Stop the Domino Effect of

Serious Illness
PRUAll Care
Total Care Before & Beyond
Critical Illness Insurance
Listening. Understanding. Delivering.

The benefit(s) payable under eligible certificate/policy is(are) protected by

Perbadanan Insurans Deposit Malaysia (“PIDM”) up to limits. Please refer to
PIDM’s Takaful and Insurance Benefits Protection System (“TIPS”) Brochure
or contact Prudential Assurance Malaysia Berhad or PIDM
(visit www.pidm.gov.my).

Prudential Assurance Malaysia Berhad 198301012262 (107655-U)

Member of PIDM
When serious illness strikes, survival is just the beginning. The road to recovery is
long, and many overlook the domino effect that comes with it – the loss of income,
mental breakdown, and physical struggles.

But it does not have to be for the worse. Let the pieces fall in your favour with
PRUAll Care, our revolutionary plan that cares for you beyond Critical Illness
coverage. Besides Early to Late Stage coverage, PRUAll Care takes protection to a
whole new level, equipping you with additional benefits including post surgery
recovery, intensive care with essential life support, and mental health to help you
stand strong against serious illness.

It's the total package for those serious about planning ahead and getting the most
out of life.

Get back up with PRUAll Care – Total Care Before & Beyond.

Comprehensive
Covers up to
Critical Illness
190 Conditions
Coverage

Post Surgery
Recovery Benefit
Mental Health and Intensive Care
Coverage Support Benefit
to Get Protected
Beyond the List

Continuous
Compassionate
Protection with
Benefit upon Death
Waiver Riders
 Covers up to Get coverage against 190 conditions from Early to Late Stage,
Special Benefit, Juvenile CI Benefit as well as Mental
190 Conditions Health Coverage.

Early Critical Illness Late Stage Special Juvenile CI Mental Health

(consists of Early Stage Total
and Intermediate Stage) Critical Illness Benefit Benefit Coverage

107 + 64 + 6 + 6 + 7 190
conditions conditions conditions conditions conditions conditions

Comprehensive Comprehensive Critical Illness coverage against 183 conditions

across Early, Intermediate and Late Stages, as well as Special
Critical Illness
Benefit and Juvenile CI Benefit is offered under Total Multi Crisis
Coverage Care 2 (TMCC 2). You will receive a lump sum payment upon
diagnosis of any of the covered Critical Illnesses to help you
cover expenses beyond medical costs.
Multiple claims up to 400% of Basic Sum Assured (BSA) are
allowed for different stages of Critical Illness:
• Early Critical Illness (consists of Early Stage and Intermediate
Stage)1: 50% of BSA will be payable upon diagnosis.
• Late Stage Critical Illness: 100% of BSA will be payable
upon diagnosis.
• Re-diagnosis2 coverage for 3 major Critical Illnesses – Cancer,
Heart Attack and Stroke.
There’s more:
• Special Benefit3 with 20% of BSA for diabetic or joint related
conditions.
• Juvenile CI Benefit4 with 20% of BSA is payable upon diagnosis of
any covered Juvenile Critical Illnesses.

