Prudential

Underwritten by Prudential Assurance Malaysia Berhad

Prudential Crisis Defender

With the Prudential Crisis Defender, you will enjoy no waiting period, a maximum of 6 claims, and coverage for up to 85 major illnesses and medical conditions.

    • Income Tax Relief
    • Multiple Illness Claims
    • Early Stage Illness Payout
    • Investment-Linked Policy
    • Refund Within 15 Days Cancellation
    • RM10000 Minimum Sum Assured

Get protected now with Prudential Crisis Defender

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Contact Info

Who do I contact for any inquiries?

Prudential Hotline
  •  +60321160228
  • Coverage

    What can I claim from this insurance policy?

    Coverage Type 
    • Cancer

      Cancer

    • Major Organ Related Illnesses

      End Stage Kidney Failure
      Covered
      Medullary Cystic Disease
      Covered
      Systemic Lupus Erythematosus With Lupus Nephritis
      Covered
      End Stage Liver Failure
      Covered
      End Stage Lung Disease
      Covered
      Fulminant Viral Hepatitis
      Covered
      Primary Pulmonary Arterial Hypertension
      Covered
      Chronic Aplastic Anemia
      Covered
      Terminal Illness
      Not Covered
      Major Organ Transplant
      Covered
      Bone Marrow Transplant
      Not Covered

    • Heart Related

      Heart Attack
      Covered
      Other Serious Coronary Artery Disease
      Covered
      Heart Valve Surgery
      Covered
      Surgery To Aorta
      Covered
      Severe Cardiomyopathy
      Covered
      Coronary Artery Bypass Surgery
      Covered
      Angioplasty And Other Invasive Treatments For Major Coronary Artery Disease
      Not Covered
      Artery Disease
      Covered

    • Brain Related

      Brain Surgery
      Covered
      Benign Brain Tumor
      Covered
      Coma
      Covered
      Alzheimer's Disease Or Irreversible Organic Degenerative Brain Disorders
      Covered
      Disorders
      Not Covered
      Loss Of Independent Existence
      Covered
      Motor Neuron Disease
      Covered
      Multiple Sclerosis
      Covered
      Muscular Dystrophy
      Covered
      Paralysis Or Paraplegia
      Covered
      Parkinson's Disease
      Covered
      Stroke
      Covered

    • Infection Related

      Bacterial Meningitis
      Covered
      Encephalitis
      Covered
      HIV Due To Blood Transfusion
      Covered
      Occupationally Acquired HIV
      Not Covered
      HIV Due To Infection
      Not Covered
      Full Blown AIDS
      Covered

    • Accident Related

      Major Burns
      Covered
      Major Head Trauma
      Covered

    • Sensory Loss

      Deafness Or Total Loss Of Hearing
      Covered
      Loss Of Speech
      Covered
      Blindness Or Total Loss Of Sight
      Covered

    • Special Benefits

      Accidental Death
      Not Covered
      Death Or Total and Permanent Disability
      Not Covered
      Surgery for Type 2 Diabetic Retinopathy
      Not Covered
      Amputation Due To Type 2 Diabetic Complications
      Not Covered
      Severe Diabetic Nephropathy Resulting In Kidney Failure
      Not Covered
      Appalic Syndrome
      Covered
      Poliomyelitis
      Covered
      Surgical Repair Of Depressed Skull Fracture
      Not Covered

    Requirements

    Are you eligible to apply for this insurance?

    Minimum Age
    At least 1 years of age
    Maximum Age
    At most 70 years of age

    Frequently Asked Questions about Prudential Crisis Defender

    Things you might want to know

    Who is eligible to sign up for Prudential's Crisis Defender?

    Anyone from either gender who falls between the ages of 19 and 70 years old are eligible to get protection from the Prudential Crisis Defender.

    What makes this policy stand out?

    There will be a few special benefits when you compliment this product with the Early Crisis Protector. You will receive cover for diabetic complications relating to type 2 diabetic surgery for retinopathy, amputation and severe nepropathy resulting in kidney failure. Together, the Prudiential Crisis Defender and Early Crisis Protector will make sure that you have financial support when you are diagnosed for any one of 82 medical conditions.

    How much of my sum assured can I receive when I make a claim?

    For the little ones aged 1, 2, 3, 4 and 5 years old, the proportion of the Crisis Defender sum assured amount payable is 20%, 40%, 60%, 80%, and 100% when you are diagnosed with a critical illness. That means for someone above 5 years old, you can potentially receive 100% of your basic sum assured, subject to the severity of the illness.

    What are the main features of Prudential's Crisis Defender?

    First of all, the Crisis Defender is an optional rider designed to make a one time payment when you are diagnosed with any of the 36 critical illnesses.

    Any claims made on this policy will not affect the coverage of your basic plan.Together with the Early Crisis Protector, you will be widely covered for a range of 46 low and medium severity illnesses, conditions and medical procedures, and 36 high severity critical illnesses.You can also make claims on the same of different categories of illness for up to 6 times!

    In addition to this, there is no waiting period in between claims. Prudential will play your subsequent claims immediately if you are unfortunate enough to develop another critical illness or if your existing illness deteriorates further.

    Premiums: when, how much and how long?

    1. You will have to pay your premiums throughout the entire duration of the policy. 
    2. The premium that you will need to pay will largely depend on your age, gender and whether you are a smoker.
    3. You have the option of paying your premiums yearly, half-yearly, quarterly or monthly via auto debit, credit card, cash or cheque.

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