🕷️ Crawler Inspector

URL Lookup

Direct Parameter Lookup

Raw Queries and Responses

1. Shard Calculation

Query:

Response:

Calculated Shard: 40 (from laksa028)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa040.int.ahrefs:8124/' \
  -H 'Content-Type: text/plain' \
  -H 'X-ClickHouse-Database: crawler3' \
  -H 'Authorization: Basic YXBpOg==' \
  -d 'SELECT getAhrefsURLFromUnparsed(src_unparsed) AS found_url, ifNull(toUnixTimestamp(download_stamp), 0) AS crawl_time, ifNull(toUnixTimestamp(props_url_first_seen), 0) AS first_indexed_time, download_http_code AS http_code, src_unparsed AS src_unparsed, src_root_hash AS src_root_hash, history_drop_reason AS history_drop_reason, meta_title AS meta_title, meta_descriptions AS meta_descriptions, attrs_boilerpipe_text AS attrs_boilerpipe_text, attrs_markdown AS attrs_markdown, attrs_readable_markdown AS attrs_readable_markdown, meta_canonical AS meta_canonical FROM crawler3.page_info_local FINAL PREWHERE (src_root_hash, src_unparsed) IN ((getAhrefsRootHashFromUnparsed(getAhrefsUnparsedNoserviceFromURL(\'https://www.prudential.com.my/en/products-health-insurance/critical-illness-plans/\')), getAhrefsUnparsedNoserviceFromURL(\'https://www.prudential.com.my/en/products-health-insurance/critical-illness-plans/\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/www.prudential.com.my\/en\/products-health-insurance\/critical-illness-plans\/","crawl_time":1776291396,"first_indexed_time":1637050909,"http_code":200,"src_unparsed":"my,com,prudential!www,\/en\/products-health-insurance\/critical-illness-plans\/ s443","src_root_hash":"18421253435682843240","history_drop_reason":null,"meta_title":"Discover Our Critical Illness Plans For Peace Of Mind | Prudential Malaysia","meta_descriptions":["Embrace health challenges with confidence, knowing that you have the financial support to facilitate a worry-free recovery."],"attrs_boilerpipe_text":"Financial Support When Critical Illness Disrupts Your Income\nCritical illness can pause your life and your income. Get the financial support you need to recover with confidence.\nProtecting Your Income When Health Takes Priority.\nCritical illness can change more than just your health, it can affect your ability to work, your income, and your day‑to‑day financial stability. Beyond medical bills, many people face ongoing financial pressures such as loss of income and daily living expenses during recovery.\nThat’s why having a critical illness plan matters. It provides financial support when you need time to focus on recovery, helping to ease financial strain and protect your livelihood.\nReach out to learn more\nDiscover our\nCritical Illness Plans\nPRUMy Critical Care\nCoverage for up to 160 critical illnesses from early to late stages\nMultiple claims up to 400% rider sum assured\nRe-diagnosis coverage for Cancer, Heart Attack and Stroke\nGuaranteed 50% extra coverage boost when you need it most\nGet expert care and homecare support from diagnosis to recovery\nPRUMan & PRULady\nGet up to 260% Gender Specific Coverage\nChoose Cash Rewards from 10 Life Milestones\n110% Total Premium Return\nWellness Care for Mental & Physical Well-being\nPRUCancer X\nA lump sum of up to RM2 million if you get cancer\nAffordable premium\nEasy enrolment process\nCompassionate benefit\nTerms and Conditions apply.\nWe’ve Helped Over\n7 Million Lives.\nLet us help you find the right plans that protect what matters most to you.\nA critical illness refers to a serious, potentially life‑threatening condition that may require long‑term treatment or recovery and can cause significant financial strain.\nCritical illness plans typically cover a wide range of serious medical conditions, including cancer, heart attack, stroke and coronary bypass. Some plans provide coverage for up to 160 conditions. A lump sum payout is made once the condition is diagnosed, including certain terminal illnesses.\nCommon critical illnesses include cancer, heart attack and stroke.\nOnce you are diagnosed with a covered critical illness and meet policy requirements (such as the survival period), a lump sum payout is made. This can be used for medical costs, daily living expenses or other financial needs during recovery.\nA survival period is the minimum number of days you must survive after diagnosis before a claim is payable (typically 7 days). A waiting period is the initial period after policy commencement during which certain claims are not covered. Both vary by policy and illness.\nCritical illness insurance helps to:\nCover treatment or recovery costs not paid by your medical plan\nSupport daily living expenses if you are unable to work\nCover related costs such as transportation, caregiving or home modifications\nThis allows you to focus on recovery without added financial stress.\nYes. While life insurance provides financial protection upon death, critical illnesses can also place a heavy financial burden on families while the insured is still alive. A critical illness payout helps replace lost income and manage expenses during recovery.\nA general guideline is coverage of around 6 times your annual income, to support living expenses, treatment needs and potential loss of income.\nConsider:\nThe range of illnesses covered\nYour family’s medical history\nAffordability and financial needs\nWhether the plan is standalone or a rider\nChoose a plan that is flexible and suitable for your long‑term needs.\nThe payout depends on the sum assured selected under your policy. Please refer to your policy documents for details.\nPremiums depend on factors such as age, medical history, coverage amount and policy term. Speak to our Wealth Planners for a suitable option.\nYes. You may hold multiple critical illness policies from Prudential Malaysia or other insurers, provided:\nPremiums remain affordable\nTotal coverage suits your needs\nYou understand each policy’s terms and exclusions\nBoth serve different purposes. Critical illness insurance provides financial support upon diagnosis of a serious illness, while life insurance provides financial protection in the event of death. Many people choose to have both.\nCritical illness insurance generally does not cover accidents directly. However, certain accident‑related critical conditions (e.g. traumatic brain injury or total blindness) may be covered, depending on policy terms.\nExclusions vary by policy but may include pre‑existing conditions, self‑inflicted injuries and non‑disclosure of material information. Always refer to your policy documents for full details.\nYes. Premiums for life and medical insurance, including critical illness plans, may qualify for tax relief, subject to LHDN limits and eligibility criteria.\nIf the policyholder passes away, the sum assured will be paid to the nominated beneficiary, subject to policy terms.\nYou may cancel your policy by giving written notice; however, premiums paid may not be refundable and future re‑application may require underwriting.","attrs_markdown":"JavaScript is off. Please enable to view full site.\n\n[![Prudential Logo](https:\/\/www.prudential.com.my\/export\/sites\/prudential-pamb\/.galleries\/logo-pamb.jpg)](https:\/\/www.prudential.com.my\/en\/ \"Logo\")\n\n[Concact](https:\/\/www.prudential.com.my\/en\/contact-us\/ \"Contact\")\n\n[Online Payment](https:\/\/epay.prudential.com.my\/pru_cpp\/ \"Online Payment\")\n\n[Personal](https:\/\/www.prudential.com.my\/en\/products-health-insurance\/critical-illness-plans\/ \"Personal\") [Enterprise](https:\/\/www.prudential.com.my\/en\/enterprise\/ \"Enterprise\")\n\n[Portal Login](https:\/\/pruservices.prudential.com.my\/ \"Portal Login\")\n\n[contact](https:\/\/www.prudential.com.my\/en\/contact-us\/ \"Contact\")\n\nWhat can we help you find?