insured not necessarily confined to a wheelchair.

Critical Illness Insurance No. 7: Motor Neuron Disease
A motor neuron disease of unknown aetiology is characterized by progressive degeneration spinal muscular atrophy, progressive bulbar palsy, amyotrophic lateral sclerosis and primary lateral sclerosis.

Critical Illness Insurance No. 8: Heart Valve Surgery
The undergoing of open heart surgery to correct valvular abnormalities.

Critical Illness Insurance No. 9: Coronary Artery Bypass Surgery
The undergoing of heart surgery to correct narrowing of blockage of one or more coronary arteries with bypass grafts in persons with limiting anginal symptoms, but excluding non-surgical techniques such as balloon angioplasty or laser relief of an obstruction.

      Critical Illness Insurance No. 10: Parkinson's Disease
      A slow and progressive degenarative disease of the central nervous system as a result of loss of pigment containing neurones of the brain.

      Critical Illness Insurance No. 11: Muscular Dystrophy
      A hereditary muscular dystrophy confirmed by a registered consultant neurologist resulting in the inability to perform without assistance of three (3) or more of the following – bathing, dressing, using the lavatory, eating, moving in or out of the bed or chair.

     Critical Illness Insurance No. 12: Poliomyelitis
     The unequivocal diagnosis by a registered consultant neurologist of infection by the polio virus leading to paralytic disease as evidence by impaired motor function or respiratory weakness.

     Critical Illness Insurance No. 13: Aortal Surgery
The undergoing of surgery to correct any narrowing, dissection or aneurysism or the thoracic or abdominal aorta.

Critical Illness Insurance No. 14Bacterial Meningitis
Bacterial Meningitis causing inflamation of the brain or spinal cord resulting in permanent neurological deficit. The diagnosis is to be confirmed by a registered consultant nuerologist.

Critical Illness Insurance No. 15Brain Tumor
A non-cancerous tumor in the brain. Does not cover cysts, granulomas, malformations in, or of, the arteries or veins of the brain, hematomas and tumors in the pituitary gland or spine.

Critical Illness Insurance No. 16Aplastic Anemia
Aplastic Anemia is chronic persistent bone marrow failure. A certified hematologist must make the diagnosis of severe irreversible aplastic anemia.

Critical Illness Insurance No. 17: Blindness
Total, permanent and irreversible loss of all vision in both eyes as a result of illness or accident. The diagnosis must be clinically confirmed by an appropriate consultant. The blindness must not be correctible by aides or surgical procedures.

Critical Illness Insurance No. 18End-Stage Lung Disease
End-stage lung disease, causing chronic respiratory failure.

Critical Illness Insurance No. 19End-Stage Liver Failure
Permanent and irreversible failure of liver function.

Critical Illness Insurance No. 20Coma
Coma is a state of unconsciousness with no reaction to external stimuli or internal needs. Coma resulting directly from alcohol or drug abuse is excluded.

Critical Illness Insurance No. 21Deafness
Total, bilateral and irreversible loss of hearing for all sounds as a result of sickness or accident. Medical evidence to be supplied by an appropriate specialist and to include audiometric and sound-threshold testing.

Critical Illness Insurance No. 22Loss of Speech
Total and permanent loss of the ability to produce intelligible speech as a result of irreversible damage to the larynx or its nerve supply from the speech centre of the brain caused by injury, tumor or sickness. All psychiatric causes of loss of speech are excluded.

Critical Illness Insurance No. 23: Major Burns
Third-degree burns with scarring that cover at least 20% of the body’s surface are. A certified physician must confirm the diagnosis and the total area involved using standardized, clinically accepted, body surface area charts.

Critical Illness Insurance No. 24Paralysis
Total and irreversible loss of use of two or more limbs through paralysis as a result of injury or disease. The paralysis must be supported by approapriate neurological evidence, A specialist must be of the opinion that the paralysis will be permanent. Paralysis due to self harm, partial paralysis, temporary post-viral paralysis, or paralysis due to psychological causes are all excluded.

Critical Illness Insurance No. 25Alzheimer’s Disease
Progressive and permanent deterioration of memory and intellectual capacity as evidenced by the accepted standardised questionaires and cerebral imaging.

Critical Illness Insurance No. 26Fulminant Hepatitis
A submissive to massive necrosis of the liver caused by hepatitis virus, leading precipitously to liver failure.

Critical Illness Insurance No. 27: Primary Pulmonary Hypertension
Primary Pulmonary Hypertension with substantial right ventricular enlargement confirmed by investigations including cardiac catheterisation, resulting in permanent physical impairment of at least Class IV of the New York Heart Association Classification of Cardiac Impairment.

Critical Illness Insurance No. 28Terminal Illness
Terminal illness is defined as an advanced or rapidly progressing incurable disease where, in the opinion of an attending consultant and Pru Life UK’s Chief Medical Officer, life expectancy is no greater than twelve (12) months from the date of notification of claim, regardless of any treatment that might be undertaken.

Critical Illness Insurance No. 29HIV due to blood transfusion and occupationally acquired HIV
Infection with the Human Immunodeficiency Virus (HIV) where the virus is acquired as a result of medically necessary blood transfusion and occupationally acquired on the life insured in the Philippines.

Critical Illness Insurance No. 30Encephalitis
Severe inflammation of brain substance which results in significant and permanent neurolical deficit persisting for atleast six (6) consecutive months as certified by a registered consultant neurologist.

Critical Illness Insurance No. 31Major Head Trauma
Major head trauma with disturbance of the brain function confirmed by definite diagnosis by a consultant neurologist.

Critical Illness Insurance No. 32Apallic Syndrome
A clinical state of dependency determined by the assessment of physical, intellectual and communicatory disability. It may result from cerebral trauma, prolonged periods of anoxia, severe encephalitis or certain neurotoxins, The affected individual is incapable of voluntary of purposeful acts and only responds reflexibly to painful stimuli.

Critical Illness Insurance No. 33Progressive Scleroderma
A systemic connective tissue disease causing progressive diffuse fibrosis in the skin, blood vessels and viceral organs.

Critical Illness Insurance No. 34Systemic lupus erythematosus with Lupus Nephritis
The unequivocal diagnosis by a consultant physician of systemic lupus erythema (SLE) with evidence of malar rash, discoid rash, photosensitivity, multi-articular arthritis, and serositis.

Critical Illness Insurance No. 35Brain Surgery
The actual undergoing of surgery in the brain under general anesthesia during which a craniotomy is performed resuting in permanent neurological deficit lasting for a minimum period of thirty (30) days and resulting in a permanent inability to perform atleast three (3) of the activities of daily living either with or without the use of mechanical equipment, special devices or other aids and adaptations in use for disabled persons.

Critical Illness Insurance No. 36Medullary Cystic Disease
A renal disorder charcterized by multiple cysts in the kidney that damage the tubules causing an inability to concentrate urine.