Exclusively for EPF members

Get coverage for Death and Total & Permanent Disability (TPD) for you and your family from as low as RM13.80 a year* per covered member through i-Lindung using your EPF funds.

On top of that, you can get up to 3 times the coverage upon accidental Death.

Benefits at one glance:

*Terms and conditions apply.

Product details

Secure you and your family’s financial future with this essential life insurance.

TERM LIFE PROTECTION FOR YOU AND YOUR FAMILY
PRUGuard Family is a guaranteed yearly renewable plan that aims to protect you and your covered dependants (i.e., spouse and children) up to RM200,000 in the event that any of you are no longer around or suffer from Total & Permanent Disability (TPD).

Death Benefit
Provides a lump sum benefit that can ease financial worries if you or any of your covered dependants are no longer around.

Total & Permanent Disability (TPD) Benefit
Provides a lump sum benefit if you or any of your covered dependants are unable to continue to earn a living due to TPD (terms and conditions apply).

Notes:

  • Payment of this benefit will reduce the Death Benefit.

  • TPD Benefit is provided up to the certificate anniversary of covered member's attaining ANB of 70 or expiry of the certificate, whichever is earlier.

Accidental Death Benefit
Provides the following additional lump sum benefits on top of the Death benefit if you or any of your covered dependants pass away due to accident.

Death due to

Benefit

Any accident other than the following causes

Additional 100% of the Sum Assured

Accident whle commuting in public conveyance, elevator car, burning of theatre, hotel or other public building

Additional 200% of the Sum Assured

Death due to an accident occuring while the covered member is residing or traveling outside of Malaysia (90 days residing period is applicable except for Brunei and Singapore)

Additional 300% of the Sum Assured

Note: Accidental Death Benefit is provided up to the certificate anniversary of covered member's attaining ANB of 70 or expiry of the certificate, whichever is earlier.

Entry Age
EPF Member & Spouse: 19 to 65 age next birthday (ANB)

Child: 14 days to 65 ANB

Note: Children of the EPF member includes adopted child, illegitimate/non-marital child, stepchild and ward.

Sum Assured
RM10,000 to RM200,000 (in multiples of RM5,000)

Note: EPF members may buy multiple PRUGuard Family certificates for themselves and their dependants, up to a maximum total sum assured of RM200,000 per life, aggregated with the existing PRUGuard Family certificates (if any) of each covered member.

Premium Type
Yearly renewable premium. The payment of premiums will be withdrawn from your EPF Account via EPF i-Akaun.

Coverage Term
Guaranteed yearly renewable up to ANB 75 for respective covered member.

Key information and disclaimers.

  1. PRUGuard Family is a non-participating guaranteed yearly renewable insurance plan underwritten by Prudential Assurance Malaysia Berhad (“PAMB”) 198301012262 (107655-U) which is licensed under the Financial Services Act 2013 and is regulated by Bank Negara Malaysia.

  2. You should satisfy yourself that this insurance certificate will best serve your needs and that the premium payable under the insurance certificate is an amount that you can afford.

  3. The product details section contains only a brief description of the products and is not exhaustive. Please refer to the Product Disclosure Sheets, Frequently Asked Questions and insurance certificate for the full list of benefits, exclusions, waiting periods, terms and conditions and other information before purchasing the plan. You may also contact the insurance company directly for more information.

  4. 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).

  5. PRUGuard Family is not a Shariah-compliant product.

How can claims be submitted?

Claimant may submit the completed Claim form(s) along with the supporting documents to the nearest Prudential branch.

What are the documents required when submitting a claim?

For a claim on Death Benefit or Accidental Death Benefit:
Claimant is required to submit the following:

  1. Claim Form & Application for Direct Credit - signed by the claimant (person who is making the claim)
  2. Medical Report pertaining to the cause of death - signed by the doctor who last treated the deceased
  3. Certified true copy of Death Certificate - to be certified by Prudential branch staff / Business Development Executive
  4. Copy of Claimant's NRIC
  5. Proof of Relationship between claimant and deceased where there is a nomination made in the certificate:
    • if claim is made by spouse - marriage certificate is required
    • if claim is made by children - child birth certificate is required
    • if claim is made by parent - Deceased birth certificate is required
    • if claim is made by sibling - sibling and deceased’s birth certificates are required
  6. Other supporting test/Laboratory Report: Biopsy, MRI, scan and investigation results (where applicable)
  7. Police report being lodged within 24 hours of the incident. (For accidental death only)

For a claim on Total and Permanent Disability (TPD) Benefit:
Claimant is required to submit the following:

  1. Claim Form & Application for Direct Credit – signed by the claimant (person who is making the claim)
  2. Total and Permanent Disability Medical Report – completed and signed by doctor who treated the customer to be assured
  3. Copy of Insured Member’s or claimant’s NRIC
  4. Copy of police report (where applicable)
  5. Copy of letter medically boarded out from employer (where applicable)
  6. Copy of confirmation letter from SOCSO (where applicable)
  7. Copy of test results: Histopathology, X-ray, MRI, CT scan, ultrasound, blood test, visual acuity, audiogram report and all other lab test report.

Prudential Assurance Malaysia Berhad (PAMB) reserves the right to request for other relevant supporting documents, information or to view the original of the copied documents whenever necessary.

Claimant can get the relevant claim forms from our corporate website at https://www.prudential.com.my/ or any Prudential branch near them, or contact our Customer Service Hotline at 03 - 2771 0228 (Monday to Friday, 8.30am - 5.15pm)

How long will it take to process the claim?

Upon receiving the complete documents, the claim payment will be processed within 14 working days.

Why is it important to nominate a beneficiary?

It is important to ensure that your loved ones will receive the benefit as intended by you and that the monies payable under the certificate (and related campaign, if any) can be paid out by PAMB without any delay. Without a nomination, the contract benefits will be paid out to the EPF member's lawful executor or administrator to distribute it in accordance to the applicable laws of distribution. The process will take a while.

It is important for you to inform the beneficiary about the insurance benefits and nomination.

Who can I nominate as the beneficiary for my own certificate?

a) The nominee has to be an individual. Nomination of an organization is not allowed.

b) If the nominee is below the age of 18 (eighteen) at the point of claim, the benefits will be paid to the surviving parent or a proper claimant i.e. legal guardian, subject to the relevant legal evidence/supporting documents.

Note: For dependants’ certificates, the EPF member (Certificate Holder) will be the default beneficiary. The dependants may change their beneficiary once they become the Certificate Holder for their own certificate.

How can I nominate a beneficiary for my own certificate?

You can nominate a Beneficiary by filling in and submitting the Nomination of Beneficiary form via PRUServices Web after sign-up.

Certificate cancellation during the 15 days Free Look Period
You may choose to cancel your own and/or your dependants’ (if any) certificate(s) by filling in and submitting the Application for Cancellation form via PRUServices Web during the 15 days Free Look Period from the delivery of insurance certificate for a full refund for the respective Insured Member.

Certificate surrender after the 15 days Free Look Period
You may also choose to surrender your own and/or your dependants’ (if any) certificate(s) after the Free Look Period by filling in and submitting the Application for Surrender form via PRUServices Web. We will pay the Surrender Value of the respective certificate as a percentage of premiums paid, as shown in the Product Disclosure Sheet and the respective certificate will be terminated.

Note: If you as the EPF member cancel/surrender your own certificate, the certificate(s) for your dependants’ (if any) under the same submission will be cancelled/surrendered as well.