Serious health challenges can unfold over time and in different ways. Total Multi Crisis Care is built to support you across multiple critical illness events, offering coverage for up to 160 conditions from early to late stages, so your protection keeps pace with life’s uncertainties.
By combining financial coverage with expert guidance and homecare support, it supports you through diagnosis, treatment, and recovery, every step of the way.
Refer to our Critical Illness Solution leaflet for more information.
Rider Benefits
Lump sum payout
*The full list of the 160 covered critical illnesses is available in Appendix.
Comprehensive critical illness protection
- Multiple claims up to 400% rider sum assured.
- Re-diagnosis coverage for Cancer, Heart Attack, and Stroke.
Guaranteed coverage boost with Assurance Upgrade Privilege
Available for new and existing customers, at no additional cost.
Get Expert Care and Homecare Programme
With Assurance Upgrade Privilege, your protection levels up
with selected life milestones.
Assurance Upgrade Privilege allows you to increase the rider sum assured within 180 days of Life Assured’s Life Milestone events, without further underwriting.
This privilege can be exercised once per policy during the first 10 rider years, before ANB 50, up to 50% of the rider sum assured, capped at RM300,000 per life.
Any increase in rider sum assured may lead to an increase in premium.
Terms and Conditions apply.
Value-Added Services
Terms and Conditions apply.
Attachable Plan
The basic plan that Total Multi Crisis Care
can be attached to:
Discover other Riders
Learn more
More about Total Multi Crisis Care
About your plan
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How much does it cost (your premium)? |
Please click here for full cost of insurance rates. |
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How long will I need to pay premiums? |
The insurance charges will continue as long as your plan is in force. |
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How long does the coverage last? |
It will be dependent on the basic plan, |
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How old must the life assured (the person covered by the plan) be when the plan starts? |
Before birth (for applicable basic plan): After 13 weeks into pregnancy. After birth: Age 1 – 70 years old. |
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What’s the minimum amount of coverage? |
RM10,000 |
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What’s the maximum life coverage? |
RM2,000,000* *Our underwriters decide this, depending on your circumstances. |
*All ages in this table are based on age next birthday (ANB), except for age 100, which is based on attained age.
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 Leaflet, Product Disclosure Sheet, Product / 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 features and benefits, exclusions and waiting periods under the policy.
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The critical illness riders exclude: (i) symptoms of illness that occur prior to or within 30 days after the rider has commenced or the date it is revived, except for Cancer, Heart Attack, Coronary Artery By-Pass Surgery, Serious Coronary Artery Disease, and Angioplasty And Other Invasive Treatments For Coronary Artery Disease in which a 60-day waiting period applies; (ii) illness that is directly or indirectly caused by the existence of AIDS or the presence of any HIV infection, except for “HIV Infection Due To Blood Transfusion", "Full-Blown AIDS", “Occupationally Acquired Human Immunodeficiency Virus (HIV) Infection” and any other conditions covered under this Critical Illness Category; (iii) illness arises directly or indirectly from pre-existing illnesses; (iv) illness that is a congenital condition or is caused directly or indirectly from a congenital condition which happens, or which the Life Assured start to get symptoms of, within the first 2 years from the date of birth of the Life Assured, unless the illness is expressly stated to be covered as a critical illness; or (v) the life assured did not survive for at least 7 days after the occurrence of a critical illness. Note: This list is non-exhaustive. You must refer to the policy contract for the full list of exclusions.
PROTECTION BY PERBADANAN INSURANS DEPOSIT MALAYSIA (“PIDM”) ON BENEFITS PAYABLE FROM THE UNIT PORTION OF THIS CERTIFICATE/POLICY IS(ARE) SUBJECT TO LIMITATIONS. Please refer to PIDM’s Takaful and Insurance Benefits Protection System (“TIPS”) Brochure or contact Prudential Assurance Malaysia Berhad or PIDM (visit www.pidm.gov.my).