Mental Health Break the cycle of mental breakdowns with Mental Health
coverage to support 7 conditions, for adults and children.
Coverage
• Mental Health Benefit5: 20% of BSA or up to
RM100,000 per life will be payable if diagnosed with any one
of the conditions below:
o Severe Major Depressive Disorder (Severe MDD)
o Schizophrenia
o Bipolar Disorder
o Severe Obsessive-Compulsive Disorder (Severe OCD)
• Juvenile Mental Health Benefit6: 20% of BSA or up to
RM25,000 per life will be payable if diagnosed with any one of
the conditions below:
o Severe Autism Spectrum Disorder (Severe ASD)
o Tourette Syndrome (TS)
o Attention-deficit Hyperactivity Disorder (ADHD)
1A maximum of 4 Early Critical Illness claims are allowed subject to RM350,000 per life limit. Only 1 claim is payable for each stage of the Critical Illness
Category and maximum benefit payable for all stages under one Critical Illness Category is 100% of BSA, except for Cancer, Heart Attack and Stroke.
2Claimable up to 200% of BSA for each category of Cancer, Heart Attack and Stroke.
3Special Benefit are payable once per lifetime, subject to RM100,000 per life limit.
4Juvenile CI Benefit is payable once per lifetime, subject to RM100,000 per life limit. This benefit will expire on Policy Anniversary of age 19.
5Mental Health Benefit is payable once per lifetime, subject to RM100,000 per life limit. This benefit starts from Policy Anniversary of age 19 and will expire
on Policy Anniversary of the age 80 or expiry date of the policy, whichever is earlier.
6Juvenile Mental Health Benefit is payable once per lifetime, subject to RM25,000 per life limit. This benefit will expire on Policy Anniversary of age 19.
 Post Surgery Don’t let the hidden costs of serious illness bring you down.
Get a lump sum payment as an income replacement for
Recovery recovery from surgery or admission to Intensive Care Unit (ICU),
Benefit and for health issues beyond Critical Illnesses.
Intensive Care • Post Surgery Recovery Benefit7: 20% of BSA will be payable if
Support Benefit Surgery is performed and a continuous hospitalisation for 3
to Get Protected days post surgery is required.
Beyond the List • Intensive Care Support Benefit8: 20% of BSA will be payable
for 6 days of continuous stay in ICU with Essential Life
Support9.

Compassionate Lump sum payment of 20% of BSA or the surrender value,

whichever is higher, will be payable in the unfortunate event
Benefit upon of death10.
Death

Continuous With the following waiver riders, all future premiums will be
waived.
Protection with
Waiver Riders • PRUWaiver Plus: Upon Life Assured’s Total and Permanent
Disability (TPD)11 or upon diagnosis of any of the covered
42 Critical Illnesses.
• Spouse Waiver Plus or Parent Waiver Plus: Upon spouse’s or
parent’s death, Total and Permanent Disability (TPD)11 or
upon diagnosis of any of the covered 42 Critical Illnesses.

7Post Surgery Recovery Benefit is payable up to 5 times per life, subject to RM25,000 per event per life, with 1 year waiting period between claims
based on the surgery date.
8Intensive Care Support Benefit is payable once per lifetime, subject to RM500,000 per life limit.
9The admission to an ICU and need for Essential Life Support should be deemed Medically Necessary to sustain the life of the Life Assured. Admission
to High Dependency Unit (HDU) is not covered.
10The Compassionate Benefit will be payable upon death of Life Assured, and the total benefits received may be less than the total amount of
premium that you have paid.
11Prior to the Policy Anniversary of age 70.
 Diana, at the age of 30,
purchases PRUAll Care with
HOW DOES
PRUAll Care
coverage of RM100,000 to
cover her until age 80,
paying a monthly premium
of RM205.
WORK?
Diana is involved in an accident. She receives a payout of
She undergoes major surgery RM20,000 under Post
At age and stays in the ICU for 7 days Surgery Recovery Benefit,
33 with Mechanical Ventilation and RM20,000 under
(one of the Essential Life Intensive Care Support
Support). Benefit.

Diana is diagnosed with early She receives a payout of

stage breast cancer. She RM50,000 under Early
At age
undergoes surgery and is Stage Critical Illness
35 hospitalised for 4 days. coverage, and RM20,000
under Post Surgery
Recovery Benefit.

Diana has surgery that requires She receives a payout of

cardiac pacemaker insertion. RM50,000 under Early
At age
At the same time, she is Stage Critical Illness
40 diagnosed with Severe Major coverage, and RM20,000
Depressive Disorders (Severe under Mental Health
MDD) and receives treatment. Benefit.

Diana is diagnosed with a joint She receives a payout of

related condition. RM20,000 under Special
At age Benefit.
65

Diana has a heart attack. She receives a payout of

RM100,000 under Late
At age Stage Critical Illness
75 coverage.

Diana passes away. Her loved one will receive

RM20,000 or the surrender
At age value, whichever is higher,
79 under Compassionate
Benefit.

