{"id":50554,"date":"2021-10-29T10:59:51","date_gmt":"2021-10-29T02:59:51","guid":{"rendered":"http:\/\/wordpress-my-161844363.ap-southeast-1.elb.amazonaws.com\/articles\/?p=50554"},"modified":"2021-11-29T10:18:02","modified_gmt":"2021-11-29T02:18:02","slug":"prudential-serious-illness-coverage","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/prudential-serious-illness-coverage","title":{"rendered":"Can Your Finances Withstand A Serious Illness?"},"content":{"rendered":"<p><a href=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2021\/10\/28114240\/Prudential-Logo-Oct2022.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-50616 alignnone\" src=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2021\/10\/28114240\/Prudential-Logo-Oct2022-300x38.jpg\" alt=\"Prudential PRUAll Care\" width=\"300\" height=\"38\" srcset=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2021\/10\/28114240\/Prudential-Logo-Oct2022-300x38.jpg 300w, https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2021\/10\/28114240\/Prudential-Logo-Oct2022.jpg 568w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/a><\/p>\n<p><span style=\"font-weight: 400;\">Have you ever thought about what would happen if something unfortunate happened to you? For example, you got into an accident that affects your motor skills or contracted a serious illness that needs rehabilitation treatment.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You might be thinking that you have nothing to worry about, because you have a medical plan. But what if you need a long time to recover and recuperate from your injury or your illness?\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Serious-illnesses-can-wreak-havoc-on-your-finances\"><\/span><b>Serious illnesses can wreak havoc on your finances<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Contracting a serious illness or getting into a serious accident is already a very harrowing experience to go through, but even recovering or recuperating from the repercussions caused by these incidents can be very hard, both emotionally and financially.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Most of us are aware about how <\/span><a href=\"https:\/\/www.prudential.com.my\/en\/we-do-pulse\/all-stories\/top-3-critical-illnesses-in-malaysia\/\"><span style=\"font-weight: 400;\">expensive<\/span><\/a><span style=\"font-weight: 400;\"> medical treatments for serious illness can be, which is why a basic medical plan is necessary to protect our finances against the high cost of treatment.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">But did you know that just a medical card may not be enough to cover all the costs you need for your treatments?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">That\u2019s because there are lots of hidden costs you will face when recovering or recuperating from a serious illness. This is where critical illness insurance can come to your rescue to provide the financial support not covered by a medical plan.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Let\u2019s take having cancer for an example. A recent <\/span><a href=\"https:\/\/codeblue.galencentre.org\/2021\/10\/01\/time-to-seriously-address-the-expensive-and-rising-cost-of-cancer-yek-ching-kong-dr-nirmala-bhoo-pathy\/\"><span style=\"font-weight: 400;\">study<\/span><\/a><span style=\"font-weight: 400;\"> which followed breast cancer patients over a two-year period revealed a long list of unmet financial needs, even for patients with access to government healthcare facilities and employment medical insurance.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Besides direct expenses to treat the illness including surgery and medicines, other types of costs faced by the patients include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">transport and parking costs for daily outpatient treatment sessions<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">reduced income when other family members need to stop working to care for the cancer patient\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">job loss or taking long periods of unpaid leave when the patient is unable to work after employment medical leave is used up<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">paying for additional childcare or house help when the patient is too ill to look after the household<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">paying upfront for supportive medical equipment which may end up not being claimable under basic medical plans<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">out<\/span><span style=\"font-weight: 400;\">\u2010<\/span><span style=\"font-weight: 400;\">of<\/span><span style=\"font-weight: 400;\">\u2010<\/span><span style=\"font-weight: 400;\">pocket payments for traditional and complementary medicine, including for mental health<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Many other serious illnesses may also need a long period of rehabilitation even after hospitalisation, involving medication, physiotherapy or require professional care programmes. For example, stroke patients often need <\/span><span style=\"font-weight: 400;\">professional caregiving <\/span><span style=\"font-weight: 400;\">until they regain their mobility. This can cost around RM25 per hour to over RM5000 per month.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A critical illness plan can provide a lump sum payment to help cover these additional costs.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"But-not-all-critical-illness-plans-are-created-equal\"><\/span><b>But not all critical illness plans are created equal\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Now that you know the true financial toll of a serious illness, you might be asking, what do you need to cover yourself from such situations?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The answer is simple, you need insurance coverage that can provide a lump sum payment to you to protect your finances from facing financial ruin if something happens to you.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">However, while all critical illness plans do provide a lump sum payout for a predefined list of conditions (usually 36 types of illnesses), many fall short when it comes to looking after your overall health.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For instance, besides the limitation to 36 illnesses, many plans in the market today do not cover the early stages of an illness, provide post-surgery support, or address mental health conditions.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The is where <\/span><a href=\"https:\/\/www.prudential.com.my\/en\/products-health\/critical-illness\/comprehensive\/PruAll-care\/\"><span style=\"font-weight: 400;\"><strong>PRU<\/strong>All Care by Prudential<\/span><\/a><span style=\"font-weight: 400;\"> goes beyond regular critical illness coverage. What makes this plan stand out from all the other critical illness plans in the market today?