Critical Illness

Critical Care Plus

80-condition coverage plus ICU, reconstructive and wellness benefits.

Critical Care Plus is an additional rider covering 80 critical illnesses, with extra benefits most plans don't have: ICU Shield, Reconstructive Care, a Wellness Bonus, and upgrade privileges.

ℹ️ This is a rider that attaches to a base plan such as PRUWith You Plus. Speak to Annabel to find the right combination for your needs.
Why this plan

Key Benefits

🏥

80 Conditions + Extras

100% of rider sum assured on diagnosis of 80 covered conditions, plus 10% (max RM25,000) for angioplasty.

🚨

ICU Shield Benefit

10% of sum assured (capped RM250,000) if admitted to ICU for 3 continuous days requiring essential life support.

💪

Reconstructive Care & Wellness

20% of sum assured for covered reconstructive surgery, and a 20% Wellness Bonus (entry age 50 and below).

Plan Highlights

  • Additional rider — claims don't reduce your life coverage
  • 80 late-stage critical illness conditions
  • ICU Shield Benefit: 10% of sum assured, payable once
  • Reconstructive Care Benefit: 20% of sum assured
  • Value-added services (case management, homecare) for SA RM250k+

Who is this for?

👤 Working professionals
👤 Parents
👤 Anyone building core CI protection
Good to know

Frequently Asked Questions

Both cover 80 conditions, but Critical Care is an accelerated rider (claims reduce life coverage) while Critical Care Plus is additional (claims paid on top), and adds ICU Shield, Reconstructive Care, Wellness Bonus and the Assurance Upgrade Privilege.
When the life assured is admitted into ICU for 3 continuous days in one admission and requires at least one listed essential life support. It pays 10% of the rider sum assured, capped at RM250,000, once per life.
A bonus of 20% of sum assured for entry age 50 and below — ask Annabel how it applies to your situation.

Product information is a summary for reference only. Benefits, terms and conditions are governed by the policy document. Ask Annabel for the full product disclosure sheet and a personal illustration.

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