PRUlady

A celebration of womanhood.

Women play special roles in life that we at Prudential recognise and celebrate. We also empathise with and understand the fact that women face uniquely female choices and health challenges.

Benefits

 
Plan 1 2 3 4
Basic Sum Assured RM25,000 RM50,000 RM75,0000 RM100,000
Death or Total and Permanent Disabilty (TPD)
100% of the Basic Sum Assured1
Female Related Illnesses Benefit
  1. Female cancer
  • Cancer of the breast, cervic uteri, fallopian tubes, ovary, uterus or vagina/vulva; or
  1. Systematic lupus erythematosus with Lupus nephritis
100% of the Basic Sum Assured1
  1. Female carcinoma-in-situ
  • Carcinoma-in-situ of the breast, cervix uteri, fallopian tubes, ovary, uterus or vagina/vulva
50% of the Basic Sum Assured, claimable once.
Sum assured bounce back feature for female carcinoma-in-situ: the reduced basic sum assured amount will be reverted to the original basic sum assured after 6 months from the diagnosis date of carcinoma-in-situ2.
Recovery Benefit
  1. Osteoporotic fracture
  2. Rheumatoid arthritis
  3. Facial reconstructive surgery due to cancer or accident
  4. Skin grafting due to burn or skin cancer
  5. Breast lumpectomy or mastectomy due to carcinoma-in-situ, cancer or accident
  6. Breast reconstructive surgery following a mastectomy due to carcinoma-in-situ, cancer or accident; or
  7. Surgical removal of female reproductive organ due to carcinoma-in-situ, cancer or accident.

30% of the Basic Sum Assured per claim

A maximum of 2 claims are allowed and only 1 claim per category applies.

Pregnancy Care Benefit
  1. Disseminated intravascular coagulation (after 7 months of pregnancy)
  2. Ectopic pregnancy
  3. Hydatidiform mole
  4. Eclampsia
  5. Late miscarriage (after 18th to 28th week of pregnancy)
  6. Death of foetus (after 28th week of pregnancy); or
  7. Death of child (within 30 days of birth)
10% of the Basic Sum Assured, claimable once. 
Baby Care Benefit
  1. Ventricular septal defect requiring surgery
  2. Atrial septal defect requiriing surgery
  3. Down's syndrome
  4. Spina bifida
  5. Tetralogy of fallot
  6. Cleft lip and/or cleft palate requiring surgery
  7. Transposition of the great vessels; or
  8. Patent ductus arteriosus requiring surgery
10% of the Basic Sum Assured, claimable once.  
Life Change Benefit
  1. Marriage
  2. Childbirth
  3. Buy a property
  4. Retirement; or
  5. Death of spouse

Subject to a maximum 9% of Basic Sum Assured; 

  1. 3% of Basic Sum Assured
  2. 3% of Basic Sum Assured per childbirth, claimable up to 3 times
  3. 3% of Basic Sum Assured
  4. Up to 9% of Basic Sum Assured; or
  5. Up to 9% of Basic Sum Assured
Money Back Benefit 
100% refund of total premiums paid is payable upon maturity (excluding extra premium charged for sub-standard life and service tax if applcable). 

Note:

  • This policy will terminate after you have made a claim on death, TPD, female cancer or systematic lupus erythematosus with lupus nephritis.
  • Upon death, TPD, female cancer or systematic lupus erythematosus with lupus nephritis, if the total premiums paid (excluding extra premium charged for sub-standard life and service tax, if applicable) is more than the Basic Sum Assured, we shall refund the total premiums paid (excluding extra premium charged for sub-standard life and service tax, if applicable) instead of Basic Sum Assured.
  • If death, TPD, female cancer or systematic lupus erythematosus with lupus nephritis occurs within 6 months from the diagnosis date for female carcinoma-in-situ, the payout will be reduced by 50% of the Basic Sum Assured. If death, TPD, female cancer or systematic lupus erythematosus with lupus nephritis after 6 months from the diagnosis date for female carcinoma-in-situ, the payout will be the benefit described above.
  • Claim on Recovery Benefit, Pregnancy Care Benefit, Baby Care Benefit and Life Change Benefit will NOT reduce the Basic Sum Assured.
  • Pregnancy Care Benefit and Baby Care Benefit will cease when the Life Assured reaches age 50.
  • All events are claimable once only under Life Change Benefit, except for childbirth. For Retirement or Death of Spouse Benefit, we shall pay 9% of the Basic Sum Assured less any life change benefits paid previously.

How It Works

What is PRUlady?
PRUlady is a regular premium non-participating life insurance plan that provides you with protection against the financial impact arising from female illnesses, death or disability up to expiry age of 70 years old. In addition, it also pays Life Change Benefit for various life events. Upon maturity, 100% of total premiums that you have paid (excluding extra premium charged for sub-standard life and service tax, if applicable) will be refunded to you. Furthermore, it protects all mothers-to-be against pregnancy complications and their child against congenital anomalies.
 
 
How much premium do I have to pay?
Premiums that you have to pay may vary by age and plan chosen, subject to underwriting. Please refer to the Product Disclosure Sheet and Sales Illustration for the premium payable during the policy term.
 
You must inform us of any change in occupation, avocation or sports activities because it may affect the premiums, terms, conditions and benefits.
 
 
How are the premiums paid?
Premiums shall be paid throughout the policy term. Premiums can be paid yearly, half-yearly, quarterly or monthly via auto debit, credit card, cash or cheque.
 
 
What are the fees and charges I have to pay?
A surrender charge will be levied if you surrender the policy before the end of the policy term. Please refer to the Sales Illustration for surrender charges and surrender values.

Who Can Apply

PRUlady is for females aged between 17 - 45 years old next birthday.

Optional Benefits

There are no optional benefits available for this plan.

Download Brochure

For further details on the product, please call 03-2116 0228, email us at customer.mys@prudential.com.my or contact your friendly Prudential Wealth Planner.

Important notes:
1.You should assess the affordability and suitability of the product (including optional benefits) in relation to your financial goals and risk appetite. To achieve this, we recommend you speak to your agent or Wealth Planner who will perform a needs analysis and assist you to make an informed decision.
2.This website is for illustrative purposes only. You are advised to refer to the Prudential Product Disclosure Sheet and Sales Illustration before purchasing a plan, and to refer to the terms and conditions in the policy document for details of the important features of the plan.
3.Buying life insurance policy is a long-term financial commitment. You must choose the type of policy that best suits your personal circumstances. You should read and understand the insurance policy and discuss with the agent/Wealth Planner or contact the insurance company directly for more information.