--- title: "How to Truly Enjoy Life's Big Moments with PRUMan and PRULady" description: "Explore PRUMan & PRULady's unique gender-specific insurance plans, offering robust coverage, cash rewards, and comprehensive well-being support for life's big moments." url: "https://www.mrmoneytv.com/articles/how-to-truly-enjoy-life-s-big-moments-with-pruman-and-prulady/" category: "Personal Finance" author: "Finlit" published: 2024-01-22 source: "Mr Money TV" --- # How to Truly Enjoy Life's Big Moments with PRUMan and PRULady Explore PRUMan & PRULady's unique gender-specific insurance plans, offering robust coverage, cash rewards, and comprehensive well-being support for life's big moments. ## Key takeaways - PRUMan and PRULady are gender-specific critical illness plans from Prudential, built around the different health needs of men and women. - Coverage goes up to 260%, with a guaranteed 100% payout on diagnosis, up to 60% more for recovery, and a 50% lump sum for an early cancer sign like Carcinoma-in-situ. - Fertility care is covered up to RM 15,000 per life. - Big life moments like marriage, homeownership, parenthood, and retirement can trigger up to 3 cash rewards, each worth 3% of your basic sum assured (BSA). - Mental health struggles and skin concerns like acne are covered up to RM 5,000 per life. - The plans pay cash back with age: 5% of total premium paid at 60, another 5% at 65, and 100% at 70, for 110% of premiums returned in total. Our society is always changing, right? We’re no longer seeing those old school ideas about men and women. All those rigid boundaries are fading and it’s making room for a more dynamic blend of gender roles. But this shift doesn’t erase the unique biological and physical differences between men and women - as the old saying goes, “men are from Mars, women are from Venus.”  [Harvard Health](https://www.health.harvard.edu/newsletter_article/mars-vs-venus-the-gender-gap-in-health) highlights an overlooked reality: men often face more chronic illnesses and shorter life spans compared to women. Prudential pays attention to these kinds of things! That’s why they created PRUMan and PRULady - specialized gender-specific critical illness plans. These plans are not just insurance; they’re finely tuned to cater to the distinctive needs of both genders.  Now, let’s shine a spotlight on what makes PRUMan and PRULady stand out.  ## Robust coverage up to 260% for Bouncing Back and Living It Up Face a diagnosis with confidence, with a guaranteed 100% payout and up to 60% for your recovery journey. Plus, for an early sign of cancer, like Carcinoma-in-situ, they provide a 50% lump sum payout. And they’re even throwing in fertility care coverage – yup, up to RM 15,000 per life! ## Cheers to Your Victories: A Bonus for Every Win with PRUMan and PRULady ![PRUMan PRULady asian moving renovation house](../../assets/articles/how-to-truly-enjoy-life-s-big-moments-with-pruman-and-prulady/img-1.png) Imagine scoring that long-awaited promotion at work! Friends and family are cheering, and guess who's joining the celebration? PRUMan and PRULady, handing you a cash reward. The best part? Life’s full of these big moments – marriage, homeownership, parenthood, and retirement. Bag up to 3 rewards, each worth 3% of your basic sum assured (BSA). ## Full-On Well-being, Inside Out! Prudential cares about the good stuff – not just major life events, but your overall well-being. Struggling with mental health or battling acne? PRUMan and PRULady offer coverage up to RM 5,000 per life to deal with these. Because feeling good means taking care of yourself, inside and out. ## Cheers to Your Golden Years: Bonus Bonanza! ![PRUMan PRULady asian couple old](../../assets/articles/how-to-truly-enjoy-life-s-big-moments-with-pruman-and-prulady/img-2.png) Hit 60, and it's party time! PRUMan & PRULady are throwing in a cash reward – 5% of the total premium paid. The fun continues at 65 with another 5%. And the cherry on top? At 70, you get 100% - in total you’ve racked up 110% of all your premiums back. That’s more dough for living it up in retirement! Ready to kickstart your wild, free, and carefree journey with PRUMan and PRULady? They’re more than just plans; they’re your ticket to financial freedom and solid support. Click [here](https://bit.ly/mmtvpru) to dive into the awesomeness! *Subscribe to our f*[*inancial newsletter*](https://www.mrmoneytv.com/) *for the latest news, insights, and advice on personal finance, investing, and more. With every email, you’ll gather the confidence and knowledge to make informed decisions to achieve your financial goals.* ## Frequently asked questions ### What do PRUMan and PRULady cover? PRUMan and PRULady are Prudential's gender-specific critical illness plans, designed around the different health needs of men and women. Coverage goes up to 260%. On diagnosis you get a guaranteed 100% payout, plus up to 60% for your recovery journey. An early sign of cancer, like Carcinoma-in-situ, pays a 50% lump sum, and fertility care is covered up to RM 15,000 per life. ### What cash rewards do PRUMan and PRULady give for life milestones? When you reach big life moments like marriage, homeownership, parenthood, or retirement, PRUMan and PRULady hand you a cash reward. A long-awaited work promotion counts as the kind of win worth celebrating too. You can claim up to 3 rewards in total, each worth 3% of your basic sum assured (BSA), on top of your illness protection. ### What cash back do PRUMan and PRULady give at older ages? The plans reward you as you age. At 60, you get a cash reward of 5% of the total premium paid, and at 65 you receive another 5%. At 70, you get 100%, which brings your total to 110% of all the premiums you paid, back in your pocket for living it up in retirement. ### Do PRUMan and PRULady cover mental health? Yes. Beyond major illness, PRUMan and PRULady cover your overall well-being. Struggles with mental health, or skin concerns like acne, are covered up to RM 5,000 per life. The idea is that feeling good means taking care of yourself inside and out, not just being protected against big medical events.