Special COVID-19 Coverage 2021

1. Who is eligible to the Special COVID-19 Coverage?

COVID-19 Cash Relief

Upon hospitalisation in any of the Ministry of Health Malaysia designated hospital due to COVID-19

COVID-19 Death Benefit

Note: 
• *Prudential Malaysia customer means Life Assured/Covered Person of all in-force individual policies/certificates and insured/ covered members of Group policies/certificates (e.g. MRTA policies/MRTT certificates / Credit Shield Plus / PRULoan Protect) underwritten by Prudential Assurance Malaysia Berhad (“PAMB”) or Prudential BSN Takaful Berhad (“PruBSN”) except Group Employer-Employee Benefit policies/certificates. The policies/certificates must be in-force upon diagnosis and/or death. 
• Those, who have previously made a claim under Special COVID-19 Coverage provided by PAMB and PruBSN in 2020, are not eligible for SPECIAL COVID-19 COVERAGE FOR Year 2021.
• ^#Claims limit refers to the fund that PAMB and PruBSN set up to provide SPECIAL COVID-19 COVERAGE FOR YEAR 2021. Any future enhancement to the coverage for Prudential Customers will be part of the RM2,000,000 claims limit as well.

2. How much does this special coverage cost? 

There is no additional cost for this special coverage.

3. How do I sign up for this special coverage? 

For eligible Prudential Malaysia customer, you are automatically enrolled for this special coverage.

4. Can Life Assured/Covered Person seek treatment for COVID-19 at any hospitals?

The Ministry of Health Malaysia (“MOH”) has designated a number of referral hospitals nationwide in handling patients with COVID-19. You may refer here. This list is accurate at time of publication.

5. Will other benefits (e.g. Hospital Benefit/Hospitalisation Allowance/Hospital & Surgical) be payable in accordance to existing policy/certificate?

All existing benefits are payable in accordance with the policy/certificate terms and conditions. The COVID-19 Special Coverage does not impact the existing policy benefits.

6. How do I submit claim for COVID-19 Cash Relief? 

For Prudential Malaysia Customer: 
You can submit the supporting documents as below via email to customer.mys@prudential.com.my or customer@prubsn.com.my or submit them to your agent for the agent’s submission via PRUServe Plus (“PSP”): 

i. Completed medical claim form (for non-PSP submission) and application for direct credit/e-credit details. ii. Medical report/discharge summary/doctor’s statement with complete diagnosis and treatment plan; and iii. Investigation and/or laboratory report with COVID-19 confirmatory test result i.e. nasal/throat swab or other tests as advised by MOH.

Note: The claimant must submit the claim to Prudential within 3 months from diagnosed date. Otherwise, the claim will not be eligible for the benefit.

7. How do I submit claim for COVID-19 Death Benefit? 

You can submit the supporting documents as below via email to customer.mys@prudential.com.my or customer@prubsn.com.my or submit them to your agent for the agent’s submission via PRUServe Plus (“PSP”): 
i. Death claim form completed by nominee(s) or claimant(s) and application for direct credit / e-credit details. 
ii. Snapshot of original death certificate (in colour); 
iii. Medical Attendance Certificate from last attending doctor; 
iv. Copy of the deceased’s NRIC (both sides); 
v. Copy of nominee(s) or claimant(s) NRIC (both sides); vi. Copy of proof of relationship between nominee(s) or claimant(s) and deceased; and 
vii. Evidence of deceased being diagnosed with COVID-19, leading to death (e.g. attending doctor statement, post mortem report, COVID-19 confirmatory test result - nasal/throat swab or others, as advised by MOH). 

Notes: 
1. For credit related policies/certificate, the death benefit will be payable to the claimant (next of kin) instead of Bank (the Policyholder). 
2. The claimant must submit the claim to Prudential within 3 months from date of death. Otherwise, the claim will not be eligible for the benefit.

8. How do I submit Hospitalisation/Pre & Post Hospitalisation/Hospitalisation Benefit/Allowance claims for COVID-19?

In accordance with the below checklist requirement, please submit through customer service e-mail (customer.mys@prudential.com.my or customer@prubsn.com.my) or get your agent to submit in PSP: 
i. Completed medical claim form (for non-PSP submission) and application for direct credit/e-credits details 
ii. Medical report/ discharge summary/doctor’s statement with complete diagnosis and treatment plan 
iii. Investigation/lab report (COVID-19 confirmatory test result - nasal/throat swab, or others as advice by MOH) 
iv. Original itemised bills 
v. Original receipts

9. Is there any exclusion or waiting period imposed?

No exclusion or waiting period is imposed for this Special COVID-19 Coverage.

