PRUcancer X

Gear up to fight cancer

An insurance solution that provides high cancer protection to give you and your family the hope and financial means to take charge of your recovery and gear up to fight cancer. The benefits payable can help you pay for cancer treatments and recovery costs as well as compensate for your loss of income, so that you can continue to pursue your dreams.

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Highlights

High_Coverage

High coverage options of up to RM 2 mil to help you get the best care even if you are thinking of seeking treatment abroad as well as to cope with living expenses on your road of recovery. This plan also provides a portion of the coverage amount upon the diagnosis of specific types of cancer including Carcinoma in-situ.

Affordable_Premium

Reclaim your peace of mind without breaking the bank, with premiums as low as RM400 annually*.

*Based on age next birthday 1 to 20, male, RM250,000 basic sum assured

Easy_Enrollment

Simple underwriting questions that are specific to cancer risks only.

Product Details

Payment Term

Premium is payable throughout the coverage term

Coverage Term

10 years, with mechanism of automatic conversion to another new and available 10 year-term cancer plan at the end of 10th policy year

Issue Age

1 – 60 years old (Age Next Birthday, ANB)

Minimum Sum Assured

RM250,000

Maximum Sum Assured

ANB 1 – 20 and 51 – 60 = RM500,000

ANB 21 – 50 = RM2,000,000

Benefit
  • Cancer Benefit
  • Compassionate Benefit

 

Please refer to “Benefits at a glance” for the details payout of the benefits above.

Premium

Premium varies according to Basic Sum Assured selected, gender and smoker status, subject to underwriting. Premium is only payable in yearly payment mode.

Riders that can be bought with this policy

NA

Product Enquiry

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  • High Coverage of Cancer Benefit up to RM 2 million
    This plan provides high coverage options up to RM 2 million to help you get the best care, even if you are thinking of seeking treatment abroad as well as to cope with living expenses on your road of recovery.
  • Early-stage Cancer Coverage 
    Provides a portion of the plan coverage amount upon diagnosis of specific type of cancer including Carcinoma in-situ.
  • Compassionate Benefit 
    In the event of death, the plan will provide your family a fixed benefit to assist them on funeral expenses.
  • Easy Enrollment 
    Simple underwriting questions that are specific to cancer risks only.
  • Affordable Premium 
    Reclaim your peace of mind without breaking the bank, with premiums as low as RM400 annually*.

* Based on age next birthday 1 to 20, male, RM250,000 basic sum assured

 

Benefit Table

Benefits

Amount of Benefit

Diagnosed within Policy Year 1

Diagnosed within Policy Year 2 above

Cancer Benefit

Category 1

  • Carcinoma-In-Situ
  • Early Prostate Cancer
  • Early Bladder Cancer
  • Early Chronic Lymphocytic Leukemia
  • Thyroid Cancer

5% of Basic Sum Assured in one lump sum*

10% of Basic Sum Assured in one lump sum*

Category 2

Cancer (except Thyroid Cancer)

10% of Basic Sum Assured in one lump sum

  • 50% of Basic Sum Assured in one lump sum; and
  • 10% of Sum Assured annually for 5 years**

Compassionate Benefit

RM10,000 upon death of Life Assured

 

* Payment of Category 1 Cancer Benefit reduces Category 2’s lump sum payout by 5% of Basic Sum Assured if the diagnosis of Category 1 and Category 2 are both within Policy Year 1, and by 10% of Basic Sum Assured if otherwise.

** Payable starting from the first anniversary of the Life Assured being diagnosed with a Cancer and the following 4 anniversaries. The payment will continue until all 5 payments are completely paid out even if the Life Assured dies during this period.

 

Notes:

  1. Category 1 Cancer Benefit is payable once only.
  2. This plan will terminate after a claim has been made for Category 2 Cancer Benefit or Compassionate Benefit or upon expiry of the plan, whichever happen first.
  3. Cancer Benefit for the first year of auto converted policy will follow the benefit for policy year 2 and above.

Scenario 1 for claim of Category 1 of Cancer Benefit

 

Scenario 2 for claim of Category 2 of Cancer Benefit

 

 

Scenario 3 for claim of Category 1 and 2 of Cancer Benefit

1. What is PRUcancer X?

PRUcancer X is a regular premium plan that provides insurance protection for 10 years. It pays Cancer Benefit upon Life Assured’s diagnosis of the covered conditions. It also provides Compassionate Benefit upon death of the Life Assured. This policy comes with mechanism of automatic conversion to another 10-year term plan at the end of the 10 years, without new underwriting. This automatic conversion will be done at the end of each 10-year term before or on the Life Assured’s age of 70 next birthday provided that the policy is not terminated.

 

2. Who is eligible to take up this plan? 

PRUcancer X is for males and females aged between 1 to 60 years old next birthday depending on the Basic Sum Assured as shown in the table below. 