\n\n[Cancel](https:\/\/www.prudential.com.my\/en\/products-health-insurance\/critical-illness-plans\/ \"Cancel\")\n\n- [Products](https:\/\/www.prudential.com.my\/en\/products-health-insurance\/critical-illness-plans\/ \"Products\")\n- [Services & Claims](https:\/\/www.prudential.com.my\/en\/products-health-insurance\/critical-illness-plans\/ \"Services & Claims\")\n- [Work With Us](https:\/\/www.prudential.com.my\/en\/products-health-insurance\/critical-illness-plans\/ \"Work With Us\")\n- [About Us](https:\/\/www.prudential.com.my\/en\/products-health-insurance\/critical-illness-plans\/ \"About Us\")\n- [Insurance 101](https:\/\/www.prudential.com.my\/en\/products-health-insurance\/critical-illness-plans\/ \"Insurance 101\")\n- [Contact Us](https:\/\/www.prudential.com.my\/en\/products-health-insurance\/critical-illness-plans\/ \"Contact Us\")\n\n- [Products](https:\/\/www.prudential.com.my\/en\/products-health-insurance\/critical-illness-plans\/ \"Products\")\n  - [Life Insurance](\"Life Insurance\")\n  - [Critical Illness Insurance](\"Critical Illness Insurance\")\n  - [Medical Insurance](\"Medical Insurance\")\n  - [Infant & Child Insurance](\"Infant & Child Insurance\")\n  - [Wealth & Legacy Insurance](\"Wealth & Legacy Insurance\")\n  - [Savings & Investment Insurance](\"Savings & Investment Insurance\")\n  - [EPF i-Lindung](\"EPF i-Lindung\")\n  - [PRUDirect](https:\/\/partnersweb.prudential.com.my\/prudirect\/web\/prudential\/ \"PRUDirect\")\n- [Services & Claims](https:\/\/www.prudential.com.my\/en\/products-health-insurance\/critical-illness-plans\/ \"Services & Claims\")\n  - [Medical Card Services](\"Medical Card Services\")\n  - [Claims](\"Claims\")\n  - [Support](\"Support\")\n  - [Payments](\"Payments\")\n  - [PRUPrestige](https:\/\/www.prudential.com.my\/en\/claims-and-support\/pruprestige\/ \"PRUPrestige\")\n  - [PRUServices](https:\/\/www.prudential.com.my\/en\/pruservices\/index.html \"PRUServices\")\n- [Work With Us](https:\/\/www.prudential.com.my\/en\/products-health-insurance\/critical-illness-plans\/ \"Work With Us\")\n  - [Corporate Careers](https:\/\/www.prudential.com.my\/en\/work-with-us-corporate-careers\/ \"Corporate Careers\")\n  - [Be A Wealth Planner](https:\/\/pruwealthplanner.com\/home \"Be A Wealth Planner\")\n- [About Us](https:\/\/www.prudential.com.my\/en\/products-health-insurance\/critical-illness-plans\/ \"About Us\")\n  - [About us](\"About us\")\n  - [Corporate governance](\"Corporate governance\")\n  - [Community investment](\"Community investment\")\n  - [Newsroom](\"Newsroom\")\n- [Insurance 101](https:\/\/www.prudential.com.my\/en\/products-health-insurance\/critical-illness-plans\/ \"Insurance 101\")\n  - [Understanding Life Insurance](https:\/\/www.prudential.com.my\/en\/our-company-newsroom\/announcements\/understanding-life-insurance\/index.html \"Understanding Life Insurance\")\n  - [Understanding Medical Insurance](https:\/\/www.prudential.com.my\/en\/our-company-newsroom\/announcements\/understanding-medical-insurance\/index.html \"Understanding Medical Insurance\")\n  - [Understanding Medical Revision](https:\/\/www.prudential.com.my\/en\/our-company-newsroom\/announcements\/understanding-medical-revision\/index.html \"Understanding Medical Revision\")\n  - [Health and Wellness](https:\/\/www.prudential.com.my\/en\/health-and-wellness\/index.html \"Health and Wellness\")\n  - [Claims Payout](https:\/\/www.prudential.com.my\/en\/our-company-newsroom\/announcements\/claims-payout\/index.html \"Claims Payout\")\n- [Contact Us](https:\/\/www.prudential.com.my\/en\/products-health-insurance\/critical-illness-plans\/ \"Contact Us\")\n  - [Contact Us](https:\/\/www.prudential.com.my\/en\/contact-us\/ \"Contact Us\")\n\n- [Portal Login](https:\/\/pruservices.prudential.com.my\/ \"Portal Login\")\n- [Online Payment](https:\/\/epay.prudential.com.my\/pru_cpp\/ \"Online Payment\")\n- [Enterprise](https:\/\/www.prudential.com.my\/en\/enterprise\/ \"Enterprise\")\n\n[Life Insurance](\"Life Insurance\")\n\n- [Life Insurance](https:\/\/www.prudential.com.my\/en\/products-life-insurance\/ \"Life Insurance\")\n- [PRUWith You Plus](https:\/\/www.prudential.com.my\/en\/products-life-insurance\/pruwith-you-plus\/index.html \"PRUWith You Plus\")\n- [PRULive Well](https:\/\/www.prudential.com.my\/en\/products-life-insurance\/prulive-well\/ \"PRULive Well\")\n- [PRUTerm](https:\/\/www.prudential.com.my\/en\/products-life-insurance\/pruterm\/ \"PRUTerm\")\n\n[Critical Illness Insurance](\"Critical Illness Insurance\")\n\n- [Critical Illness Insurance](https:\/\/www.prudential.com.my\/en\/products-health-insurance\/critical-illness-plans\/index.html \"Critical Illness Insurance\")\n- [PRUMy Critical Care](https:\/\/www.prudential.com.my\/en\/products-health-insurance\/critical-illness-plans\/prumy-critical-care\/index.html \"PRUMy Critical Care\")\n- [PRUMan & PRULady](https:\/\/www.prudential.com.my\/en\/products-health-insurance\/critical-illness-plans\/pruman-prulady\/ \"PRUMan & PRULady\")\n- [Homecare Programme](https:\/\/www.prudential.com.my\/en\/our-company-newsroom\/announcements\/value-added-service-homecare-program\/ \"Homecare Programme\")\n\n[Medical Insurance](\"Medical Insurance\")\n\n- [Medical Insurance](https:\/\/www.prudential.com.my\/en\/products-health-insurance\/medical-plans\/index.html \"Medical Insurance\")\n- [PRUMillion Med Active 2.0](https:\/\/www.prudential.com.my\/en\/products-riders\/prumillion-med-active-2\/index.html \"PRUMillion Med Active 2.0\")\n- [PRUMillion Med 2.0](https:\/\/www.prudential.com.my\/en\/products-riders\/prumillion-med\/index.html \"PRUMillion Med 2.0\")\n- [PRUValue Med](https:\/\/www.prudential.com.my\/en\/products-riders\/pruvalue-med\/index.html \"PRUValue Med\")\n\n[Infant & Child Insurance](\"Infant & Child Insurance\")\n\n- [Infant & Child Insurance](https:\/\/www.prudential.com.my\/en\/products-infant-child\/ \"Infant & Child Insurance\")\n- [PRUMy Child Plus](https:\/\/www.prudential.com.my\/en\/our-company-newsroom\/announcements\/prumy-child-plus\/index.html \"PRUMy Child Plus\")\n\n[Wealth & Legacy Insurance](\"Wealth & Legacy Insurance\")\n\n- [Wealth & Legacy Insurance](https:\/\/www.prudential.com.my\/en\/products-wealth-insurance\/ \"Wealth & Legacy Insurance\")\n- [Legacy Settlement Option](https:\/\/www.prudential.com.my\/en\/products-wealth-insurance\/legacy-plans\/legacy-settlement-option\/ \"Legacy Settlement Option\")\n- [PRUWealth Enrich 2.0](https:\/\/www.prudential.com.my\/en\/products-wealth-insurance\/legacy-plans\/pruwealth-enrich-2\/ \"PRUWealth Enrich 2.0\")\n- [PRUElite Flex](https:\/\/www.prudential.com.my\/en\/products-wealth-insurance\/savings-investment-plans\/pruelite-flex\/ \"PRUElite Flex\")\n- [PRUCash Enrich](https:\/\/www.prudential.com.my\/en\/products-wealth-insurance\/savings-investment-plans\/prucash-enrich\/ \"PRUCash Enrich\")\n\n[Savings & Investment Insurance](\"Savings & Investment Insurance\")\n\n- [Savings & Investment Insurance](https:\/\/www.prudential.com.my\/en\/products-wealth-insurance\/savings-investment-plans\/ \"Savings & Investment Insurance\")\n- [PRUElite Invest](https:\/\/www.prudential.com.my\/en\/products-wealth-insurance\/savings-investment-plans\/pruelite-invest\/ \"PRUElite Invest\")\n- [PRUCash Double Reward](https:\/\/www.prudential.com.my\/en\/products-wealth-insurance\/savings-investment-plans\/prucash-double-reward\/ \"PRUCash Double Reward\")\n\n[EPF i-Lindung](\"EPF i-Lindung\")\n\n- [EPF i-Lindung](https:\/\/www.prudential.com.my\/en\/our-company-newsroom\/announcements\/epf-i-lindung\/ \"EPF i-Lindung\")\n- [PRUCare Family](https:\/\/www.prudential.com.my\/en\/products-health-insurance\/critical-illness-plans\/prucare-family\/index.html \"PRUCare Family\")\n- [PRUGuard Family](https:\/\/www.prudential.com.my\/en\/products-life-insurance\/pruguard-family\/index.html \"PRUGuard Family\")\n\n[PRUDirect](\"PRUDirect\")\n\n- [PRUDirect](https:\/\/partnersweb.prudential.com.my\/prudirect\/web\/prudential\/ \"PRUDirect\")\n\n[Medical Card Services](\"Medical Card Services\")\n\n- [Medical Card Services](https:\/\/www.prudential.com.my\/en\/claims-and-support\/medical-card-services\/ \"Medical Card Services\")\n- [PRUPanel Plus](https:\/\/www.prudential.com.my\/en\/claims-and-support\/medical-card-services\/prupanel-plus\/index.html \"PRUPanel Plus\")\n- [Panel Hospitals](https:\/\/www.prudential.com.my\/en\/claims-and-support\/medical-card-services\/panel-hospital\/ \"Panel Hospitals\")\n- [Hospital Alliance Services](https:\/\/www.prudential.com.my\/en\/claims-and-support\/medical-card-services\/hospital-alliance-services\/ \"Hospital Alliance Services\")\n- [Expert Medical Opinion](https:\/\/www.prudential.com.my\/en\/claims-and-support\/medical-card-services\/expert-medical-opinion-emo\/ \"Expert Medical Opinion\")\n- [PRUAssist](https:\/\/www.prudential.com.my\/en\/our-company-newsroom\/announcements\/pruassist-programme-service-provider-notification\/index.html \"PRUAssist\")\n- [Case Management Service](https:\/\/www.prudential.com.my\/en\/case-management-service\/index.html \"Case Management Service\")\n\n[Claims](\"Claims\")\n\n- [Claims](https:\/\/www.prudential.com.my\/en\/claims-and-support\/how-to-claim\/ \"Claims\")\n- [Claim Forms](https:\/\/www.prudential.com.my\/en\/claims-and-support\/how-to-claim\/claims-forms\/ \"Claim Forms\")\n- [Claims FAQs](https:\/\/www.prudential.com.my\/en\/claims-and-support\/how-to-claim\/claims-faq\/ \"Claims FAQs\")\n- [Day Surgery Benefit](https:\/\/www.prudential.com.my\/en\/claims-and-support\/how-to-claim\/day-surgery-benefits\/ \"Day Surgery Benefit\")\n- [No Claims Benefit](https:\/\/www.prudential.com.my\/en\/claims-and-support\/how-to-claim\/no-claims-benefit\/index.html \"No Claims Benefit\")\n- [Claims Glossary](https:\/\/www.prudential.com.my\/en\/claims-and-support\/how-to-claim\/claims-glossary\/ \"Claims Glossary\")\n\n[Support](\"Support\")\n\n- [Support](https:\/\/www.prudential.com.my\/en\/claims-and-support\/ \"Support\")\n- [Panel of Clinics for New Application](https:\/\/www.prudential.com.my\/en\/claims-and-support\/medical-card-services\/panel-clinic\/ \"Panel of Clinics for New Application\")\n- [Policy Servicing](https:\/\/www.prudential.com.my\/en\/claims-and-support\/policy-servicing\/ \"Policy Servicing\")\n- [Policy Servicing Forms](https:\/\/www.prudential.com.my\/en\/claims-and-support\/policy-servicing\/policy-servicing-forms\/ \"Policy Servicing