Critical Illness Insurance Plans

Get covered beyond your basic medical policy with our critical illness plans.
Female patient on wheelchair

Do you know that your health insurance might not provide sufficient protection when it comes to critical illness like cancer, stroke, heart attack or renal failure? This is why you should invest in a critical illness policy to save yourself from a financial burnout.

A critical illness plan provides a lump sum amount to your family upon diagnosis of any serious illness. From as low as RM100 a month, our critical illness plan covers up to 190 critical illness conditions which can have a lasting impact on your health and family.

Get covered beyond your basic medical policy with our critical illness plans. Choose from our range of customised plans including Lite, Plus or Comprehensive. Check out our latest enhancement on Critical Illness Plans that provides greater value in your critical illness coverage, and PRUAll Care, a revolutionary plan that cares for you beyond Critical Illness coverage, equipping you with additional benefits to help you stand strong against serious illness.

We have a Critical Illness insurance plan for you

Our insurance plans are customisable based on your budget and needs.

Critical Illness Insurance Malaysia FAQ

What is critical illness?

Critical illness includes illness that can be life-threatening or take a longer time to recover after diagnosis and can put one in a financial crisis

What illnesses does a critical illness plan cover?

Our critical illness plans cover up to 190 conditions typically ranging from cancer, heart attack, stroke and coronary bypass. It provides a lump sum payment once diagnosed with a serious illness including the terminal ones which may have a lasting impact on you and your family.

What is survival period in critical illness?

A survival period is the time duration that one must be alive after the diagnosis of a critical disease. Being an important part of a critical illness policy, the survival period varies between 7 days to 30 days depending on your critical illness plan.

How much critical illness cover should you get?

Ideally, a critical illness plan must provide sufficient payout for your living expenses which is equivalent as 10x of your total annual income. This is to ensure that everything is taken care of while you focus on your recovery.

How to choose the best critical illness insurance policy?

When choosing a critical illness plan, you must look out for the following:

  • Types of illnesses covered

  • Your family’s medical history

  • Your financial standing

  • Types of plans available


It is important to go for a plan that is flexible, affordable and provides maximum coverage for your future needs.

What are the most common critical illnesses?

Some of the common critical illnesses include cancer (lung & nasopharyngeal in males and cervical & breast in females), heart attack and stroke.


Why critical illness insurance is important?

Critical illness insurance is important as it can:

  • Pay for treatments that are not covered by medical plan.

  • Help with daily expenses if you’re critically ill and thus, allow you to focus on getting well.

  • Help with transportation expenses, including journeys to treatment centers, wheelchairs, and even installing lifts in your home.

Is critical illness insurance worth having?

Yes, it is. Many feel that having a life insurance policy will be enough should they experience death. However, critical illnesses can be just as stressful financially for a family. Critical illness payouts will help take care of your finances while you recover. This is extremely important if you unable to work due to illness, hence loss of income.

How much does critical illness insurance payout?

This will depend on your critical illness insurance plan.

Can I have two critical illness policies?

Yes, you can have more than one critical illness policy, as according to your needs and budget.

Can I just buy a critical illness cover?

Yes, you can buy a standalone critical illness cover or attach as a rider to your investment-linked plan.

Is life insurance better than critical illness insurance?

Life insurance and critical illness insurance are both equally important. This is because they offer different types of protection. Critical illness policies cover you and help with your finances in the case the insured contacts a critical illness. It does not cover death benefits. Life insurance provides financially for beneficiaries if the insured dies. 

Does critical illness insurance cover accidents?

Basic critical illness insurance does not usually cover accidents, although you might be able to claim for a critical illness caused by an accident. For example, traumatic head injuries or total blindness. However, to be safe, you can purchase or add on a plan that includes cover for accidents.