Crisis Defender & Early Crisis Protector - Prudential Malaysia

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Detailed claim illustration on Crisis Defender andEarly Crisis Protector.Assuming Crisis Defender (CD) with sum assured of RM 200,000 and Early CrisisProtector (ECP) with sum assured of RM100,000.Amount ECP remaining CD remainingpayable amount amountInitial AmountRM 100,000RM 200,0001 st ClaimIllness : Stage 1 Hodgkin’s DiseaseCategory : CancerSeverity : LowRM 30,000RM 70,000RM 170,000We will pay out 30% of the ECP sum assured for lowseverity claim under Early Stage Critical Illness Benefit.2 nd Claim3 rd ClaimIllness : Carcinoma in situof the cervixCategory : CancerSeverity : LowIllness : Mastectomy forCarcinoma in situ BreastCategory : CancerSeverity : MediumN/ARM 30,000RM 70,000RM 40,000RM 170,000Since a low severity claim from Cancer Category hasbeen made, we will not pay for any low severity illnessfrom the same category.RM 140,000Since the medium severity illness is from the samecategory, we will pay (60-30)% of ECP sum assured.4 th ClaimIllness : Cystectomy for carcinomain situ Urinary BladderCategory : CancerSeverity : MediumN/ARM 40,000RM 140,000Since a medium severity claim from Cancer Categoryhas been made, we will not pay for any low andmedium severity claim from the same category.
Amount ECP remaining CD remainingpayable amount amount5 th ClaimIllness : Surgery for Type 2Diabetic retinopathyCategory : Diabetic ComplicationsSeverity : SpecialRM 10,000RM 40,000RM 140,000For Special Benefit, we will pay out 10% of ECP sumassured in additional, thus there is no reduction in theECP and CD sum assured.6 th ClaimIllness : Insertion of PacemakerCategory : Heart/ ArterySeverity : LowRM 30,000RM10,000RM 110,000Since it is a claim from a different category, we willpay out the relevant amount (30% of ECP sumassured) for low severity.7 th ClaimIllness : Pending Major OrganTransplantCategory : TransplantSeverity : MediumRM 10,000RM 0RM 100,000Since the reduced amount of benefit is lower than therelevant amount (60% of ECP sum assured), we willpay out the reduced amount.8 th ClaimIllness : Loss of a single handor foot by amputationCategory : Bone/ JointSeverity : MediumN/ARM 0RM 100,000Since ECP has been terminated, we will not pay for allbenefit (including Special Benefit) under ECP.9 th ClaimIllness : Heart AttackCategory : 36 Critical IllnessSeverity : HighRM 100,000RM 0RM 0Although ECP has been fully paid out, we will still paythe benefit under CD as long as there is remainingsum assured in CD.Note:(i) Once Crisis Defender is terminated:All Benefits under Crisis Defender and Early Crisis Protector will not be payable.(ii) Once Early Crisis Protector is terminated:All Benefits under Early Crisis Protector including Special Benefit will not be payable.
Page 3 and 4: All about Crisis DefenderWhat is Cr
Page 5: Early Stage Critical Illness Benefi
Page 9 and 10: Appendix II: List of illnesses, con
Page 11 and 12: Grab a from us,and move forward!For

Crisis Defender & Early Crisis Protector - Prudential Malaysia

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