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PRUTriple Care

We DO care for your needs for Life, Accidental and Critical Illness protection.

Critical Illness and accidents may strike at any time. Get protected with PRUTriple Care, which protects you against both of these unforeseen circumstances, enabling you to focus on your recovery without having to worry about financials.

PRUTriple Care  is an insurance solution offered by our flagship product, PRUWith You as a basic plan and is attached attached with Total Multi Crisis Care and accidental riders.

 

Highlights

holistic-accidental-coverage

3 accidental protection riders to provide lump sum benefit, medical reimbursement and income in the event of a disability due to accidental causes.

comprehensive-ci-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.

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.

Product Enquiry

For more information and special offers.

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protection
PRUTriple Care

Download the product brochure

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Contact us

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PRUTriple Care is an insurance solution offered with PRUWith You as the basic plan,attached with Total Multi Crisis Care and accidental riders. 

PRUTriple Care package

    1. PRUWith You
    2. Total Multi Crisis Care
    3. Acci Guard Plus
    4. Acci Med Plus
    5. Acci Income Plus
    6. Payor Basic
       

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 Activities 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.

 

Accidental Riders 

Obtain accidental coverage with Acci Guard Plus, Acci Med Plus, and Acci Income Plus which provide lump sum benefits, medical reimbursement and income respectively for disabilities due to accidental causes.

Payor Riders 

Concerned about your policy when the unspeakable happens? Our Payor riders will pay for your plan in the event of death (if applicable), TPD¹, or Critical Illness2 of yourself or your covered family members. This will be made possible using our Payor, Parent Payor, 2Parent Payor, and Spouse Payor riders.

If more than one Payor rider trigger at once, not only will the premiums of the policy be borne by Prudential, but an amount equal to the Rider Sum Assured of the subsequent payor rider(s) will be allocated into the policy’s Account Value with 100% allocation, allowing for more funds for investment.

1TPD coverage is available prior to the Policy Anniversary Date of age 70 next birthday or expiry of the policy whichever is earlier.

2Angioplasty and Other Invasive Treatments for Coronary Artery Disease are not covered under Payor Riders.

  • This content contains only a brief description of the product and is not exhaustive. You are advised to refer to Prudential Assurance Malaysia Berhad (PAMB)’s Product Disclosure Sheet, Product / Sales Illustration, Fund Fact Sheet(s) and the insuranceinfo booklet on ‘Investment-Linked Insurance’, ‘Personal Accident Insurance’ and ‘Medical and Health Insurance’ 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.
  • Please note that there are exclusions applicable to each respective benefits. Please refer to the Product Disclosure Sheet, Product / Sales Illustration and Policy Document for the full list of benefits, exclusions, waiting periods and other terms and conditions.
  • Please note that the package here consists of components that can be bought separately and you are not obligated to select all components of this package.
  • 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.
  • The insurance charge for basic benefits is guaranteed, whereas other charges and the insurance charges for the riders are not guaranteed and may be varied from time to time by giving 3 months’ notice to policy owners (except for medical and critical illness benefits where 30 days’ notice will be provided). If we increase the insurance charge rates, you may need to pay an additional premium or top-ups. Premiums for this plan are payable throughout the entire term of this policy.
  • Details of the fees and charges charged for providing the insurance coverage and its optional riders are detailed in the Product Disclosure Sheet and Product / Sales Illustration.
  • You can surrender the policy at any time. However, if you terminate the policy in the early years, you may get back less than the amount you have paid in. Upon surrender, a surrender value will be payable and all the benefits under this plan will be terminated.
  • 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 value of units (at the next pricing date) plus the premiums that are not invested, insurance charges, policy fees and taxes (if any) that we have deducted, less medical expenses that we may have already paid or agreed to pay.
  • Among other factors, non-payment of premiums may cause this policy to lapse. The policy coverage term shall depend on the policy having sufficient cash value to cover all the policy charges. Therefore, depending on the amount of units available in its accounts, riders (if any) of the policy may lapse and cease to be in force at different points of time.
  • If you switch your current medical plan with another or from one provider to another, you may be subject to new underwriting requirements and waiting periods for the new plan.
  • You must inform us of any change in your occupation, avocation or sports activities because it may affect the premiums, terms, conditions and benefits.
  • For more information on the funds, please refer to their respective Fund Fact Sheet available on our website at www.prudential.com.my. You may also track the performance of your funds by checking the unit prices published daily on our website.
  • Any age reference shall be on the basis of Age Next Birthday.
  • PRUWith You and its attachable riders are not Shariah-compliant products.
  • 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).

     

    PLEASE NOTE THAT THIS IS AN INSURANCE PRODUCT THAT IS TIED TO THE PERFORMANCE OF THE UNDERLYING ASSETS, AND IS NOT A PURE INVESTMENT PRODUCT SUCH AS UNIT TRUSTS.

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