Prudential

Underwritten by Prudential Assurance Malaysia Berhad

Prudential Early Crisis Protector

A supplementary plan for the Prudential Early Crisis Defender. Claim up to 6 times for over early stage illnesses such as cancer, heart problems, and kidney failure.

    • 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 Early Crisis Protector

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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
      Not 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 19 years of age
    Maximum Age
    At most 70 years of age

    Frequently Asked Questions about Prudential Early Crisis Protector

    Things you might want to know

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

    This critical illness policy is catered to those who are concerned with having protection as soon as they are early signs of a major disease. You will need to purchase both Crisis Defender and Early Crisis Protector together to get maximum coverage with Prudential. Those who are between the ages of 19 and 70 years old, you will be eligible to sign up.

    What determines the amount of premium I have to pay?

    There are three things to be concerned with when deciding your premium amount - your age, gender, and status as a smoker. As long as you are ensured with the Prudential Early Crisis Protector, you will have to continue to pay premiums until the end of your policy term. You can pay for your premiums by auto debit, credit card, cash or by writing a cheque.

    How much can I be assured?

    Depending on your medical condition, the minimum sum you can be assured for falls between RM10,000 up to RM200,000.

    What Term Life Insurance can I supplement this policy with?

    You will not be able to attach this optional benefit with a Term Life Insurance. However, you can opt for an investment-linked policy to ride together with the Early Crisis Protector and Crisis Defender to earn profit while keeping yourself protected at the same time. This additional savings can again be used for future emergencies.

    Am I allowed to make multiple claims for the same illness?

    Yes, you will be able to make multiple claims, as long as it is for a higher severity within the same illness category, or a new claim for a different illness. Of course, the amount you wish to claim will have to be within your sum assured limit. To be completely clear, Prudential will NOT pay for subsequent claims of the same or lower severity within the same illness class.

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