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The additional features that the PRUcash plan offers are:
- PRUmajor med 3 - Covers large medical bills for hospitalization or outpatient treatment due to illnesses/injuries. Provides emergency medical assistance.
- PRUmed - Provides fixed cash benefit for hospitalization, intensive care and surgical procedures due t... | What additional features does PRUCash plan offer you? | |
Apart from the cash survival benefit, Prudential also lets you share in the profits when you receive the Reversionary Bonus#1 and Terminal Bonus#2. The bonuses are declared annually and are payable upon death or total permanent disability (TPD), policy maturity
or upon surrender of policy | What are the bonuses of PRUCash policy? | |
here are the key points about Reversionary Bonus in the PRUcash plan:
• Will be available from the calendar year following the second policy anniversary.
• Will be payable upon the maturity of the plan, death or TPD of the life assured or upon policy surrender.
• The policy will have cash value after at least 3 years’ ... | what are key points of Reversionary bonus | |
Will be payable upon maturity of the plan, death or TPD of the life assured or upon policy surrender. | what are key points of Terminal bonus | |
Based on the document, here is what will be paid out under different scenarios for the PRUcash plan:
Upon Death or Maturity:
- The sum assured
- Reversionary bonus
- Terminal bonus
- Any accumulated cash (with interest)
Total and Permanent Disability (TPD):
- Pays in the same way as death benefit
Upon surrender of ... | What will be benefits of PRUCash plan? | |
This plan is ideal for those who:
• want a plan which combines savings and protection.
• value liquidity and wish to receive regular cash benefits even as their savings continue to grow.
• want guaranteed payout of the sum assured plus bonuses of their insurance
Policy. | Who can take PRUCash plan? | |
Yes, the PRUcash plan is available as a juvenile plan as well.
For a juvenile plan, in the event of a total permanent disability (TPD) or death occurring to the child before the age of 5, the proportion of the basic sum assured paid is:
20% at age 1
40% at age 2
60% at age 3
80% at age 4 | Is PRUCash available for Juvenile? | |
The premium rate will vary by entry age, gender and smoking status. | what is premium amount for PRUCash plan? | |
Premiums are payable throughout the term of the policy and can be paid in yearly, half-yearly, quarterly or monthly mode via the Autodebit, Banker’s Order, Credit
Card, Cash or Cheque. | How frequent and how can I par the premium for PRUCash? | |
the following types of loans are available under the PRUcash plan:
Policy Loan: This allows you to borrow against the cash value of your policy. The terms and conditions for the policy loan are as per the policy contract.
Automatic Premium Loan: If you are unable to pay a premium on time, the outstanding premium can b... | Is there any loan available against PRUCash plan? | |
Shorter Premium Payment Terms with Longer Cash Payout Terms in the PRUcash Double Reward plan:
This plan offers a choice of premium payment terms of 5, 10, 15 or 20 years. The policy term or coverage duration can be up to 40 years.
So you get flexibility to pay premiums for a shorter duration while getting benefits fo... | Details on Shorter premium payment terms benefit of prucash double reward | |
PRUcash double reward is a regular premium anticipated endowment plan that gives you an annual guaranteed payout from the end of the first policy year in addition to coverage on death and Total and Permanent Disability (TPD). | What is PRUcash double reward? | |
In addition to the annual guaranteed cash payment, Prudential gives you bonuses2 & 3 which are declared annually and are payable should you pass on, suffer from TPD, reach policy maturity or upon surrender of the policy. | What are the non-guaranteed bonuses available? | |
1. Upon Death
The higher of:
(a) Total current basic sum assured plus bonuses2 & 3; or
(b) Total basic plan’s premium’s paid, minus all Annual Guaranteed Payout received;
plus
All accumulated Annual Guaranteed Payout with interest (if any).
Upon Maturity:
(a) Total initial basic sum assured; plus
(b) Final year Annual ... | What are the benefits of PRUcash double reward plan? | |
Just by paying additional premium, the following plans/riders can be added to your PRUcash double reward plan so you can enjoy greater coverage for better overall protection.
PRUlegacy:
Pays the remaining Annual Guaranteed Payout to the Life Assured’s nextof-kin should the Life Assured suffer from TPD before age 60 or... | What supplementary benefits does this plan offer to me? | |
This plan is available for individuals between the ages of 1 – 65 years on their next birthday who:
• Want a savings plan with double protection
• Want a steady stream of payouts and bonuses
You can also take up this plan for your child who is under the age of 15 years on their next birthday | Who can take up PRUcash double reward? | |
Premiums payable is determined by your entry age, gender, smoking status and the type of plan chosen.
