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:
| 1X | Pays 100% of the coverage amount upon death or Total and Permanent Disability (TPD)* |
| 2X | Pays 200% of the coverage amount upon death due to accident* |
| 3X | Pays 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 |
| 4X | Pays 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 (RM5,000 for each diagnosis) | Measles Hand, Foot and Mouth Disease Chikungunya Fever Typhoid Fever Rabies |
| Category B (RM10,000 for each hospitalisation) | Zika Virus MERS-CoV Ebola SARS Influenza A - Avian Influenza A (H7N9) & A(H5N1) Nipah Virus Encephalitis Japanese Encephalities Creutzfeldt-Jakob Disease Malaria |
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.
