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.