FAQs

You can learn more from our frequently asked questions

Yes – Pru Edusave benefits can be dedicated to other financial obligations you may have as the lumpsum benefit is paid out to you or your nominated beneficiary to determine how best to utilize this money.
Terminal illness refers to all those chronic illnesses that have no known cure or have progressed to a point beyond recover. Usually the assessing team will advise what the company has classified as a terminal illness and this is based on the risk appetite the Prudential policies accommodate.

Prudential contacts the customer three months before maturity to initiate the process until the point when the payout is made to the customer’s account.
The standard contracts do not cover pandemics like coronavirus, it is a cover we have extended freely to our existing and new active clients as we stand with them during these most uncertain times
No – all essential treatment will be given via the accredited panel of service providers. However, in the event of a genuine medical emergency, where it may become necessary that you have to seek and pay for treatment outside the panel, Prudential will need to be contacted to approve this. Only under these circumstances would you be allowed to pay and claim a reimbursement from your policy.
Valid and acceptable identity card, complete proposal form.
If you continue servicing your policy through resident bank accounts or trustees. If the insured event occurs, support documents will have to be certified to process benefit and payment is made to beneficiaries within Uganda Jurisdiction. The same applies for maturities as our policies do not allow for overseas transactions.
There two ways around it, you either know how much you are willing to contribute or you are convinced about how much you want after the tenure of your policy. With the above, Prudential will ably advise the eventual outcome from a cost – benefit relationship.
No, the mandatory medical tests initiated by the company are for cover that is beyond the medical limit to allow proper assessment of the risk the applicant possess. The findings will inform if the client is to be accepted at standard rates on pay more for the same cover.
Prudential allows one to change the nominee/beneficiaries as many times as they prefer. We also recommend that you share details of existence of your insurance policy with them, so that in the occurrence of an insured event they can claim payable benefits.
Cover is immediately the client issues the relevant instructions
The limits are varied depending on the clients’ requirements. We are able to “mix and match” according to the clients’ preferences. The detailed quotation will have both the benefit limits and the costs.
Simply by notifying us and filling out a member application form indicating your details as well as details of the members that are being added. You would also be required to pay the additional premium due for the new members.
In the event that you lose your card or it is damaged beyond use, we request that you call us or send an email reporting loss or damage of your card. In case the card was stolen we are able to deactivate it to stop the unwarranted use of your card by a stranger. You will then be required to pay the replacement fee before receiving your replacement card.
The bonus on a dollar policy is usually lower because the currency is stable compared to the shilling where Prudential strives to provide for the loss of value through higher bonus rate. This is intended to ensure that the final pay out remains relevant to your needs.
Yes, you can have more than one life insurance policy but this should be guided by the need one has, in-order to avoid being over or under insured.Remember to always choose a plan whose premiums you can afford to pay.
The cover ceases and nothing is payable to the client.

Prudential covers diagnostic charges for the requests it has initiated, and which are done at a facility that has been partnered to do so, for any follow up tests the cost is borne by the applicant.
In Uganda, there’s no approved tax exemptions for people with life policies, however no extra charges are slapped on life insurance premiums expected from customers
Our insurance products can be purchased by anybody that is 20 years an above, the maximum age for one to apply for a policy is 60 years.We encourage you to sign up for a policy as early a possible, do not wait for when you are much older, the journey to securing tomorrow starts today.
Yes, a Life insurance policy is a contract between a policy holder & Insurer where the insurer promises to pay a designated beneficiary a lump sum upon happening of the insured event in exchange of regular premiums while Health medical insurance is a contract where the cost of medical treatment of the insured person is borne by the insurance company in exchange for a regular premium.
Yes, the policy holder can change any aspect of his/her policy within 30 days from issuance. After which all factors are expected to remain the same unless the selected term of the policy allows for one to increase their premium and subsequently increase the benefit.
Email Address or Telephone Number
Name of Organization/Sacco
Number of Members for Cover
Average age of the group
Desired Cover
Yes – children are covered from birth after discharge up to 25 years if there are still unmarried and under the care and supervision of their parents. Adults are covered up to 65 years at the time of joining and allowed to remain on cover upon submission of satisfactory medical evidence and at the discretion and terms that are satisfactory to Prudential.
No – all essential treatment will be given via the accredited panel of service providers. However, in the event of a genuine medical emergency, where it may become necessary that you have to seek and pay for treatment outside the panel, Prudential will need to be contacted to approve this. Only under these circumstances would you be allowed to pay and claim a reimbursement from your policy.
We have provided our contact details below which you cans use to reach us. Additionally, all medical cards will have a toll free line that you can call at any time to get assistance from a dedicated officer. We also recommend that you save this number so that you can still reach us in case you have lost your medical card.

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