PRUMax Plus

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    PRUMax Plus (This is an insurance product)

    A LIMITED PAY NON-PARTICIPATING ENDOWMENT INSURANCE PLAN. It provides protection for death, Total and Permanent Disability (TPD) (before attaining age 70), Terminal Illness (TI) and Critical Illness (CI).


Enjoy the one plan that provides you with long-term savings and comprehensive protection for a worry-free life. Start now and ensure a secure future with PRUMax plus - a plan that helps you to save monthly and maximise your protection while giving you plus size benefits.

PRUMax plus is one of the smartest ways to help your hard-earned money work for you!


Up to 2X Basic Sum Assured

for Non-accidental Death/Non-accidental Total & Permanent Disability (TPD)1/Terminal Illness

Up to 4X Basic Sum Assured

for Accidental Death2/Accidental Total & Permanent Disability (TPD)1

Up to 60 months of income

upon Critical Illness

Waiver of premium

upon Critical Illness

Refund upon maturity

Up to 140%3 refund of premium4 upon maturity

Guaranteed cash payment

4% of Basic Sum Assured every 2 years

1 TPD benefit will cease upon attaining the age of 70.
2 Upon Accidental Death after age 70, 200% of the Basic Sum Assured will be payable.
3 If you purchase policy term of 50 years.
4 Including any premiums waived.

Benefits Table

Premium Payment Term and Policy Term
Premium Payment Term Policy Term
10 years 20 years
30 years
20 years 30 years
40 years
50 years
Non-accidental Death / Non-accidental Total and Permanent Disability (TPD)1 / Terminal Illness Benefit (TI)3

Sum Assured applicable
Surrender Value
125% of your total premiums paid (including any premiums waived), whichever is higher.

Sum Assured applicable is in accordance to the table below:

Policy Year % of Basic Sum Assured
1 100%
2 - 4 150%
5 onwards 200%
Accidental Death/ Accidental Total and Permanent Disability (TPD)1 Benefit
Before attaining age 70 400% of Basic Sum Assured
Surrender Value
125% of your total premiums paid (including any premiums waived), whichever is higher.
Attained age 70 and above 200% of Basic Sum Assured
Surrender Value
125% of your total premiums paid (including any premiums waived), whichever is higher.
Waiver of Premium Benefit Upon diagnosis of a CI, the remaining premiums of the policy will be waived. The policy will remain in-force until a death, TPD or TI claim is made, or maturity, whichever is earlier.
Critical Illness (CI) Income Benefit

Upon diagnosis of a CI2, the policy pays a monthly income equivalent to the monthly premium of your plan.

The benefit is payable up to a maximum of 60 monthly payments, death, TPD, TI, surrender or maturity, whichever is earlier, provided that the Life Assured survived 30 days from and including the date the Life Assured is diagnosed as suffering from a CI.

Guaranteed Cash Payment

4% of Basic Sum Assured (BSA) every 2 years starting from the end of Policy Year 2 up to and including maturity.

You can choose to receive your Guaranteed Cash Payment based on these options:

  1. Receive the Guaranteed Cash Payment; or

  2. Accumulate the Guaranteed Cash Payment and earn compounded interest during the entire coverage term.

You can also change between Option 1 and Option 2 at any time. The compounded interest earned under Option 2 is not guaranteed and subject to change.

Maturity Benefit

The following percentage of total premiums paid (including any premiums waived) is payable:

Premium Payment Term (Years) Policy Term (Years)
20 30 40 50
10 100% 100% N/A N/A
20 N/A 100% 120% 140%

1 Total and Permanent Disability (TPD) benefit will cease upon attaining age 70.

2 The Critical Illnesses (CI) covered are Stroke, Heart Attack, Kidney Failure, Cancer, Coronary Artery By-Pass Surgery, Serious Coronary Artery Disease, End-Stage Liver Failure, Fulminant Viral Hepatitis, Coma, Benign Brain Tumor, Paralysis Of Limbs, Blindness, Deafness, Third Degree Burns, HIV Infection Due To Blood Transfusion, Full-Blown AIDS, End-Stage Lung Disease, Encephalitis, Major Organ / Bone Marrow Transplant, Loss Of Speech, Brain Surgery, Heart Valve Surgery, Loss Of Independent Existence, Bacterial Meningitis, Major Head Trauma, Chronic Aplastic Anaemia, Motor Neuron Disease, Parkinson’s Disease, Alzheimer’s Disease / Severe Dementia, Surgery To Aorta, Multiple Sclerosis, Primary Pulmonary Arterial Hypertension, Medullary Cystic Disease, Cardiomyopathy and Systemic Lupus Erythematosus With Severe Kidney Complications.

3 Before the Life Assured reaches the age of five next birthday, the Amount of Benefit for Non-accidental Death Benefit, Non-accidental TPD Benefit or Terminal Illness Benefit that we pay shall be in line with the following Scale of Benefit:

Age Next Birthday (years) Percentage (%) of the Amount of Benefit Payable
1 20
2 40
3 60
4 80
5 and above 100

Amount of Benefit refers to the Sum Assured applicable. In the event that the Amount of Benefit payable after applying juvenile lien is lower than 125% of the total premiums paid (including the portion of premiums waived, if any) or surrender value at the date of event, we shall pay the higher of either 125% of the total premiums paid (including the portion of premiums waived, if any) or the surrender value. Juvenile lien is not applicable to Accidental Death, Accidental TPD, Guaranteed Cash Payment, Waiver of Premium or Critical Illness Income benefit.


Age of Entry

Child - age 1 to 15 next birthday (ANB)
Adult - age 16 to 50 next birthday (ANB)


Visit any UOB Malaysia Branch nearest to you.


Underwritten by:


The above plans are underwritten by Prudential Assurance Malaysia Berhad (107655-U) and distributed by United Overseas Bank (Malaysia) Bhd 199301017069 (271809-K). 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.

The benefit(s) payable under eligible certificate/policy is(are) protected by Perbadanan Insurans Deposit Malaysia (“PIDM”) up to limits. Please refer to PIDM’s Takaful and Insurance Benefits Protection System (“TIPS”) Brochure or contact Prudential Assurance Malaysia Berhad or PIDM (visit