PRUTriple 100

We DO critical illness protection that is simple and affordable.

Critical illness often strikes when you least expect it. With premium as low as RM100* per month, PRUTriple 100 protects you from expensive treatment cost by providing you with a financial safety net so that you could focus on your recovery and continue to pursue your dreams.

PRUTriple 100  is an insurance solution offered by our flagship product, PRUWith You as a basic plan and is attached with a comprehensive critical illness rider, Total Multi Crisis Care.

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Highlights

simple-solution

Simple solution that can be upgraded at any time with a wide range of riders to suit your personal needs.

affordable-premium

Premium as low as RM100* per month.

*Age 20, Non smoker, Occupation Class 1, monthly premium, credit card payment. Coverage term to age 70, 100% PRULink Managed Fund II.

comprehensive-critical-illness-coverage

Comprehensive Critical Illness (CI) coverage up to 400% of rider Sum Assured.

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

Re-diagnosis of Cancer, Heart Attack and Stroke.

Early to late stage critical illness. Up to 160 conditions.

**Please refer to Product Disclosure Sheet for details of coverage.

Product Details

Payment Term

Premium is payable throughout the coverage term

Coverage Term

20 years; or until policy anniversary of age 60, 70, 80, 90 or 100 next birthday [ANB]

Issue Age

Pre-birth: After 14 weeks into pregnancy
Post-birth: 1 - 70 ANB

Minimum Sum Assured

RM10,000 and subject to the minimum sum assured multiple

Maximum Sum Assured

Subject to underwriting

Benefit
  1. Death Benefit
  2. Total and Permanent Disability Benefit
  3. Maturity Benefit
  4. Goal Achievement Benefit
  5. Longevity Benefit

 Please refer here/Product Disclosure Sheet for details of coverage.

 

Premium

Minimum insurance premium for:

  • Children (prenatal to 18 ANB) is RM50 per month
  • Adults (19 ANB to 70 ANB) is RM100 per month
Riders that can be bought with this policy

Hospital & Surgical

Critical Illness

Accident

Payor Benefit

Savings

Pregnancy and Child Care Benefits

 

*PRUMedic Overseas can only be attached when PRUValue Med or PRUMillion Med is attached.

** These riders can only be attached when PRUSaver or PRUSaver Kid and respective payor basic are attached.

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PRUTriple 100

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PRUTriple 100  a comprehensive solution using PRUWith You as the basic plan and is attached with a comprehensive critical illness rider, Total Multi Crisis Care.

PRUTriple 100 package

    1. PRUWith You
    2. Total Multi Crisis Care

Riders attachable

Critical Illness Riders

Total Multi Crisis Care provides protection from early to late stage critical illnesses and allows multiple claims up to 400% of rider sum assured1. The illnesses listed below are covered under Total Multi Crisis Care.

Table of Critical Illness Categories

Download our Table of Critical Illness Categories in your preferred language.

English Table of Illness Category

Bahasa Malaysia Table of Illness Category

Chinese Table of Illness Category

No.

Critical Illness Category

Early Critical Illness

Critical Illness

Early Stage

Intermediate Stage

Late Stage

1

Stroke

  • Brain Aneurysm Surgery
  • Cerebral Shunt Insertion
  • Carotid Artery Surgery
  • Stroke Treatment By Carotid Angioplasty And Stent Placement
  • Stroke - resulting in permanent neurological deficit with persisting clinical symptoms

2

Heart Attack

  • Cardiac Pacemaker Insertion
  • Pericardectomy
  • Cardiac Defibrillator Insertion
  • Heart attack - of specified severity

3

Cancer

  • Carcinoma In-Situ
  • Early Prostate Cancer
  • Early Thyroid Cancer
  • Early Bladder Cancer
  • Early Chronic Lymphocytic Leukemia
  • Early Melanoma
  • Carcinoma In-Situ Of Specified Organs Treated With Radical Surgery 
  • Cancer - of specified severity and does not cover very early cancers

4

Kidney Failure

  • Surgical Removal Of One Kidney
  • Chronic Kidney Disease
  • Kidney Failure - requiring dialysis or kidney transplant

5

Coronary Artery Disease

  • Mild Coronary Artery Disease
  • Moderate Coronary Artery Disease
  • Serious Coronary Artery Disease

6

Coronary Artery Surgery

  • Transmyocardial Laser Therapy
  • Minimally Invasive Direct Coronary Artery Bypass Grafting (MIDCAB)
  • Coronary Artery By-Pass Surgery

