PRUlady plans - Celebrating the woman in you

  • pruladyprulady

    Walks with you Throughout Your Life's Journey


Celebrate the joys of being a woman with a protection plan that will always take care of you, no matter what happens.

Women are the real architects of society. We build and influence the people around us through the different roles we play throughout life – a daughter, sister, wife, mother, colleague, friend, and the list goes on. This makes us special. This makes you special.

PRUlady plans provide financial protection against the major concerns and illnesses which confront all women, every day.


PRUlady plans are regular premium non-participating life insurance plans that provide comprehensive coverage up to age 70 for women of all walks of life.

There are two plans to choose from – PRUlady care and PRUmother care.

PRUlady care provides coverage for female illnesses, disability before attaining the age of 70 years old, or death. In addition, it also pays Life Change Benefit for various life events, Snatch Theft, Recovery Benefit and biennial Health Screening Benefit. Upon maturity, total premiums that you have paid (excluding extra premium charged for sub-standard life and service tax, if applicable) will be refunded to you.

PRUmother care provides all the coverage and benefits that is available under PRUlady care and much more. It protects expectant mothers against pregnancy complications and their child against congenital anomalies. What’s more, it celebrates the birth of a child with you, by providing a Delivery Benefit.

  1. Additional benefits that addresses your concerns

    There are many unfortunate events that occur more frequently to women. Rest assured, PRUlady plans addresses those concerns by including additional benefits relevant to females such as compensation for snatch theft, facial reconstructive surgery due to cancer or accident and biennial health screening benefit.

    For aspiring mothers, there are additional benefits available that covers pregnancy complications, congenital illnesses and delivery bills

  2. Further rewards… because you truly deserve it

    We will reward you at different life events, up to a maximum of 12% of the sum assured per policy.

    At the end of your journey with us, which is upon the maturity of your policy, 100% of the total premiums you have paid will be refunded (excluding extra premium charged for sub-standard life and service tax, if applicable).

Benefits Table

Lady Benefits (Applicable for PRUlady care and PRUmother care)

Plan 1 2 3 4
Basic Sum Assured (BSA) RM 50,000 RM 75,000 RM 100,000 RM 150,000
Death or Total and Permanent Disability (TPD) 100% of the Basic Sum Assured1
Female Illnesses Benefit
  1. Female Cancer
    • Cancer of the breast, cervix uteri, fallopian tube, ovary, uterus or vagina / vulva; or

  2. Systemic Lupus Erythematosus (SLE) with Lupus Nephritis
100% of the Basic Sum Assured1
  1. Female Carcinoma-in-situ (CIS)
    • Carcinoma-in-situ of the breast, cervix uteri, fallopian tubes, ovary, uterus, or vagina/vulva
50% of the Basic Sum Assured, claimable once
  1. Uterine Fibroid, Ovarian Cyst or Polycystic Ovarian Syndrome with infertility
RM 1,500 RM 2,250 RM 3,000 RM 4,500
Sum Assured Bounce-back Feature for Female CIS will reduce the BSA by 50%. The BSA will revert back to the original BSA after 6 months from the diagnosis date of Carcinoma-in-situ.2
Recovery Benefit
  1. Osteoporotic Fracture;
  2. Rheumatic Arthritis;
  3. Facial Reconstructive Surgery due to Cancer or Accident;
  4. Skin Grafting due to Burn or Skin Cancer;
  5. Breast Lumpectomy or Mastectomy due to Carcinoma-in-situ, Cancer or Accident;
  6. Breast Reconstructive Surgery following a Mastectomy die to Carcinoma-in-situ, Cancer or Accident; or
  7. Surgical Removal of Female Reproductive Organ due to Carcinoma-in-situ, Cancer or Accident

30% of the Basic Sum Assured per claim

Maximum 2 claims are allowed and only 1 claim per category applies.

Life Change Benefit
  1. Marriage
  2. Childbirth
  3. Buy a Property
  4. Retirement
  5. Death of Spouse
Subject to Maximum 12% of Basic Sum Assured
  1. 3% of Basic Sum Assured;
  2. 3% of Basic Sum Assured per childbirth;
  3. 3% of Basic Sum Assured;
  4. Up to 12% of Basic Sum Assured;
  5. Up to 12% of Basic Sum Assured.
Snatch Theft RM 100 RM 100 RM 200 RM 200
Biennial Health Screening RM 500 voucher RM 500 voucher RM 500 voucher RM 1,000 voucher
Maturity Benefit 100% refund of total premiums paid (exclude the extra premium charged for sub-standard life and service tax, if applicable)
Mother Benefits (Only applicable for PRUmother care)
Pregnancy Care Benefit
  1. Death of Child (within 30 days of birth);
  2. Death of Foetus (after 28th week of pregnancy);
  3. Disseminated Intravascular Coagulation (after 7 months of pregnancy);
  4. Eclampsia;
  5. Ectopic Pregnancy;
  6. Hydatidiform Mole; or
  7. Late Miscarriage (after 18th to 28th week of pregnancy)
10% of the Basic Sum Assured, claimable once
Baby Care Benefit
  1. Atrial Septal Defect requiring surgency;
  2. Cleft Lip and/or Cleft Palate requiring surgery;
  3. Down's Syndrome;
  4. Patent Ductus Arteriosus requiring surgery'
  5. Spina Bifida;
  6. Tetralogy Of Fallot;
  7. Transposition of the Great Vessels; or
  8. Ventricular Septal Defect requiring surgery
10% of the Basic Sum Assured, claimable once
Delivery Benefit Up to 5% of the Basic Sum Assured, per lifetime

*All benefits are subject to the waiting periods and survival periods. Please refer to the Policy Document for the detailed terms and conditions.


PRUlady plans Entry age
PRUlady care 17 - 50 age next birthday
PRUmother care 17 - 45 age next birthday

Underwritten by:


This is for your general information only. You are advised to visit any of our branches and ask for a copy of Product Brochure, Product Disclosure Sheet and Sales Illustration before purchasing a plan, and to refer to the terms and conditions in the policy document for details of the important features of the plan.

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 Bank Representative who will perform a needs analysis and assist you in making an informed decision.

The above plans are underwritten by Prudential Assurance Malaysia Berhad (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.

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).