Prudential Malaysia Assurance Berhad (PAMB) has introduced PRUMan & PRULady - two comprehensive plans to address the unique and different health and risk needs specific to men and women.
PAMB’s claims paid out data highlights this difference. In the first half of 2023, breast cancer had the highest claims paid out in the medical claims category, with an increase of 19.3% during the same period.
Breast cancer is the most common form of cancer affecting women in Malaysia, about one in 19 women in this country are at risk.
For Malaysian men, prostate cancer remains the third most common cancer with a prevalence of 7.7 cases per 100,000 population in Malaysia.
PRUMan and PRULady move beyond the standard insurance plans as they also reward customers for achieving key milestones in life.
With the Life Celebration Benefit, customers will be rewarded with up to 3% of their Basic Sum Assured when they celebrate one out of 10 key milestones, such as purchasing their first property, receiving a career promotion, or getting married.
This benefit is claimable up to 3 times.
Customers are eligible to get a total of 110% of total premium paid (TTP). This is broken down to 5% at 60 years old, another 5% at 65 years old and the remaining 100% when they reach 70 years old.
The plans offer up to 260% comprehensive coverage for gender specific cancers such as breast, ovarian, cervical, prostate, and testicular as well as other diseases.
Both plans include Fertility Care benefit of up to MYR15,000, for In-Vitro Fertilization (IVF) and Intrauterine Insemination (IUI) treatment. Another first in the market is that the Fertility Care benefit covers cryopreservation for sperm and oocyte if a patient needs to undergo chemotherapy or radiotherapy.
Understanding the importance of maintaining emotional health and physical well-being care, both plans provide Wellness Care coverage of up to MYR5,000 for Mental Care and Severe Acne Diagnosis, also a first in the market.
PRUMan and PRULady plans are ideal plans for young men and women as premiums start from as low as MYR53 per month only.