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PRUBiz Protect

An insurance solution that protects your business and loved ones with affordable premiums.

Protect your business and loved ones

Starting a family while running a business can be daunting. With PRUBiz Protect, you can safeguard your priorities from any uncertainties that may come.

With affordable premiums, you have the flexibility to choose your coverage amount and term that corresponds to your liabilities and commitments. You can also choose to add additional coverage through accidental and payor riders.

You can also add extra plans to strengthen your coverage. Choose from plans that:

 

Pay for your hospital bills:

 

 

Pay you a lump sum if you have a critical illness:

 

 

Pay you a lump sum or your medical cost and a regular income if you have an accident:

 

 

Pay your premiums upon Total and Permanent Disability (TPD), death or diagnosis of critical illness
 

 

 

 

Build a lump sum for your child’s future, a rainy day or whatever you choose:

 

 

Protect your unborn or young child and their mother:

 

  • Infant Care Plus

                                       
 
Pay additional death benefit:

 

Learn more

More about PRUBiz Protect
The flexible plan that protects your business and your household.

PRUBiz Protect is a comprehensive coverage plan for your work and family with PRUWith You as the basic plan. Attached with additional death benefit, accidental and payor riders, it is customised to meet your protection needs and short to medium term liabilities or financial commitments.

PRUBiz Protect solution includes:

 

Protect Booster pays an additional death benefit in one lump sum payment upon death of the life assured prior to expiry of the rider. If the life assured is an unborn child, a waiting period of 30 days from birth will be applicable.

Acci Guard Plus, Acci Med Plus, and Acci Income Plus provides lump sum benefits, medical reimbursement and income respectively for disabilities caused by accidents.

Payor Basic pays your premiums if you become TPD, or diagnosed any of the covered critical illnesses.

Download our product leaflet in your preferred language for more details on the plan’s coverage. 

BM

CHI

About your plan

How much does it cost (your premium)?

Minimum insurance premium for:

  • Children (before birth to 18 years old) is RM50 per month

  • Adults (19 to 70 years old) is RM100 per month

Insurance premium will vary according to the amount of coverage, age, gender and smoking status.

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?

20 years; or choose to stop your plan at 60, 70, 80, 90 or 100 years old.

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

Before birth: After 14 weeks into pregnancy.

After birth: age 1 – 70 years old.

 

What’s the minimum amount of coverage?

RM10,000

What’s the maximum life coverage?

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. PRUBiz Protect is a solution offered using our product, PRUWith You as its basic plan and Protect Booster, Payor Basic and accidental riders as the main riders.

  2. Please note that the package here consists of components that can be bought separately and you are not obligated to select all components of this package.

  3. 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, Personal Accident 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.

  4. This product comes with Extension of Coverage Term to extend  the term of basic plan and rider(s) (if applicable) up to the Policy Anniversary of Life Assured’s age 100 or the rider’s maximum coverage term, whichever is earlier. Unless you request to disable the Extension of Coverage Term, your policy will be auto extended as long as it has sufficient value of units to be deducted to pay for the relevant charges, fees and taxes during the extended term. To ensure sufficient value of units, additional premium is likely required during the extended term.

  5. The insurance charge for basic benefits and Protect Booster (if any) are guaranteed, whereas other charges and the insurance charges for the riders are not guaranteed and may be varied from time to time by giving 3 months’ notice to policy owners (except for medical and critical illness benefits where 30 days’ notice will be provided). If we increase the insurance charge rates, you may need to pay an additional premium or top-ups. Premiums for this plan are payable throughout the entire term of this policy.

PLEASE NOTE THAT THIS IS AN INSURANCE PRODUCT THAT IS TIED TO THE PERFORMANCE OF THE UNDERLYING ASSETS, AND IS NOT A PURE INVESTMENT PRODUCT SUCH AS UNIT TRUSTS.