Breast Cancer Package

PRUSimple Care on Pulse Breast Cancer Package

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Choose your plan
You can choose from three levels of coverage based on your needs and budget with Lite, Mid and Advance plans.

Sum Assured

Lite Plan

Mid Plan

Advance Plan

Death Benefit

 RM1,000

 RM1,000

 RM1,000

Death due to Cancer Benefit

 RM5,000

 RM10,000

 RM15,000

Diagnosis of Breast Cancer Benefit

 RM2,500

 RM5,000

 RM10,000

Premium rate

 

 

From RM5

From RM7

From RM10

Note: Premiums above are for one year coverage.

 

 

Frequently Asked Questions

Plan Features

 

1. What is PRUSimple Care – Breast Cancer Package?

PRUSimple Care – Breast Cancer Package is an affordable non-participating group insurance plan where Prudential Assurance Malaysia Berhad (PAMB) is the Master Policyholder of the plan. This plan offers Death Benefit, Diagnosis of Breast Cancer Benefit and Death due to Cancer Benefit for a period of 12 months from the Commencement Date of the Insured Member’s insurance certificate.

 

2. What benefit does PRUSimple Care – Breast Cancer Package provide? 

Benefits

Sum Assured

Basic Benefit:

Lite

Mid

Advance

Death Benefit

In the event of Insured Member’s death, 100% of the sum assured will be payable.

RM 1,000

RM 1,000

RM 1,000

Cancer Benefit(s):

 

 

 

Diagnosis of Breast Cancer Benefit

In the event of the Insured Member’s diagnosis of Breast Cancer, 100% of sum assured will be payable.

RM 2,500

RM 5,000

RM 10,000

Death due to Cancer Benefit

In the event of the Insured Member’s death due to Cancer, 100% of sum assured will be payable.

 

RM 5,000

RM 10,000

RM 15,000

 

3. Who is eligible to purchase PRUSimple Care – Breast Cancer Package?

You may purchase this plan if you are:

a) A user of Pulse by Prudential mobile application;

b) a Malaysian citizen currently residing in Malaysia; and

c) aged from 19 to 55 ANB (age next birthday).

 

4. How do I sign up?

Download latest Pulse by Prudential mobile application and create a Pulse account. Sign-in to your Pulse account and under ‘Home’ page -> Click the ‘PRUShoppe’ tab -> Click ‘PRUSimple Care – Breast Cancer Package to sign up.

 

5. How do I find out more about the features and benefits of PRUSimple Care – Breast Cancer Package?

Please refer to the Product Disclosure Sheet and Master Policy/Insurance Certificate for more details.

 

6. Is there a waiting period applicable for PRUSimple Care – Breast Cancer Package?

Yes, waiting period of:

- 60 days for Breast Cancer, Death due to cancer 

is applicable for the benefits under PRUSimple Care – Breast Cancer Package.

This means that the eligibility for the benefits under the Insurance Certificate will only start after the waiting period of each benefit from the commencement of your coverage.

 

7. What are the exclusions for PRUSimple Care – Breast Cancer Package?

Please refer to the Product Disclosure Sheet and Master Policy/Insurance Certificate for more details.

 

8. Can I buy PRUSimple Care – Breast Cancer Package from my Prudential agent?

No, this product is an online-self-purchase product sold by Prudential Assurance Malaysia Berhad (PAMB).

 

Premium and Charges

 

9. How much premium do I need to pay?

Kindly refer to the Product Disclosure Sheet for the premium for each plan. The premium payable is subject to the Insured Member’s entry age and plan chosen.

 

10. How can I pay the premium for the plan?

You may pay the premium for the plan via credit card, debit card, online banking or promo/referral code.

 

11. Is Sales and Services Tax (SST) chargeable for PRUSimple Care – Breast Cancer Package?

SST is not chargeable for PRUSimple Care – Breast Cancer Package.

 

12. Are there any additional fees and charges for this plan?

There are no additional fees and charges other than the premium indicated in the Product Disclosure Sheet.

 

13. Can I claim for tax relief on the premium paid for this plan?

The premium substance for PRUSimple Care – Breast Cancer Package is 100% Medical-Life Insurance.

 

Whether the premium paid is eligible for tax relief is subject to Malaysian's tax authority/law. Please refer to the relevant guideline issued by the Inland Revenue Board of Malaysia or consult your tax advisor to determine your eligibility for any tax relief.

 

Underwriting

 

14. Do I need to undergo any medical, health or financial assessments to buy PRUSimple Care – Breast Cancer Package?

You need not undergo any medical or health assessments to buy PRUSimple Care – Breast Cancer Package. However, Anti-Money Laundering (AML) assessment will apply and will be conducted by PAMB.

