PRUlink one

Investment Linked Plan - Do more with just one plan.

A comprehensive all-in-one regular premium investment-linked insurance plan that provides protection together with local and overseas investment opportunities that can cater to your changing needs at different stages of your life.

Benefits

COMPREHENSIVE MEDICAL OPTIONS

Not only does PRUhealth reward you with No Claims Bonus (NCB), you now have a choice of deductible (the fixed amount you must pay out of the total medical fees, except cost of daily room & board for any one disability during a 90-day period) of RM3,000 and RM10,000 other than the default coinsurance option. You can then continue to build your
PRUhealth plan with these new benefits:
 
a) PRUmedic overseas: In addition to comprehensive coverage for hospitalisation and surgical expenses under your PRUhealth plan, you now have the option of obtaining overseas medical treatment for 5 types of covered conditions in Singapore, Hong Kong and China.
 
b) PRUmedic auto upgrade:  With this new option, your plan will be upgraded to the next benefit level on the 5th and 10th year rider benefit anniversary regardless of your health condition and any previous medical claims you may have made. This upgrade will follow the policy terms and conditions at the start or as and when it is attached to your PRUhealth plan.
 
For further details please refer to the PRUhealth product brochure.

 

ENHANCED ACCIDENT BENEFITS for extra protection

Let the new and enhanced accident benefits give you that additional coverage with: 
 
PRUacci guard: Should you be involved in an accident, you will be covered with:
  • Compassionate Allowance
  • Accidental Death & Disablement Benefit 
  • Double indemnity or double the benefit if the accident occurs when you travel in public transport, in an elevator (excluding elevators in mines and construction sites) or is in a burning theatre, hotel or public building. 
     
 
PRUacci med: For injuries caused by accidents, the following expenses are amongst a few that will be reimbursed:
  • Medical treatment, hospital confinement or nursing services
  • Medical expenses to treat an injury caused by an accident by a Traditional and Complementary Medicine Practitioner (a licensed acupuncturist / herbalist / bonesetter / chiropractor)
  • Return air ticket for one immediate family member to visit you if admitted to an overseas hospital for 10 days or more, and a one-way ticket for you to return to Malaysia immediately after hospitalisation
  • Reimbursement of reasonable cost of purchasing a wheelchair if you become permanently paraplegic or artificial limb (prosthesis)
     
 
PRUacci income: If you are admitted to hospital, you will receive: 
  • Weekly income of RM100 and RM50 for Temporary Total Disablement and Temporary Partial Disablement respectively
  • Daily income of RM50 a day when admitted to a Malaysian government hospital 

 

BROADER INVESTMENT OPPORTUNITIES through LOCAL and GLOBAL FUNDS

Have the flexibility to build a healthy investment fund for potentially higher returns over the long term by choosing to invest in any of the PRUlink and PRUlink global funds. For further details, please refer to the PRUlink and PRUlink global Fund Fact Sheet.

 

LOYALTY BONUS for being a long-term customer

At Prudential, we want to reward our customers who pay their premium on a timely basis by giving 5% of annualised premium (excluding premiums for top-ups and PRUsaver) upon completion of the 10th policy year and every 3 years thereafter.

 

FLEXIBILITY, CONVENIENCE and CONTROL over your plan

PRUlink one gives you control and flexibility to vary and customise your protection and investment needs to suit all stages of your life! Don’t hesitate and speak with your friendly Prudential Wealth Planner whenever your circumstances or needs have changed.
 
1 Optional covers are subject to underwriting, additional premium and subject to policy terms and conditions
2 Cannot co-exist with PRUannual limit waiver and vice versa
3 Subject to terms and conditions

 

How It Works

HOW DO I START?

First, determine your protection needs, such as your basic cover and other optional benefits. Then decide on an affordable amount to set aside every month. With PRUlink one, you can start securing your future for as little as RM100 a month (subject to underwriting, excluding premiums paid for PRUsaver and subject to policy terms & conditions).

 

WHAT WILL I RECEIVE?

1) Health & Medical Covers
Get peace of mind with comprehensive medical coverage for expenses incurred in the event of hospitalisation via the PRUhealth plan.
To further enhance your medical protection, you can now attach these new optional benefits:
  • PRUmedic overseas
  • PRUmedic auto upgrade

For further details on the new optional medical benefits above, please refer to the PRUhealth product brochure.

 
2) Accident Covers
Get comprehensive coverage for death and injuries due to accident.
New and enhanced PRUacci guard (PAG), PRUacci med (PAM)and PRUacci income (PAI) will help elevate your worries from the accident so that you can recover from your injuries without any unwanted distraction.
 