7

Angioplasty And Other Invasive Treatments For Coronary Artery Disease

Nil

Nil

  • Angioplasty And Other Invasive Treatments For Coronary Artery Disease2

8

Liver Failure

  • Partial Hepatectomy
  • Liver Cirrhosis
  • End-Stage Liver Failure

9

Fulminant Viral Hepatitis

  • Biliary Tract Reconstruction Surgery
  • Chronic Primary Sclerosing Cholangitis
  • Fulminant Viral Hepatitis

10

Coma

  • Coma For 48 Hours
  • Coma For 72 Hours
  • Severe Epilepsy
  • Coma - resulting in permanent neurological deficit with persisting clinical symptoms

11

Benign Tumor

  • Surgical Excision Of A Spinal Meningioma
  • Surgical Removal Of Pituitary Tumor (By Transsphenoidal / Transnasal Hypophysectomy)
  • Pheochromocytoma
  • Surgical Removal Of Pituitary Tumor (By Open Craniotomy)
  • Benign Brain Tumor - of specified severity

12

Paralysis Of Limbs

  • Loss Of Use Of One Limb

Nil

  • Paralysis Of Limbs

13

Blindness

  • Loss Of Sight In One Eye
  • Optic Nerve Atrophy
  • Retinitis Pigmentosa
  • Blindness - Permanent and Irreversible

14

Deafness

  • Partial Loss Of Hearing
  • Cavernous Sinus Thrombosis Surgery
  • Cochlear Implant Surgery
  • Deafness - Permanent and Irreversible

15

Burns

  • Mild Severe Burns
  • Moderately Severe Burns
  • Third Degree Burns - of specified severity

16

Lung Disease

  • Severe Asthma With Status Asthmaticus
  • Surgical Removal Of One Lung
  • End-Stage Lung Disease

17

Encephalitis

  • Viral Encephalitis With Full Recovery
  • Mild Viral Encephalitis
  • Encephalitis - resulting in permanent inability to perform Activities of Daily Living

18

Organ / Bone Marrow Transplant

  • Small Bowel Transplant
  • Corneal Transplant
  • Major Organ / Bone Marrow Transplant (On Waitlist)
  • Major Organ/Bone Marrow Transplant

19

Loss Of Speech

  • Tracheostomy
  • Loss Of Speech Due To Neurological Disease Or Injury
  • Loss Of Speech

20

Brain Surgery

Nil

Nil

  • Brain Surgery

21

Heart Valve Surgery

  • Percutaneous Or Minimally Invasive Valvuloplasty Or Valvotomy
  • Percutaneous Valve Replacement
  • Heart Valve Surgery

22

Bacterial Meningitis

  • Bacterial Meningitis With Full Recovery
  • Bacterial Meningitis With Reversible Neurological Deficit
  • Bacterial Meningitis - resulting in permanent inability to perform Activities of Daily Living

23

Head Trauma

  • Mild Head Trauma
  • Head Trauma Due To Accident Requiring Re-constructive Surgery
  • Cervical Spinal Cord Injury Due To Accident
  • Surgery For Subdural Haematoma Due To Accident
  • Head Trauma Due To Accident Requiring Open Craniotomy
  • Major Head Trauma - resulting in permanent inability to perform Activities of Daily Living

24

Aplastic Anemia

  • Reversible Aplastic Anemia
  • Myelodysplastic Syndrome Or Myelofibrosis
  • Chronic Aplastic Anemia - resulting in permanent Bone Marrow Failure

25

Motor Neuron Disease

  • Peripheral Neuropathy
  • Early Motor Neuron Disease
  • Motor Neuron Disease - permanent neurological deficit with persisting clinical symptoms

26

Parkinson's Disease

  • Early Parkinson’s Disease
  • Moderately Severe Parkinson’s Disease
  • Parkinson's Disease - resulting in permanent inability to perform Acitivities of Daily Living

27

Alzheimer’s Disease / Severe Dementia

  • Diagnosis Of Dementia Including Alzheimer's Disease
  • Moderately Severe Dementia Including Alzheimer’s Disease
  • Alzheimer’s Disease / Severe Dementia

28

Surgery To Aorta

  • Large Asymptomatic Aortic Aneurysm Or Aortic Dissection
  • Minimally Invasive Surgery To Aorta
  •  Surgery To Aorta

29

Multiple Sclerosis

  • Early Multiple Sclerosis
  • Guillain-Barre Syndrome
  •  Multiple Sclerosis

30

Pulmonary Arterial Hypertension

  • Early Pulmonary Arterial Hypertension
  • Secondary Pulmonary Arterial Hypertension
  • Primary Pulmonary Arterial Hypertension - of specified severity

