PRUhealth

Medical Insurance - Health has its rewards.

A medical plan that rewards you for staying healthy.

TellMeMore_HS




Benefits

COMPREHENSIVE medical coverage
 
Covers your eligible medical expenses incurred in the event of hospitalisation when you need it the most.
 
Enjoy NO CLAIMS BONUS

PRUhealth rewards you with annual bonuses of up to RM500, depending on your plan selection, when you do not make any claim for the year.

Option to SEEK MEDICAL TREATMENT OVERSEAS*
 
With PRUmedic overseas, you have the option to seek for overseas medical treatment for 5 types of covered conditions in Singapore, Hong Kong and China.
 
AUTOMATIC UPGRADE OPTION of your PRUhealth plan*
 
Your PRUhealth plan will be upgraded to the next benefit level on the 5th and 10th year rider benefit anniversary regardless of your health condition and any previous medical claims you may have made when you take up PRUmedic auto upgrade.
 
The option to WAIVE your annual limit*

Flexibility to waive the annual limit by attaching PRUannual limit waiver which enables you to make claims above your annual limit.

Note: This benefit is only available for PRUhealth 200, 300 and 400 plans and cannot co-exist with PRUmedic auto upgrade or when deductible is selected for PRUhealth. Total benefits payable cannot exceed your Lifetime Limit.

* Subject to underwriting, additional premium and policy terms & conditions.

Plan
Plan
100
Plan
150
Plan
200
Plan
300
Plan
400
Plan
500*
Plan
600*
Annual No Claims Bonus
RM100
RM150
RM300
RM400
RM500
RM600
RM700
Hospital & Surgical Benefits
Hosptial Daily Room & Board (120 days per year)
100
150
200
300
400
500
600
Intensive Care Unit (30 days per year)
Surgical
In-hospital & Related Services
As charged, subject to coinsurance or deductible.
Out-patient Treatment Benefits
Pre-hospitalisation Treatment (within 30 days)
Post-hospitalisation Treatment (within 90 days after hospital discharge)
Home Nursing Care (180 days per lifetime)
Day surgery
Cancer Treatment
Kidney Dialysis
Emergency Treatment For Accidental Injury (Annual Limit)
 
 
 
 
 
 
As charged, subject to coinsurance or deductible.
 
 
  
 
1,000
1,500
2,000
3,000
4,000
5,000
6,000
Overall Annual Limit (RM)**
50,000
62,500
75,000
100,000
150,000
200,000
250,000
Lifetime Limit (RM)**
520,000
650,000
780,000
1,040,000
1,560,000
2,080,000
2,600,000
Emergency Medical Assistance***
Yes


We shall only reimburse Reasonable and Customary charges on eligible expenses which are deemed Medically Necessary. 

 

* PRUhealth 500 and PRUhealth 600 are only available when PRUmedic auto upgrade is attached to PRUhealth 300 and PRUhealth 400 plans. This benefit cannot co-exist with PRUannual limit waiver.
** The total benefits payable in a year are subject to the Overall Annual Limit and the total benefits payable during the lifetime is subject to the Lifetime Limit. Cover begins immediately upon acceptance, for hospitalisation caused by accidents and 30 days after acceptance for any other causes and 120 days for specified illnesses.
*** Prudential will issue a
PRUhealth card to you under Emergency Medical Assistance when you purchase PRUhealth. You can call up the 24-hour hotline (operated by International SOS) at any time on reverse charge from anywhere in the world to obtain assistance and services. The PRUhealth card can also be used for hospital admission under Hospital Alliance Services at a designated network of hospitals (subject to terms and conditions).

How It Works

1) WHAT IS PRUhealth?
PRUhealth is a regular premium medical rider plan that covers eligible medical expenses incurred in the event of hospitalisation. This plan rewards policyholders with No Claims Bonus (NCB) and provides them the option to choose the level of deductible (the fixed amount you must pay out of the total medical fees, excluding cost of daily room & board, for any one disability during a 90-day period) of RM3,000 or RM10,000 other than the default coinsurance option.

2) HOW CAN I TAKE UP PRUhealth?
You can take up PRUhealth when you purchase PRUlink one, PRUlife ready or PRUmy child plans.

3) WHAT IS THE DIFFERENCE BETWEEN COINSURANCE AND DEDUCTIBLE?
Coinsurance is a cost-sharing arrangement under which the policyholder pays a specified percentage of the cost of an eligible benefit. If coinsurance is selected, a policyholder will have to pay 10% of the cost of an eligible benefit, subject to a minimum coinsurance amount of RM300 and a maximum coinsurance amount of RM1,000 for Hospital & Surgical Benefit, and a maximum coinsurance amount of RM2,000 for the Outpatient Treatment Benefit. The remaining balance is paid by Prudential up to the annual limit.

On the other hand, a deductible is a fixed amount the policyholder must pay regardless of the total cost of an eligible benefit (excluding cost of daily room & board) for any one disability during a 90- day period. If a deductible of RM3,000 or RM10,000 is selected, a policyholder will have to pay the first RM3,000 or RM10,000 of the total cost of eligible benefit (excluding cost of daily room & board). The remaining balance is paid by the Prudential up to the annual limit.


