Discover the Control to Pay Less
Be in control – pay less when you claim less. With PRUMillion Med Active, you can now save on your medical insurance charges by staying healthy, without compromising on your coverage.
Safeguard yourself with high coverage against rising medical expenses. In bringing health within reach, our reason is you.
Download the leaflet in your preferred language.
Be In Control with PRUMillion Med Active
Instant discount up to 15% off your Medical Insurance Charges
Make no claims and enjoy discounted insurance charges yearly.
Discover how active pricing works here.
High Annual limit
Comprehensive Cancer Protection
Boost your coverage with Active Booster
Safeguard yourself against rising healthcare cost
Save more on your insurance premiums
A deductible / co-insurance helps you to reduce your premium due to lower insurance charges, thus helping you to save more over time without compromising your coverage.
- Deductible options from min. RM500 - RM10,000 (per annexure year)
- Co-insurance of 10% (min. RM500, max RM20,000) (per claim)
Deductible is usually a fixed amount you pay out of your pocket for medical expenses before your medical plan starts to pay out.
Co-insurance is a cost-sharing arrangement in which the policyholder pays a percentage of the covered medical expenses.
Boost Your Coverage with Active Booster
High Coverage with No Annual Limit
- Gain an instant boost of an additional RM10 million in annual limit or
- Opt for Co-insurance and enjoy no annual limit.
Rewarding your health effort with No Claims Benefit
Redeem up to RM1,000 annually, for healthcare services.
Find out more about No Claims Benefit here.
Coverage for your holistic health journey
- Unlimited number of days for Room & Board (R&B) and Intensive Care Unit (ICU)
- Post-hospitalisation care for up to 365 days for serious conditions.
- Double coverage for home nursing care and more.
Summary of Plan and Booster
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PRUMillion Med Active |
Active Booster |
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Active Pricing |
Receive an instant discount of up to 15% off your PRUMillion Med Active insurance charges and continue to enjoy this benefit yearly if you don’t make a claim. |
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Annual Limit |
Up to RM8 million |
Up to RM18 million OR enjoy no annual limit with Co-insurance |
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Hospital Daily Room & Board and Intensive Care Unit (ICU) |
Up to 150 days per year |
No maximum number of days per year |
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Coverage Period for Post-hospitalisation treatment |
Within 180 days following discharge from hospital |
Within 365 days following discharge from hospital (for serious condition) |
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No Claims Benefit |
- |
Up to RM1,000 annually |
|
Deductible / Co-insurance |
Deductible: RM500, RM1,000, RM5,000, RM10,000 (per annexure year) |
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Coverage Term |
Up to age 100 |
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Discover other Medical Plans
PRUPanel Plus,
exclusively for Prudential medical policyholders.
A network of hospitals and specialist centres to provide you with better value and care.
Attachable plan
PRUMillion Med Active rider and Active Booster rider are attachable to our basic plan, PRUWith You Plus.
PRUWith You Plus is a comprehensive investment-linked plan that comes with other add-on rider benefits. Learn more about PRUWith You Plus here.
Terms and Conditions apply.
Learn more
Cost of Insurance Rates
PRUMillion Med Active Cost of Insurance Rates
Active Booster Cost of Insurance Rates
Note: The insurance charges are not guaranteed and may vary in the future.
Important notes
This content contains only a brief description of the product and is not exhaustive. You are advised to refer to Prudential Assurance Malaysia Berhad (PAMB)’s Leaflet, Product Disclosure Sheet, Product Illustration, Fund Fact Sheet (if any), before purchasing the plan, and to refer to the terms and conditions in the policy document for details of the features and benefits, exclusions and waiting periods under the policy.
PROTECTION BY PERBADANAN INSURANS DEPOSIT MALAYSIA (“PIDM”) ON BENEFITS PAYABLE FROM THE UNIT PORTION OF THIS CERTIFICATE/POLICY IS(ARE) SUBJECT TO LIMITATIONS. Please refer to PIDM’s Takaful and Insurance Benefits Protection System (“TIPS”) Brochure or contact Prudential Assurance Malaysia Berhad or PIDM (visit www.pidm.gov.my).
FAQs
What is active pricing in PRUMillion Med Active medical insurance?
Active Pricing is a feature that provides an instant discount up to 15% on your medical insurance charges. If you stay healthy and don't make any claims, you can continue enjoying this discount without any changes to your medical coverage.
How do I continue enjoying discounts on my medical insurance charges?
To keep your premium low, focus on maintaining good health and avoid making unnecessary claims. PRUMillion Med Active rewards this by letting you retain your initial discount on medical insurance charges each year.
What happens if I make a claim under PRUMillion Med Active?
Your premium will increase temporarily depending on your medical claim amount, due to the additional Active Premium. For claims below RM5,000, the increase lasts for 1 year*. For claims of RM5,000 or more, the premium will increase for 3 years before gradually returning to the discounted rate*.
Notes:
• For Life Assured with Age Next Birthday 76 and above, you will not be required to pay additional Active Premium after a claim is made under PRUMillion Med Active.
• *Active Premium will not be required once PRUMillion Med Active insurance charges returns to the discounted rate.
What are the benefits of choosing an active pricing medical insurance plan?
Active Pricing lets you enjoy lower premium due to the discount on medical insurance charges while keeping a comprehensive medical coverage. It rewards your healthy lifestyle and helps you manage your insurance costs without sacrificing your medical benefits.