Serious illnesses are not a one-off issue, but can carry a negative domino effect that delays the long road to recovery.
AS people start emerging from the dark shadow of Covid-19 with a heightened awareness of the necessity of healthcare, what’s important is to start planning ahead to ensure that you can live with confidence – ensuring that you are protected, should you face the unthinkable and contract a serious illness in the future.
Aside from the financial burden, what not many will realise is that contracting a serious illness leads to a domino effect that might not be apparent at the outset, be it short- to long-term effect physically, mentally or emotionally.
For instance, as a patient, you are often dependent on family members or those close to them to take care of you – but what if that is not an option? That would mean that the minute you reach home after surgery or require intensive care, the domino effect would start.
You would have to figure out how to get post-operative treatment or care, at the same time having to deal with the loss of income while you are recovering to boot – in the worst case scenario, even losing your job at the weakest point in your life.
These are all very stressful things that may cause mental breakdowns or potentially delay your recovery.
Thus, it’s vital to seriously consider proactive measures to care for your own health and take control of your healthcare journey, while at the same time minimising the other negative impacts that may occur to help you get back on your feet quicker.
Total care before and beyond
PRUAll Care is a first-of-its-kind plan that offers benefits for post-surgery recovery, intensive care and mental health.
Sure, you may already have a medical plan, but what about a critical illness plan? If you are not sure what that means, you first have to understand how normal medical insurance and critical illness plans work.
Medical insurance typically covers medical fees and expenses during hospitalisation, inpatient and outpatient clinic visits, while critical illness plans will usually provide a lump sum amount once a patient is diagnosed with a critical illness on a preset list.
But what these do not cover is serious illnesses, preventive or intensive care, post-surgery recovery and mental healthcare.
That’s where PRUAll Care is looking to change the game.
Touted as a revolutionary product in the market that can provide total care to help you plan ahead and get the most out of life, PRUAll Care is a comprehensive that offers post-surgery recovery, intensive care and mental health benefits. It can help support you through the journey upon diagnosis, covering everything from early stage of critical illness to mental health, as well as major surgeries and intensive care.
By evaluating based on the risk and outcome of serious illnesses and not just critical illnesses – which are not predefined – PRUAll Care covers up to 190 conditions that include early to late stage critical illnesses, special benefits for diabetes and joint-related illnesses, juvenile critical illness, as well as mental health coverage.
To ensure that you are financially covered if you contract a serious illness that renders you unable to work, the payout can also act as income replacement to alleviate your financial burden.
For example, under the Post Surgery Recovery Benefit, you can get 20% of the basic sum assured for three days’ continuous hospitalisation after surgery, which is payable up to five times in your life.
You can claim these based on the type of surgery you underwent and the number of days hospitalised, or the essential life support required and the number of days of ICU admission. What’s best is that it also serves as protection for any new diseases discovered in the future that fit the criteria of the benefits.
The package also goes beyond physical health to cover mental health, which is becoming a more widespread concern among Malaysians today, such as if you are diagnosed with severe obsessive compulsive disorder (OCD), bipolar disorder, schizophrenia and severe major depressive disorder. In addition, PRUAll Care also covers juvenile mental health conditions.
Live with confidence as you plan ahead for total care, before and beyond – only with PRUAll Care.
To stay healthy, prevention is often better than cure, which is the reason Prudential provides preventive care via its health and wellness app – Pulse by Prudential (Pulse). Pulse users can take a 15 minutes health assessment on their overall health status or even talk to a certified doctor via online consultation in Pulse anytime anywhere.
So next time when you talk to your insurance agent, look beyond a critical illness plan, ask for serious illness coverage as well. Look for total, holistic care before and beyond, both physically and mentally.
Sign up today to receive a specially curated Watsons Health Care Box. Moreover, you can enjoy one month premium cashback on PRUAll Care with purchase of PRUWith You or PruWealth Plus.*
For more information, visit the PRUAll Care website, or follow Prudential’s IG and FB, or download the Pulse app and stay tuned for customer-only contests.
*Terms and conditions apply.
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