• The Benefit is available to those aged between 46 and 75 (age next birthday).
• The Benefit is guaranteed renewable, enabling protection up to age 100 (age next birthday). ?
• 3 levels of monthly benefit options (US$1,250 / US$650 / US$350) and 2 options of benefit payment term (5 years / whole life) are available to choose from. ?
• Prevention is better than any cure. The Benefit provides a FREE health check-up ⁺ for the Life Assured every 2 years, and thus enables him/her to monitor his/her health conditions.
• Even if the life assured travels to or resides in foreign countries in the future, he/she can still enjoy the coverage.
• The premium of the Long Term Care Benefit will be waived as long as the Monthly Benefit is being paid. The Life Assured can have a carefree recovery. ?
• The Benefit is a supplementary benefit and can ride on our selected with-profit life insurance plans, giving you a combination of living benefits and life protection.

* In the event that the Life Assured is suffering from Dysfunction (unable to perform at least 3 Daily Activities as certified by a registered medical practitioner) continuously for more than 90 days (Deferred Period), the monthly benefit will be payable from the end of the Deferred Period until: i) the end of the benefit payment term; or ii) the Life Assured recovers from Dysfunction; or iii) the Life Assured dies; whichever is the earliest.

# Daily Activities include Washing, Dressing, Feeding, Toileting, Transferring and Mobility. Please refer to the policy for definition of each Daily Activity.

^ The premium will be renewed according to the premium rate and age of the Life Assured (age next birthday) at the time of renewal.

+ Currently, the Free Medical Check-up includes the following major items:
(1) Physical Examination; (2) Urinalysis; (3) Chest X-ray; (4) Electrocardiogram; (5) Complete Blood Picture; (6) Blood Glucose; (7) Bone Metabolism; (8) Total Cholesterol and HDL-Cholesterol; (9) Liver Function; (10) Thyroid Function; (11) Uric Acid; (12) Renal Function. The Prudential Assurance Company Limited shall determine the contents of Free Medical Check-up from time to time.

• Pre-existing Dysfunction (unable to perform at least 3 Daily Activities); and Dysfunction which occurs within 90 days from the effective date of benefit/reinstatement (except Dysfunction caused by accident);
• Dysfunction is a direct or indirect result of war, hostilities (whether war is declared or not), rebellion, insurrection, riot, or civil commotion; or participation in any criminal offence; or attempted suicide or self-inflicted injuries while sane or insane; or cosmetic treatment unless necessitated by injury caused by an Accident and the Life Assured sustains the injury within 90 days of the Accident; or alcoholism, alcohol, narcotics or drugs unless taken as prescribed by a Registered Doctor; or scuba diving or engaging in or taking part in any kind of race other than on foot; or Acquired Immune Deficiency Syndrome (AIDS), any Human Immunodeficiency Virus or any related or associated condition or AIDS Related Complex; or mental disorders including but not restricted to Anorexia Nervosa, Anxiety, Depression, Mania, Neurosis, Paranoia, Psychosis and Schizophrenia; or unreasonable failure to seek or follow medical advice provided by a Registered Doctor; or an activity or disease under the exclusion(s) for the benefit shown on the Special Provision (if any).

* In the event that the Life Assured is suffering from Dysfunction (unable to perform at least 3 Daily Activities as certified by a registered medical practitioner) continuously for more than 90 days (Deferred Period), the monthly benefit will be payable from the end of the Deferred Period until: i) the end of the benefit payment term; or ii) the Life Assured recovers from Dysfunction; or iii) the Life Assured dies; whichever is the earliest.

# Daily Activities include Washing, Dressing, Feeding, Toileting, Transferring and Mobility. Please refer to the policy for definition of each Daily Activity.