<\/span><\/p>\n\n<table id=\"tablepress-1716\" class=\"tablepress tablepress-id-1716\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\">Comprehensive coverage for 190 conditions*<\/th><th class=\"column-2\">Provides for your total health needs*<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\">107 illnesses in early and intermediate stage<\/td><td class=\"column-2\">Post-surgery recovery<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\">64 illnesses in late stage<\/td><td class=\"column-2\">Intensive care with life support<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\">6 conditions with special benefits<\/td><td class=\"column-2\">Compassionate benefit upon death<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\">6 conditions under juvenile critical illness<\/td><td rowspan=\"2\" class=\"column-2\">Premium waiver riders for total and permanent disability of policy holder or death<\/td>\n<\/tr>\n<tr class=\"row-6\">\n\t<td class=\"column-1\">7 mental health conditions<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-1716 from cache -->\n<p><span style=\"font-weight: 400;\"><sup>*Terms and conditions apply<\/sup><\/span><\/p>\n<p><span style=\"font-weight: 400;\">With <strong>PRU<\/strong>All Care, you are provided with lump sum payments for an extensive list of serious illness conditions as an income replacement, so that you and your family won\u2019t have to deal with a loss of income during your sickness.<\/span><\/p>\n<p><div class=\"block\"><div><span style=\"font-weight: 400;\">Plus, can your critical illness plan cover mental health treatments?<\/span><\/p>\n<p><a href=\"https:\/\/www.prudential.com.my\/en\/products-health\/critical-illness\/comprehensive\/PruAll-care\/\"><strong>PRU<\/strong>All Care is the game-changing plan in the market to cover mental health conditions!<\/a><\/p>\n<p><span style=\"font-weight: 400;\">This plan helps you deal with the mental blow of a serious illness, as they provide coverage for mental health diseases such as severe major depressive disorder, schizophrenia, bipolar disorder, and severe obsessive-compulsive disorder, which is quite common among serious illness survivors in their long road to recovery.<\/div><\/div><\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"A-one-of-the-kind-insurance-plan\"><\/span><b>A one-of-the-kind insurance plan<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\"><strong>PRU<\/strong>All Care goes beyond standard critical illness coverage by offering lump sum payments for the most relevant serious illnesses today and provides income replacement beyond a predefined list of critical conditions.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For example, if you need major surgery to remove a benign tumor near an important organ, this plan will provide a payout if you need intensive care in hospital, post-surgery costs and even treatment for mental conditions that can arise on the long journey in treating a serious illness.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here\u2019s how <strong>PRU<\/strong>All Care covers your total health needs before, during and beyond a serious illness.<\/span><\/p>\n<p><a href=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2021\/10\/29113647\/PRUAll-illustration.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-50627 size-full\" src=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2021\/10\/29113647\/PRUAll-illustration.jpg\" alt=\"How PRUAll Care protects your life\" width=\"804\" height=\"1148\" srcset=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2021\/10\/29113647\/PRUAll-illustration.jpg 804w, https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2021\/10\/29113647\/PRUAll-illustration-300x428.jpg 300w, https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2021\/10\/29113647\/PRUAll-illustration-800x1142.jpg 800w, https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2021\/10\/29113647\/PRUAll-illustration-768x1097.jpg 768w\" sizes=\"(max-width: 804px) 100vw, 804px\" \/><\/a><\/p>\n<p><a href=\"https:\/\/www.prudential.com.my\/en\/.galleries\/PDF\/PRUAll-Care-Brochure-EN.pdf\"><span style=\"font-weight: 400;\"><sup>Source: https:\/\/www.prudential.com.my\/en\/.galleries\/PDF\/PRUAll-Care-Brochure-EN.pdf<\/sup><\/span><\/a><\/p>\n<p><span style=\"font-weight: 400;\">As we all know, bad things can happen to anyone, anywhere. While we cannot avoid a serious illness affecting our life, we can take steps now to be prepared.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Stop-the-domino-effect-of-serious-illness-with-PRUAll-Care\"><\/span><b>Stop the domino effect of serious illness with PRUAll Care<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Remember, it\u2019s not just for the medical costs of treating a serious illness but also the financial burden from indirect healthcare costs that you should be covered for, to prevent your finances from taking a huge blow and causing a negative chain reaction in your life.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">As a Prudential customer you will also get preventive healthcare resources with the <\/span><a href=\"https:\/\/www.prudential.com.my\/en\/we-do-pulse\/all-stories\/top-3-critical-illnesses-in-malaysia\/\"><span style=\"font-weight: 400;\">Pulse by Prudential App<\/span><\/a><span style=\"font-weight: 400;\">. This health app will help you remain in good health with features such as Health Assessment, Symptom Checker and free telemedicine to provide healthcare at your fingertips.<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><div class=\"block\"><div> Plan ahead now and stack the odds in your favour with <\/span><a href=\"https:\/\/www.prudential.com.my\/en\/products-health\/critical-illness\/comprehensive\/PruAll-care\/\"><span style=\"font-weight: 400;\"><strong>PRU<\/strong>All Care.<\/span><\/a><span style=\"font-weight: 400;\"><\/div><\/div><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Find out how you can stop the domino effect of a serious illness.<\/p>\n","protected":false},"author":51,"featured_media":50630,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[266,133,236],"tags":[208,434],"class_list":["post-50554","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-critical-illness","category-insurance","category-sponsored","tag-featured","tag-prudential"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Do You Think Your Finances Can Withstand A Serious Illness?<\/title>\n<meta name=\"description\" content=\"Recovering from a serious illness or an accident is always rough, and it can be compounded by the financial strain it can cause you. 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