Basic Sum Assured (RM)

Entry Age

1-20

21-50

51-60

250,000

500,000

1,000,000

-

-

2,000,000

-

-


3. How much premium do I have to pay?

The total premium that you have to pay may vary by age, smoker status and basic sum assured chosen, subject to underwriting. The premiums are fixed for 10 policy years and payable throughout the policy term. Upon each automatic conversion, new premium amount is payable based on your attained age next birthday for the subsequent 10-year plan. Premiums can be paid yearly via Auto Debit or Credit/Debit Card.
Please refer here for the premium table.

 

4. What will happen to my policy at the end of 10th policy year?  

Your PRUcancer X comes with mechanism of automatic conversion to another new and available 10-year term cancer plan at the end of 10 years, without requiring any further evidence of insurability. This automatic conversion will be done at the end of each 10-year term before or on the Life Assured’s age of 70 next birthday provided that the policy is not terminated before the expiry date and the first premium for the auto converted new policy is paid. New premium rate based on your age next birthday upon automatic conversion is payable.

 

5. What will happen to my policy if a claim is made? 

Type of claims made

PRUcancer X

Category 1 of Cancer Benefit

Policy continues in force and Basic Sum Assured will reduce accordingly (as illustrated in Benefit Table)

Category 2 of Cancer Benefit

Policy terminates

Compassionate Benefit

Policy terminates

 

6. What are the Waiting Period and Survival Period that I should be aware of?

Benefits

Waiting Period

Survival Period

Category 2 of Cancer Benefit

60 days

Nil

Category 1 of Cancer Benefit

90 days

Waiting period is only applicable once at the inception of first policy. After auto conversion, there will be no waiting period.

 

7. What are the exclusions of PRUcancer X?

  1. Symptoms of illness that occur prior to or within 60 days for Category 2 of Cancer Benefit and 90 days for Category 1 of Cancer Benefit after the rider has commenced.
  2. Symptoms of illness that is under Category 2 of Cancer Benefit is diagnosed as Thyroid Cancer (as it is covered under Category 1 of Cancer Benefit).
  3. Illness that was not diagnosed while the Life Assured was alive.
  4. Illness arising directly or indirectly from Pre-Existing Conditions.
  5. Illness that is directly or indirectly caused by the existence of Acquired Immuno-deficiency Syndrome (“AIDS”) or the presence of any Human Immuno-deficiency Virus (“HIV”) infection.
  6. Illness that is a congenital condition or is caused directly or indirectly from a congenital condition which happens, or which the Life Assured start to get symptoms of, within the first 2 years from the date of birth of the Life Assured.
  7. Illness that is caused by alcohol or substance abuse or addiction.
  8. Illness that is caused by nuclear fusion, nuclear fission, nuclear waste or any radioactive or ionizing radiation.

 

Note: This list is non-exhaustive. Please refer to the policy contract for the full list of exclusions under this policy.

  1. This content contains only a brief description of the product and is not exhaustive. You are advised to refer to Prudential’s Product Disclosure Sheet, Sales Illustration and the consumer education booklet on Medical and Health Insurance before purchasing the plan, and to refer to the terms and conditions in the policy contract for details of the important features of the plan.
  2. You should satisfy yourself that this product will best serve your needs. You should also satisfy yourself that the premium payable under the policy is an amount that you can afford. 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. You may also contact the insurance company directly for more information.
  3. Premium rates are not guaranteed. We reserve the right to revise these non-guaranteed premium rates at policy anniversary by giving you at least 30 days written notice.
  4. If you cancel the policy, you may not obtain the full value from the amount you have paid. Upon surrender, this plan will cease. If you switch your current Medical and Health Insurance with another or from one provider to another, you may be subject to new underwriting requirements and waiting period for the new plan.
  5. There is a free-look period of 15 days after the delivery of your policy to allow you to review it if it meets your needs. If the policy is cancelled within this period, we will refund you the premiums that you have paid (less any medical fee incurred, if any).
  6. It is important that any receipt that you receive should be kept as proof of payment of premiums.
  7. PRUcancer X is not a Shariah-compliant product.
  8. Non-payment of premiums may cause this policy to lapse. Should you stop paying premiums, the policy may continue for as long as your policy has acquired cash value. You will continue to enjoy the benefits under Automatic Premium Loan Scheme until the premium loan plus interest is greater than the cash value.
  9. You must inform us of any change in your occupation, avocation or sports activities because it may affect the premiums, terms, conditions and benefits
  10. Any age reference shall be on the basis of Age Next Birthday.
  11. Prudential Assurance Malaysia Berhad (PAMB) is an insurance company licensed under the Financial Services Act 2013 and is regulated by Bank Negara Malaysia.

Prudential Assurance Malaysia Berhad
Member of PIDM

Prudential Assurance Malaysia Berhad (PAMB) is a member of Perbadanan Insurans Deposit Malaysia (PIDM). As a member of PIDM, some of the benefits insured under the insurance policies offered by PAMB are protected against loss of part or all of insurance benefits by PIDM, in the unlikely event of an insurer member failure. For further details of the protection limits and the scope of coverage, please obtain a PIDM information brochure from PAMB or visit PIDM website (www.pidm.gov.my) or call PIDM toll-free line (1-800-88-1266).

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