Monthly premium quoted is for illustrative purposes only and based on age 30, Female Non-Smoker, Credit Card.
 For more information, visit our website at www.prudential.com.my or
contact one of our friendly Prudential Wealth Planners. We’re always here to help.

Important Notes & Disclaimers

• PRUAll Care is a regular premium non-participating insurance plan underwritten by Prudential Assurance Malaysia Berhad
(“PAMB”) 198301012262 (107655-U), which is licensed under the Financial Services Act 2013 and is regulated by
Bank Negara Malaysia.
• Premium rates in respect of basic plan for the Compassionate Benefit payable upon death are guaranteed whereas rates
for other benefits and optional riders (if any) are not guaranteed and we reserve the right to revise them by giving at least
90-day prior notice before taking effect on the following Policy Anniversary. The premium rates for PRUAll Care are
illustrated in Prudential’s corporate website at www.prudential.com.my.
• In the event of revision of the premiums, we will also provide you the following options:
a) You may pay the same premium but there will be a reduction to the amount of benefit for all benefits; or
b) You may remove Total Multi Crisis Care 2, Post Surgery Recovery Benefit, Intensive Care Support Benefit, Mental Health
Benefit, and Juvenile Mental Health Benefit (if applicable). Should you decide to take this option, we shall change the
premium payable to cover Compassionate Benefit only, based on the guaranteed premium amount.
In the event of (a) or (b) above, we shall notify you of the changes and for event (b), pay you the surrender value (if any)
due to changes in benefits. The new premium payable, benefits and surrender value (whichever is applicable) shall take
effect on the next Policy Anniversary from the date we receive your notification.
If your policy is attached with waiver rider, you may be required to increase the sum assured for the waiver rider due to
increase in premium. When your policy is under waiver claim, you are required to pay the additional premium amount that
is not covered by the company to ensure continuous insurance coverage throughout the policy term.
• Buying life insurance is a long-term financial commitment. You should satisfy yourself that the policy (including riders) will
best serve your needs and that the premium payable under the policy is an amount that you can afford. To achieve this, we
recommend that you speak to your Prudential Wealth Planner who will perform a needs analysis and assist you in making
an informed decision. You may also contact the insurance company directly for more information.
• This leaflet contains only a brief description of the product and is not exhaustive. You are advised to refer to the PRUAll
Care Product Disclosure Sheet and Sales Illustration before purchasing a policy. Please note that there are exclusions
applicable to each respective benefit. Please refer to the Product Disclosure Sheet, Sales Illustration and Policy Document
for the full list of benefits, exclusions, waiting period, survival period and other terms and conditions under the policy.
• There is a free-look period of 15 days after the date of delivery of the policy to allow you to review if it meets your needs.
If the policy is cancelled within this period, we will refund you the premiums and taxes (if any) that you have paid less
medical expenses (if any) that we may have already paid or agreed to pay.
• Any age references shall be on the basis of Age Next Birthday.
• In the event that you do not pay your premium due within one month of grace period, then the amount of cash value
available will be used to pay for your premium through Automatic Premium Loan at the prevailing interest rate, as
determined by PAMB. If cash value is insufficient to pay for such outstanding premiums or other debts with PAMB,
then the policy will lapse.
• You can surrender the policy at any time. However, if you terminate the policy in the early years, you may get back less than
the amount you have paid in. Upon surrender, a surrender value will be payable and all the benefits under this policy will
be terminated.
• PRUAll Care is not a Shariah-compliant product.
• If there is any conflict or inconsistency between the English language, Malay language and Chinese language versions of
this leaflet, the English language version of this leaflet shall prevail and be given effect to.
01/2024

Prudential Assurance Malaysia Berhad 198301012262 (107655-U) Tel: 03-2771 0228, 03-2116 0228
Level 20, Menara Prudential, Persiaran TRX Barat, Email: customer.mys@prudential.com.my
55188 Tun Razak Exchange, Kuala Lumpur, Malaysia. Website: www.prudential.com.my