Prudential Total Multi Crisis Care

Prudential Total Multi Crisis Care provides coverage up to 160 conditions at critical illness at any stage & allows multiple claims up to 400% of the rider sum assured.

Prudential Total Multi Crisis CareCritical Illness Protection
Min Sum Assured
No. of Illness
Entry Age
14 days - 70 years
Max Cover Age
100 years
Early Stage Coverage

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What can I claim from this insurance policy?

  • Cancer
Major Organ Failure
  • End-stage Kidney Disease
  • Bone Marrow Transplant
  • Medullary Cystic Disease
  • Systemic Lupus Erythematosus With Lupus Nephritis
  • End-Stage Liver Disease
  • End-Stage Lung Disease
  • Fulminant Viral Hepatitis
  • Primary Pulmonary Arterial Hypertension
  • Chronic Aplastic Anemia
  • Terminal Illness
  • Major Organ Transplant
Heart Related
  • Heart Attack
  • Other Serious Coronary Artery Disease
  • Heart Valve Surgery
  • Surgery To Aorta
  • Severe Cardiomyopathy
  • Coronary Artery Bypass Surgery
  • Angioplasty And Other Invasive Treatments For Major Coronary Artery Disease
  • Artery Disease
Brain Related
  • Brain Surgery
  • Benign Brain Tumor
  • Coma
  • Alzheimer's Disease Or Irreversible Organic Degenerative Brain Disorders
  • Loss Of Independent Existence
  • Motor Neuron Disease
  • Multiple Sclerosis
  • Muscular Dystrophy
  • Paralysis Or Paraplegia
  • Parkinson's Disease
  • Progressive Scleroderma
  • Stroke
Infection Related
  • Bacterial Meningitis
  • Encephalitis
  • HIV Due To Blood Transfusion
  • Occupationally Acquired HIV
  • HIV Due To Infection
  • Full Blown AIDS
Accident Related
  • Major Burns
  • Major Head Trauma
Sensory Loss
  • Deafness Or Total Loss Of Hearing
  • Loss Of Speech
  • Blindness Or Total Loss Of Sight
Special Benefits
  • Surgery for Type 2 Diabetic Retinopathy
  • Amputation Due To Type 2 Diabetic Complications
  • Severe Diabetic Nephropathy Resulting In Kidney Failure
  • Appalic Syndrome
  • Poliomyelitis

Contact Info

Who do I contact for any inquiries?

Prudential Hotline


Minimum Entry Age
At least 14 days of age
Maximum Entry Age
At most 70 years of age
Maximum Renewal Age
At most 99 years of age
Coverage Expiry Age
At most 100 years of age

More Information

Tell me about Prudential Total Multi Crisis Care?

Total Multi Crisis Care is a comprehensive critical illness rider by Prudential Malaysia. 

It allows multiple claims on covered early critical illness (consist of early stage and intermediate stage) to late stage critical illnesses for up to 400% of the rider sum assured.

What are the unique features of this health insurance?

Prudential Total Multi Crisis Care offers you:

  • Comprehensive critical illness coverage that allows multiple claims up to 400% of the rider sum assured
  • Additional Special Benefit coverage on Diabetic Related Conditions and Joint Related Conditions
  • Re-diagnosis of 3 major critical illnesses coverage for: Cancer, Heart Attack and Stroke
  • Early to late stage critical illness coverages, ensuring that your dreams stay protected throughout all the stages

What are the benefits of Total Multi Crisis Care?

  • Early Critical Illness Coverage

Early detection and diagnosis of critical illnesses improve the chances of successful treatment. 

Total Multi Crisis Care provides coverage on 101 early critical illness conditions (covers both early stage & intermediate stage) that pays 50% of the rider sum assured upon diagnosis of the covered condition.

  • Late Stage Critical Illness Coverage

When someone is diagnosed with a life-threatening illness, the financial needs are greater than just the usual treatment cost. 

100% of the rider sum assured will be payable upon diagnosis of the covered late stage critical illness.

  • Multiple Claims of up to 400% of the Rider Sum Assured

Multiple claims are allowed on different stages (if applicable to the rider) of the critical illness category with a maximum of 100% of the rider sum assured for each critical illness category except for Cancer, Heart Attack, and Stroke which can be claimed twice. 

A maximum of 4 early critical illness claims is allowed subject to RM200,000 per life limit. 

