Crisis Defender & Early Crisis Protector

Shield yourself with Prudential's comprehensive critical illnesses coverage.

Crisis Defender is an optional benefit that is designed to pay a lump sum benefit upon diagnosis of any of the 36 critical illnesses. Any claims on this benefit will not affect the coverage of your basic plan.

Early Crisis Protector is an optional benefit under Crisis Defender that provides Early Stage Critical Illness Benefit and Special Benefit.


English Brochure

Bahasa Malaysia Brochure

Chinese Brochure


Crisis_Defender (1)

Covers early to late stage illnesses

Crisis_Defender (2)

Covers as many as 85 illnesses, conditions and medical procedures in total

Crisis_Defender (3)

Claim up to 6 times under Crisis Defender and Early Crisis Protector

Crisis_Defender (4)

Subsequent claims will be paid immediately after claim

Product Details

Payment Term

Premium is payable throughout the coverage term

Coverage Term

Up to age 70 or 80 (Age Next Birthday) according to Expiry Age selected

Issue Age

Depending on Expiry Age selected:

  1. Crisis Defender
    • Expiry Age 70: 1 – 60 years old (Age Next Birthday)
    • Expiry Age 80: 1 – 70 years old (Age Next Birthday)
  1. Early Crisis Protector:
    • Expiry Age 70: 19 – 60 years old (Age Next Birthday)
    • Expiry Age 80: 19 – 70 years old (Age Next Birthday)   
Minimum Sum Assured
  1. Crisis Defender
    • RM10,000
  1. Early Crisis Protector
    • RM10,000
Maximum Sum Assured
  1. Crisis Defender
    • For child below age 19 next birthday: RM500,000
    • For age 19 and above:  RM4,000,000
  1. Early Crisis Protector:
    • RM200,000 and not more than Sum Assured of Crisis Defender
  1. Crisis Defender
    • 36 high severity critical illnesses
  1. Early Crisis Protector:
    • 46 low and medium severity illnesses / conditions / medical procedures plus 3 specified diabetic complications

Please refer to brochure for details on coverage

Basic Plans that can attach this Rider

Crisis Defender


Important notes
  1. This product summary is for illustrative purposes only. You are advised to refer to Prudential’s Brochure, Product Disclosure Sheet, Sales Illustration, and 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 important features of the plan.
  2. You should assess the affordability and suitability of the product (including optional benefits) in relation to your financial goals and risk appetite. To achieve this, we recommend that you speak to your agent or Wealth Planner who will perform a needs analysis and assist you in making an informed decision.
  3. Buying life insurance policy is a long term financial commitment. You are advised to choose the type of product(s) that best suits your financial needs. You are advised to read and understand the insurance policy and discuss with the agent or Wealth Planner or contact Prudential Assurance Malaysia Berhad (PAMB) directly for more information.

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Crisis Defender & Early Crisis Protector

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