Crisis Cover

• A supplementary plan available to any person aged 16 to 65 (age next birthday), depending on the basic life plan to which this plan is attached. A lump sum cash payment advanced from the basic life plan will be payable upon the diagnosis of any of the covered major diseases.

Juvenile Crisis Cover

• A juvenile supplementary plan available to children aged 1^* to 15 (age next birthday), depending on the basic life plan to which this plan is attached. A lump sum cash payment advanced from the basic life plan will be payable^#1 upon the diagnosis of any of the covered major diseases.

Crisis Cover Plus

• If you do not want to advance the benefit from your basic life plan, you may choose this supplementary plan which is available to any person aged 16 to 55 (age next birthday). This additional cash benefit will be payable should any of the covered major diseases be diagnosed.

The plans under Crisis Cover Series can ride on our various selected life insurance plans, giving you a combination of living benefit and life protection.

^* Age 1 (age next birthday) means that the life proposed must be at least 30 days old when the proposal form is signed.

^#1 If the covered major disease is diagnosed before the age of 1, the benefit will be reduced by 50%; if the covered major disease is diagnosed at or after the age of 1 but before the age of 2, the benefit will be reduced by 25%.

EXCLUSIONS

Prudential shall not pay any benefit if the major diseases:

• existed before the effective date of the benefit or the date of any reinstatement; or
• occurs within 90 days from the effective date of the benefit or from the date of any reinstatement arising from causes other than an accident^*; or
• is a direct or indirect result of

  -	attempted suicide or self-inflicted injuries while sane or insane; or
  -	Acquired Immune Deficiency Syndrome (AIDS), any Human Immunodeficiency Virus or any related or associated condition or AIDS Related Complex; or
  -	any congenital or inherited disorder except Muscular Dystrophy (applicable to disorder appeared or was diagnosed before the life assured reaches age 14); or
  -	an activity or disease under the exclusion(s) for the benefit shown on the Special Provision (if any); or

  
  
  
  
  
  
  
  
   
• of Total and Permanent Disability is a direct or indirect result of

  -	war, hostilities (whether war is declared or not), rebellion, insurrection, riot or civil commotion; or
  -	alcohol, narcotics or drugs unless taken as prescribed by a registered doctor; or
  -	travelling or flights in any vehicle or device for aerial navigation other than as a fare-paying passenger or a scheduled public air service.

^* Crisis Cover Benefit is payable for covered major diseases diagnosed within 90 days from the benefit effective date provided that such major diseases are caused by an accident and are diagnosed within 90 days from the date of the accident.