The PRU Man & PRU Lady
Get up to 260% Gender Specific Coverage
Comprehensive coverage for
Choose Cash Rewards from 10 Life Milestones
We celebrate your meaningful life milestones and get rewarded up to 9% of your Basic Sum Assured when you achieve key life milestones such as marriage, job promotion, owning a property or a new car, travelling to 10 different countries, completing 3 fitness goals and more.
110% Total Premium Return
Live well and get 100% of total premium paid (TPP) at maturity. Additionally, receive 10% (TPP) before maturity as a retirement financial boost with Golden Cash Rewards and Money Back Benefit.
Wellness Care for Mental & Physical Well-being
Nurture your overall well-being with our Wellness Care coverage of up to RM5,000 for Mental Care & Severe Acne Diagnosis as we recognise the importance of maintaining emotional health & physical well-being.
Explore the scenario below to envision the extensive coverage you can get from PRUMan & PRULady plan.
More About PRUMan & PRULady
PRUMan and PRULady are non-participating insurance plans designed to offer protection against gender-specific illnesses, death, or Total and Permanent Disability (TPD) until the Policy Anniversary of age 70 next birthday. These plans provide comprehensive coverage, including benefits such as the Recovery Benefit, Wellness Care Benefit, Fertility Care Benefit, and cash rewards to celebrate significant milestones in your life. Additionally, upon policy maturity, the plans also provide a refund of the total premium paid.
| About Our Plan | |
| How much does it cost (your premium)? | Insurance premium will vary according to the amount of coverage, age, gender. Please contact us or click here for full premium rates. |
| How long will I need to pay premiums? | For individuals between the ages of 15 and 35, the policy is payable up to the age of 55. For individuals aged 36 and above, the policy is payable for a duration of 20 years. |
| How long does the coverage last? | Up to 70 years old. |
| How old must the life assured (the person covered by the policy) be when the policy starts? | 15 years old - 40 years old. |
| What's the minimum amount of coverage? | RM25,000 |
| What's the maximum life coverage? | RM300,000 |
All ages in this table are age next birthday (ANB)
Frequently asked questions
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What is gender-specific critical illness insurance?
This insurance covers critical illnesses that are specific to one’s gender. For women, this may include breast cancer, cervical cancer, uterine cancer etc., while for men, it might cover prostate cancer, testicular cancer, etc.
How do I file a claim for PRUMan & PRULady critical illness insurance?
To file a claim, submit the required medical documents, diagnosis reports, and a completed claim form. The process may include a review period before approval. Contact our team for more information on how to file a claim.
Are pre-existing conditions covered under this insurance?
Pre-existing conditions are usually not covered.
Is there a benefit cap for fertility treatment?
You can claim up to RM15,000 for fertility treatments. Fertility Care treatments under PRUMan and PRULady include oocyte/sperm cryopreservation due to cancer/CIS, in-vitro fertilisation (IVF) and intrauterine insemination (IUI) treatment.
Is there a difference in premiums between male and female policyholders?
Yes, as the risk factor for men and women are different.
What happens to my coverage if I miss a premium payment?
You usually have a grace period to make a late payment without losing coverage. If the premium is not paid within the grace period, the policy might lapse, resulting in a loss of coverage.
Are mental health treatments covered under this critical illness insurance?
PRUMan and PRULady are critical illness insurance that cover psychotherapy treatment or psychiatric visits due to depressive disorder and anxiety disorder.
Can I purchase this insurance if I have a family history of gender-specific illnesses?
Yes, you can purchase critical illness insurance even if you have a family history of gender-specific illnesses. However, this may affect premium rates, and coverage for certain conditions might be excluded based on your family medical history. It is crucial to disclose all relevant medical history information when applying for insurance to ensure proper coverage.
Does PRULady address pregnancy-related complications?
Yes, PRULady covers the following 12 pregnancy-related conditions:
- Disseminated intravascular coagulation (after 7 months of pregnancy)
- Ectopic pregnancy
- Hydatidiform mole
- Eclampsia
- Death of foetus (after 13th week of pregnancy)
- Death of the life assured’s child (within 30 days of birth)
- Abruptio Placentae
- Amniotic fluid embolism
- Acute fatty liver of pregnancy
- Postpartum haemorrhage requiring hysterectomy
- Pulmonary embolism of pregnancy
- Placenta increta/precreta
