---
title: "Prudential launches life plan covering 182 conditions"
type: "News"
locale: "en"
url: "https://longbridge.com/en/news/278793104.md"
description: "Prudential Singapore has launched PRUActive Life V, a whole-of-life protection plan designed to address income disruption and costs associated with critical illnesses. The plan covers 182 conditions, including death, terminal illness, and total disability, and offers additional payouts for 27 medical conditions. Features include a Multiplier Benefit for increased coverage, a Kinship Booster for family members, and options for flexible premium payments. Targeting families and singles with caregiving responsibilities, the plan aims to fill a 74% protection gap against critical illnesses in Singapore."
datetime: "2026-03-12T00:05:59.000Z"
locales:
  - [zh-CN](https://longbridge.com/zh-CN/news/278793104.md)
  - [en](https://longbridge.com/en/news/278793104.md)
  - [zh-HK](https://longbridge.com/zh-HK/news/278793104.md)
---

# Prudential launches life plan covering 182 conditions

**Product targets critical illness income gaps.**

Prudential Singapore has launched PRUActive Life V, a whole-of-life protection plan aimed at families facing income disruption and added costs when a critical illness keeps someone away from work.

The insurer said the plan was designed for what it called “health gap years”, the period when a person diagnosed with a critical illness takes time off to recover, as households face a 74% protection gap against critical illnesses in Singapore.

PRUActive Life V provides coverage for death, terminal illness, total and permanent disability, and critical illnesses, with coverage spanning 182 conditions. It also includes additional payouts for 27 medical conditions, including mental illness and juvenile conditions.

Customers can opt to increase coverage by up to five times until age 80 under its Multiplier Benefit, whilst an immediate family member who also takes up the plan can trigger a free 10% boost in basic coverage under its Kinship Booster, subject to conditions.

Prudential also said the product targets singles with caregiving responsibilities as well as young families, citing hidden costs during recovery such as caregiving support, home modifications, therapy, drugs, and other unforeseen expenses.

Other features include a yearly income payout option from age 60, a family waiver benefit, a premium defer benefit, flexible premium payment terms of five to 35 years, and the option to increase coverage at major life milestones without health questions.

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