Total Multi Crisis Care

This rider provides comprehensive critical illness coverage from early to late stage conditions and allows multiple claims up to 400% of the rider sum assured.

  • Pays lump sum benefit upon diagnosis of covered early critical illness or late stage critical illness
  • Allows multiple claims for different stages in the critical illness categories and maximum of 100% claims payout for each critical illness category, except for Cancer, Heart Attack and Stroke.
  • Allows coverage for re-diagnosis of Cancer, Heart Attack and Stroke up to 200% of the rider sum assured for each category.
  • Pays additional 20% of the rider sum assured for Special Benefit upon diagnosis of any of the covered diabetic related conditions and joint related conditions.
  • Does not accelerate the basic sum assured. The benefit will only be paid if the life assured survives at least 30 days after the diagnosis of each critical illness.


Payment Term

Premium is payable throughout the coverage term

Coverage Term

Up to age 100 (Age Next Birthday)

Issue Age

Prenatal: After 14 weeks into pregnancy

Post-birth: 1 – 70 years old (Age Next Birthday)

Minimum Sum Assured


Maximum Sum Assured

RM2,000,000, subject to underwriting



  • Covers 101 early critical illnesses conditions and 53 critical illnesses conditions under 50 critical illness categories
  • Allows multiple claims up to 400% of rider sum assured
  • Covers re-diagnosis of Cancer, Heart Attack and Stroke
  • Covers Special Benefit on diabetic related conditions and joint related conditions

Note: Subject to terms and conditions

Cost of Insurance Rates

Please click here for full cost of insurance rates

Basic Plans that can attach this Rider

PRUWith you



Important Notes
  1. This product summary is for illustrative purposes only. You are advised to refer to Prudential Assurance Malaysia Berhad (PAMB)’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 PAMB directly for more information.

Total Multi Crisis Care

Download the product brochure

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