Critical illness does not discriminate and can strike at any time and at any age. The recovery journey can be draining which could make it difficult for you to continue working. A lump sum payout to you means you can focus on your recovery without having to worry about day-to-day expenses plus unpredictable costs due to lifestyle changes.

That's why we created a comprehensive critical illness plan, with PRUWith You as the basic plan and Total Multi Crisis Care as the main critical illness rider, which protects you from entry as early as 14 weeks of gestational period up to age 1001.

PRUMy Critical Care offers:

C

Comprehensive critical illness coverage that allows multiple claims up to 400% of rider sum assured

A

Additional Special Benefit coverage on Diabetic Related Conditions and Joint Related Conditions

R

Re-diagnosis of 3 major critical illness coverage for: Cancer, Heart Attack and Stroke

E

Early to late stage critical illness coverage ensures that you stay protected

Key benefits of Total Multi Crisis Care rider:

Early Critical Illness Coverage

  • Total Multi Crisis Care provides you coverage on 101 early critical illness conditions.
  • You can get up to 50% of the rider sum assured upon diagnosis of the covered condition.

Critical Illness Coverage

  • For late stage critical illness, Total Multi Crisis Care pays you 100% of the rider sum assured upon diagnosis.

Multiple Claims up to 400% of the Rider Sum Assured

  • Multiple claims are allowed on different stages of the critical illness category with maximum of 100% of the rider sum assured for each critical illness category.
  • The only exceptions are for Cancer, Heart Attack and Stroke which can be claimed twice2.
  • Maximum of 4 early critical illness claims are allowed (subjected to RM200,000 per life limit).

Re-diagnosis of Cancer, Heart Attack and Stroke Coverage

  • Should you be re-diagnosed with Cancer, Heart Attack and Stroke before age 85 and it is unrelated to the first diagnosis2, you can claim up to 200% of the rider sum assured for each critical illness category.

Additional Coverage for Special Benefit

  • Pays 20% of the rider sum assured upon diagnosis of any one of the covered Diabetic Related Conditions and Joint Related Conditions.
  • Payout on this Special Benefit will not reduce the rider sum assured.

For a comprehensive solution that can cater to your needs, PRUMy Critical Care package includes the following:

Want to know more? Get in touch with us today

Please refer to PRUWith You’s Product Disclosure Sheet and Sales Illustration for the full list of benefits, exclusions, waiting periods and other terms and conditions of each of the plans mentioned above.

1Subject to the selected policy term and consent for auto extension is given, the policy coverage term will be extended up to the policy anniversary of age 100 next birthday. The policy coverage term and benefits payable shall depend on the policy having sufficient account value to cover all the policy charges. To ensure that the policy has sufficient account value, additional premiums are likely required for continuous coverage.

2The subsequent Cancer diagnosis must be a new primary cancer that is completely unrelated to the first Cancer claim and occurs in a different organ or site and not a secondary spread (metastasis) of any previous cancer. The diagnosis for subsequent Cancer (for any stages) must be at least 3 years after the diagnosis on the first Cancer. The diagnosis of subsequent Heart Attack or Stroke is unrelated to the first Heart Attack or Stroke claim. The diagnosis for subsequent late stage Heart Attack or Stroke must be at least 1 year after the diagnosis on the first late stage Heart Attack or Stroke. Rider will be terminated if the rider has paid more than 100% of rider sum assured at age 85 next birthday. If not, the rider will continue to cover up to 100% rider sum assured from age 85 next birthday onwards.

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