Forms\")\n- [Policy Servicing FAQs](https:\/\/www.prudential.com.my\/en\/claims-and-support\/policy-servicing\/policy-servicing-faq\/ \"Policy Servicing FAQs\")\n- [Policy Servicing Glossary](https:\/\/www.prudential.com.my\/en\/claims-and-support\/policy-servicing\/policy-servicing-glossary\/ \"Policy Servicing Glossary\")\n\n[Payments](\"Payments\")\n\n- [Payments](https:\/\/www.prudential.com.my\/en\/claims-and-support\/payments\/ \"Payments\")\n- [Premium Payments](https:\/\/www.prudential.com.my\/en\/claims-and-support\/payments\/premium-payments\/ \"Premium Payments\")\n- [Payment Methods](https:\/\/www.prudential.com.my\/en\/claims-and-support\/payments\/list-of-payment-methods\/ \"Payment Methods\")\n- [Premium Payment FAQs](https:\/\/www.prudential.com.my\/en\/claims-and-support\/payments\/premium-payment-faq\/ \"Premium Payment FAQs\")\n\n[PRUPrestige](\"PRUPrestige\")\n\n- [PRUPrestige](https:\/\/www.prudential.com.my\/en\/claims-and-support\/pruprestige\/ \"PRUPrestige\")\n\n[PRUServices](\"PRUServices\")\n\n- [PRUServices](https:\/\/www.prudential.com.my\/en\/pruservices\/index.html \"PRUServices\")\n\n[Corporate Careers](\"Corporate Careers\")\n\n- [Corporate Careers](https:\/\/www.prudential.com.my\/en\/work-with-us-corporate-careers\/ \"Corporate Careers\")\n\n[Be A Wealth Planner](\"Be A Wealth Planner\")\n\n- [Be A Wealth Planner](https:\/\/pruwealthplanner.com\/home \"Be A Wealth Planner\")\n\n[About us](\"About us\")\n\n- [About us](https:\/\/www.prudential.com.my\/en\/our-company-about-us\/ \"About us\")\n- [Our history](https:\/\/www.prudential.com.my\/en\/our-company-about-us\/our-history\/ \"Our history\")\n- [Leadership](https:\/\/www.prudential.com.my\/en\/our-company-about-us\/leadership\/ \"Leadership\")\n- [Financial Statements and Funds Report](https:\/\/www.prudential.com.my\/en\/our-company-about-us\/financial-listings\/ \"Financial Statements and Funds Report\")\n\n[Corporate governance](\"Corporate governance\")\n\n- [Corporate governance](https:\/\/www.prudential.com.my\/en\/our-company-corporate-governance-policies\/ \"Corporate governance\")\n- [Client Charter](https:\/\/www.prudential.com.my\/en\/our-company-corporate-governance-client-charter\/ \"Client Charter\")\n- [Treat Customers Fairly Charter](https:\/\/www.prudential.com.my\/en\/our-company-corporate-governance-treat-customers-fairly-charter\/ \"Treat Customers Fairly Charter\")\n\n[Community investment](\"Community investment\")\n\n- [Community investment](https:\/\/www.prudential.com.my\/en\/our-company-community-investment-programmes\/ \"Community investment\")\n- [Protection](https:\/\/www.prudential.com.my\/en\/our-company-community-investment-programmes\/protection\/index.html \"Protection\")\n- [Education](https:\/\/www.prudential.com.my\/en\/our-company-community-investment-programmes\/education\/index.html \"Education\")\n- [Growth](https:\/\/www.prudential.com.my\/en\/our-company-community-investment-programmes\/growth\/index.html \"Growth\")\n- [Relief](https:\/\/www.prudential.com.my\/en\/our-company-community-investment-programmes\/others\/index.html \"Relief\")\n- [Our Achievements](https:\/\/www.prudential.com.my\/en\/our-company-community-investment-programmes\/our-achievements\/ \"Our Achievements\")\n\n[Newsroom](\"Newsroom\")\n\n- [Newsroom](https:\/\/www.prudential.com.my\/en\/our-company-newsroom\/ \"Newsroom\")\n- [Press Releases](https:\/\/www.prudential.com.my\/en\/our-company-newsroom\/press-release\/ \"Press Releases\")\n- [Announcements](https:\/\/www.prudential.com.my\/en\/our-company-newsroom\/announcements\/ \"Announcements\")\n- [Insights](https:\/\/www.prudential.com.my\/en\/our-company-newsroom\/insights\/index.html \"Insights\")\n\n[Understanding Life Insurance](\"Understanding Life Insurance\")\n\n- [Understanding Life Insurance](https:\/\/www.prudential.com.my\/en\/our-company-newsroom\/announcements\/understanding-life-insurance\/index.html \"Understanding Life Insurance\")\n\n[Understanding Medical Insurance](\"Understanding Medical Insurance\")\n\n- [Understanding Medical Insurance](https:\/\/www.prudential.com.my\/en\/our-company-newsroom\/announcements\/understanding-medical-insurance\/index.html \"Understanding Medical Insurance\")\n\n[Understanding Medical Revision](\"Understanding Medical Revision\")\n\n- [Understanding Medical Revision](https:\/\/www.prudential.com.my\/en\/our-company-newsroom\/announcements\/understanding-medical-revision\/index.html \"Understanding Medical Revision\")\n\n[Health and Wellness](\"Health and Wellness\")\n\n- [Health and Wellness](https:\/\/www.prudential.com.my\/en\/health-and-wellness\/index.html \"Health and Wellness\")\n\n[Claims Payout](\"Claims Payout\")\n\n- [Claims Payout](https:\/\/www.prudential.com.my\/en\/our-company-newsroom\/announcements\/claims-payout\/index.html \"Claims Payout\")\n\n[Contact Us](\"Contact Us\")\n\n- [Contact Us](https:\/\/www.prudential.com.my\/en\/contact-us\/ \"Contact Us\")\n\n[Life Insurance](https:\/\/www.prudential.com.my\/en\/products-life-insurance\/ \"Life Insurance\")\n\n- [PRUWith You Plus](https:\/\/www.prudential.com.my\/en\/products-life-insurance\/pruwith-you-plus\/index.html \"PRUWith You Plus\")\n- [PRULive Well](https:\/\/www.prudential.com.my\/en\/products-life-insurance\/prulive-well\/ \"PRULive Well\")\n- [PRUTerm](https:\/\/www.prudential.com.my\/en\/products-life-insurance\/pruterm\/ \"PRUTerm\")\n\n[Critical Illness Insurance](https:\/\/www.prudential.com.my\/en\/products-health-insurance\/critical-illness-plans\/index.html \"Critical Illness Insurance\")\n\n- [PRUMy Critical Care](https:\/\/www.prudential.com.my\/en\/products-health-insurance\/critical-illness-plans\/prumy-critical-care\/index.html \"PRUMy Critical Care\")\n- [PRUMan & PRULady](https:\/\/www.prudential.com.my\/en\/products-health-insurance\/critical-illness-plans\/pruman-prulady\/ \"PRUMan & PRULady\")\n- [Homecare Programme](https:\/\/www.prudential.com.my\/en\/our-company-newsroom\/announcements\/value-added-service-homecare-program\/ \"Homecare Programme\")\n\n[Medical Insurance](https:\/\/www.prudential.com.my\/en\/products-health-insurance\/medical-plans\/index.html \"Medical Insurance\")\n\n- [PRUMillion Med Active 2.0](https:\/\/www.prudential.com.my\/en\/products-riders\/prumillion-med-active-2\/index.html \"PRUMillion Med Active 2.0\")\n- [PRUMillion Med 2.0](https:\/\/www.prudential.com.my\/en\/products-riders\/prumillion-med\/index.html \"PRUMillion Med 2.0\")\n- [PRUValue Med](https:\/\/www.prudential.com.my\/en\/products-riders\/pruvalue-med\/index.html \"PRUValue Med\")\n\n[Infant & Child Insurance](https:\/\/www.prudential.com.my\/en\/products-infant-child\/ \"Infant & Child Insurance\")\n\n- [PRUMy Child Plus](https:\/\/www.prudential.com.my\/en\/our-company-newsroom\/announcements\/prumy-child-plus\/index.html \"PRUMy Child Plus\")\n\n[Wealth & Legacy Insurance](https:\/\/www.prudential.com.my\/en\/products-wealth-insurance\/ \"Wealth & Legacy Insurance\")\n\n- [Legacy Settlement Option](https:\/\/www.prudential.com.my\/en\/products-wealth-insurance\/legacy-plans\/legacy-settlement-option\/ \"Legacy Settlement Option\")\n- [PRUWealth Enrich 2.0](https:\/\/www.prudential.com.my\/en\/products-wealth-insurance\/legacy-plans\/pruwealth-enrich-2\/ \"PRUWealth Enrich 2.0\")\n- [PRUElite Flex](https:\/\/www.prudential.com.my\/en\/products-wealth-insurance\/savings-investment-plans\/pruelite-flex\/ \"PRUElite Flex\")\n- [PRUCash Enrich](https:\/\/www.prudential.com.my\/en\/products-wealth-insurance\/savings-investment-plans\/prucash-enrich\/ \"PRUCash Enrich\")\n\n[Savings & Investment Insurance](https:\/\/www.prudential.com.my\/en\/products-wealth-insurance\/savings-investment-plans\/ \"Savings & Investment Insurance\")\n\n- [PRUElite Invest](https:\/\/www.prudential.com.my\/en\/products-wealth-insurance\/savings-investment-plans\/pruelite-invest\/ \"PRUElite Invest\")\n- [PRUCash Double Reward](https:\/\/www.prudential.com.my\/en\/products-wealth-insurance\/savings-investment-plans\/prucash-double-reward\/ \"PRUCash Double Reward\")\n\n[EPF i-Lindung](https:\/\/www.prudential.com.my\/en\/our-company-newsroom\/announcements\/epf-i-lindung\/ \"EPF i-Lindung\")\n\n- [PRUCare Family](https:\/\/www.prudential.com.my\/en\/products-health-insurance\/critical-illness-plans\/prucare-family\/index.html \"PRUCare Family\")\n- [PRUGuard Family](https:\/\/www.prudential.com.my\/en\/products-life-insurance\/pruguard-family\/index.html \"PRUGuard Family\")\n\n[PRUDirect](https:\/\/partnersweb.prudential.com.my\/prudirect\/web\/prudential\/ \"PRUDirect\")\n\n[Medical Card Services](https:\/\/www.prudential.com.my\/en\/claims-and-support\/medical-card-services\/ \"Medical Card Services\")\n\n- [PRUPanel Plus](https:\/\/www.prudential.com.my\/en\/claims-and-support\/medical-card-services\/prupanel-plus\/index.html \"PRUPanel Plus\")\n- [Panel Hospitals](https:\/\/www.prudential.com.my\/en\/claims-and-support\/medical-card-services\/panel-hospital\/ \"Panel Hospitals\")\n- [Hospital Alliance Services](https:\/\/www.prudential.com.my\/en\/claims-and-support\/medical-card-services\/hospital-alliance-services\/ \"Hospital Alliance Services\")\n- [Expert Medical Opinion](https:\/\/www.prudential.com.my\/en\/claims-and-support\/medical-card-services\/expert-medical-opinion-emo\/ \"Expert Medical Opinion\")\n- [PRUAssist](https:\/\/www.prudential.com.my\/en\/our-company-newsroom\/announcements\/pruassist-programme-service-provider-notification\/index.html \"PRUAssist\")\n- [Case Management Service](https:\/\/www.prudential.com.my\/en\/case-management-service\/index.html \"Case Management Service\")\n\n[Claims](https:\/\/www.prudential.com.my\/en\/claims-and-support\/how-to-claim\/ \"Claims\")\n\n- [Claim Forms](https:\/\/www.prudential.com.my\/en\/claims-and-support\/how-to-claim\/claims-forms\/ \"Claim Forms\")\n- [Claims FAQs](https:\/\/www.prudential.com.my\/en\/claims-and-support\/how-to-claim\/claims-faq\/ \"Claims FAQs\")\n- [Day Surgery Benefit](https:\/\/www.prudential.com.my\/en\/claims-and-support\/how-to-claim\/day-surgery-benefits\/ \"Day Surgery Benefit\")\n- [No Claims Benefit](https:\/\/www.prudential.com.my\/en\/claims-and-support\/how-to-claim\/no-claims-benefit\/index.html \"No Claims Benefit\")\n- [Claims Glossary](https:\/\/www.prudential.com.my\/en\/claims-and-support\/how-to-claim\/claims-glossary\/ \"Claims Glossary\")\n\n[Support](https:\/\/www.prudential.com.my\/en\/claims-and-support\/ \"Support\")\n\n- [Panel of Clinics for New Application](https:\/\/www.prudential.com.my\/en\/claims-and-support\/medical-card-services\/panel-clinic\/ \"Panel of Clinics for New Application\")\n- [Policy Servicing](https:\/\/www.prudential.com.my\/en\/claims-and-support\/policy-servicing\/ \"Policy Servicing\")\n- [Policy Servicing Forms](https:\/\/www.prudential.com.my\/en\/claims-and-support\/policy-servicing\/policy-servicing-forms\/ \"Policy Servicing Forms\")\n- [Policy Servicing FAQs](https:\/\/www.prudential.com.my\/en\/claims-and-support\/policy-servicing\/policy-servicing-faq\/ \"Policy Servicing FAQs\")\n- [Policy Servicing Glossary](https:\/\/www.prudential.com.my\/en\/claims-and-support\/policy-servicing\/policy-servicing-glossary\/ \"Policy Servicing Glossary\")\n\n[Payments](https:\/\/www.prudential.com.my\/en\/claims-and-support\/payments\/ \"Payments\")\n\n- [Premium Payments](https:\/\/www.prudential.com.my\/en\/claims-and-support\/payments\/premium-payments\/ \"Premium Payments\")\n- [Payment Methods](https:\/\/www.prudential.com.my\/en\/claims-and-support\/payments\/list-of-payment-methods\/ \"Payment Methods\")\n- [Premium Payment FAQs](https:\/\/www.prudential.com.my\/en\/claims-and-support\/payments\/premium-payment-faq\/ \"Premium Payment FAQs\")\n\n[PRUPrestige](https:\/\/www.prudential.com.my\/en\/claims-and-support\/pruprestige\/ \"PRUPrestige\")\n\n[PRUServices](https:\/\/www.prudential.com.my\/en\/pruservices\/index.html \"PRUServices\")\n\n[Corporate Careers](https:\/\/www.prudential.com.my\/en\/work-with-us-corporate-careers\/ \"Corporate Careers\")\n\n[Be A Wealth Planner](https:\/\/pruwealthplanner.com\/home \"Be A Wealth Planner\")\n\n[About us](https:\/\/www.prudential.com.my\/en\/our-company-about-us\/ \"About us\")\n\n- [Our history](https:\/\/www.prudential.com.my\/en\/our-company-about-us\/our-history\/ \"Our history\")\n- [Leadership](https:\/\/www.prudential.com.my\/en\/our-company-about-us\/leadership\/ \"Leadership\")\n- [Financial Statements and Funds Report](https:\/\/www.prudential.com.my\/en\/our-company-about-us\/financial-listings\/ \"Financial Statements and Funds Report\")\n\n[Corporate governance](https:\/\/www.prudential.com.my\/en\/our-company-corporate-governance-policies\/ \"Corporate governance\")\n\n- [Client Charter](https:\/\/www.prudential.com.my\/en\/our-company-corporate-governance-client-charter\/ \"Client Charter\")\n- [Treat Customers Fairly Charter](https:\/\/www.prudential.com.my\/en\/our-company-corporate-governance-treat-customers-fairly-charter\/ \"Treat Customers Fairly Charter\")\n\n[Community investment](https:\/\/www.prudential.com.my\/en\/our-company-community-investment-programmes\/ \"Community investment\")\n\n- [Protection](https:\/\/www.prudential.com.my\/en\/our-company-community-investment-programmes\/protection\/index.html \"Protection\")\n- [Education](https:\/\/www.prudential.com.my\/en\/our-company-community-investment-programmes\/education\/index.html \"Education\")\n- [Growth](https:\/\/www.prudential.com.my\/en\/our-company-community-investment-programmes\/growth\/index.html \"Growth\")\n- [Relief](https:\/\/www.prudential.com.my\/en\/our-company-community-investment-programmes\/others\/index.html \"Relief\")\n- [Our Achievements](https:\/\/www.prudential.com.my\/en\/our-company-community-investment-programmes\/our-achievements\/ \"Our Achievements\")\n\n[Newsroom](https:\/\/www.prudential.com.my\/en\/our-company-newsroom\/ \"Newsroom\")\n\n- [Press Releases](https:\/\/www.prudential.com.my\/en\/our-company-newsroom\/press-release\/ \"Press Releases\")\n- [Announcements](https:\/\/www.prudential.com.my\/en\/our-company-newsroom\/announcements\/ \"Announcements\")\n- [Insights](https:\/\/www.prudential.com.my\/en\/our-company-newsroom\/insights\/index.html \"Insights\")\n\n[Understanding Life Insurance](https:\/\/www.prudential.com.my\/en\/our-company-newsroom\/announcements\/understanding-life-insurance\/index.html \"Understanding Life Insurance\")\n\n[Understanding Medical Insurance](https:\/\/www.prudential.com.my\/en\/our-company-newsroom\/announcements\/understanding-medical-insurance\/index.html \"Understanding Medical Insurance\")\n\n[Understanding Medical Revision](https:\/\/www.prudential.com.my\/en\/our-company-newsroom\/announcements\/understanding-medical-revision\/index.html \"Understanding Medical Revision\")\n\n[Health and Wellness](https:\/\/www.prudential.com.my\/en\/health-and-wellness\/index.html \"Health and Wellness\")\n\n[Claims Payout](https:\/\/www.prudential.com.my\/en\/our-company-newsroom\/announcements\/claims-payout\/index.html \"Claims Payout\")\n\n[Contact Us](https:\/\/www.prudential.com.my\/en\/contact-us\/ \"Contact Us\")\n\n# Financial Support When Critical Illness Disrupts Your Income\nCritical illness can pause your life and your income. Get the financial support you need to recover with confidence.\n\n![critical illness](https:\/\/www.prudential.com.my\/export\/sites\/prudential-pamb\/en\/.galleries\/images\/Critical-Illness-Category-Page.jpg)\n\n![](https:\/\/www.prudential.com.my\/export\/sites\/prudential-pamb\/en\/.galleries\/images\/award-logos-2025-v2-1440x180.jpg)\n\n**Protecting Your Income When Health Takes Priority.**\n\nCritical illness can change more than just your health, it can affect your ability to work, your income, and your day‑to‑day financial stability. Beyond medical bills, many people face ongoing financial pressures such as loss of income and daily living expenses during recovery.\n\nThat’s why having a critical illness plan matters. It provides financial support when you need time to focus on recovery, helping to ease financial strain and protect your livelihood.\n\n[Reach out to learn more](https:\/\/www.prudential.com.my\/en\/products-health-insurance\/critical-illness-plans\/#reach-out)\n\n## Discover our Critical Illness Plans\n[![](https:\/\/www.prudential.com.my\/export\/sites\/prudential-pamb\/en\/.galleries\/images\/tmcc-thumbnail-366x206.jpg) PRUMy Critical Care Coverage for up to 160 critical illnesses from early to late stages Multiple claims up to 400% rider sum assured Re-diagnosis coverage for Cancer, Heart Attack and Stroke Guaranteed 50% extra coverage boost when you need it most Get expert care and homecare support from diagnosis to recovery](https:\/\/www.prudential.com.my\/en\/products-health-insurance\/critical-illness-plans\/prumy-critical-care\/index.html \"URL \")\n\n[![](https:\/\/www.prudential.com.my\/export\/sites\/prudential-pamb\/en\/.galleries\/images\/pruman_and_prulady_thumbnail.jpg) PRUMan & PRULady Get up to 260% Gender Specific Coverage Choose Cash Rewards from 10 Life Milestones 110% Total Premium Return Wellness Care for Mental & Physical Well-being](https:\/\/www.prudential.com.my\/en\/products-health-insurance\/critical-illness-plans\/pruman-prulady\/ \"URL \")\n\n[![](https:\/\/www.prudential.com.my\/export\/sites\/prudential-pamb\/en\/.galleries\/images\/PRUCancer-X-thumbnail-366x206.jpg) PRUCancer X A lump sum of up to RM2 million if you get cancer Affordable premium Easy enrolment process Compassionate benefit](https:\/\/www.prudential.com.my\/en\/products-health-insurance\/critical-illness-plans\/specific-benefits\/prucancer-x\/index.html \"URL \")\n\n**Terms and Conditions apply.**\n\n## **We’ve Helped Over**   7 Million Lives.\nLet us help you find the right plans that protect what matters most to you.