31

Medullary Cystic Disease

  • Chronic Glomerulonephritis

Nil

  • Medullary Cystic Disease

32

Cardiomyopathy

  • Hypertrophic Cardiomyopathy
  • Constrictive Pericarditis With Surgery
  • Cardiomyopathy - of specified severity

33

Systemic Lupus Erythematosus

  • Mild Systemic Lupus Erythematosus
  • Moderately Severe Systemic Lupus Erythematosus With Lupus Nephritis
  • Systemic Lupus Erythematosus With Severe Kidney Complications

34

Muscular Dystrophy

  • Spinal Cord Disease Or Injury Resulting In Bowel And Bladder Dysfunction
  • Moderately Severe Muscular Dystrophy
  • Muscular Dystrophy

35

Poliomyelitis

Nil

  • Moderate Poliomyelitis
  •  Poliomyelitis

36

Pancreatitis

  • Acute Necrotizing Pancreatitis
  • Moderately Chronic Relapsing Pancreatitis
  • Chronic Relapsing Pancreatitis

37

Progressive Scleroderma

  • Early Progressive Scleroderma
  • Progressive Scleroderma With CREST Syndrome
  • Progressive Scleroderma

38

HIV, AIDS / Hepatitis B Or C Infection

  • HIV Infection Due To Assault
  • Occupationally Acquired Hepatitis B Or C

 

 

  • HIV Infection Due To Organ Transplant
  • HIV Infection Due To Blood Transfusion
  • Occupationally Acquired Human Immunodeficiency Virus (HIV) Infection
  •  Full-Blown AIDS

39

Apallic Syndrome

  • Akinetic Mutism
  • Locked In Syndrome
  •  Apallic Syndrome

40

Loss Of Independent Existence

  • Loss Of Fingers
  • Loss Of Independent Existence (Intermediate Stage)
  • Loss Of Independent Existence

41

Terminal Illness

Nil

Nil

  • Terminal Illness

42

Eisenmenger's Syndrome

  • Less Severe Eisenmenger's Syndrome

Nil

  • Severe Eisenmenger's Syndrome

43

Infective Endocarditis

 

  • Moderately Severe Infective Endocarditis

Nil

  • Infective Endocarditis

44

Myasthenia Gravis

 

  • Less Severe Myasthenia Gravis

Nil

  • Myasthenia Gravis

45

Progressive Supranuclear Palsy

  • Early Progressive Supranuclear Palsy

Nil

 

  • Progressive Supranuclear Palsy

46

Chronic Autoimmune Hepatitis

  • Early Chronic Autoimmune Hepatitis

Nil

  • Chronic Autoimmune Hepatitis

47

Adrenal Gland Disorder

  • Adrenalectomy For Adrenal Adenoma

Nil

  • Chronic Adrenal Insufficiency

48

Osteogenesis Imperfecta

  • Severe Osteoporosis With Fractures

Nil

  • Osteogenesis Imperfecta

49

Meningeal Tuberculosis

  • Tuberculous Myelitis

Nil

  • Meningeal Tuberculosis

50

Inflammatory Bowel Disease

  • Chronic Crohn's Disease
  • Chronic Ulcerative Colitis

Nil

  • Crohn's Disease With Intestinal Fistula, Obstruction Or Perforation
  • Ulcerative Colitis With Total Colectomy

 

 

In addition, Special Benefit3 is payable once per lifetime from any 1 of the covered conditions below:

Special Benefit

Diabetic Related Conditions

Joint Related Conditions

1

Surgery For Type 2 Diabetic Retinopathy

1

Total Knee Replacement

2

Limb Amputation Due To Type 2 Diabetic Complications

2

Total Hip Replacement

3

Diabetic Nephropathy Resulting In Kidney Failure

3

Chronic Rheumatoid Arthritis

 

1Terms and conditions apply. The 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.

2For Angioplasty and Other Invasive Treatments for Coronary Artery Disease, only 10% of the Rider Sum Assured or RM25,000.00, whichever is lesser, is payable.

3No Special Benefit payable once Total Multi Crisis Care is terminated. Special Benefit will not reduce the rider sum assured.

 

  1. This product summary is for illustrative purposes only. You are advised to refer to Prudential Assurance Malaysia Berhad (PAMB)’s Flyer, Product Disclosure Sheet, Product 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. This product comes with an option to extend the term of basic plan and rider(s) (if applicable) up to the Policy Anniversary of Life Assured’s age 100 or the rider’s maximum coverage term, whichever is earlier. Unless you withdraw the consent, your policy will be auto extended as long as it has sufficient value of units to be deducted to pay for the relevant charges, fees and taxes during the extended term. To ensure sufficient value of units, additional premium is likely required during the extended term.
  3. 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.
  4. 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 PAMB directly for more information.
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