PRUSimple Care on Pulse The Traveller Package

Sum Assured	Lite Plan	Mid Plan	Advance Plan
Death Benefit	RM1,000	RM2,000	RM3,000
Total and Permanent Disability (TPD) Benefit	RM1,000	RM2,000	RM3,000
Death due to Accident Benefit	RM2,500	RM5,000	RM15,000
Accidental Medical Reimbursement Benefit	RM1,000	RM2,000	RM3,000
Premium rate	From RM24	From RM44	From RM66
	Note: Premiums above are for one year coverage.

 

Plan Features

 

1. What is PRUSimple Care – The Traveller Package?

PRUSimple Care – The Traveller 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 and Accidental Medical Reimbursement for a period of 12 months from the Commencement Date of the Insured Member’s insurance certificate.

 

2. What benefit does PRUSimple Care – The Traveller 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 2,000	RM 3,000
Total and Permanent Disability (TPD) Benefit(s):
Total and Permanent Disability (TPD) Benefit	In the event of Insured Member suffering from TPD, 100% of the sum assured will be payable.   Note: Payment of this benefit will reduce the Death Benefit.	RM 1,000	RM 2,000	RM 3,000
Accidental Benefit(s):
Death due to Accident Benefit	In the event of the Insured Member’s death due to any accident, 100% of sum assured will be payable.	RM 2,500	RM 5,000	RM 15,000
Accidental Medical Reimbursement Benefit	Reimburse the actual expenses incurred for medical treatment, hospital confinement or nursing services due to accident up to the sum assured chosen.	RM 1,000	RM 2,000	RM 3,000

 

3. Who is eligible to purchase PRUSimple Care – The Traveller 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 – The Traveller Package to sign up.

 

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

No waiting period is applicable for the benefits under PRUSimple Care – The Traveller Package

 

7. What are the exclusions for PRUSimple Care – The Traveller Package?

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

 

8. Can I buy PRUSimple Care – The Traveller 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 – The Traveller Package?

SST is not chargeable for PRUSimple Care – The Traveller 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 – The Traveller Package is 100% 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 – The Traveller Package?

You need not undergo any medical or health assessments to buy PRUSimple Care – The Traveller 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 – The Traveller Package policies?

No. Only one PRUSimple Care – The Traveller 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 Accident Benefit:

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

 

For a claim on Total and Permanent Disability (TPD) Benefit:

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

 

For a claim on Accidental Medical Reimbursement 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 Accident 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 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); and

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

 

For a claim on Total and Permanent Disability (TPD) Benefit:

For submission via Pulse by Prudential mobile application, claimant is required to submit the following:

1) Front and back of NRIC image;

2) Selfie image holding IC/NRIC verification;

3) Copy of Bank Passbook / Bank Account Statement (front page);

4) Total and Permanent Disability Medical Report - completed and signed by doctor who treated the customer to be assured; and
5) Other supporting test/Laboratory Report: Biopsy, MRI, scan and investigation results (where applicable)

 

For submission via Prudential branch, claimant is required to submit the following:

1) Duly completed Total Permanent and Disability Claim Form;

2) Total and Permanent Disability Medical Report - completed and signed by doctor who treated the customer to be assured; and

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

 

For a claim on Accidental Medical Reimbursement 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 ID/NRIC verification;

3) Copy of Bank Passbook / Bank Account Statement (front page);

4) Police report being lodged within 24 hours of the incident;

5) Duly completed Medical Claim Form;

6) Medical Claim (Doctor’s Statement) - completed and signed by doctor who treated the customer to be assured;

7) Original final bills/tax invoices with itemized breakdown details;

8) Original receipts including deposit receipts; and

9) Other supporting test/Laboratory 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 https://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 death or TPD claim under the policy has been made during the policy term.

  

Coverage for Accidental Medical Reimbursement Benefit will cease if the claim amount has exceeded the benefit amount stated in your insurance certificate.

 

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