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PRUGAIN PLUS

  • PRUGain PlusPRUGain Plus

    PRUGain Plus (This is an insurance product)

    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. It also provides a lump sum benefit upon diagnosis of any of the 3 covered critical illnesses (Cancer, Heart Attack and Stroke) under Critical Illness Benefit during the policy term provided the policy remains in force. 

    This plan pays a lump sum benefit either upon maturity of the policy, upon Life Assured’s death during the term of policy or upon Total and Permanent Disability (TPD)1, whichever is earlier. 

    1Prior to the Policy Anniversary of age next birthday (ANB) 70 or expiry of policy, whichever is earlier.

Introduction

To have an enriching life, it is crucial to accumulate our hard-earned money, as it gives us better opportunities and the confidence to live life to the fullest. While we focus on enhancing our lifestyles, we should also be prepared for life’s unexpected events. Did you know that cancer, heart attack and stroke (CHeSt) are among the top killer diseases in Malaysia2? Critical illness can strike anyone without warning, regardless of age, gender or health status. Not only does critical illness take a toll on your physical health, but it also affects your finances and mental well-being. 

Get started on your journey towards an enriched life and be prepared for the future with PRUGain Plus, an endowment participating plan that provides you with guaranteed Survival Benefit and Maturity Benefit to help you fulfil your goals in life while protecting you with the crucial Critical Illness Benefit that you need. PRUGain Plus allows you to accumulate your wealth for the future, and if you fall sick with critical illness, this plan also helps to ease you and your family’s financial burden, allowing you to focus on your health and recovery without financial worries. 


2Statistics on Causes of Death, Malaysia 2021 (dosm.gov.my).

 

Benefits

C overage for 3 major critical illnesses under Critical Illness Benefit — Cancer, Heart Attack and Stroke (CHeSt).

H old onto your life goals with guaranteed annual Survival Benefit and Maturity Benefit.

E ssential coverage for Death and TPD3.

S implified underwriting with just a few health questions asked, provided there is/are no rider(s) attached.

T ailor your plan with the flexibility to choose from various premium payment term and policy term options.

 

3Prior to the Policy Anniversary of ANB 70 or expiry of policy, whichever is earlier.

 

Benefits Table

Premium Payment Term and Policy Term
Premium Payment Term (years) Policy Term (years)
3 12, 15, 20, 30
5 12, 15, 20, 30
10 20, 30

Note: Subject to maximum expiry ANB of 80.
Death Benefit/TPD4 Benefit
Policy Year 1 & 2: We shall pay the higher of:
  1. 100% of the total PRUGain Plus basic premiums paid (inclusive of loading and excluding taxes, if any) LESS total Survival Benefits paid (if any); OR
  2. Guaranteed Surrender Value PLUS any bonuses4 payable on death/TPD4.
LESS Critical Illness Benefit* paid (if any).
Policy Year 3 & onwards: We shall pay the higher of:
  1. 100% of total PRUGain Plus basic premiums paid (inclusive of loading and excluding taxes, if any)
    LESS total Survival Benefits paid (if any);
  2. Basic Sum Assured6 PLUS any bonuses5 payable on death/TPD4; OR
  3. Guaranteed Surrender Value PLUS any bonuses5 payable on surrender (Total Surrender Value).
    LESS Critical Illness Benefit* paid (if any).
Notes:
If the accumulation option is selected, the accumulated Survival Benefit with interest (if any) will be paid together with the Death/TPD4/Surrender/Maturity Benefit, whichever is earlier.
* For child policy, Critical Illness Benefit is referring to the benefit amount before Juvenile Lien is applied.
Critical Illness Benefit6 25% of Basic Sum Assured shall be payable upon diagnosis of any of the 3 covered critical illnesses (Cancer, Heart Attack and Stroke) under Critical Illness Benefit during the policy term provided the policy remains in force.

Notes:

  • Only 1 claim is payable for Critical Illness Benefit during the term of the policy.
  • Policy shall remain in force after the Critical Illness Benefit has been paid, has been paid, where applicable, Death Benefit, TPD4 Benefit, Survival Benefit and Maturity Benefit will still be payable provided the policy remains in force.
Survival Benefit Survival Benefit will be payable upon survival of Life Assured to the end of every policy year provided the policy remains in force. It will cease upon Life Assured’s death during the term of the policy or upon TPD4. The Survival Benefit will be payable as follows:

Premium Payment Term (years) Policy Term, T (years) End of Policy Year % of Basic Sum Assured
3 12 1 to 9 5
10 to 11 15
12 25
15 1 to 12 5
13 to 14 15
15 30
20 1 to 17 5
18 to 19 15
20 80
30 1 to 27 5
28 to 29 15
30 145
5 12 1 to 9 5
10 to 11 15
12 35
15 1 to 12 5
13 to 14 15
15 40
20 1 to 17 6
18 to 19 16
20 126
30 1 to 27 6
28 to 29 16
30 131
10 20 1 to 17 6
18 to 19 16
20 156
30 1 to 27 6
28 to 29 16
30 156

Note: Subject to maximum expiry ANB of 80.

