Why PRUvantage from Prudential?

This investment plans gives you returns and benefits far better than any fixed deposit you’ll find in Malaysia.

**RM50,000 when you are diagnosed with a critical illness (e.g. cancer, stroke, heart attack). After that, let Prudential take over your monthly payments into your investment account, and withdraw your retirement fund at 60.**

That is the best way I can describe PruVantage in short. PruVantage is insurance, with a twist.

Considering you are in your 20s or early 30s, can you put aside RM300 a month?

Great. Say you save for one year, you’ll have RM3,600. Then, you’re diagnosed with cancer. What are you going to do? Your RM3,600 is hardly going to cover treatment costs.

With PruVantage, even just after a year of opening the account, you will be eligible to withdraw RM50,000 for your treatment. From the day that you get diagnosed onwards, Prudential will take over your monthly premiums and continue saving into your PruVantage. When you turn 60, your retirement fund of RM200,000 (illustration amount) will be waiting for you.

(Notice if you save RM3,600 each year for 30 years, you would have only put in RM108,000 of your own money).

More good news, you also have a medical plan of an annual limit of RM75,000, claimable up to 10 times making it a lifetime limit ofRM750,000.

This is a sample projection for a 33 years old, saving RM300 a month. By the time this person turns 68, she will have an estimated RM222,849. At 73, she’ll have RM340, 507. Remember, this is not yet including the benefits from medical coverage you’ll receive, the amount of lump sum cash when diagnosed with critical illness, and death benefit. Contact me for a quotation tailored for you. Send me your name, age and gender in the form below, and make a smart investment move today.

See table below, (based on PRUvantage saving at the age of 34) by 68 years old, minimum guaranteed accumulated saving will be more than RM200K!

Medical Card

Why choose Medical Card under PRUvantage?

1. Prudential gives you one of the highest lifetime limit for medical claims that you can find in Malaysia. You can claim up to 10 times your annual limit.

2. 24-hour Worldwide cover

3. Guaranteed renewal

4. Your treatment cost doesn’t stop at the hospital. PRUvantage covers your bill pre- and post-hospitalisation. Receive medical coverage of RM75,000 (annual limit), with a lifetime limit of RM750,000 (higher plans available for up to RM1.5 million)

5. Crisis protection – Receive a lump sum of RM50,000 when you are diagnosed with a critical illness

6. Premium continuation – After you’ve been diagnosed with a critical illness, Prudential will take over the payments of your premiums from that point onwards, and your retirement fund will continue to grow in your investment account.

7. Grow your retirement account – PRUvantage invests your money and builds up a fund for your retirement. You are looking at returns of more than double of a typical fixed deposit account.

8. By the time you withdraw your retirement fund, you could have collected back all the premiums you’ve paid, plus much more from your investment. It’s like, receiving free insurance, almost!

Have a look…

This is a sample projection for a 33 years old, saving RM300 a month. By the time this person turns 68, she will have an estimated RM222,849. At 73, she’ll have RM340, 507. Remember, this is not yet including the benefits from medical coverage you’ll receive, the amount of lump sum cash when diagnosed with critical illness, and death benefit. Contact me for a quotation tailored for you. Send me your name, age and gender in the form below, and make a smart investment move today.

PRUlady under PRUvantage

Special note: Think of this plan as a 100% money back guarantee plan. If you opt for the RM50,000 protection plan, the amount of premiums you would pay from now until the age of 70 would total up to RM50,000. If you’re diagnose with a condition earlier, you will receive the RM50,000 at the time you need it the most. Otherwise, RM50,000 would

be returned to you at the age of 70.

As a woman, you will play many different roles and shoulder many responsibilities throughout your life – whether as a daughter, sister, wife, mother, niece, auntie, grandmother or friend.

That’s why we’ve developed our range of PRUlady plans to give you the health assurance you deserve as a woman.

PRUlady for example not only gives you financial protection against female cancers and other female-specific illnesses,

but also addresses your post-diagnosis and recovery needs to help you get your life back on track.

For instance, not only will you receive 100% of your sum assured if you’re diagnosed with breast cancer, but you’ll

receive an extra 30% sum assured to pay for breast reconstructive surgery.

And for mothers-to-be, there’s PRUlady plus which provides protection against complications that can arise during

pregnancy, as well as treatment for newborn congenital illnesses.

What do I get?