\n\n[![](https:\/\/www.prudential.com.my\/export\/sites\/prudential-pamb\/en\/.galleries\/images\/Saving-Investment-LIFE.png) Life Stay protected today, so you future remains secure, even when life brings the unexpected.](https:\/\/www.prudential.com.my\/en\/products-life-insurance\/ \"URL \")\n\n[![](https:\/\/www.prudential.com.my\/export\/sites\/prudential-pamb\/en\/.galleries\/images\/Saving-Investment-MEDICAL.png) Medical Find the best medical plan that fits you best, whether you are looking for high coverage, smart savings, or all-around protection.](https:\/\/www.prudential.com.my\/en\/products-health-insurance\/medical-plans\/ \"URL \")\n\n[![](https:\/\/www.prudential.com.my\/export\/sites\/prudential-pamb\/en\/.galleries\/images\/home-page-wealth-thumbnail-366x206.png) Wealth & Legacy Protect and grow your wealth while creating a lasting legacy for your loved ones.](https:\/\/www.prudential.com.my\/en\/products-wealth-insurance\/ \"URL \")\n\n## Critical Illness FAQs\n##### 1\\. What is critical illness?\nA critical illness refers to a serious, potentially life‑threatening condition that may require long‑term treatment or recovery and can cause significant financial strain.\n\n##### 2\\. What illnesses does a critical illness plan cover?\nCritical illness plans typically cover a wide range of serious medical conditions, including cancer, heart attack, stroke and coronary bypass. Some plans provide coverage for up to 160 conditions. A lump sum payout is made once the condition is diagnosed, including certain terminal illnesses.\n\n##### 3\\. What are the most common critical illnesses?\nCommon critical illnesses include cancer, heart attack and stroke.\n\n##### 4\\. How does critical illness insurance work?\nOnce you are diagnosed with a covered critical illness and meet policy requirements (such as the survival period), a lump sum payout is made. This can be used for medical costs, daily living expenses or other financial needs during recovery.\n\n##### 5\\. What is a survival period and waiting period in critical illness insurance?\nA survival period is the minimum number of days you must survive after diagnosis before a claim is payable (typically 7 days). A waiting period is the initial period after policy commencement during which certain claims are not covered. Both vary by policy and illness.\n\n##### 6\\. Why is critical illness insurance important?\nCritical illness insurance helps to:\n\n- Cover treatment or recovery costs not paid by your medical plan\n- Support daily living expenses if you are unable to work\n- Cover related costs such as transportation, caregiving or home modifications\n\nThis allows you to focus on recovery without added financial stress.\n\n##### 7\\. Is critical illness insurance worth having?\nYes. While life insurance provides financial protection upon death, critical illnesses can also place a heavy financial burden on families while the insured is still alive. A critical illness payout helps replace lost income and manage expenses during recovery.\n\n##### 8\\. How much critical illness coverage should I get?\nA general guideline is coverage of around 6 times your annual income, to support living expenses, treatment needs and potential loss of income.\n\n##### 9\\. How do I choose the right critical illness insurance plan?\nConsider:\n\n- The range of illnesses covered\n- Your family’s medical history\n- Affordability and financial needs\n- Whether the plan is standalone or a rider\n\nChoose a plan that is flexible and suitable for your long‑term needs.\n\n##### 10\\. How much does critical illness insurance pay out?\nThe payout depends on the sum assured selected under your policy. Please refer to your policy documents for details.\n\n##### 11\\. How much does PRUMy Critical Care cost?\nPremiums depend on factors such as age, medical history, coverage amount and policy term. Speak to our Wealth Planners for a suitable option.\n\n##### 12\\. Can I buy more than one critical illness policy?\nYes. You may hold multiple critical illness policies from Prudential Malaysia or other insurers, provided:\n\n- Premiums remain affordable\n- Total coverage suits your needs\n- You understand each policy’s terms and exclusions\n\n##### 13\\. Is life insurance better than critical illness insurance?\nBoth serve different purposes. Critical illness insurance provides financial support upon diagnosis of a serious illness, while life insurance provides financial protection in the event of death. Many people choose to have both.\n\n##### 14\\. Does critical illness insurance cover accidents?\nCritical illness insurance generally does not cover accidents directly. However, certain accident‑related critical conditions (e.g. traumatic brain injury or total blindness) may be covered, depending on policy terms.\n\n##### 15\\. What is excluded under PRUMy Critical Care?\nExclusions vary by policy but may include pre‑existing conditions, self‑inflicted injuries and non‑disclosure of material information. Always refer to your policy documents for full details.\n\n##### 16\\. Are critical illness premiums tax‑deductible in Malaysia?\nYes. Premiums for life and medical insurance, including critical illness plans, may qualify for tax relief, subject to LHDN limits and eligibility criteria.\n\n##### 17\\. What happens if I cancel my policy or in the event of death?\nIf the policyholder passes away, the sum assured will be paid to the nominated beneficiary, subject to policy terms.\n\nYou may cancel your policy by giving written notice; however, premiums paid may not be refundable and future re‑application may require underwriting.\n\n[Contact us to get a quote.](https:\/\/www.prudential.com.my\/en\/products-health-insurance\/critical-illness-plans\/ \"Contact us to get a quote.\")\n\nInsurance 101\n\n- [Understanding Life Insurance](https:\/\/www.prudential.com.my\/en\/our-company-newsroom\/announcements\/understanding-life-insurance\/ \"Understanding Life Insurance\")\n- [Understanding Medical Revision](https:\/\/www.prudential.com.my\/en\/our-company-newsroom\/announcements\/understanding-medical-revision\/ \"Understanding Medical Revision\")\n- [Service Guide](https:\/\/www.prudential.com.my\/en\/footer-service-guide\/ \"Service Guide\")\n- [Guide to Investment-Linked Policy Owners on Insurance Coverage](https:\/\/www.prudential.com.my\/en\/our-company-newsroom\/announcements\/important-notice-about-your-investment-linked-coverage\/ \"Guide to Investment-Linked Policy Owners on Insurance Coverage\")\n- [Guide to Management of Participating Life Business](https:\/\/www.prudential.com.my\/en\/our-company-newsroom\/announcements\/guide-to-management-of-participating-life-business\/ \"Guide to Management of Participating Life Business\")\n- [Your Rights as a Policyholder](https:\/\/www.prudential.com.my\/en\/footer-your-rights-as-a-policyholder\/ \"Your Rights as a Policyholder\")\n\nProducts\n\n- [Life Insurance](https:\/\/www.prudential.com.my\/en\/products-life-insurance\/ \"Life Insurance\")\n- [Critical Illness Insurance](https:\/\/www.prudential.com.my\/en\/products-health-insurance\/critical-illness-plans\/ \"Critical Illness Insurance\")\n- [Medical Insurance](https:\/\/www.prudential.com.my\/en\/products-health-insurance\/medical-plans\/ \"Medical Insurance\")\n- [Infant & Child Insurance](https:\/\/www.prudential.com.my\/en\/products-infant-child\/ \"Infant & Child Insurance\")\n- [Wealth & Legacy Insurance](https:\/\/www.prudential.com.my\/en\/products-wealth-insurance\/ \"Wealth & Legacy Insurance\")\n- [Savings & Investment Insurance](https:\/\/www.prudential.com.my\/en\/products-wealth-insurance\/savings-investment-plans\/ \"Savings & Investment Insurance\")\n- [EPF i-Lindung](https:\/\/www.prudential.com.my\/en\/our-company-newsroom\/announcements\/epf-i-lindung\/ \"EPF i-Lindung\")\n- [PRUDirect](https:\/\/partnersweb.prudential.com.my\/prudirect\/web\/prudential\/ \"PRUDirect\")\n\nServices & Claims\n\n- [Medical Card Services](https:\/\/www.prudential.com.my\/en\/claims-and-support\/medical-card-services\/ \"Medical Card Services\")\n- [Claims](https:\/\/www.prudential.com.my\/en\/claims-and-support\/how-to-claim\/ \"Claims\")\n- [Support](https:\/\/www.prudential.com.my\/en\/claims-and-support\/ \"Support\")\n- [Payments](https:\/\/www.prudential.com.my\/en\/claims-and-support\/payments\/ \"Payments\")\n- [PRUPrestige](https:\/\/www.prudential.com.my\/en\/claims-and-support\/pruprestige\/ \"PRUPrestige\")\n- [PRUServices](https:\/\/www.prudential.com.my\/en\/pruservices\/ \"PRUServices\")\n- [Customer Engagement Centre](https:\/\/www.prudential.com.my\/en\/contact-us\/customer-engagement-centre\/ \"Customer Engagement Centre\")\n\nLegal & Regulatory\n\n- [Privacy Policy](https:\/\/www.prudential.com.my\/en\/privacy-policy\/ \"Privacy Policy\")\n- [Terms & Conditions](https:\/\/www.prudential.com.my\/en\/footer-terms-conditions\/ \"Terms & Conditions\")\n- [Client Charter](https:\/\/www.prudential.com.my\/en\/our-company-corporate-governance-client-charter\/ \"Client Charter\")\n- [Treat Customer Fairly Charter](https:\/\/www.prudential.com.my\/en\/our-company-corporate-governance-treat-customers-fairly-charter\/ \"Treat Customer Fairly Charter\")\n- [Report A Security Issue](https:\/\/vdp.prudentialcorporation-asia.com\/ \"Report A Security Issue\")\n\nAbout Us & Careers\n\n- [Prudential