
Product benefits
Fight against cancer and recover stronger
When diagnosed with cancer, we understand the potential cost of treatments can be taxing for your finances. With PRUCancer X, you and your loved ones are financially protected and receive the means to take charge and recover from cancer.
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More about PRUCancer X
PRUCancer X is a regular premium plan that provides insurance protection for 10 years. It pays Cancer Benefit upon Life Assured’s diagnosis of the covered conditions. It also provides Compassionate Benefit upon death of the Life Assured. This policy comes with the mechanism of automatic conversion to another 10-year term plan at the end of the 10 years, without new underwriting. This automatic conversion will be done at the end of each 10-year term before or on the Life Assured’s age of 70 next birthday provided that the policy is not terminated.
A plan that offers both cancer and compassionate benefits
PRUCancer X pays Cancer Benefit upon Life Assured’s diagnosis of the covered conditions. It also provides Compassionate Benefit upon death of the Life Assured.
Cancer benefit table
|
Amount of benefit |
|
Benefits |
Diagnosed within Policy Year 1 |
Diagnosed within Policy Year 2 above |
Category 1
|
5% of Basic Sum Assured in one lump sum* |
10% of Basic Sum Assured in one lump sum* |
Category 2
|
10% of Basic Sum Assured in one lump sum |
100% of Basic Sum Assured in one lump sum |
*Payment of Category 1 Cancer Benefit reduces Category 2 Cancer Benefit.
Notes:
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Category 1 Cancer Benefit is payable once only.
-
This plan will terminate after a claim has been made for Category 2 Cancer Benefit or Compassionate Benefit or upon expiry of the plan, whichever happen first.
-
Cancer Benefit for the first year of auto converted policy will follow the benefit for policy year 2 and above.
Compassionate benefit
We provide RM10,000 if you unfortunately pass away to safeguard your loved ones.
Download our product flyer for more details on the plan’s coverage.
About your plan
How much does it cost (your premium)? |
Insurance premium will vary according to the amount of coverage, age, gender and smoking status. Our underwriters decide this, depending on your circumstances. Please click here for full premium rates. |
How long will I need to pay premiums? |
You pay premiums for as long as you have your plan in force. |
How long does the coverage last? |
10 years, with mechanism of automatic conversion to another new and available 10 year-term cancer plan with an applicable premium at that point of time. |
How old must the life assured (the person covered by the plan) be when the plan starts? |
1 – 60 years old |
What’s the minimum amount of coverage? |
RM250,000 |
What’s the maximum amount of coverage? |
|
What will happen to my plan if a claim is made? |
Category 1 of cancer benefit Plan continues in force and coverage amount will reduce accordingly.
Category 2 of cancer benefit & compassionate benefit Plan terminates. |
What are the waiting period that I should be aware of? |
Category 1 of cancer benefit 90 days
Category 2 of cancer benefit 60 days
*Waiting period is only applicable once at the inception of first policy. After auto conversion, there will be no waiting period. |
What are the exclusions of PRUCancer X? |
Note: This list is non-exhaustive. Please refer to the policy contract for the full list of exclusions under this policy. |
All ages in this table are age next birthday (ANB)
Important notes
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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 Brochure, Product Disclosure Sheet, Product / Sales Illustration and the consumer education booklet on Medical and Health Insurance before purchasing the plan, and to refer to the terms and conditions in the policy contract for details of the features and benefits, exclusions and waiting periods of the policy.