Medical Insurance - Health has its rewards.

A medical plan that rewards you for staying healthy.



COMPREHENSIVE coverage for hospitalisation and surgery bills
PRUhealth is a plan that provides COMPREHENSIVE medical coverage by reimbursing your medical expenses incurred in the event of hospitalisation. Get peace of mind when you need it the most!
An innovative medical plan that rewards you with annual bonuses of up to RM5001 when you do not make any claim for the year. Your bonuses will automatically be credited in the form of additional units to be invested into funds of your choice, thus increasing your investment value, or to be withdrawn+ should you have the need to.
In addition to comprehensive coverage for hospitalisation and surgical expenses under your PRUhealth plan, you now have the option of overseas medical treatment for 5 types of covered conditions in Singapore, Hong Kong and China with PRUmedic overseas.
CHOICE to CHANGE your coinsurance option
If you are thinking to enhance your existing medical plan coverage, you can also opt for PRUhealth with either RM3,000 or RM10,000 deductible. Include this with PRUmedic retirement benefit and it will automatically switch the deductible amount to coinsurance when you reach 55 years old next birthday. Not only will it make your plan more affordable, it also gives you coverage when you need it the most – your retirement.
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. This upgrade will follow the policy terms and conditions at the start or as and when it is attached to your PRUhealth plan.
An option to WAIVE the annual claims limit*
Worried that your medical bills might surpass your annual limit? You are now given the flexibility to waive the annual limit of your plan by attaching an optional PRUannual limit waiver rider to your PRUhealth plan 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.
CHOICE OF PLANS to suit your budget
Depending on the type of plan you choose and your age, you have a choice of 5 different PRUhealth plans starting from as low as RM100 a month to suit your lifestyle and needs.
Coverage of up to age 1002
PRUhealth gives you the choice of protection through all stages in life by covering your medical bills even up to age 100!
+ Subject to a minimum of RM500 per transaction. If the value of funds is less than RM500, only complete withdrawal is allowed.
* Subject to underwriting, additional premium and policy terms & conditions.
1 Amount depends on type of plan chosen without PRUmedic auto upgrade attached.
2 Subject to policy terms and conditions of the basic plan to which PRUhealth is attached & subject to sufficient funds to deduct insurance and service charges from. 


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, policyholder will have to pay 10% of cost of an eligible benefit, subject to minimum coinsurance amount of RM300 and maximum coinsurance amount of RM1,000 for Hospital & Surgical Benefit, and maximum coinsurance amount of RM2,000 for Outpatient Treatment Benefit. The coinsurance will be applicable for each bill. The remaining balance is paid by the Company up to the annual limit.
On the other hand, deductible is a fixed amount the policyholder must first 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 deductible of RM3,000 or RM10,000 is selected, policyholder will have to pay the first RM3,000 or RM10,000 of the total cost of an eligible benefit (excluding cost of daily room & board). The remaining balance is paid by the Company up to annual limit.

How It Works

WHAT IS PRUhealth?

PRUhealth is a regular premium medical rider plan that reimburses medical expenses incurred in the event of hospitalisation. Not only does this plan reward policyholders with No Claims Bonus (NCB) for those who do not make any claims for the year, you now have 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.


You can take up PRUhealth when you purchase PRUlink one or PRUmy child policies.


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 policyholder with a PRUhealth 200 plan, expiring at age 70 and pays an annual premium of RM1,032:
Annual Premium (RM)
Any Claims Made?
Qualify for Bonus?
Amount of Bonus Received (RM)


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.
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.


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


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

This plan is for people aged between 1 – 70 years old next birthday who want a plan that takes care of their medical expenses AND rewards them for staying healthy.
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)
In the event of a covered condition, if you choose to be hospitalised and undergo surgery in Malaysia instead of overseas due to reasons such as family or immobility, a Well-Being Benefit will be payable per admission for every surgery. Policyholders who claim Well-Being Benefit are no longer eligible to reimburse claims for Hospital & Surgical Benefits and Out-patient Treatment Benefits for that particular covered condition. Instead, you may claim Well-Being Benefit for multiple admissions for surgery on covered conditions in Malaysia, and claim for local medical treatment under PRUhealth based on reasonable and customary charges.
prumedic overseas

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.

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For further details on the product, please call 03-2116 0228, email us at 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.