Spouse Payor Basic

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.

3. Any age reference shall be on the basis of Age Next Birthday.

Spouse Payor Basic is an insurance rider from Prudential Malaysia that ensures your policy continues even if your spouse faces unexpected health difficulties. It covers your annual premiums if your spouse passes away, becomes Total and Permanently Disabled (TPD) before age 70, or is diagnosed with a covered critical illness.

Spouse Payor Basic will pay these annual premiums for you until the end of your premium payment term or when your spouse reaches the age of 100, whichever comes earlier.

The Spouse Payer Basic covers situations where the spouse passes away, becomes permanently disabled before age 70, or is diagnosed with a covered critical illness. Conditions outside of these are not covered.

Yes, Spouse Payor Basic can be added as a rider to certain insurance plans such as PRUWith You and PRUWealth Enrich and other existing plans depending on the Terms & Conditions of each insurance coverage.

Should your spouse recover from a critical illness, the continuation or cessation of the Spouse Payor Basic coverage, or the possibility of a waiting period before the coverage resumes, may vary. Each situation is unique and will be evaluated according to Prudential's policy guidelines.

Yes, you can buy Spouse Payor Basic before your spouse reach the age of 70. If your spouse becomes Total and Permanently Disabled or is diagnosed with a critical illness before this age, the rider will cover your premiums.

To add the Spouse Payor Basic rider to your existing plan, Prudential will first assess your eligibility. This assessment could involve a review of your current policy terms, your spouse's health status, age, and other relevant factors.

If you're deemed eligible, additional underwriting may be required, including a medical examination or health questionnaire for your spouse. Please contact us or visit our branch for a guided walk-through of the process and to receive all necessary information.

Adding the Spouse Payor Basic rider to your policy when your spouse already has a pre-existing critical illness may be subject to Prudential's underwriting guidelines.

The cost of adding Spouse Payor Basic to your plan can vary based on several factors, such as the base policy to which it is being added, your health and general lifestyle.

If an unfortunate event necessitates a claim, you should promptly inform us and provide all required documents, such as medical reports or a death certificate. Prudential will then evaluate the claim based on the terms of the Spouse Payor Basic rider. Upon approval, we will take over the payment of future premiums as outlined in the policy document's terms.

Yes, you can cancel Spouse Payor Basic whenever required.

Spouse Payor Basic covers your premiums if your spouse is diagnosed with a critical illness. The specific illnesses covered can be found in the policy document.

The details about any potential waiting period can be found in the policy document.