Crisis Cover Benefit

Annual Premium Rates

1. 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 Brochure, Product Disclosure Sheet, Product / Sales Illustration, Fund Fact Sheet (if any), before purchasing the plan, and to refer to the terms and conditions in the policy document for details of the features and benefits, exclusions and waiting periods under the policy.

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).

Prudential’s Crisis Cover Benefit is an insurance add-on coverage for any of the 36 critical illnesses specified in the policy. You will receive an advanced payout from their basic plan’s coverage if you are diagnosed with these illnesses.

The main purpose of the Crisis Cover Benefit is to provide financial support in the event of a critical illness diagnosis, helping policyholders manage the financial impact of their illness.

The Crisis Cover Benefit is an insurance rider, meaning it's an add-on to a basic insurance plan. It provides additional coverage specifically for critical illnesses.

The Crisis Cover Benefit can be attached to a basic plan called PRUCash.

If you're diagnosed with any of the 36 critical illnesses covered by the Crisis Cover Benefit, you will receive an advanced payout from your basic plan’s coverage.

Adding the Crisis Cover Benefit provides additional financial protection in the event of a critical illness diagnosis, offering a safety net beyond the coverage of a basic insurance plan.

While health insurance typically covers a broad range of health-related expenses, such as medical bills, hospital stays, and prescription medications, Prudential’s Crisis Cover Benefit, on the other hand, is a critical illness coverage designed to provide financial security by offering a lump sum payout specifically when the policyholder is diagnosed with a predefined critical illness, ensuring that they receive a substantial sum to address immediate and pressing needs.

This depends on the terms of the insurance policy and other factors. For example, your health status at the time of your request to increase.

When claiming the Crisis Cover Benefit, you'll typically need to provide medical documentation to support your claim and any required claim forms. To find out how you can make a claim, click here.

If you have critical illness coverage from multiple insurance policies, you can typically claim benefits from each policy, subject to the specific terms and conditions on your policy document.

Obtaining critical illness coverage when you have a pre-existing condition can vary based on the specific rules of your insurance policy. It is important to talk to us if you require further information.

Whether you need critical illness coverage depends on your personal circumstances, including your health, finances and risk factors. It provides a lump sum payout if you're diagnosed with a specific illness which can help cover costs not handled by regular health insurance. However, it also has costs, such as premiums.

Critical illness coverage and life insurance address different needs. Critical illness coverage offers a payout if you're diagnosed with a specified illness, aiding with medical and living expenses. On the other hand, life insurance provides a payout to your beneficiaries when you pass away, assisting with funeral costs and providing financial support. The choice between the two depends on your individual situation and requirements.

Critical illness insurance policies often cover a range of cancers, but there can be exceptions. Some may not cover certain types of skin cancer or early-stage cancers. You can also check out Prudential’s PRUCancer X for insurance against cancer.

Critical illness insurance provides a payout if the policyholder is diagnosed with a specific illness covered by the policy. It typically doesn't cover death unless a covered illness directly causes it within a certain time frame. For general death coverage, a life insurance policy is usually required.