PRUKasih Financial Relief

Provides temporary financial relief to urban low income families coping with sudden loss of income due to illness, accident and death.
PRUKasih

About PRUKasih

PRUKasih is a sponsored financial protection plan to support the Government’s initiative in improving the lives of the urban low-income households (LIHs) in Malaysia. It was born in 2011 as a result of a partnership between PAMB and Yayasan Generasi Gemilang (“GG”).

Through PRUKasih, eligible urban low-income households from participating communities are able to receive temporary financial relief when breadwinners of their families are unable to generate income due to an accident, illness or death. Affected beneficiaries are eligible for food vouchers and housing allowances, while affected families of deceased beneficiaries are provided with funeral expenses for a maximum duration of one year.

PRUKasih communities

Our distributors
  • Beautiful Gate Foundation for The Disabled (03-78035567)

  • Community Transformation Initiative Bhd (011-27384007)

  • Great Vision Charity Association (03-51316107)

  • Hope Worldwide Malaysia (03-40502541)

  • House of Hope (04-8264826)

  • Love Cheras Care Services Sdn Bhd (03-9130 3687)

  • Malaysian CARE (014-9539286)

  • Pusat Bantuan Sentul (011-11419004)

  • Yayasan Generasi Gemilang (03-78035567)

  • Yayasan Salam Malaysia (011-10400116)

  • The Light Community Centre (016- 2502041)

Communities in Malaysia
  • Love Cheras Care Services Sdn Bhd* (03-9130 3687)

  • Flat Padang Tembak

  • PPR Taman Putra Damai

  • PA Desa Rejang

  • PPR Kg Baru Air Panas

  • PPR Kg Muhibbah I & II

  • PPR Taman Cendana

  • PPR Batu Muda

  • PPR Seri Semarak

  • Members of Beautiful Gates Foundation for the Disabled, Nationwide

  • Flat Danau Kota

  • PPR Desa Tun Razak

  • PA Seri Perak

  • PPR Pantai Ria

  • PPR Kota Damansara Seksyen 8

  • PPR Sri Pantai

  • PPR Taman Mulia

  • Taman Prima Selayang

  • PPR Taman Dahlia

  • PPR Intan Baiduri

  • PPR Beringin

Communities in Cheras
  • Cheras Kobena Apartment

  • Flat Jalan Ampang Mewah 6

  • Flat Pandan Jaya

  • Flat Taman Maluri

  • Flat Taman Miharja

  • Permai Apartment

  • PPR Jalan Cochrane

  • PPR Jalan Peel

  • PPR Pudu Ulu

  • PPR Raya Permai

  • PPR Sri Johor

  • PPR Sri Melaka

  • PPR Sri Pulau Pinang

  • PPR Sri Sabah

  • Rumah Panjang Ikan Emas

Our impact at a glance

Year 

2017

2018

2019

PRUKasih Members

13,985

24,301  

 30,787

No. of Communities

21

36  

35

No. of Claims (per year)

 821

 1512

 2352

Claims Reserved  

  RM5 mil

  RM5 mil

  RM5 mil    

Penetration Rate 

 26%

 43%  

49%

PRUKasih featured stories

Impactful stories 1 - Community Transformation Initiative

Ros is a single mother with four children. We came to know of her family when we visited her to process her first claim in 2016, after falling sick. We noticed that she has a differently-abled son, Adi, aged 8 then, who is also un-documented. Last year, after we started our Community Center near PPR, we were able to offer creative learning classes to Adi. This May, Ros unfortunately met with a motorcycle accident and fractured her hand, hence was not able to work to support her family. Ros has exhausted her savings trying to pay her daughter’s higher education fees. So Ros planned with her daughter, to make packed foods and to sell to her peers at the Academy. Their little business took off and now they are thinking of their next product! This crisis has prompted them to create other means of earning money, using the PRUKasih claim money not only as relief, but as start-up capital, to generate more sustainable income for the family. The PRUKasih financial education has not only helped Ros, but has been passed on to the next generation, her daughter, who is learning financial planning and business skills. Here we see a rippling impact, as we partner with PRUKasih, to engage and empower families to come out of poverty.

Impactful stories 2 – Yayasan Generasi Gemilang

Our first encounter with Encik A was in February 2017. He first sustained an injury to his right leg when he met a hit-and-run accident in October 2016. Unfortunately, his leg didn’t heal properly and he had to seek repeated treatments at the hospital. In addition, his knee fractured when he fell at the hospital toilet! Since then, his leg injury became worse and developed into a serious case of cellulitis due to venous insufficiency which spread to his arms and other leg. He was fired from his job, and his wife worked as a cleaner to bring home RM1000/month to support their 11-year old son. Encik A expressed that even though he had sought aid from different sources, PRUKasih is the only one that helped him. He is extremely grateful for the impact PRUKasih has had on his family, especially in eventually helping him to become the Menteri Besar of his community. He repeatedly tells us that if not for PRUKasih, he and his family wouldn’t have survived till now.

Impactful stories 3 – Yayasan Salam Malaysia

Mr. Udai Anak Atang, aged 43, is married and has two children. Mr. Udai underwent a surgery in March 2019 and was unable to work. His concerns about monthly expenses as well as his pregnant wife were reported to a PRUKasih volunteer who visited them. PRUKasih was able to help him buy basic needs items for the period he was not able to work. He returned to work in June 2019 and on June 27, 2019, his wife delivered twin daughters safely. To this day,they are very thankful to PRUKasih. He added, through a PRUKasih free protection plan, it also helps low-income people feel more secure for themselves and their families especially in the face of unforeseen illness and accidents. As members of the PRUKasih, they are very hopeful that this PRUKasih will continue in the coming year.