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.
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.
PLEASE NOTE THAT THIS IS AN INSURANCE PRODUCT THAT IS TIED TO THE PERFORMANCE OF THE UNDERLYING ASSETS, AND IS NOT A PURE INVESTMENT PRODUCT SUCH AS UNIT TRUSTS.
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, Waiting Period 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.