Malaysia](https:\/\/www.prudential.com.my\/en\/our-company-about-us\/ \"Prudential Malaysia\")\n- [Corporate Governance](https:\/\/www.prudential.com.my\/en\/our-company-corporate-governance-policies\/ \"Corporate Governance\")\n- [Corporate Careers](https:\/\/www.prudential.com.my\/en\/work-with-us-corporate-careers\/ \"Corporate Careers\")\n- [Be a Wealth Planner](https:\/\/pruwealthplanner.com\/home \"Be a Wealth Planner\")\n\nPrudential Malaysia\n\nGround Floor, Menara Prudential, Persiaran TRX Barat, 55188 Tun Razak Exchange, Kuala Lumpur\n\nCustomer Service:\n\n\\+603 2771 0228\n\n[![](https:\/\/www.prudential.com.my\/export\/sites\/prudential-pamb\/en\/.galleries\/images\/PIDM-Logo-64x35.jpg)](https:\/\/www.pidm.gov.my\/pidm2022\/media\/downloads\/Takaful-And-Insurance-Benefits-Protection-System-Brochure.pdf)\n\nClick [here](https:\/\/www.pidm.gov.my\/pidm2022\/media\/downloads\/Takaful-And-Insurance-Benefits-Protection-System-Brochure.pdf) to find out more about PIDM's TIPS\n\nPrudential Assurance Malaysia Berhad is an indirect subsidiary of Prudential plc. Neither Prudential Assurance Malaysia Berhad nor Prudential plc is affiliated in any manner with Prudential Financial, Inc, a company whose principal place of business is in the United States of America or with Prudential Assurance Company, a subsidiary of M\\&G plc, a company incorporated in the United Kingdom.\n\nCopyright © 2020 Prudential Assurance Malaysia Berhad 198301012262 (107655-U). All rights reserved.\n\n- [Facebook](https:\/\/www.facebook.com\/prudentialmalaysia \"Facebook\")\n- [Youtube](https:\/\/www.youtube.com\/user\/PrudentialMY \"Youtube\")\n- [Linkedin](https:\/\/www.linkedin.com\/company\/prudential-assurance-malaysia-berhad\/ \"Linkedin\")\n\nWe use cookies to give you the best possible experience on our website. By continuing to browse this site, you give consent for cookies to be used. If you do not agree to the use of cookies, please amend your browser privacy settings. Please note that some services may not function as intended if cookies are disabled. For more details please read our [**Privacy Policy**](https:\/\/www.prudential.com.my\/en\/privacy-policy\/).\n\nClose\n\n![](https:\/\/www.facebook.com\/tr?id=2483611931760281&ev=PageView&noscript=1)\n\n![](https:\/\/www.facebook.com\/tr?id=7004619352942163&ev=PageView&noscript=1)","attrs_readable_markdown":"## Financial Support When Critical Illness Disrupts Your Income\nCritical illness can pause your life and your income. Get the financial support you need to recover with confidence.\n\n![critical illness](https:\/\/www.prudential.com.my\/export\/sites\/prudential-pamb\/en\/.galleries\/images\/Critical-Illness-Category-Page.jpg)\n\n![](https:\/\/www.prudential.com.my\/export\/sites\/prudential-pamb\/en\/.galleries\/images\/award-logos-2025-v2-1440x180.jpg)\n\n**Protecting Your Income When Health Takes Priority.**\n\nCritical illness can change more than just your health, it can affect your ability to work, your income, and your day‑to‑day financial stability. Beyond medical bills, many people face ongoing financial pressures such as loss of income and daily living expenses during recovery.\n\nThat’s why having a critical illness plan matters. It provides financial support when you need time to focus on recovery, helping to ease financial strain and protect your livelihood.\n\n[Reach out to learn more](https:\/\/www.prudential.com.my\/en\/products-health-insurance\/critical-illness-plans\/#reach-out)\n\nDiscover our Critical Illness Plans\n\n[![](https:\/\/www.prudential.com.my\/export\/sites\/prudential-pamb\/en\/.galleries\/images\/tmcc-thumbnail-366x206.jpg) PRUMy Critical Care Coverage for up to 160 critical illnesses from early to late stages Multiple claims up to 400% rider sum assured Re-diagnosis coverage for Cancer, Heart Attack and Stroke Guaranteed 50% extra coverage boost when you need it most Get expert care and homecare support from diagnosis to recovery](https:\/\/www.prudential.com.my\/en\/products-health-insurance\/critical-illness-plans\/prumy-critical-care\/index.html \"URL \")\n\n[![](https:\/\/www.prudential.com.my\/export\/sites\/prudential-pamb\/en\/.galleries\/images\/pruman_and_prulady_thumbnail.jpg) PRUMan & PRULady Get up to 260% Gender Specific Coverage Choose Cash Rewards from 10 Life Milestones 110% Total Premium Return Wellness Care for Mental & Physical Well-being](https:\/\/www.prudential.com.my\/en\/products-health-insurance\/critical-illness-plans\/pruman-prulady\/ \"URL \")\n\n[![](https:\/\/www.prudential.com.my\/export\/sites\/prudential-pamb\/en\/.galleries\/images\/PRUCancer-X-thumbnail-366x206.jpg) PRUCancer X A lump sum of up to RM2 million if you get cancer Affordable premium Easy enrolment process Compassionate benefit](https:\/\/www.prudential.com.my\/en\/products-health-insurance\/critical-illness-plans\/specific-benefits\/prucancer-x\/index.html \"URL \")\n\n**Terms and Conditions apply.**\n\n## **We’ve Helped Over**   7 Million Lives.\nLet us help you find the right plans that protect what matters most to you.\n\nA critical illness refers to a serious, potentially life‑threatening condition that may require long‑term treatment or recovery and can cause significant financial strain.\n\nCritical illness plans typically cover a wide range of serious medical conditions, including cancer, heart attack, stroke and coronary bypass. Some plans provide coverage for up to 160 conditions. A lump sum payout is made once the condition is diagnosed, including certain terminal illnesses.\n\nCommon critical illnesses include cancer, heart attack and stroke.\n\nOnce you are diagnosed with a covered critical illness and meet policy requirements (such as the survival period), a lump sum payout is made. This can be used for medical costs, daily living expenses or other financial needs during recovery.\n\nA survival period is the minimum number of days you must survive after diagnosis before a claim is payable (typically 7 days). A waiting period is the initial period after policy commencement during which certain claims are not covered. Both vary by policy and illness.\n\nCritical illness insurance helps to:\n\n- Cover treatment or recovery costs not paid by your medical plan\n- Support daily living expenses if you are unable to work\n- Cover related costs such as transportation, caregiving or home modifications\n\nThis allows you to focus on recovery without added financial stress.\n\nYes. While life insurance provides financial protection upon death, critical illnesses can also place a heavy financial burden on families while the insured is still alive. A critical illness payout helps replace lost income and manage expenses during recovery.\n\nA general guideline is coverage of around 6 times your annual income, to support living expenses, treatment needs and potential loss of income.\n\nConsider:\n\n- The range of illnesses covered\n- Your family’s medical history\n- Affordability and financial needs\n- Whether the plan is standalone or a rider\n\nChoose a plan that is flexible and suitable for your long‑term needs.\n\nThe payout depends on the sum assured selected under your policy. Please refer to your policy documents for details.\n\nPremiums depend on factors such as age, medical history, coverage amount and policy term. Speak to our Wealth Planners for a suitable option.\n\nYes. You may hold multiple critical illness policies from Prudential Malaysia or other insurers, provided:\n\n- Premiums remain affordable\n- Total coverage suits your needs\n- You understand each policy’s terms and exclusions\n\nBoth serve different purposes. Critical illness insurance provides financial support upon diagnosis of a serious illness, while life insurance provides financial protection in the event of death. Many people choose to have both.\n\nCritical illness insurance generally does not cover accidents directly. However, certain accident‑related critical conditions (e.g. traumatic brain injury or total blindness) may be covered, depending on policy terms.\n\nExclusions vary by policy but may include pre‑existing conditions, self‑inflicted injuries and non‑disclosure of material information. Always refer to your policy documents for full details.\n\nYes. Premiums for life and medical insurance, including critical illness plans, may qualify for tax relief, subject to LHDN limits and eligibility criteria.\n\nIf the policyholder passes away, the sum assured will be paid to the nominated beneficiary, subject to policy terms.\n\nYou may cancel your policy by giving written notice; however, premiums paid may not be refundable and future re‑application may require underwriting.","meta_canonical":null}

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URL	https://www.prudential.com.my/en/products-health-insurance/critical-illness-plans/
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Meta Title	Discover Our Critical Illness Plans For Peace Of Mind \| Prudential Malaysia
Meta Description	Embrace health challenges with confidence, knowing that you have the financial support to facilitate a worry-free recovery.
