PRU@Work
Basic benefits
Group Term Life
Provides Death and Total and Permanent Disability (TPD) Benefit by providing a lump sum amount upon death or permanent disability due to any causes.
Optional benefits
Here are the optional benefits you can enroll in based on your needs.
Group Crisis Cover Benefit |
Helps lighten the employee’s stress by providing lump sum amount as recuperation benefits upon diagnosis of the covered 43 Critical Illnesses. |
Group Partial and Permanent Disability Benefit |
Pays lump sum amount* should the employee sustains physical injury due to any causes. |
Group Accidental Death and Disablement Benefit |
Pays lump sum amount* if the employee dies or sustains physical injury due to an accident. |
Group Accidental Medical Reimbursement Benefit ** |
Pays for the medical expenses made (treatment, hospital charges and nursing fees) for physical injury due to an accident. |
Group Weekly Indemnity Benefit ** |
Pays weekly benefit to aid daily living expenses in the event of Temporary Total Disablement sustained due to an accident. |
Group Hospital and Surgical Benefit |
Healthcare protection benefits that cover the cost of medical. Coverage can be extended to the employee’s spouse and children. Amount of benefit payable is dependent on the plan selected. |
* Please refer to the Schedule of Indemnities in the respective Product Disclosure Sheet for the details.
**Attachable if Group Partial and Permanent Disability Benefit or Group Accidental Death and Disablement Benefit is selected.
Please refer to the Product Disclosure Sheet for the full list of benefits, exclusions, waiting periods and other terms and conditions.
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Important notes and disclaimers
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This content contains only a brief description of the product and is not exhaustive. You are advised to refer to Prudential Assurance Malaysia Berhad (PAMB)’s Product Disclosure Sheet, Product / Sales Illustration (if any) , and the insurance info booklet / introductory guide on Life Insurance, Personal Accident and Medical and Health Insurance before purchasing the plan, and to refer to the terms and conditions in the policy document for details of the important features of the plan.
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Please note that there are exclusions applicable to each respective benefits. Please refer to the Product Disclosure Sheet, Product / Sales Illustration (if any) and Policy Document for the full list of benefits, exclusions, waiting periods and other terms and conditions.
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You should satisfy yourself that this product will best serve your needs. You should also satisfy yourself that the premium payable under the policy is an amount that you can afford. To achieve this, we recommend that you speak to your agent or Wealth Planner who will perform a needs analysis and assist you in making an informed decision. You may also contact Prudential Assurance Malaysia Berhad (PAMB) directly for more information.
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There is a free-look period of 15 days after the delivery of your policy to allow you to review it if it meets your needs. If the policy is cancelled within this period, we will refund you the premiums that you have paid and taxes (if any) that we have deducted less medical expenses (if any) that we may have already paid or agreed to pay.
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The benefit(s) payable under eligible certificate/policy is(are) protected by Perbadanan Insurans Deposit Malaysia ("PIDM") up to limits. Please refer to PIDM's Takaful and Insurance Benefits Protection System ("TIPS") Brochure or contact Prudential Assurance Malaysia Berhad or PIDM (visit www.pidm.gov.my).
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PRU@Work, PRUGroup Life and its attachable riders are not Shariah-compliant products.
PAMB is an insurance company licensed under the Financial Services Act 2013 and is regulated by Bank Negara Malaysia.