A child’s critical illness changes everything. While your focus is on getting them the care they need, Essential Child Plus helps ease the financial impact, supporting your family so you can remain present where it matters most.

Refer to our Critical Illness Solution leaflet for more information.

Rider benefits

Attachable plan

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

Learn more

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 Up to age 25 years old (after which it will automatically convert to Critical Care Plus 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?

RM10,000

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 based on age next birthday (ANB), except for age 100, which is based on attained age.

Click here for the sample PDS.

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 Leaflet, Product Disclosure Sheet, Product / Sales Illustration and 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.

  2. The critical illness riders exclude: (i) symptoms of illness that occur prior to or within 30 days after the rider has commenced or the date it is revived, except for Cancer, Heart Attack, Coronary Artery By-Pass Surgery, Serious Coronary Artery Disease, and Angioplasty And Other Invasive Treatments For Coronary Artery Disease in which a 60-day waiting period applies; (ii) illness that is directly or indirectly caused by the existence of AIDS or the presence of any HIV infection, except for “HIV Infection Due To Blood Transfusion", "Full-Blown AIDS", “Occupationally Acquired Human Immunodeficiency Virus (HIV) Infection” and any other conditions covered under this Critical Illness Category; (iii) illness arises directly or indirectly from pre-existing illnesses; (iv) illness that is a congenital condition or is caused directly or indirectly from a congenital condition which happens, or which the Life Assured start to get symptoms of, within the first 2 years from the date of birth of the Life Assured, unless the illness is expressly stated to be covered as a critical illness; or (v) the life assured did not survive for at least 7 days after the occurrence of a critical illness. Note: This list is non-exhaustive. You must refer to the policy contract for the full list of exclusions.

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).

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