PRUGuard Life

1. PRUGuard 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. PRUGuard Life is not a Shariah-compliant product.

How do I submit claims?
For a claim on Death Benefit:
You may submit the completed Claim form(s) along with the supporting documents to the nearest Prudential branch.

For a claim on Total and Permanent Disability (TPD) 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 Death Benefit:
Claimant is required to submit the following:

1. Claim Form & Application for Direct Credit - signed by the claimant (person who is making the claim)

2. Medical Report pertaining to the cause of death - signed by the doctor who last treated the deceased

3. Certified true copy of Death Certificate - to be certified by Prudential branch staff / Business Development Executive

4. Copy of Claimant's MyKad

5. Copy of Deceased's MyKad

6. Proof of Relationship between claimant and deceased where there is a nomination made in the policy:

   • if claim is made by spouse - marriage certificate is required

   • if claim is made by children - child birth certificate is required

   • if claim is made by parent - Deceased birth certificate is required

   • if claim is made by sibling - sibling and deceased’s birth certificates are required

7. Other supporting test/Laboratory Report: Biopsy, MRI, scan and investigation results (where applicable)

8. Police report being lodged within 24 hours of the incident. (For accidental death only)
   
   

For a claim on Total and Permanent Disability (TPD) Benefit:
For submission via Pulse by Prudential mobile application, claimant is required to submit the following:

• Front and back of NRIC image

• Selfie image holding IC/NRIC verification

• Copy of Bank Passbook / Bank Account Statement (front page)

• Total and Permanent Disability Medical Report - completed and signed by doctor who treated the customer to be assured; and

• Other supporting test/Laboratory Report: Biopsy, MRI, scan and investigation results (where applicable)

For submission via Prudential branch, claimant is required to submit the following:

• Claim Form & Application for Direct Credit - signed by the claimant (person who is making the claim)

• Total and Permanent Disability Medical Report - completed and signed by doctor who treated the customer to be assured; and

• Other supporting test/Laboratory Report: Biopsy, MRI, scan and investigation results (where applicable)

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 the 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.