Crisis Defender & Early Crisis Protector - Prudential Malaysia

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What are the exclusions?We shall not pay the Benefit if the illness or condition is caused directly or indirectly by one of thefollowing:Applicable to Crisis Defender and Early Crisis ProtectorApplicable to Early Crisis Protector onlya) Any symptoms occurring within the first:i. 90 days of continuous cover for any illnesses or conditions underEarly Stage Critical Illness Benefit in Early Crisis Protector.ii. 60 days of continuous cover for Heart Attack, Coronary ArteryDisease and Cancer under Crisis Defender and any illnesses orconditions under Special Benefit in Early Crisis Protector.iii. 30 days of continuous cover for other illnesses or conditionsunder Crisis Defender.b) Existence of AIDS or the presence of any HIV infection (except forFull Blown AIDS or AIDS due to Blood Transfusion covered underCrisis Defender).c) Pre-existing illness.a) Self-inflicted injuries while sane orinsane.b) Wilful misuse of alcohol or drugs.c) War, invasion, act of foreign enemyhostilities (whether war be declaredor not) civil war, rebellion,revolution, insurrection, military orusurped power, direct participationin riot, strike or civil commotion.d) Failure to seek or follow reasonablemedical advice.Appendix III: Yearly premium rate of Crisis Defender andEarly Crisis Protector:Crisis Defender yearly premium rate for RM 1,000 sum assuredAge NextExpiry age 70 Expiry age 80BirthdayMaleFemaleMaleFemale1 - 152.85 2.534.32 3.7716 - 203.36 3.005.09 4.4621 - 254.04 3.576.07 5.2926 - 304.92 4.267.29 6.2831 - 356.04 5.108.81 7.4736 - 407.84 6.3210.73 8.9041 - 459.67 7.5313.10 10.6546 - 5012.16 9.1816.42 13.2151 - 5514.73 10.9519.67 15.7556 - 6019.70 13.4526.06 19.3361 - 65N/AN/A30.64 23.8166 - 70N/AN/A36.93 30.42Premium rates showed above are based on non- smoker standard risk and subject to underwriting.Early Crisis Protector yearly premium rate for RM 1,000 sum assuredAge NextExpiry age 70 Expiry age 80BirthdayMaleFemaleMaleFemale19 - 202.46 2.283.72 3.3921 - 252.96 2.714.44 4.0126 - 303.59 3.235.34 4.7631 - 354.41 3.866.45 5.6636 - 405.72 4.787.85 6.7541 - 457.06 5.709.58 8.0846 - 508.89 6.9512.02 10.0251 - 5510.77 8.2814.40 11.9656 - 6014.13 10.2019.05 14.6861 - 65N/AN/A22.35 18.0666 - 70N/AN/A26.24 22.65Premium rates showed above are based on non- smoker standard risk and subject to underwriting.
Grab a from us,and move forward!For personal assistance call 03-2116 0228,e-mail us at customer.mys@prudential.com.myor contact your friendly Prudential Wealth Planner.Important Notes:• This brochure is for illustrative purposes only. You are advised to refer to the Prudential Product DisclosureSheet and Sales Illustration before purchasing a plan, and to refer to the terms and conditions in the policydocument for details of the important features of the plan.• You should assess the affordability and suitability of the product in relation to your financial goals and riskappetite. To achieve this, we recommend you speak to your agent or Wealth Planner who will perform a needsanalysis and assist you to make an informed decision.• Coverage to expiry age is subject to sufficient funds to cover for insurance charges, service charges, guaranteecharges (if any) and administration charges (if any).• There is a free-look period of 15 days after the delivery of your policy to allow you to review it if it meets yourneeds. If the policy is cancelled within this period, the value of units (at next pricing date) plus the unallocatedpremiums, service charge, insurance charges, guarantee charges (if any) and administration charges (if any) lessmedical expenses will be refunded.• If you cancel the policy in the early years, you may not be able to obtain the full value from the amount youhave paid in. Upon surrender, the various benefits under this plan will cease.• Premium rates and insurance charges for this benefit are not guaranteed. We reserve the right to revise thepremium rates and charges at policy anniversary by giving a 90-day prior notice if the actual claims experienceis worse than expected.• Non-payment of premiums may cause this plan to cease.• Prudential Assurance Malaysia Berhad (PAMB) is licensed under the Insurance Act (1996) and is regulated byBank Negara Malaysia (BNM).Please note that this is an insurance product that is tied to the performance of theunderlying assets, and is not a pure investment product such as unit trusts.
Page 3 and 4: All about Crisis DefenderWhat is Cr
Page 5 and 6: Early Stage Critical Illness Benefi
Page 7 and 8: Amount ECP remaining CD remainingpa
Page 9: Appendix II: List of illnesses, con

Crisis Defender & Early Crisis Protector - Prudential Malaysia

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