What is PRUguard my family?

pruguard my family malaysia 1 - What is PRUguard my family?

From the name, is it health and medical plan package for a family?

The answer is NO.

PRUguard my family is an Employee Benefits Solution which offer to company or registered organization.


Every company gives employee benefits like dental, clinical and insurance. Most of the company subscribe for General Insurance for protection and coverage for their staff. But General Insurance have their disadvantages.

Disadvantages of General Insurance

1. Non guaranteed renewal – Every year need to re-apply

2. Premiums increase  every year

3. Insurance company have right not to cover you the next year if the claim made is more than insurance company expected.

4. Protection limit within the company, if the staff quit or retired, then protection stop.

Company gives benefits of insurance but staff still purchasing Life Insurance as a backup.

Protection will stop if staffs been fired, quit or retired. Thus, staff purchase their own insurance with their own salary per month.

Life Insurance is expensive, specially for family

Life insurance with medical card is around RM150 monthly per person. If the family consist of 5 members, the father paying RM750 per month for insurance.

Employer  aware their staff purchasing another insurance for themselves and family? If you are good employer, would you help them to reduce the monthly insurance payment without paying a cent?

pruguard my family malaysia - What is PRUguard my family?

PRUguard my family is a product like normal life insurance in the market , eg PruHealth.  But PRUguard my family only available via company partnership with Prudential. The company do strategic alliance with Prudential and Prudential will open this product to their staff.

PRUguard my family is 30%-50% cheaper . If the father paying RM750 per months, with PRUGuard my family, the price is around RM370 and coverage is still the same.

Advantages of PRUguard my family.

1. 30% – 50% cheaper


3.Protection still continue after retirement or when you are leaving the company.

4.Premiums not increasing yearly.

5. Spouse, parents and kids can participate in this program

Now the employer realize that this plan is better than current the General Insurance in the company. May the employer paying for the PRUguard my family?

Yes. Plus, employer will receive 10 years service fees discount if their are paying for more than 50 policies.

What include in PRUguard my family plan?

1. Death Benefits

2.36 Critical Illness cover

3.Accidental Death and Disablement

4.Medical card up to RM1,500,000 per life time

5. Optional PRUgard my lady for lady. Coverage for women related cancer and illness.

22 responses to “What is PRUguard my family?

  1. Hi, I would like to ask. Can we teachers apply for Pruguard my family under school?

    • zetamiprudential

      Hi Sonia,
      Yes sure teachers can apply with a minimum of 5 participants joining..
      I have emailed to you the details but no reply from you…

  2. mahfizan muhammad

    Assalam. saya perlu coverage untuk isteri dan empat org anak. Please recomend/propose. tks

  3. insuran yang cover suami,isteri dan anak2 ade x?

  4. Salam,saya ada membeli polisi prumedicard untuk anak plan pmm100.
    boleh tak saya upgrade ke plan pmm200 atau pmm300?polisi bertarikh
    tahun 2008.medicard ini juga telah 2 kali saya gunakan…tk…zaid,puncak alam

  5. Pruguard ni cm ING tak yg medical card bleh pakai kt mane2 clinic panel?

    • zetamiprudential

      sent you an email already….other companies clinical card must attached with corporate bodies (eg. company amik utk staff) but gud news…with prudential you now can take up on personal policy…waiting your reply on it…tq

  6. I would like to know more about insurance, what is best for me and my kids

  7. saya berminat nak amik pru guard my family ni adakah boleh sy beli plan ni …….adakah produk ini hanya utk company employerr sahaja

    • firdausprudential

      Hanya tertakluk kepada employee company.

      1. Company tandatangan agreement bersama Prudential.
      2. Staff and ahli keluarga boleh membeli PRUguard my family. Medical card plan dengan 30% cheaper dari market price.
      3. Minimum participant adalah 20 orang.

  8. So PruGuard My Family is not a family pakage? It is for company? is there any plan from prudential to cover family with lower price? as ur example.. famly consist 5 member.. 750 is too expensive.

  9. Please send me some quoate

    myself and kids


    • firdausprudential


      I need details of you

      1. Full Name

      2. Date of Birth

      3. Smoking or not

      4. Annual Income

      5. Contact Number

      6. Location

      7. Married/Single

      8. No of kids

      9. Occupation

      10. Travel a lot?

      and the kids name , date of birth.

  10. I would like to know more about insurance, what is best for me and my kids

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