Premiums can be paid yearly, half-yearly, quarterly or monthly via Auto Debit, Credit Card, Cash or Cheque. | How much premium do I need to pay for PRU cash double reward plan? | |
PRUEnhanced Cover is a regular premium investment-linked insurance plan which covers Total and Permanent Disability (TPD) and accidental death (AD) prior to the Policy Anniversary of age 70 or expiry of the policy, whichever is earlier, and death of the Life Assured during policy term. It comes with guaranteed rates of... | What is PRUEnhanced Cover? | |
1. Death Benefit:
In the event of death of the Life Assured, the higher of the following will be payable: a) Basic Sum Assured (BSA)*; or b) value of units in BUA, plus value of units in IUA (if any). Note: *The BSA payable shall be in line with the Increasing Basic Sum Assured as below:
For End of Policy Year 1: 103 ... | What are the benefits of PRUEnhanced Cover? | |
PRUEnhanced Cover can be availed by child aswell as adult. For chile the age should be between years 1 to 18 and for adults it should be between 19 to 70. For child plans, minimum entry age is 14 days. | Who can take up PRUEnhanced Cover plan? | |
Premiums can be paid yearly, half-yearly, quarterly or monthly via Cash/Cheque, Credit/Debit Card or Direct Debit (via UOB account). Premiums vary by age, gender, smoking status, occupational class, coverage selected, policy term and underwriting condition. Premium Payment Period for PRUEnhanced plan are
5 years, 8 ye... | How do I pay the premium for PRUEnhanced Cover Plan? | |
PRUEnhanced Cover will expire upon Policy Anniversary of Life Assured’s age 100. The policy coverage term and benefits payable shall depend on the policy having sufficient value of units to cover all the policy charges. This would mean that the policy needs to have a positive value of units in order for coverage to rem... | How do I enjoy continuous coverage of PRUEnhanced Cover plan up to age 100? | |
Minimum Basic Sum Assured RM500,000 and Maximum Basic Sum Assured Subject to underwriting. Basic Sum Assured is subject to the Increasing Basic Sum Assured table and any decrease of sum assured via endorsement and the accelerated sum assured paid out due to TPD. | What is the minimum and maximum Basic Sum Assured of PRUEnhanced this plan? | |
Your regular premium consists of: • BUA Premium • IUA Premium (if PRUSaver/PRUSaver Kid is selected). Your premium paid will be allocated to buy units in the PRULink Fund(s), PRULink Global Fund(s) and/or PRULink Local and Global Fund(s) that you have selected. For more information on these funds, please refer to the F... | How will my regular premium be allocated for PRUEnhanced cover plan? | |
Your premium paid will be allocated to buy units in the PRULink Fund(s), PRULink Global Fund(s) and/or PRULink Local and Global Fund(s) that you have selected. The premium direction for your policy depends on the fund(s) selected by you. You may select more than one fund to be invested depending on your risk appetite a... | Where does PRUEnhanced Cover plan invest the funds? | |
Here are the riders with PRUEnhanced plan.
1. Level SA Rider 2.0: Level SA Rider 2.0 pays the rider sum assured in one lump sum upon death of the Life Assured prior to expiry of the rider. It comes with benefit term of 5, 10, 20, or 30 years. Benefit term cannot be longer than policy term.
2. Payor Basic 2.0Payor Basic... | What are the optional riders attachable to the basic PRUEnhanced plan? | |
1. Insurance Charge:
• For PRUEnhanced Cover, the rates of insurance charge for both basic plan and its optional riders are guaranteed.
• Monthly insurance charges are levied depending on your Basic Sum Assured, value of units in BUA, attained age, gender, smoking status, occupation class and underwriting condition amo... | What are the fees and charges involved with PRUEnhamced Cover plan? | |
There is no waiting period for the death and TPD coverage under PRUEnhanced Cover. The waiting periods for other optional riders are detailed in the Product Disclosure Sheet and Product Illustration. | What are the waiting periods that for PRUEnhanced cover plan I should be aware of? | |
• Suicide - if death was due to suicide within one year from the effective date of policy or the date of policy revival, whichever is later, the value of units at the
valuation date after the date of notification shall be payable.
• Total and Permanent Disability (TPD) benefit is not payable if the disability is direct... | What are the major exclusions under PRUEnhanced Cover? | |
Should you require additional information about PRUEnhanced Cover, you may visit the nearest UOB Malaysia Bank Branches. Alternatively you could visit www.UOB.com.my for more details. | How do I find out more about PRUEnhanced Cover? | |
1. PRUWaiver Plus: PRUWaiver Plus ensures continuous protection without the need to pay all future premiums under PRUEnrich Gain policy if Life Assured is diagnosed with any of the 42 covered Critical Illnesses during the term of the rider or upon TPD.
2. Spouse Waiver Plus: Spouse Waiver Plus ensures Life Assured will... | What are the Optional Riders available for PRUEnrich Gain? | |
PRUEnrich Gain is a limited pay anticipated endowment participating insurance plan that offers insurance coverage and wealth accumulation. Survival Benefit will
be payable upon survival of Life Assured to the end of every policy year provided the policy remains in force. This plan pays a lump sum benefit either upon ma... | What is PRUEnrich Gain? | |
The premium you pay depends on your entry age, gender, smoking status, your chosen Basic Sum Assured, premium payment term, premium payment frequency, premium payment method, policy term and optional rider(s) (if any) among other factors. | How much premium do I need to pay for PRUEnrich Gain plan? | |
Medical underwriting shall be waived if you purchase the basic plan only and the aggregate Basic Sum Assured is within the GIO limit RM1,000,000 per life for
PRUEnrich Gain, PRUFlexi Gain, PRUValue Gain and PRUWealth Gain for in forced policies within the last 36 months, where applicable. | What are the requirements to entitle for Guaranteed Issuance Offer (GIO)? | |
1. Compound Reversionary Bonus (CRB):
This is a non-guaranteed bonus which is allocated and added to the Basic Sum Assured of a participating policy, usually on an annual basis. It will be payable in
full if the Life Assured dies during the policy term, at the maturity date or upon TPD15, whichever is earlier. If you ... | What type of bonuses will I enjoy for PRUEnrich Gain plan? |
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