Disabled women on wheelchair
Our Riders - Insurance Add-ons

Payor Basic

Get annual benefits if you can’t pay for your plan’s premiums if you become Total and Permanently Disabled (TPD) or diagnosed with critical illness.

We pay for your premium in case of a bumpy road ahead

Guarantees in life may not necessarily be available at all times. But with Payor Basic, we provide you with assurance by paying you an annual benefit that equals to the amount of your plan’s annual premiums (except PRUSaver and PRUSaver Kid premiums).


This applies if you are diagnosed with critical illness or become TPD before age 70 or until the end of payment term, whichever earlier.

Attachable plans

The basic plans that Payor Basic can be attached to:

Learn more

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), 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.

  2. This product comes with Extension of Coverage Term to extend the term of basic plan up to the Policy Anniversary of Life Assured’s age 100. For rider(s), if applicable, the rider's term will be extended 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. During the extended coverage term, the coverage provided by the basic plan and rider(s) (if applicable) will remain the same.