Critical illness insurance for every man & woman

Men and women are simply different. That is why we have designed gender-specific critical illness plans catered to their unique needs. Celebrate your key life milestones, earn rewards, and protect yourself from a wide range of critical illnesses. In addition, enjoy Fertility Care and Wellness Care benefits to support you in your journey towards parenthood and a holistic well-being. ​
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Whether you're a man or a woman, we are here to help you take charge of your story with a plan that is uniquely yours.

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PRUMan & PRULady

Terms & Conditions apply.​​

Explore the scenario below to envision the extensive coverage you can get from PRUMan & PRULady plan.

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PRUMan and PRULady are non-participating insurance plans designed to offer protection against gender-specific illnesses, death, or Total and Permanent Disability (TPD) until the Policy Anniversary of age 70 next birthday. These plans provide comprehensive coverage, including benefits such as the Recovery Benefit, Wellness Care Benefit, Fertility Care Benefit, and cash rewards to celebrate significant milestones in your life. Additionally, upon policy maturity, the plans also provide a refund of the total premium paid.

 

About Our Plan

How much does it cost (your premium)?

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

 

Please click here for full premium rates.

How long will I need to pay premiums?

For individuals between the ages of 15 and 35, the policy is payable up to the age of 55.

 

For individuals aged 36 and above, the policy is payable for a duration of 20 years. 

How long does the coverage last?

Up to 70 years old.

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

15 years old - 40 years old.

What's the minimum amount of coverage?

RM25,000

What's the maximum life coverage?

RM300,000

 

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

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 and Product / Sales Illustration 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.​ ​​

The benefit(s) payable under eligible certificate/policy is(are) protected by Perbadanan Insurans Deposit Malaysia ("PIDM") up to limits. 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).

FAQ

Gender-specific critical illness insurance covers critical illnesses that are specific to one’s gender. For women, this may include breast cancer, cervical cancer, uterine cancer etc., while for men, it might cover prostate cancer, testicular cancer, etc.

PRUMan and PRULady are critical illness insurance that Wellness Care which cover psychotherapy treatment or psychiatric visits due to depressive disorder and anxiety disorder.

To file a claim, submit the required medical documents, diagnosis reports, and a completed claim form. The process may include a review period before approval. Contact our team for more information on how to file a claim.

Pre-existing conditions are usually not covered.

You can claim up to RM15,000 for fertility treatments. Fertility Care treatments under PRUMan and PRULady insurance include oocyte/sperm cryopreservation due to cancer/CIS, in-vitro fertilisation (IVF) and intrauterine insemination (IUI) treatment.

Yes, as the risk factor for men and women are different.

You usually have a grace period to make a late payment without losing coverage. If the premium is not paid within the grace period, the policy might lapse, resulting in a loss of coverage.

Yes, you can purchase critical illness insurance even if you have a family history of gender-specific illnesses. However, this may affect premium rates, and coverage for certain conditions might be excluded based on your family medical history. It is crucial to disclose all relevant medical history information when applying for insurance to ensure proper coverage.

Yes, PRULady covers the following 12 pregnancy-related conditions:

  • Disseminated intravascular coagulation (after 7 months of pregnancy)
  • Ectopic pregnancy
  • Hydatidiform mole
  • Eclampsia
  • Death of foetus (after 13th week of pregnancy)
  • Death of the life assured’s child (within 30 days of birth)
  • Abruptio Placentae
  • Amniotic fluid embolism
  • Acute fatty liver of pregnancy
  • Postpartum haemorrhage requiring hysterectomy
  • Pulmonary embolism of pregnancy
  • Placenta increta/precreta

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