4) HOW WILL THE NO CLAIMS BONUS (NCB) BENEFIT ME?
If you do not make any claims for the year, Prudential will reward you with No Claims Bonus (NCB) by purchasing additional units for your investment in the following year. The amount of bonus paid depends on the plan that you have chosen.

Once you make a claim, you will not receive any bonus in the following year. However, you will receive the bonus for subsequent years as long as no claims are made.

An example of the bonus mechanism, for a 30-year old male Life Assured with a PRUhealth 200 plan, expiring at age 70 and pays an annual premium of RM1,190.

Policy Years
Annual Premium (RM)
Any Claims Made?
Qualify for Bonus?
Amount of Bonus Received (RM)
1
1,190
No
Yes
-
2
1,190
Yes
No
300
3
1,190
No
Yes
-
4
1,190
No
Yes
300
5
1,190
No
Yes
300

5) HOW MUCH PREMIUM DO I NEED TO PAY?
The premium that you pay for a PRUhealth plan is determined by your age, occupation class, plan type and coinsurance / deductible option chosen, subject to underwriting. The premiums are payable throughout the duration of the plan.

We will allocate a portion or the entire premium to purchase units in the investment-linked fund(s). Any unallocated amount will be used to pay commissions to agent/wealth planner and other expenses by us. You are advised to refer to the allocation rates given in the sales illustration.

Premium can be paid yearly, half-yearly, quarterly or monthly via Auto Debit, Credit/Debit Card or Cash/Cheque.

For premium rates with expiry at age 70, please click here.

For premium rates with expiry at age 80, please click here.

For premium rates with expiry at age 100, please click here.

For additional premium rates with attachment of PRUmedic overseas, please click here.

6) HOW DOES PRUhealth PAY FOR OVERSEAS MEDICAL TREATMENT VERSUS PRUmedic overseas?
If you receive medical treatment overseas under your PRUhealth plan, the benefits are paid according to the costs of treatment that would be reasonably charged by a hospital in Malaysia. No benefit is paid if you reside overseas for more than 90 days per trip.

However, the 90 days restriction on overseas residence will not be applicable to PRUmedic overseas when attached to your PRUhealth plan. Reimbursement of medical expenses shall also be based on the reasonable and customary charges of the country of treatment.

Who Can Apply

PRUhealth is available to anyone aged between 1 – 70 years old on his or her next birthday. It is also available to pre-birth child from 18 weeks onwards with a waiting period of 30 days from the date of birth.
 
Age Next Birthday
Expiry Age
70
80
100
Entry
Age
Min
14 days (prenatal is allowed to purchase)
Max
60
70

Please note that this is an insurance product that is tied to the performance of the underlying assets, and is not a pure investment product such as unit trusts.

Optional Benefits

With additional premium and underwriting, you can now enhance the coverage of your PRUhealth plan with:
 
a) PRUannual limit waiver – the rider plan that allows you to make claims higher than your annual limit by waiving the annual limit of your PRUhealth plan. This will ensure that you are safeguarded against any unexpected large medical claims within a policy year. PRUannual limit waiver can only be attached to PRUhealth 200, 300 and 400 plans (subject to additional premium). When PRUannual limit waiver is attached, claim amounts exceeding the annual limit will be subjected to a coinsurance amount of 10% on total claims (excluding cost of daily room & board).
 
b) PRUmedic overseas- have the option to seek overseas medical treatment or advice in China, Hong Kong or Singapore for the following covered conditions:
• Surgery related to cancer
• Neurosurgery
• Coronary artery bypass surgery
• Heart valve surgery
• Organ transplant (kidney, lung, liver, heart, pancreas and bone marrow transplant)
 
For more details, please refer to PRUmedic overseas Product Disclosure Sheet, Sales Illustration and Brochure.
 

c) PRUmedic auto upgrade – with this benefit, our customers will have their PRUhealth
plan automatically upgraded. On the 5th and 10th rider benefit anniversary, the PRUhealth plan will move up to the next higher plan following the table below:
 
 prumedic auto upgrade
 
 
 
 
 
 
 
 
 
 
 
  
d) PRUmedic retirement - your PRUhealth plan with deductible option will be switched automatically to coinsurance option when you retire at age 55 years next birthday with PRUmedic retirement.

 

Download Brochure

TellMeMore_HS

 





For further details on the product, please call 03-2116 0228, email us at
customer.mys@prudential.com.my or contact your friendly Prudential Wealth Planner.

Important notes:
1.You should assess the affordability and suitability of the product (including optional benefits) in relation to your financial goals and risk appetite. To achieve this, we recommend you speak to your agent or Wealth Planner who will perform a needs analysis and assist you to make an informed decision.
2.This website is for illustrative purposes only. You are advised to refer to the Prudential Product Disclosure Sheet and Sales Illustration before purchasing a plan, and to refer to the terms and conditions in the policy document for details of the important features of the plan.
3.Buying life insurance policy is a long-term financial commitment. You must choose the type of policy that best suits your personal circumstances. You should read and understand the insurance policy and discuss with the agent/Wealth Planner or contact the insurance company directly for more information.