3) Critical Illness Covers
Takes care of you in the event you are diagnosed with a critical illness such as Multiple Crisis Protector, Crisis Shield and Crisis Shield Plus.
 
4) Payor Covers
Pays for your plan in the event of death (if applicable), disability or critical illness on behalf of the payor of the plan be it yourself or your spouse.
 
5) Disability Covers
Takes care of you in the event of any disability by helping you cover your expenses though annual payouts on each subsequent policy anniversary prior to the age of 70 years.
 
6) Female Illness Covers
Tailor-made coverage especially for women.
 
 
Upon death
 
The sum of:
a) sum assured, and
b) value of units in the account
 
Total & Permanent Disability (TPD)
 
Subject to RM4 million per life on the sum assured
 
In the event of TPD before age 70 years, the sum assured is payable subject to a maximum lump sum of RM1 million.
The balance of the sum assured will be paid upon the first anniversary of the disability1. Upon earlier death, the balance of any sum assured will be paid immediately together with the value of units in the account.
 
Please refer to the policy document for the definitions of TPD
 Upon Maturity
 
Value of units in the account is payable when you reach the age of 100 years on your next birthday.
Upon Surrender of Policy
 
Value of units in the account at the point of surrender. 

 

 1Subject to proof of continued disability.

 

HOW LONG DO I NEED TO PAY MY PREMIUMS FOR?

Premium is payable for the whole policy term until expiry of the policy. Upon expiry of any optional or add-on benefits, the premium will be reduced accordingly. 

 

HOW MUCH PREMIUM DO I NEED TO PAY?

The minimum premium payable per year is as follows:

  Minimum  premium per year
PRUlink one
RM1200 (subject to underwriting)
PRUsaver RM120

 You may top-up your premium with a minimum of RM500 or choose to increase your level of investment by purchasing PRUsaver, of which 95% of the premium will be invested into the funds for as little as RM10 a month.

 
 

PREMIUM ALLOCATION

Your premium paid is allocated to buy units in the PRUlink or PRUlink global funds as per the table shown below. For more information on these funds, please refer to the PRUlink or PRUlink global Fund Fact Sheet (if applicable).
 
Example:
Assuming your monthly premium for PRUlink one and PRUsaver each is RM200; your monthly premium allocation will be as follows:
 

Policy Year
1
2
3
4
5
6
Above 6
PRUlink one  Premium Allocation Rates*
40%
50%
60%
70%
90%
90%
100%
Premium invested**
RM80
RM100
RM120
RM140
RM180
RM180
RM200
PRUsaver Allocation Rates
95%
Premium Invested**
RM190

* The premium allocation rate shown above is applicable for policies with term of 20 years and above. For term of less than 20 years, the premium allocation will be higher. 
** Before deduction of service charge and insurance charges.

 

PREMIUM PAYMENT

Premiums can be paid yearly, half-yearly, quarterly or monthly via Auto Debit, Credit Card, Cash or Cheque.

 

WHERE ARE MY FUNDS INVESTED?

You can choose to invest into any of the the PRUlink and/or PRUlink global series of funds. For further details, please refer to the PRUlink and PRUlink global Fund Fact Sheet attached with this brochure.
 
You can track the performance of your funds by checking the unit prices published daily on our website at www.prudential.com.my or in major newspapers. #
 
Please note that this is an insurance product that is tied to the performance of the underlying assets, and is not a pure investment product such as unit trusts.
 
# The investment performance of the PRUlink and PRUlink global funds are not guaranteed. 

 

Who Can Apply

Anyone between the ages of 26 – 70 years on their next birthday can take up the plan.

 

Please note that this is an insurance product that is tied to the performance of the underlying assets, and is not a pure investment product such as unit trusts.

 

Optional Benefits

 

Total & Permanent Disability
    
Critical Illness Benefit
PRUdisability provider
 
Crisis Shield Plus
 
 
Crisis Shield
Accidental
 
Multiple Crisis Protector
PRUacci guard
 
Crisis Cover Income
PRUacci med
 
 
PRUacci income
 
Female Illness
 
 
PRUessential lady
Hospitalisation Income
 
PRUessential mother
PRUmed
 
 
Hospital Benefit
 
Medical 
 
 
PRUhealth 
Payor Benefit
 
PRUannual limit waiver 
Enhanced PRUpayor basic
 
PRUmedic auto upgrade 
Enhanced PRUpayor saver
 
PRUmedic retirement 
PRUspouse payor basic 
 
PRUmedic overseas 
PRUspouse payor saver
 
 

 

 For further details on the product and riders, please call 03-2116 0228, email us at

 customer.mys@prudential.com.my or contact your friendly Prudential Wealth Planner.

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.