What if you could protect yourself financially against cancer—and get half of your premiums back if you don’t make a claim?
That’s what PRUCare Cancer Protect, a cancer-focused insurance plan from Pru Life UK, offers.
Cancer treatment can be expensive, and even with an HMO or emergency savings, unexpected medical expenses can affect your finances.
PRUCare Cancer Protect provides financial support for covered cancer diagnoses, plus additional benefits for you and your family.
What Is PRUCare Cancer Protect?
It’s a 10-year renewable insurance plan that provides coverage for early-stage, late-stage, and catastrophic cancer.
It also includes a death benefit and a no-claim reward.
Here are its five main benefits:
1. Early-Stage Cancer Benefit — 50%
Receive 50% of your coverage amount if diagnosed with covered early-stage cancer.
For ₱1 million coverage, that’s ₱500,000 to help with treatment and other expenses.
Your policy can remain active after this claim, provided you continue paying premiums.
2. Late-Stage Cancer Benefit — 100%
Receive up to 100% of your coverage amount for covered late-stage cancer.
For ₱1 million coverage, that’s ₱1,000,000, less any Early-Stage Cancer Benefit previously paid.
The policy terminates once this benefit is paid.
3. Catastrophic Cancer Benefit — Additional 20%
If your first cancer diagnosis qualifies as catastrophic cancer, you may receive an additional 20% of your coverage amount.
With ₱1 million coverage, the combined late-stage and catastrophic benefits can reach ₱1.2 million.
This additional benefit does not apply to a progression of previously diagnosed and claimed cancer.
4. Death Benefit — 30%
Your beneficiaries may receive 30% of your coverage amount if you pass away while covered, subject to policy terms.
For ₱1 million coverage, that’s ₱300,000.
5. No-Claim Reward — 50% Premiums Back
Complete your 10-year term without any claims, and you may receive 50% of your total annual premiums paid back, provided you meet the policy conditions.
It’s financial protection with a reward for remaining claim-free.
Sample Plan: How Much Does It Cost?
Here’s an example from Pru Life UK’s official brochure.
Mary Ann, 30 years old, female
| Plan Details | Amount |
|---|---|
| Coverage | ₱1,000,000 |
| Annual Premium | ₱23,050 |
| Monthly Premium | ₱2,247 |
| Early-Stage Cancer Benefit | ₱500,000 |
| Late-Stage Cancer Benefit | ₱1,000,000 |
| Catastrophic Cancer Benefit | Additional ₱200,000 |
| Death Benefit | ₱300,000 |
| No-Claim Reward (10 years) | ₱115,250 |
Here’s the interesting part:
If Mary Ann pays ₱23,050 annually for 10 years:
- Total premiums paid: ₱230,500
- No-claim reward: ₱115,250
That’s half of her total annual premiums returned after 10 claim-free years, subject to policy conditions.
Sample premiums vary depending on age, gender, coverage, and payment frequency.
Who Can Apply?
PRUCare Cancer Protect offers:
✅ Entry age: 30 days to 60 years old
✅ Coverage: ₱500,000 to ₱5 million
✅ Renewable every 10 years, subject to conditions
✅ Four health questions and no required medical examination
✅ Monthly, quarterly, semi-annual, or annual payments
Approval is subject to eligibility and underwriting requirements.
Important: A 90-day waiting period applies to cancer benefits. Claims, renewals, and the no-claim reward are subject to policy terms and exclusions.
Is PRUCare Cancer Protect Right for You?
If you want additional cancer protection without a complicated insurance plan, PRUCare Cancer Protect may be worth exploring.
Whether you’re a young professional, parent, or breadwinner, having dedicated cancer coverage can help strengthen your financial protection.
Want Your Own Sample Quotation?
Find out how much PRUCare Cancer Protect could cost based on your age and preferred coverage.
Let’s find a protection plan that fits your needs and budget.
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Disclaimer: For educational purposes only. Benefits, premiums, claims, and renewals are subject to Pru Life UK’s official policy contract. The sample illustration is based on the official product brochure.