A rider to supplement to the PRUlink assurance plan, PRUlady provides protection for women of all ages by offering:

• 
  
  Three levels of sum assured to choose from – RM50,000, RM100,000 or RM150,000 – depending on what you can afford and the extent of protection you require.
• Coverage on:

100% of your sum assured Female-related cancers: Cancer of the Breast, or Cancer of Cervix Uteri, or Cancer of Fallopian Tubes, or Cancer of Ovary, or Cancer of Uterus, or Cancer of Vagina/Vulva OR Systemic Lupus Erythematosus with Lupus Nephritis

30% of your sum assured Carcinoma-in-situ of Breast or Cervix Uteri Note: When subsequently diagnosed with female-related cancer or Systemic Lupus Erythematosus with Lupus Nephritis, we will pay the remaining 70% balance of your sum assured.

Any one of the following: Rheumatoid Arthritis with Complication, or Breast Reconstructive Surgery, or Facial Reconstructive Surgery due to accident, or Skin Grafting due to burns or skin cancer, or Osteoporotic Fracture How much do I pay?It’s so affordable! Your premium depends on your age, the plan and the sum assured that you choose. For example, if you are 18 years old and you have chosen a PRUlady plan with a sum assured of RM100,000, expiring at age 60, you will pay RM488 a year. If you are 30 years old, you will pay RM715 a year for the same plan. Your PRUlady premium will be added to the total annual premium of yourPRUlink assurance plan. Who can sign up?This plan is available to ladies between 18 and 60 years old (or 50 years old if you choose to receive coverage only up till age 60). You can choose to be covered up till age 60, 70 or 80.

How to claim

1.	Death Claim
	Documents required:
	a) Fully completed Death Claim Form b) Medical report pertaining to the cause of death (where applicable) c) Original Policy Document d) Original Death Certificate e) Certified true copy of Deceased's IC/Birth Certificate f) Certified true copy of Claimant's IC g) Others: Biopsy, MRI, scan and investigation results (where applicable) h) Original post mortem report (for Accidental Death only) i) Police report (for Accidental Death only) j) Newspaper cutting (for Accidental Death only) k) Hospital's itemized bills l) Hospital's original receipts.
	If you require any assistance or forms for the above, kindly contact your agent or our Customer Service at 03-21160228 or write to us atcustomer.mys@prudential.com.my
2.	Crisis Cover Claim
	Documents required:
	a) Fully completed Crisis Cover Claim Form b) Medical report pertaining to your medical condition c) Original Policy Document d) Others: Biopsy, MRI, scan and investigation results (where applicable)
	If you require any assistance or forms for the above, kindly contact your agent or our Customer Service at 03-21160228 or write to us atcustomer.mys@prudential.com.my
3.	Total and Permanent Disability (TPD) Claims
	Documents required:
	a) Fully completed TPD Claim Form b) Medical report pertaining to your medical condition c) Original Policy Document d) Others: Biopsy, MRI, scan and investigation results (where applicable)
	If you require any assistance or forms for the above, kindly contact your agent or our Customer Service at 03-21160228 or write to us atcustomer.mys@prudential.com.my
4.	PA & AMR Claims
	Documents required:
	a) Fully completed PA & AMR Claim Form b) Medical report pertaining to your medical condition c) Police report d) Itemized bills e) Original receipts
	If you require any assistance or forms for the above, kindly contact your agent or our Customer Service at 03-21160228 or write to us atcustomer.mys@prudential.com.my
5.	PRUmajor med / PRUsenior med Claims
	Documents required:
	a) Fully completed PRUmajor med Claim Form b) Medical report pertaining to your medical condition c) Lab investigation report d) Itemized bills e) Original receipts
	If you require any assistance or forms for the above, kindly contact your agent or our Customer Service at 03-21160228 or write to us atcustomer.mys@prudential.com.my
6.	Pre & Post Hospitalization/EAT Claims
	Documents required:
	a) Fully completed Claim Form b) Medical report pertaining to your medical condition (For EAT only) c) Itemized bills d) Original receipts
	If you require any assistance or forms for the above, kindly contact your agent or our Customer Service at 03-21160228 or write to us atcustomer.mys@prudential.com.my
7.	PRUmed / HB Claims
	Documents required:
	a) Fully completed Claim Form b) Medical report pertaining to your medical condition c) Itemized bills (certified photocopy is allowed)
	If you require any assistance or forms for the above, kindly contact your agent or our Customer Service at 03-21160228 or write to us atcustomer.mys@prudential.com.my
8.	Surgical and Nursing (S&N) Claims
	Documents required:
	a) Fully completed Claim Form b) Medical report pertaining to your medical condition c) Itemized bills d) Original receipts
	If you require any assistance or forms for the above, kindly contact your agent or our Customer Service at 03-21160228 or write to us atcustomer.mys@prudential.com.my