Prudential PRUwealth

Get 4x the coverage with this policy that will cover you against, Death, Total and Permanent Disability, as well as 14 Infectious Diseases.

Prudential PRUwealth
Increasing Sum Assured
Min Sum Assured
Entry Age
19 years - 70 years
Max Coverage
100 years
No Lapse Benefit


Cover Term
Protection up to age 100
Premium Type
Progressive rate. Increases as you age.
Loyalty Bonus
Up to RM500 awarded once every 2 years starting from the 10th Policy Year onwards
Income Tax Relief
Up to a maximum of RM3,000 a year.


How will Prudential help to secure your family's financial future?

Main CoverageCoverage PeriodAm I Protected?
  • from 19  years old
  • Yes , up to 100% sum insured  
Accidental Death
  • from 19 up to 70  years old
  • Yes , up to 200% sum insured  
Public Conveyance Death
  • from 19 up to 70  years old
  • Yes , up to 300% sum insured  
Total and Permanent Disability (TPD)
  • from 19 up to 70  years old
  • Yes , up to 100% sum insured  

Enjoy the full benefits of your insurance plan with great add-on coverage

Add-on CoverageAm I Protected?
Critical Illness Coverage
Hospital Cash Benefit

How to Claim

Who do I contact if I have a question or emergency?

Prudential Customer Care Hotline


Minimum Entry Age
At least 19 years of age
Maximum Entry Age
At most 70 years of age
Coverage Expiry Age
At most 100 years of age

More Information

What is PRUwealth?

When we hear and see tragedy happening to other people we might or might not know, we start to give a little more thought into protecting our family when tragedy unexpected strikes. PRUwealth helps you to provide financial security by leaving a legacy of protection for your family. 

PRUwealth helps you to protect your legacy by providing the flexibility to have insurance protection up to the age of 100. In addition to being flexible, this insurance plan allows you to add on optional riders such as critical illness riders and payor riders. 

What's more, you can enjoy extensive insurance coverage up to 4X the coverage and PRUwealth further rewards you with Loyalty Bonus and Loyalty Booster.

Insurance Coverage up to 4X Coverage?

PRUwealth offers up to 4X the insurance coverage amount:

1XPays 100% of the coverage amount upon death or Total and Permanent Disability (TPD)*
2XPays 200% of the coverage amount upon death due to accident*
3XPays 300% of the coverage amount upon death due to accident* from commuting in
public conveyance, an elevator car or due to fire while in public building
4XPays 400% of the coverage amount upon death due to accident* occurring outside of Malaysia

Important to note that Total and Permanent Disability (TPD) and Accidental Death coverage is available prior to the Policy Anniversary Date of age 70.

What About Infectious Diseases?

There are 2 categories of covered infectious diseases. Multiple claims can be made under each category, provided that each infectious disease is only claimable once.

Category A
for each diagnosis)
Hand, Foot and Mouth Disease
Chikungunya Fever
Typhoid Fever
Category B
for each hospitalisation)
Zika Virus
Influenza A - Avian Influenza A (H7N9) & A(H5N1)
Nipah Virus Encephalitis
Japanese Encephalities
Creutzfeldt-Jakob Disease

What are Loyalty Rewards?

PRUwealth rewards you with Loyalty Bonus of RM500 once every 2 years starting from the 10th year anniversary of your policy onwards. A further one-off Loyalty Booster which is equivalent to 8% of the Sum Assured will be paid to you when you reach 70, 80 or 90 depending on your entry age.

Loyalty Bonus is equivalent to RM100 per RM100,000 of Sum Assured. Both Loyalty Bonus and Loyalty Booster are dependent on the Sum Assured.

What are the Premium Payment Terms?

You have the flexibility to control your premium payment terms of 5 years, 10 years, 20 years or throughout the policy term. PRUwealth also lets you take full control in adjusting your premium amount or making single premium top-ups.

How Do I Enjoy Continuous Coverage up to age 100?

Your policy must have sufficient account value to cover the various fees and charges as these are deducted from the account value. You can however ensure that you have sufficient account value by paying additional premiums. In doing so, you can have continuous coverage up to age 100.

Who Can Take Up PRUwealth?

PRUwealth is available to anyone aged 19 to 70 years old. The value of units in the policy will be paid out to you upon maturity or surrendering.

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