Father and daughter at the beach

Essential Child Plus

A critical illness rider that offers coverage for child-specific illnesses.

Nurse your child with financial ease

Having a child falling seriously ill can have a domino effect on your finances. This rider product offers the financial aid often needed from the impact of nursing your child back to health.

Sign up for Essential Child Plus today to get a lump sum benefit upon diagnosis of any of the 10 child-specified illnesses covered.

Attachable plan

The basic plan that Essential Child Plus can be attached to:

Learn more

More about Essential Child Plus
Extra plan that covers your child.
About your plan

How much does it cost?

Please click here for full cost of insurance rates.

How long will I need to pay premiums?

The insurance charges will continue as long as your plan is in force.

How long does the coverage last?

Up to age 25 years old (after which it will automatically convert to Crisis Care rider).

How old must the life assured (the person covered by the plan) be when the plan starts?

Before birth: After 13 weeks into pregnancy.
After birth: Age 1 – 15 years old.

What’s the minimum amount of coverage?


What’s the maximum life coverage?

Before Birth: RM500,000
After Birth: Our underwriters decide this, depending on your circumstances.

All ages in this table are age next birthday (ANB)

Important notes
Key information and disclaimers.
  1. 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, 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.

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).


What is a critical illness rider for children?

A critical illness rider for children is an additional coverage option that can be added to an existing health insurance policy. Riders provide specialised coverage for medical expenses related to a child’s healthcare needs.

What does Prudential’s critical illness rider for children cover?

Prudential’s Essential Child Plus covers child-specific illnesses with a lump sum payment upon diagnosis and unique conditions like asthma, and epilepsy with payouts. You will be able to use the payouts for doctor’s consultation, medication, hospitalisation and other illness-related expenses to ensure your child’s health needs are adequately addressed.

Who is eligible for this rider?

The plan needs to start when the child is between 1 to 15 years of age if after birth, or after 13 weeks into pregnancy if before birth. The coverage will last until the child is 25 years old.

Can I purchase this rider as a standalone health insurance policy for my children?

No, this critical illness rider for children is designed to complement an existing health insurance policy. It cannot be purchased as a standalone policy and must be attached to PRUWith You.

Are pre-existing conditions covered under this health insurance rider?

The coverage for pre-existing conditions can vary based on the terms and condition of the rider. Speak to one of our Wealth Planners at Prudential for up-to-date information, and whether your child’s pre-existing condition will be covered.

How does the claims process work for this children’s health insurance rider?

The claims process involves submitting the necessary medical documents related to your child’s health and healthcare expenses. The documents will be reviewed by our claims team, and payouts given accordingly. You can also contact our team if you need assistance with claims.

Is there a waiting period before I can use the Essential child Plus critical illness rider benefits?

Yes, there is a waiting period before the benefits of the rider can be used.

Can I remove the Essential Child Plus critical illness rider from my policy at any time?

Yes, you can remove it from your policy anytime. However, it’s recommended to review the policy terms and conditions to understand if there are any conditions regarding the rider removal. Contact your Wealth Planner for more information and clarification.