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Boilerpipe Text	Financial Support When Critical Illness Disrupts Your Income Critical illness can pause your life and your income. Get the financial support you need to recover with confidence. Protecting Your Income When Health Takes Priority. Critical illness can change more than just your health, it can affect your ability to work, your income, and your day‑to‑day financial stability. Beyond medical bills, many people face ongoing financial pressures such as loss of income and daily living expenses during recovery. That’s why having a critical illness plan matters. It provides financial support when you need time to focus on recovery, helping to ease financial strain and protect your livelihood. Reach out to learn more Discover our Critical Illness Plans PRUMy Critical Care Coverage for up to 160 critical illnesses from early to late stages Multiple claims up to 400% rider sum assured Re-diagnosis coverage for Cancer, Heart Attack and Stroke Guaranteed 50% extra coverage boost when you need it most Get expert care and homecare support from diagnosis to recovery PRUMan & PRULady Get up to 260% Gender Specific Coverage Choose Cash Rewards from 10 Life Milestones 110% Total Premium Return Wellness Care for Mental & Physical Well-being PRUCancer X A lump sum of up to RM2 million if you get cancer Affordable premium Easy enrolment process Compassionate benefit Terms and Conditions apply. We’ve Helped Over 7 Million Lives. Let us help you find the right plans that protect what matters most to you. A critical illness refers to a serious, potentially life‑threatening condition that may require long‑term treatment or recovery and can cause significant financial strain. Critical illness plans typically cover a wide range of serious medical conditions, including cancer, heart attack, stroke and coronary bypass. Some plans provide coverage for up to 160 conditions. A lump sum payout is made once the condition is diagnosed, including certain terminal illnesses. Common critical illnesses include cancer, heart attack and stroke. Once you are diagnosed with a covered critical illness and meet policy requirements (such as the survival period), a lump sum payout is made. This can be used for medical costs, daily living expenses or other financial needs during recovery. A survival period is the minimum number of days you must survive after diagnosis before a claim is payable (typically 7 days). A waiting period is the initial period after policy commencement during which certain claims are not covered. Both vary by policy and illness. Critical illness insurance helps to: Cover treatment or recovery costs not paid by your medical plan Support daily living expenses if you are unable to work Cover related costs such as transportation, caregiving or home modifications This allows you to focus on recovery without added financial stress. Yes. While life insurance provides financial protection upon death, critical illnesses can also place a heavy financial burden on families while the insured is still alive. A critical illness payout helps replace lost income and manage expenses during recovery. A general guideline is coverage of around 6 times your annual income, to support living expenses, treatment needs and potential loss of income. Consider: The range of illnesses covered Your family’s medical history Affordability and financial needs Whether the plan is standalone or a rider Choose a plan that is flexible and suitable for your long‑term needs. The payout depends on the sum assured selected under your policy. Please refer to your policy documents for details. Premiums depend on factors such as age, medical history, coverage amount and policy term. Speak to our Wealth Planners for a suitable option. Yes. You may hold multiple critical illness policies from Prudential Malaysia or other insurers, provided: Premiums remain affordable Total coverage suits your needs You understand each policy’s terms and exclusions Both serve different purposes. Critical illness insurance provides financial support upon diagnosis of a serious illness, while life insurance provides financial protection in the event of death. Many people choose to have both. Critical illness insurance generally does not cover accidents directly. However, certain accident‑related critical conditions (e.g. traumatic brain injury or total blindness) may be covered, depending on policy terms. Exclusions vary by policy but may include pre‑existing conditions, self‑inflicted injuries and non‑disclosure of material information. Always refer to your policy documents for full details. Yes. Premiums for life and medical insurance, including critical illness plans, may qualify for tax relief, subject to LHDN limits and eligibility criteria. If the policyholder passes away, the sum assured will be paid to the nominated beneficiary, subject to policy terms. You may cancel your policy by giving written notice; however, premiums paid may not be refundable and future re‑application may require underwriting.
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Get the financial support you need to recover with confidence. ![critical illness](https://www.prudential.com.my/export/sites/prudential-pamb/en/.galleries/images/Critical-Illness-Category-Page.jpg) ![](https://www.prudential.com.my/export/sites/prudential-pamb/en/.galleries/images/award-logos-2025-v2-1440x180.jpg) Protecting Your Income When Health Takes Priority. Critical illness can change more than just your health, it can affect your ability to work, your income, and your day‑to‑day financial stability. Beyond medical bills, many people face ongoing financial pressures such as loss of income and daily living expenses during recovery. That’s why having a critical illness plan matters. It provides financial support when you need time to focus on recovery, helping to ease financial strain and protect your livelihood. [Reach out to learn more](https://www.prudential.com.my/en/products-health-insurance/critical-illness-plans/#reach-out) ## Discover our Critical Illness Plans [![](https://www.prudential.com.my/export/sites/prudential-pamb/en/.galleries/images/tmcc-thumbnail-366x206.jpg) PRUMy Critical Care Coverage for up to 160 critical illnesses from early to late stages Multiple claims up to 400% rider sum assured Re-diagnosis coverage for Cancer, Heart Attack and Stroke Guaranteed 50% extra coverage boost when you need it most Get expert care and homecare support from diagnosis to recovery](https://www.prudential.com.my/en/products-health-insurance/critical-illness-plans/prumy-critical-care/index.html "URL ") [![](https://www.prudential.com.my/export/sites/prudential-pamb/en/.galleries/images/pruman_and_prulady_thumbnail.jpg) PRUMan & PRULady Get up to 260% Gender Specific Coverage Choose Cash Rewards from 10 Life Milestones 110% Total Premium Return Wellness Care for Mental & Physical Well-being](https://www.prudential.com.my/en/products-health-insurance/critical-illness-plans/pruman-prulady/ "URL ") [![](https://www.prudential.com.my/export/sites/prudential-pamb/en/.galleries/images/PRUCancer-X-thumbnail-366x206.jpg) PRUCancer X A lump sum of up to RM2 million if you get cancer Affordable premium Easy enrolment process Compassionate benefit](https://www.prudential.com.my/en/products-health-insurance/critical-illness-plans/specific-benefits/prucancer-x/index.html "URL ") Terms and Conditions apply. ## We’ve Helped Over 7 Million Lives. Let us help you find the right plans that protect what matters most to you. [![](https://www.prudential.com.my/export/sites/prudential-pamb/en/.galleries/images/Saving-Investment-LIFE.png) Life Stay protected today, so you future remains secure, even when life brings the unexpected.](https://www.prudential.com.my/en/products-life-insurance/ "URL ") [![](https://www.prudential.com.my/export/sites/prudential-pamb/en/.galleries/images/Saving-Investment-MEDICAL.png) Medical Find the best medical plan that fits you best, whether you are looking for high coverage, smart savings, or all-around protection.](https://www.prudential.com.my/en/products-health-insurance/medical-plans/ "URL ") [![](https://www.prudential.com.my/export/sites/prudential-pamb/en/.galleries/images/home-page-wealth-thumbnail-366x206.png) Wealth & Legacy Protect and grow your wealth while creating a lasting legacy for your loved ones.](https://www.prudential.com.my/en/products-wealth-insurance/ "URL ") ## Critical Illness FAQs ##### 1\. What is critical illness? A critical illness refers to a serious, potentially life‑threatening condition that may require long‑term treatment or recovery and can cause significant financial strain. ##### 2\. What illnesses does a critical illness plan cover? Critical illness plans typically cover a wide range of serious medical conditions, including cancer, heart attack, stroke and coronary bypass. Some plans provide coverage for up to 160 conditions. A lump sum payout is made once the condition is diagnosed, including certain terminal illnesses. ##### 3\. What are the most common critical illnesses? Common critical illnesses include cancer, heart attack and stroke. ##### 4\. How does critical illness insurance work? Once you are diagnosed with a covered critical illness and meet policy requirements (such as the survival period), a lump sum payout is made. This can be used for medical costs, daily living expenses or other financial needs during recovery. ##### 5\. What is a survival period and waiting period in critical illness insurance? A survival period is the minimum number of days you must survive after diagnosis before a claim is payable (typically 7 days). A waiting period is the initial period after policy commencement during which certain claims are not covered. Both vary by policy and illness. ##### 6\. Why is critical illness insurance important? Critical illness insurance helps to: - Cover treatment or recovery costs not paid by your medical plan - Support daily living expenses if you are unable to work - Cover related costs such as transportation, caregiving or home modifications This allows you to focus on recovery without added financial stress. ##### 7\. Is critical illness insurance worth having? Yes. While life insurance provides financial protection upon death, critical illnesses can also place a heavy financial burden on families while the insured is still alive. A critical illness payout helps replace lost income and manage expenses during recovery. ##### 8\. How much critical illness coverage should I get? A general guideline is coverage of around 6 times your annual income, to support living expenses, treatment needs and potential loss of income. ##### 9\. How do I choose the right critical illness insurance plan? Consider: - The range of illnesses covered - Your family’s medical history - Affordability and financial needs - Whether the plan is standalone or a rider Choose a plan that is flexible and suitable for your long‑term needs. ##### 10\. How much does critical illness insurance pay out? The payout depends on the sum assured selected under your policy. Please refer to your policy documents for details. ##### 11\. How much does PRUMy Critical Care cost? Premiums depend on factors such as age, medical history, coverage amount and policy term. Speak to our Wealth Planners for a suitable option. ##### 12\. Can I buy more than one critical illness policy? Yes. You may hold multiple critical illness policies from Prudential Malaysia or other insurers, provided: - Premiums remain affordable - Total coverage suits your needs - You understand each policy’s terms and exclusions ##### 13\. Is life insurance better than critical illness insurance? Both serve different purposes. Critical illness insurance provides financial support upon diagnosis of a serious illness, while life insurance provides financial protection in the event of death. Many people choose to have both. ##### 14\. Does critical illness insurance cover accidents? Critical illness insurance generally does not cover accidents directly. However, certain accident‑related critical conditions (e.g. traumatic brain injury or total blindness) may be covered, depending on policy terms. ##### 15\. What is excluded under PRUMy Critical Care? Exclusions vary by policy but may include pre‑existing