Essential Child Plus

About your plan

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

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), and the consumer education booklet on Life Insurance, Investment-Linked Insurance, and Medical and Health Insurance 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.

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.

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.

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.

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.

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.

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.

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

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.