PRU-Max Protect

Prudential will not pay the Death Benefit if the Life Assured dies due to any of the following reasons, whether directly or indirectly:

• Suicide or self-inflicted injury within 2 years from the date the Policyholder pays the first Basic Premium, or from the most recent reinstatement date, whichever is later.
• For additional Sum Assured, this exclusion applies within 2 years from the effective date of the increased Sum Assured or the most recent reinstatement date, whichever is later.
• Intentional act by the Policyholder or the Beneficiary.
• Execution of the Life Assured by competent authority.
• HIV, AIDS, or related conditions, except when infection occurs during professional duties.
• Use of narcotics, drugs, or stimulants in violation of the law or without a physician’s prescription.

Prudential will not pay the TPD Benefit if the disability of the Life Assured:

• Occurred before the Policy Effective Date or before the most recent reinstatement date, whichever is later.
• For additional Sum Assured, this exclusion applies if TPD occurred before the effective date of the increased Sum Assured or the most recent reinstatement date, whichever is later.

The TPD Benefit will also not be paid if caused, whether directly or indirectly, by:

• Suicide attempt, self-harm, or intentional injury leading to TPD.
• Intentional act of the Life Assured, the Policyholder, or the Beneficiary.
• Criminal act committed by the Policyholder or Beneficiary causing harm to the Life Assured.
• The Life Assured’s involvement in unlawful activities or terrorism, except as a passenger on a commercial flight.
• Use of narcotics, drugs, or stimulants in violation of the law or without a physician’s prescription.

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

You can also build your own insurance plan using Prudential's Insurance Premium Calculator.

The premium period is equal to Policy Term. You can make flexible payments from the 5th year of the policy[@insurance-pru-max-protect-flexible-payment].

The free look period lasts up to 21 days. This is from the date of submission of the following signed hard copies by the policy holder (PO).

In case the policy holder chooses to cancel their policy, Prudential shall then return to them the total initial paid premiums, without interest after deducting medical examination fees, if any.