Critical Illness

PRUMy Critical Care

A complete critical illness solution — built around your needs, not a one-size-fits-all plan.

PRUMy Critical Care is a solution, not a single rider: it combines PRUWith You Plus as the base plan with your choice of critical illness riders — Total Multi Crisis Care, Critical Care Plus, Critical Care, Essential Cancer Care and Essential Child Plus. You pick the protection tier that fits your life and budget.

Why this plan

Key Benefits

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Three Protection Tiers

Essential (affordable, specific needs), Enhanced (grows with your responsibilities) or Comprehensive (160 conditions, multiple claims) — mix riders to match your stage of life.

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Expert Care at Every Stage

Case Management Service: second medical opinions from 50,000+ top experts, personalised physician case managers and specialist matching (rider sum assured RM250,000 and above).

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Homecare Programme

Recovery support at home — trained nurses, caregivers, ADL assistance and family caregiving training, with a voucher worth 8% of your rider sum assured (up to RM25,000).

Plan Highlights

  • Choose from 5 CI riders on a PRUWith You Plus base plan
  • Coverage options from cancer-focused up to 160 conditions
  • Assurance Upgrade Privilege: +50% coverage at life milestones without underwriting
  • Case Management and Homecare value-added services (SA RM250k+)
  • Components can be bought separately — no obligation to take the full package

Who is this for?

👤 Working professionals protecting their income
👤 Parents with dependants
👤 Anyone building CI protection from scratch
Good to know

Frequently Asked Questions

No — it's a packaged solution: PRUWith You Plus as the base plan plus a selection of critical illness riders (Total Multi Crisis Care, Critical Care Plus, Critical Care, Essential Cancer Care, Essential Child Plus). You choose which components to include.
Essential Cancer Care or Critical Care for affordable, focused protection; Critical Care Plus for 80 conditions with ICU and reconstructive benefits; Total Multi Crisis Care for the most comprehensive cover — 160 early-to-late-stage conditions with multiple claims up to 400%. Annabel can tailor the mix to your budget.
At life milestones (childbirth, marriage, income doubling, buying a property over RM500k, or a child's school enrolment), you can increase your rider coverage by up to 50% of the sum assured — capped at RM300,000 — without medical underwriting. Exercisable once per policy in the first 10 rider years, before age 50.

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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Critical Illness

Total Multi Crisis Care

Comprehensive coverage for 160 conditions — without touching your life coverage.

Learn more → Critical Illness

Critical Care Plus

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

Learn more → Life & Protection

PRUWith You Plus

A life plan that grows with you — and extends to your loved ones too.

Learn more →

Ready to secure your future?

Get a personalised recommendation — no pressure, no jargon. Annabel will walk you through exactly what fits your life and budget.

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