| Build a lump sum for your child's future, a rainy day or whatever you choose: | |
| Pay you a lump sum or your medical cost or a regular income if you have an accident: |
|
| Pay you a lump sum if you have a critical illness: | |
| Pay for your hospital bills: | |
| Pay your premiums upon Total and Permanent Disability (TPD), death or diagnosis of critical illness: | |
| Protect your unborn or young child and their mother: | |
| Pay additional death benefit: |
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PRUMy Critical Care (PMCC) is a critical illness solution designed to provide financial support when illness strikes. It helps replace lost income, supports recovery needs, and offers value‑added services from diagnosis through recovery. With flexible upgrade options, PMCC evolves with you as your life and responsibilities change.
Download the leaflet below for more information.
Discover our range of critical illness riders
Extra riders that can be attached
You can also add extra plans to strengthen your coverage. Choose from plans that:
Terms and Conditions apply.
FAQ
Critical illness insurance is important because it helps cover expenses beyond hospitalisation bills. A critical illness insurance pays lump sum directly to you, giving you the flexibility to use the money for income replacement, recovery needs, living expenses or other financial commitments.
For example, someone diagnosed with cancer may need to pay for chemotherapy, which can cost between RM50 - RM4,000 per cycle. Beyond treatment costs, they may also need financial support for:
- Loss of income due to inability to work.
- Daily living expenses.
- Loans, debts or other financial commitments
- Lifestyle adjustments such as home modifications, mobility support or transport to medical centres.
- Access to alternative treatments.
Thus, a critical illness cover doesn’t only pay for your medical bills. It also provides the necessary finances to help you through the recovery time and preserve your financial plans.
Medical insurance typically covers hospital bills, while critical illness insurance provides a lump sum payout upon diagnosis.
When considering a critical insurance plan, you should consider your family’s medical history or any medical conditions you have.
Generally, your critical illness plan should provide a sufficient payout for your living expenses. It should equal ten times your annual income or at least 60 months of living expenses.
For more on how to gauge the amount you’ll need, read ‘4 Considerations When Buying A Critical Illness Plan.’
PRUMy Critical Care is a solution providing range of Critical Illness (CI) Riders to cater different needs. Benefits include lump sum payout upon diagnosis of covered conditions, Value-added Services (VAS) including Case Management Service and Homecare Programme, Assurance Upgrade Privilege and many more that would accompany your journey from diagnosis, treatment and recovery.
Yes. PRUMy Critical Care offers flexible upgrade options so coverage can evolve as life and responsibilities change.
Yes, selected riders offer coverage for early, intermediate, and advanced stages of critical illnesses, allowing earlier financial support upon diagnosis.
Eligibility depends on age, health condition, and underwriting requirements set by Prudential Malaysia.
Depending on your age, coverage amount, and health declaration, a medical examination may be required.
Yes, certain riders such as Essential Child Plus are designed to provide coverage for children.
Claims can be submitted through Prudential Malaysia by providing required documents and reports.
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