If the accumulation option is selected, the accumulated Survival Benefit with interest (if any) will be paid together with the Death/TPD4/Surrender/Maturity Benefit, whichever is earlier.
Maturity Benefit Upon maturity of the policy, the sum of the following is payable:
  1. 100% of Basic Sum Assured; PLUS
  2. Any bonuses5 payable on maturity; PLUS
  3. Accumulated Survival Benefit with interest (if any).
Optional Riders You may choose from the optional riders to extend your protection net, subject to additional premium and underwriting:

Optional Riders Description
PRUWaiver Plus PRUWaiver Plus ensures continuous protection without the need to pay all future premiums under PRUGain Plus policy if Life Assured is diagnosed with any of the 42 covered Critical Illnesses during the term of the rider or upon TPD4.
Spouse Waiver Plus Spouse Waiver Plus ensures Life Assured will continue to be protected without the need to pay all future premiums under PRUGain Plus policy if the spouse (Insured Life for this rider) dies during the term of the rider, is diagnosed with any of the 42 covered Critical Illnesses during the term of the rider or upon TPD4.
Parent Waiver Plus Parent Waiver Plus ensures Life Assured will continue to be protected without the need to pay all future premiums under PRUGain Plus policy up to Policy Anniversary before Life Assured attains ANB 25 or the end of the premium payment term (whichever is earlier), should the parent (Insured Life for this rider) dies during the term of the rider, is diagnosed with any of the 42 covered Critical Illnesses during the term of the rider or upon TPD4.

Note: For the full list of covered Critical Illnesses under optional riders and exclusions, please refer to PRUGain Plus Product Disclosure Sheet and Sales Illustration.
Underwriting Simplified underwriting with just a few health questions asked, provided there is/are no rider(s) attached. Else, it will be subjected to medical underwriting requirement.


4Prior to the Policy Anniversary of ANB 70 or expiry of policy, whichever is earlier.
5Bonuses consist of Terminal Bonus (TB) and Compound Reversionary Bonus (CRB) and will be paid as a lump sum upon Life Assured’s death during the term of the policy, surrender, maturity or upon TPD4, whichever is earlier. These bonuses are not guaranteed and will depend on the actual operating and investment results experienced by Prudential Assurance Malaysia Berhad (PAMB)’s participating life fund.
6Juvenile lien is applicable for child who dies, suffers from TPD4 or is diagnosed with any of the 3 covered critical illnesses before ANB 5.

Eligibility

Age of Entry Child – ANB 17 to 16
Adult – ANB 17 to 70

7For child plans, minimum entry age is 14 days.

Enrolment

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Disclaimer

Underwritten by:

Prudential

The above plans are underwritten by Prudential Assurance Malaysia Berhad 198301012262 (107655-U). All claims and liabilities arising from the policies should be made with the company.

Prudential Assurance Malaysia Berhad is a licensed insurance company and is regulated by Bank Negara Malaysia. Prudential Assurance Malaysia Berhad is responsible for the products and benefits offered by them, as well as any representation made in any of their marketing materials including United Overseas Bank (Malaysia) Berhad’s marketing material for the products offered by Prudential Assurance Malaysia Berhad.

This content contains only a brief description of the product and is not exhaustive. You are advised to visit any of our branches and to refer to Product Brochure, Product Disclosure Sheet, Product/Sales Illustration and Fund Fact Sheet(s) (if any) before purchasing a policy, and to refer to the terms and conditions in the policy contract for details of the features and benefits under the policy.

Buying life insurance policy is a long-term financial commitment. You should assess the affordability and suitability of the product (including supplementary benefits) that best suits your personal circumstances in relation to your financial goals and risk appetite. To achieve that, we recommend that you speak to your Prudential Representative or UOB Malaysia representative who will perform a needs analysis and assist you in making an informed decision.

Prudential Assurance Malaysia Berhad (PAMB) is a member of Perbadanan Insurans Deposit Malaysia (PIDM). As a member of PIDM, some of the benefits insured under the insurance policies offered by PAMB are protected against loss of part or all of the insurance benefits by PIDM, in the unlikely event of an insurer member failure. For further details of the protection limits and the scope of coverage, please obtain a PIDM information brochure from PAMB or visit the PIDM website or call the PIDM toll free line (1-800-88-1266).