10. If I have an existing medical claim, am I still entitled to the Special COVID-19 Coverage?

Yes, you’ll be entitled to the Special COVID-19 Coverage even though you have an existing medical claim. Please refer to Q1 for eligibility criteria.

11. I’m tested positive with COVID-19, but I’m not required to be hospitalised, am I eligible for COVID-19 Cash Relief? 

No. You can only be eligible for this Special COVID-19 Coverage, if you are diagnosed positive with COVID-19 and hospitalised in a hospital designated by Ministry of Health Malaysia.

12. I’m tested with positive with COVID-19, but I’m not required to be hospitalised, am I eligible for COVID-19 Cash Relief?

No. You can only be eligible for this Special COVID-19 Coverage, if you are diagnosed positive with COVID-19 and hospitalised in a hospital designated by Ministry of Health Malaysia.

13. I’m hospitalised to undergo COVID-19 test, but I have not been diagnosed positive with COVID-19, am I eligible for COVID-19 Cash Relief?

No. You can only be eligible for this Special COVID-19 Coverage, if you are diagnosed positive with COVID-19 and hospitalised in a hospital designated by Ministry of Health Malaysia.

14. I was admitted to a quarantine station/facility/centre/isolation ward within the hospital building for quarantine and monitoring, due to positive diagnosis of COVID-19, but without any inpatient treatment required. Am I still eligible for the Special COVID-19 Coverage?

No. You can only be eligible for this Special COVID-19 Coverage if you are diagnosed positive with COVID-19 and hospitalised in a hospital designated by the Ministry of Health Malaysia. Warding for quarantine purpose or for just monitoring will not be eligible for such Special COVID-19 coverage. This is because the fund for the Special COVID-19 coverage is limited and we want to ensure that it is available for patients in the most need i.e. patients who require active inpatient treatment.

The MOH has defined various clinical staging (1-5) of symptoms associated with COVID-19. Patients in clinical category 1 to 2 are typically presented with mild disease and generally no treatment is required, and they do not need to be hospitalised. To assess whether the admission is a “quarantine” or “hospitalisation”, we will refer to the medical report/ discharge summary/ doctor's statement. The admission will be considered a ‘hospitalisation’ when the documents report that the patient received active in-hospital treatment (i.e. ventilation support, oxygen supply and intravenous medication) due to a positive diagnosis of COVID-19.

15. If I’m hospitalised due to positive diagnosis of COVID-19 and later I pass away due to COVID-19, what is amount payable under this Special COVID-19 Coverage?

We will pay RM1,000 for COVID-19 Cash Relief and RM10,000 for COVID-19 Death Benefit, subject to achieving overall limit whichever earlier.

16. I am covered under one policy from Prudential Assurance Malaysia Berhad and another two certificates under Prudential BSN Takaful Berhad. Am I eligible for Special COVID-19 Coverage under each of these three policies and certificates?  

No. This Special COVID-19 Coverage is only given to cover you once. You can claim either from PAMB or PruBSN. 

17. Will a claim under this Special COVID-19 Coverage use up the annual/lifetime limit under my medical plan? 

The payout of this Special COVID-19 Coverage will not use up your annual/lifetime limit. However, if you are also entitled to claim under existing medical rider(s), annual/lifetime limit will be deducted accordingly.

18. What if my diagnosis date was between 1 May 2020 and 31 December 2020, am I eligible for this Special COVID-19 Coverage?  

No. However, you are eligible for the previous Special COVID-19 Coverage that we provide for eligibility period between 1 May 2020 and 31 Dec 2020, if you submit your claim within 3 months from the date of diagnosis.

19. How long will it take to process the Special COVID-19 Coverage claims?

Upon receiving the complete documents, the claim payment will be processed within 14 working days. We will be offering Fast Track processing for submission via PSP.

20. Who do I contact for further clarification?

Prudential Assurance Malaysia Berhad
Customer Service Centre
03-2771  0228 or e-mail to customer.mys@prudential.com.my (Monday-Friday, 8.30am-5.15pm)

Prudential BSN Takaful Berhad
Customer Service Centre
603-2775 7188 or e-mail to customer@prubsn.com.my (Monday-Friday, 8.30am-5.15pm)