  • Re-diagnosis of Cancer, Heart Attack and Stroke Coverage

Cancer, Heart Attack and Stroke are the most prevalent critical illnesses in Malaysia. 

The rider also pays benefit when one is diagnosed with subsequent Cancer, Heart Attack and Stroke before age 85, when it is unrelated to the first diagnosis. 

This means that rider covers up to 200% of the rider sum assured for critical illness category of Cancer, Heart Attack and Stroke. 

  • Additional Coverage for Special Benefit

20% of the rider sum assured is payable upon diagnosis of any one of the covered Diabetic Related Conditions and Joint Related Conditions.
This Special Benefit is payable once and will not reduce the rider sum assured.

Prudential Malaysia special COVID-19 coverage 

Prudential offers special coverage of RM5,000 lump-sump payout to those who are diagnosed with COVID-19 without additional cost, until 30 April 2020.

This coverage is applicable for all in-force individual policies/certificate Life Assured/Covered Person of Prudential Assurance Malaysia Berhad and/or Prudential BSN Takaful Berhad, except Group Policies/Certificate member.

There will be no extra cost, exclusion and the most important thing, a waiting period for this Special Coverage.

Therefore, those who just purchased the medical card are instantly covered and entitled to the lump-sump payout.

Please be noted that you must seek treatment at one of the 26 official designated hospitals:

1.Tengku Fauziah HospitalPerlis
2. Penang HospitalPenang
3. Sultanah Bahiyah HospitalKedah
4.Langkawi Hospital Kedah
5. Raja Permaisuri Bainun HospitalPerak
6. Sungai Buloh HospitalSelangor
7. Kuala Lumpur HospitalKuala Lumpur
8.Tuanku Ja'afar HospitalNegeri Sembilan
9.Melaka HospitalMelaka
10. Sultanah Aminah HospitalJohor
11.Raja Perempuan Zainab II HospitalKelantan
12.Kuala Krai HospitalKelantan
13.Tumpat HospitalKelantan
14.Sultanah Nur Zahirah HospitalKelantan
15.Tengku Ampuan Afzan HospitalPahang
16.Queen Elizabeth HospitalSabah
17.Sabah Women and Children HospitalSabah
18.Duchess of Kent HospitalSabah
19.Tawau HospitalSabah
20.Lahad Datu HospitalSabah
21.Keningau HospitalSabah
22.Labuan HospitalSabah
23.Sarawak General Hospital, KuchingSarawak
24.Miri HospitalSarawak
25.Bintulu HospitalSarawak
26.Sibu HospitalSarawak

To submit a claim, complete the claim form and include relevant supporting documents (investigation reports and medical reports completed by a treating doctor via PRUServe Plus) then send it to your Prudential Malaysia agent. Or, you can just walk-in to any Prudential branch.

If you have more than one policy or certificate, you can only claim once. You will receive the payment within 14 working days.

What is the benefit term for this Prudential insurance?

Expiry age of this Prudential insurance defaults to 100 age next birthday (ANB), subject to auto extension terms and conditions of the plan these riders attached.

Under Total Multi Crisis Care, can I claim for subsequent Cancer if they belong to different organ/site?

Yes, provided the diagnosis of the subsequent cancer is completely unrelated to the first cancer claim and occurs in a different organ or site and not a secondary spread (metastasis) of any previous cancer. 

The diagnosis for subsequent Cancer (for any stages) must be at least 3 years after the diagnosis on the first Cancer.

A new histopathology report for the subsequent cancer claim is required.

Under Prudential Total Multi Crisis Care, can I claim for subsequent Heart Attack or Stroke?

Yes, provided that the diagnosis of subsequent Heart Attack or Stroke is unrelated to the first Heart Attack or Stroke claim. 

The diagnosis for subsequent late stage Heart Attack or Stroke must be at least 1 year after the diagnosis on the first late stage Heart Attack or Stroke.

Unrelated events for subsequent Heart Attack or Stroke means they should not be on the same side or from the previous heart attack / stroke.

If there is muscle damage from a previous heart attack, the new heart attack must be in a different part of the heart, not the same side / same coronary artery as previously claimed. The doctor's report will clearly identify whether the subsequent heart attack is related to the previous claim.



This product summary is for illustrative purposes only. You are advised to refer to Prudential Assurance Malaysia Berhad (PAMB)’s Brochure, Product Disclosure Sheet, Product Illustration, and Fund Fact Sheet (if any) before purchasing the plan, and to refer to the terms and conditions in the policy document for details of the important features of the plan.