 

15. What happens if I wrongly / mistakenly declare wrong information?

When answering any question asked by us, you must disclose all relevant facts correctly. We reserve the right to verify the information and declarations provided by you and may avoid this policy if incorrect information is provided. Kindly refer to the contract for more details on Anti-Money Laundering (AML), Anti-Terrorism Financing and Proceeds of Unlawful Activities.

 

16. Can I purchase multiple PRUSimple Care – Breast Cancer Package policies?

No. Only one PRUSimple Care – Breast Cancer Package policy is allowed per one customer.

 

 

Policy Servicing

 

17. After I have purchased my policy, who may I contact for policy servicing?

You may perform policy servicing such as change of contact details and cancellation of policy in ‘My Coverage’ in the Pulse by Prudential mobile application. Please refer to Questions 19 and 20 for more details.

 

18. How do I receive my insurance certificate after purchase?

Once your sign-up has been successful, you will receive instant confirmation and will be able to view the contract in ‘My Coverage’ in the Pulse by Prudential mobile application.

 

19. How can I change my contact details?

You may change and update the address and contact details in the ‘Update Contact Details’ page in the Pulse by Prudential mobile application.

 

20. Can I cancel the policy after purchasing it?

You may choose to cancel your policy in ‘My Coverage’ in the Pulse by Prudential mobile application during the Free Look Period. If you choose to cancel your Policy after the Free Look Period, you will only be covered under the Policy until the Policy terminates. No cash value will be payable, and no premium paid will be refunded.

 

21. What is Free Look Period?

You may cancel your Policy in ‘My Coverage’ in the Pulse by Prudential mobile application within 15 days after the Policy has been delivered to you. We will refund you the premiums that you have paid in the payment method that you have selected during sign-up.

 

Nomination

 

22. 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 policy (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 your 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.

 

23. Who can I nominate as the beneficiary for my policy?

The person you can nominate is limited to your parent, sibling, spouse, child, grandparent, and grandchild. The beneficiary must be at least 18 years old and above.

 

24. How can I nominate a beneficiary for my policy?

You have the option to nominate a beneficiary during sign-up, otherwise you can update your Beneficiary in the ‘Update Beneficiary’ page in the Pulse by Prudential mobile application after sign-up.

 

Claims

 

25. How do I submit claims?

For a claim on Death Benefit or Death due to Cancer Benefit:

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

 

For a claim on Diagnosis of Breast Cancer Benefit:

You may also register a claim in the ‘Register Claim’ page in the Pulse by Prudential mobile application along with the supporting documents in ‘My Coverage’ page in the Pulse by Prudential mobile application.

 

26. What are the documents required when submitting a claim?

For a claim on Death Benefit or Death due to Cancer Benefit:

The beneficiary(s) 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 MyKad

5) Copy of Deceased's MyKad

6) Proof of Relationship between claimant and deceased where there is a nomination made in the policy:

- 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

7) Other supporting test/Laboratory Report: Biopsy, MRI, scan and investigation results (where applicable)

8) Police report being lodged within 24 hours of the incident. (For accidental death only)

 

For a claim on Diagnosis of Breast Cancer Benefit:

You are required to submit the following via Pulse by Prudential mobile application:

1) Front and back of NRIC image

2) Selfie image holding IC/NRIC verification

3) Copy of Critical Illness Claim (Doctor’s Statement for critical illness) - completed and signed by doctor who treated the Insured Member;

4) Laboratory Report: Histopathology Examination Report, Biopsy, MRI, scan and investigation results (where applicable)

 

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.

 

You can get the relevant claim forms from our corporate website at www.prudential.com.my, any Prudential branch near you, email your request to customer.mys@prudential.com.my or contact our Customer Service Hotline at 03 - 2116 0228 (Monday to Friday, 8.30am - 5.15pm)

 

27. How long will it take to process the claim?

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

  

My Feedback

 

28. How can I provide my feedback on Pulse app?

Under “Account” page -> Click “My Feedback”.

 

Termination

 

29. Under what circumstances will my policy terminate?

Your insurance certificate terminates automatically:

a) when the Insured Member dies;

b) when the insurance coverage of the Insured Member is cancelled, voided or terminated; or

c) on the last day of the Coverage Period of the Insured Member’s insurance certificate;

whichever happens first.

 

30. Will my policy terminate after I have submitted a claim?

Your policy will terminate upon a death or Death due to Cancer Benefit claim under the policy has been made during the policy term.

  

Coverage for Diagnosis of Breast Cancer Benefit will cease if the benefit amount stated in your insurance certificate has been fully paid out.

 

Please refer to the Product Disclosure Sheet and Master Policy/Insurance Certificate for more details.

 

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