Prudential

Underwritten by Prudential Assurance Malaysia Berhad

Prudential PRUessential Wellness

Be entitled to multiple claims and no waiting period. Receive a FREE heath screening voucher every 2 years to help you keep proper track of your health condition.

    • Income Tax Relief
    • Multiple Illness Claims
    • Early Stage Illness Payout
    • RM50000 Minimum Sum Assured

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
      Not Covered
      Systemic Lupus Erythematosus With Lupus Nephritis
      Not Covered
      End Stage Liver Failure
      Covered
      End Stage Lung Disease
      Covered
      Fulminant Viral Hepatitis
      Not Covered
      Primary Pulmonary Arterial Hypertension
      Not Covered
      Chronic Aplastic Anemia
      Not 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
      Covered
      Artery Disease
      Covered

    • Brain Related

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

    • Sensory Loss

      Deafness Or Total Loss Of Hearing
      Covered
      Loss Of Speech
      Not 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
      Covered
      Amputation Due To Type 2 Diabetic Complications
      Covered
      Severe Diabetic Nephropathy Resulting In Kidney Failure
      Covered
      Appalic Syndrome
      Not Covered
      Poliomyelitis
      Not 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 65 years of age

    Frequently Asked Questions about Prudential PRUessential Wellness

    Things you might want to know

    What do I need to know about the Prudental PRUessential Wellness?

    You could have all the wealth in the world, but that certainly doesn't mean much if you do not have your health to to compliment it. So, what exactly makes this plan stand out from everyone else?

    For starters, PRUessential Wellness has you covered from the start; during the early stages of any of the serious illnesses - which takes advantage over many critical illness insurance plans which only pay out either when you are hospitalised or are in the very late, often terminal stages of your illness.

    PRUessential Wellness also offers you a free health screening voucher worth RM500 every 2 years, further increasing your chances of spotting a potential illness before it's too late. However, to be safe we suggest that it is good practice to get yourself checked at least once every year!

    Who is eligible to subscribe to this plan?

    This plan is available for anyone aged 19 to 65 years old, regardless of gender. 

    I smoke on a regular basis, will I have to pay a higher premium?

    Well, yes. Smoking has been closely tied to many serious illnesses such as lunch cancer, heart disease, stroke and emphysema which in turn translates into you paying a higher premium regardless of your gender.

    How much can I be insured for?

    The sum assured (the the amount of money your policy guarantees to pay up) depends on the plan you subscribe to, ranging between RM50000 to RM200000.

    Are there any special benefits offered by this policy?

    Yes there are! PRUessential Wellness offers an additional lump sum payment if you are diagnosed with specified heart/artery or diabetic related conditions. This amount ranges from RM5000 to RM20000 depending on which plan you opt for.

    Can I make more than one claim with this policy?

    Yes, you can do this as long as your entire sum assured has not been fully paid from your previous claim. You are allowed to continue to claim up to 4 different serious illnesses and 1 special benefit.

    Even better, if your illness becomes worse or if you develop other serious illnesses, Prudential promises to pay your subsequent claims immediately since there is no waiting period between claims.

    What Term Life Insurance can I supplement this policy with?

    The life insurance policies that can be supplemented to this policy are PRUmortage, PRUterm, PRUvalueplus, PRUvantage, PRUlife ready, PRUlink one, PRUlink million, PRUmultiple crisis cover, PRUmy child and PRUsenior med. 

    Women can also opt to subscribe to PRUlady which provides both life and critical illness coverage.

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