PRUCare Life

1. PRUCare Life is a single premium non-participating insurance plan underwritten by Prudential Assurance Malaysia Berhad (“PAMB”) 198301012262 (107655-U) which is licensed under the Financial Services Act 2013 and is regulated by Bank Negara Malaysia.

2. You should satisfy yourself that this insurance certificate will best serve your needs and that the premium payable under the insurance certificate is an amount that you can afford.

3. This flyer contains only a brief description of the products and is not exhaustive. Please refer to the Product Disclosure Sheets, Frequently Asked Questions and policy documents for the full list of benefits, exclusions, waiting periods, terms and conditions and other information before purchasing the plan. You may also contact the insurance company directly for more information.

4. 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).

5. PRUCare Life is not a Shariah-compliant product.

How do I submit claims?
For a claim on Critical Illness or Dengue Fever Benefit:
You may also register a claim via the ‘Register Claim’ in ‘PRUServices’ in the Pulse by Prudential mobile application along with the supporting documents. Alternatively, you may submit the completed Claim form(s) along with the supporting documents to the nearest Prudential branch.

What are the documents required when submitting a claim?
For a claim on Critical Illness Benefit:
You are required to submit the following via Pulse by Prudential mobile application:

• Front and back of NRIC image;

• Portrait or Selfie image holding ID/NRIC verification;

• Copy of Critical Illness Claim (Doctor’s Statement for critical illness) - completed and signed by doctor who treated the Insured Member;

• Laboratory Report: Histopathology Examination Report, Biopsy, MRI, scan and investigation results (where applicable)

For a claim on Dengue Fever Benefit:
For submission via Pulse by Prudential mobile application, claimant is required to submit the following:

• Front and back of NRIC image;

• Portrait or Selfie image holding ID/NRIC verification;

• Infectious Disease Benefit Claim – Doctor’s Statement (downloadable from ‘My Claim’ page in the Pulse by Prudential mobile application); and

• Confirmatory Test Result - completed and signed by doctor who treated the Insured Member. 

Prudential Assurance Malaysia Berhad (PAMB) reserves the right to request for other relevant supporting documents, information or to view the original of the copied documents whenever necessary. You can get the relevant claim forms from our corporate website at https://www.prudential.com.my/, any Prudential branch near you, email your request to customer.mys@prudential.com.my or contact our Customer Service Hotline at 03 - 2771 0228 (Monday to Friday, 8.30am - 5.15pm)

How long will it take to process the claim?
Upon receiving the complete documents, the claim payment will be processed within 14 working days.

Why is it important to nominate a beneficiary?
It is important to ensure that your loved ones will receive the benefit as intended by you and that the monies payable under the policy (and related campaign, if any) can be paid out by PAMB without any delay. Without a nomination, the contract benefits will be paid out to your lawful executor or administrator to distribute it in accordance to the applicable laws of distribution. The process will take a while.

It is important for you to inform the beneficiary about the insurance benefits and nomination.

Who can I nominate as the beneficiary for my Insurance Certificate?
The person you can nominate is limited to your parent, sibling, spouse, child, grandparent, and grandchild. The beneficiary must be at least 18 years old and above.

How can I nominate a beneficiary for my Insurance Certificate?
You can nominate your Beneficiary via ‘Update Beneficiary’ in ‘PRUServices’ in the Pulse by Prudential mobile application after sign-up.

You may choose to cancel your Insurance Certificate in ‘PRUServices’ in the Pulse by Prudential mobile application during the Free Look Period for a full refund.

You may also surrender your Insurance Certificate after the Free Look Period. If you do so, your coverage will terminate upon payment of surrender value. Please refer to our FAQ for more details on refund. 

To download Pulse by Prudential application, scan QR Code or click on the links below. Please ensure that your email address registered for EPF i-Lindung is the same email used for your Pulse by Prudential app account.  You can view and download your  e-Certificate at the ‘PRUServices’ section on the Pulse by Prudential app.