conditions, self‑inflicted injuries and non‑disclosure of material information. Always refer to your policy documents for full details. ##### 16\. Are critical illness premiums tax‑deductible in Malaysia? Yes. Premiums for life and medical insurance, including critical illness plans, may qualify for tax relief, subject to LHDN limits and eligibility criteria. ##### 17\. What happens if I cancel my policy or in the event of death? If the policyholder passes away, the sum assured will be paid to the nominated beneficiary, subject to policy terms. You may cancel your policy by giving written notice; however, premiums paid may not be refundable and future re‑application may require underwriting. [Contact us to get a quote.](https://www.prudential.com.my/en/products-health-insurance/critical-illness-plans/ "Contact us to get a quote.") Insurance 101 - [Understanding Life Insurance](https://www.prudential.com.my/en/our-company-newsroom/announcements/understanding-life-insurance/ "Understanding Life Insurance") - [Understanding Medical Revision](https://www.prudential.com.my/en/our-company-newsroom/announcements/understanding-medical-revision/ "Understanding Medical Revision") - [Service Guide](https://www.prudential.com.my/en/footer-service-guide/ "Service Guide") - [Guide to Investment-Linked Policy Owners on Insurance Coverage](https://www.prudential.com.my/en/our-company-newsroom/announcements/important-notice-about-your-investment-linked-coverage/ "Guide to Investment-Linked Policy Owners on Insurance Coverage") - [Guide to Management of Participating Life Business](https://www.prudential.com.my/en/our-company-newsroom/announcements/guide-to-management-of-participating-life-business/ "Guide to Management of Participating Life Business") - [Your Rights as a Policyholder](https://www.prudential.com.my/en/footer-your-rights-as-a-policyholder/ "Your Rights as a Policyholder") Products - [Life Insurance](https://www.prudential.com.my/en/products-life-insurance/ "Life Insurance") - [Critical Illness Insurance](https://www.prudential.com.my/en/products-health-insurance/critical-illness-plans/ "Critical Illness Insurance") - [Medical Insurance](https://www.prudential.com.my/en/products-health-insurance/medical-plans/ "Medical Insurance") - [Infant & Child Insurance](https://www.prudential.com.my/en/products-infant-child/ "Infant & Child Insurance") - [Wealth & Legacy Insurance](https://www.prudential.com.my/en/products-wealth-insurance/ "Wealth & Legacy Insurance") - [Savings & Investment Insurance](https://www.prudential.com.my/en/products-wealth-insurance/savings-investment-plans/ "Savings & Investment Insurance") - [EPF i-Lindung](https://www.prudential.com.my/en/our-company-newsroom/announcements/epf-i-lindung/ "EPF i-Lindung") - [PRUDirect](https://partnersweb.prudential.com.my/prudirect/web/prudential/ "PRUDirect") Services & Claims - [Medical Card Services](https://www.prudential.com.my/en/claims-and-support/medical-card-services/ "Medical Card Services") - [Claims](https://www.prudential.com.my/en/claims-and-support/how-to-claim/ "Claims") - [Support](https://www.prudential.com.my/en/claims-and-support/ "Support") - [Payments](https://www.prudential.com.my/en/claims-and-support/payments/ "Payments") - [PRUPrestige](https://www.prudential.com.my/en/claims-and-support/pruprestige/ "PRUPrestige") - [PRUServices](https://www.prudential.com.my/en/pruservices/ "PRUServices") - [Customer Engagement Centre](https://www.prudential.com.my/en/contact-us/customer-engagement-centre/ "Customer Engagement Centre") Legal & Regulatory - [Privacy Policy](https://www.prudential.com.my/en/privacy-policy/ "Privacy Policy") - [Terms & Conditions](https://www.prudential.com.my/en/footer-terms-conditions/ "Terms & Conditions") - [Client Charter](https://www.prudential.com.my/en/our-company-corporate-governance-client-charter/ "Client Charter") - [Treat Customer Fairly Charter](https://www.prudential.com.my/en/our-company-corporate-governance-treat-customers-fairly-charter/ "Treat Customer Fairly Charter") - [Report A Security Issue](https://vdp.prudentialcorporation-asia.com/ "Report A Security Issue") About Us & Careers - [Prudential Malaysia](https://www.prudential.com.my/en/our-company-about-us/ "Prudential Malaysia") - [Corporate Governance](https://www.prudential.com.my/en/our-company-corporate-governance-policies/ "Corporate Governance") - [Corporate Careers](https://www.prudential.com.my/en/work-with-us-corporate-careers/ "Corporate Careers") - [Be a Wealth Planner](https://pruwealthplanner.com/home "Be a Wealth Planner") Prudential Malaysia Ground Floor, Menara Prudential, Persiaran TRX Barat, 55188 Tun Razak Exchange, Kuala Lumpur Customer Service: \+603 2771 0228 [![](https://www.prudential.com.my/export/sites/prudential-pamb/en/.galleries/images/PIDM-Logo-64x35.jpg)](https://www.pidm.gov.my/pidm2022/media/downloads/Takaful-And-Insurance-Benefits-Protection-System-Brochure.pdf) Click [here](https://www.pidm.gov.my/pidm2022/media/downloads/Takaful-And-Insurance-Benefits-Protection-System-Brochure.pdf) to find out more about PIDM's TIPS Prudential Assurance Malaysia Berhad is an indirect subsidiary of Prudential plc. Neither Prudential Assurance Malaysia Berhad nor Prudential plc is affiliated in any manner with Prudential Financial, Inc, a company whose principal place of business is in the United States of America or with Prudential Assurance Company, a subsidiary of M\&G plc, a company incorporated in the United Kingdom. Copyright © 2020 Prudential Assurance Malaysia Berhad 198301012262 (107655-U). All rights reserved. - [Facebook](https://www.facebook.com/prudentialmalaysia "Facebook") - [Youtube](https://www.youtube.com/user/PrudentialMY "Youtube") - [Linkedin](https://www.linkedin.com/company/prudential-assurance-malaysia-berhad/ "Linkedin") We use cookies to give you the best possible experience on our website. By continuing to browse this site, you give consent for cookies to be used. If you do not agree to the use of cookies, please amend your browser privacy settings. Please note that some services may not function as intended if cookies are disabled. 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Readable Markdown	## Financial Support When Critical Illness Disrupts Your Income Critical illness can pause your life and your income. Get the financial support you need to recover with confidence. ![critical illness](https://www.prudential.com.my/export/sites/prudential-pamb/en/.galleries/images/Critical-Illness-Category-Page.jpg) ![](https://www.prudential.com.my/export/sites/prudential-pamb/en/.galleries/images/award-logos-2025-v2-1440x180.jpg) Protecting Your Income When Health Takes Priority. Critical illness can change more than just your health, it can affect your ability to work, your income, and your day‑to‑day financial stability. Beyond medical bills, many people face ongoing financial pressures such as loss of income and daily living expenses during recovery. That’s why having a critical illness plan matters. It provides financial support when you need time to focus on recovery, helping to ease financial strain and protect your livelihood. [Reach out to learn more](https://www.prudential.com.my/en/products-health-insurance/critical-illness-plans/#reach-out) Discover our Critical Illness Plans [![](https://www.prudential.com.my/export/sites/prudential-pamb/en/.galleries/images/tmcc-thumbnail-366x206.jpg) PRUMy Critical Care Coverage for up to 160 critical illnesses from early to late stages Multiple claims up to 400% rider sum assured Re-diagnosis coverage for Cancer, Heart Attack and Stroke Guaranteed 50% extra coverage boost when you need it most Get expert care and homecare support from diagnosis to recovery](https://www.prudential.com.my/en/products-health-insurance/critical-illness-plans/prumy-critical-care/index.html "URL ") [![](https://www.prudential.com.my/export/sites/prudential-pamb/en/.galleries/images/pruman_and_prulady_thumbnail.jpg) PRUMan & PRULady Get up to 260% Gender Specific Coverage Choose Cash Rewards from 10 Life Milestones 110% Total Premium Return Wellness Care for Mental & Physical Well-being](https://www.prudential.com.my/en/products-health-insurance/critical-illness-plans/pruman-prulady/ "URL ") [![](https://www.prudential.com.my/export/sites/prudential-pamb/en/.galleries/images/PRUCancer-X-thumbnail-366x206.jpg) PRUCancer X A lump sum of up to RM2 million if you get cancer Affordable premium Easy enrolment process Compassionate benefit](https://www.prudential.com.my/en/products-health-insurance/critical-illness-plans/specific-benefits/prucancer-x/index.html "URL ") Terms and Conditions apply. ## We’ve Helped Over 7 Million Lives. Let us help you find the right plans that protect what matters most to you. A critical illness refers to a serious, potentially life‑threatening condition that may require long‑term treatment or recovery and can cause significant financial strain. Critical illness plans typically cover a wide range of serious medical conditions, including cancer, heart attack, stroke and coronary bypass. Some plans provide coverage for up to 160 conditions. A lump sum payout is made once the condition is diagnosed, including certain terminal illnesses. Common critical illnesses include cancer, heart attack and stroke. Once you are diagnosed with a covered critical illness and meet policy requirements (such as the survival period), a lump sum payout is made. This can be used for medical costs, daily living expenses or other financial needs during recovery. A survival period is the minimum number of days you must survive after diagnosis before a claim is payable (typically 7 days). A waiting period is the initial period after policy commencement during which certain claims are not covered. Both vary by policy and illness. Critical illness insurance helps to: - Cover treatment or recovery costs not paid by your medical plan - Support daily living expenses if you are unable to work - Cover related costs such as transportation, caregiving or home modifications This allows you to focus on recovery without added financial stress. Yes. While life insurance provides financial protection upon death, critical illnesses can also place a heavy financial burden on families while the insured is still alive. A critical illness payout helps replace lost income and manage expenses during recovery. A general guideline is coverage of around 6 times your annual income, to support living expenses, treatment needs and potential loss of income. Consider: - The range of illnesses covered - Your family’s medical history - Affordability and financial needs - Whether the plan is standalone or a rider Choose a plan that is flexible and suitable for your long‑term needs. The payout depends on the sum assured selected under your policy. Please refer to your policy documents for details. Premiums depend on factors such as age, medical history, coverage amount and policy term. Speak to our Wealth Planners for a suitable option. Yes. You may hold multiple critical illness policies from Prudential Malaysia or other insurers, provided: - Premiums remain affordable - Total coverage suits your needs - You understand each policy’s terms and exclusions Both serve different purposes. Critical illness insurance provides financial support upon diagnosis of a serious illness, while life insurance provides financial protection in the event of death. Many people choose to have both. Critical illness insurance generally does not cover accidents directly. However, certain accident‑related critical conditions (e.g. traumatic brain injury or total blindness) may be covered, depending on policy terms. Exclusions vary by policy but may include pre‑existing conditions, self‑inflicted injuries and non‑disclosure of material information. Always refer to your policy documents for full details. Yes. Premiums for life and medical insurance, including critical illness plans, may qualify for tax relief, subject to LHDN limits and eligibility criteria. If the policyholder passes away, the sum assured will be paid to the nominated beneficiary, subject to policy terms. You may cancel your policy by giving written notice; however, premiums paid may not be refundable and future re‑application may require underwriting.
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