Accidental Death & Disablement

This rider pays benefits as a percentage of its sum assured in the event that the life assured sustains bodily injury affected directly and independently of all other causes by violent, external, visible and accidental means resulting in losses which are Total and Irrecoverable Loss of Use within 12 months of an accident.

Additional compassionate allowance of RM2,000 is payable if death is due to accident or natural causes occurred.

Double indemnity - 2 times the amount of benefit will be payable for accident occurring:

  1. while the life assured is travelling in any mechanically propelled non-aerial public conveyance over an established land route; or
  2. while the life assured is in an elevator car (excluding elevator in mines and construction sites); or
  3. in consequence of the burning of any theatre, hotel or other public building in which the life assured is at the commencement of the fire.

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Basic Plan Attachable
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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