PRUsenior med

Senior Citizen Medical Insurance - It's never too late to start thinking about health insurance.

With a unique high entry age, PRUsenior med helps you address those large medical bills that you may face in your later years.



Plan 1
Plan 2
Death Benefit
Medical Benefit
1. Hospital Daily Room & Board (120 days per year)
2. Intensive Care Unit (30 days per year)*
3. Surgical fees*
4. Anaesthetist Fees*
5. In-hospital & Related Services*
6. Pre-hospitalisation Treatment (within 30 days before hospitalisation)*
7. Post-hospitalisation Treatment (within 90 days after hospitalisation)*
8. Home Nursing Care (180 days per lifetime)*
9. Day surgery*
10. Out-patient Cancer Treatment*
11. Out-patient Kidney Dialysis Treatment*
*As charged subject to co-insurance at 10%. Minimum co-insurance amount below is applicable to items 2 to 5 only.
RM200 RM200
Minimum Co-insurance Amount
Lifetime Limit
* The Company reserves the right to revise the minimum co-insurance amount once every 12 months, by giving a 30-day notice.
Note: Co-insurance is a cost-sharing arrangement under which the policyholder pays a specified percentage of the cost of an eligible benefit. The remaining balance is paid by the Company.
The total benefits payable under the Medical Care Benefit during the lifetime is subject to the Lifetime Limit. Cover begins immediately on acceptance, for hospitalisation caused by accidents and 30 days after acceptance for any other causes.
Each claim will reduce the Lifetime Limit. When the Lifetime Limit is exhausted, the death benefit will continue without payment of any further premiums.

How It Works

WHAT IS PRUsenior med?

PRUsenior med is a unique term life policy that takes care of your large medical bills, in the event of hospitalisation, for major surgeries and illnesses up to age 80 – subject to a co-insurance of 10% or the affordable minimum co-insurance amount, whichever is higher.


PRUsenior med takes care of a whole host of medical costs beyond just hospital room & board. These include ICU charges, surgery fees, anesthetist fees, home-nursing costs, outpatient kidney dialysis bills, and outpatient cancer treatment bills.
To help take care of those large medical bills, we've raised the bar on the lifetime benefit limit that you receive to RM225,000 per lifetime.

PRUsenior med gives you:

  • A choice of two plans, depending on the minimum co-insurance amount you wish to pay. Plan 1 offers a minimum co-insurance of RM3,000 and Plan 2 offers a minimum co-insurance of RM6,000
  • Reimbursements on
          i. Hospital room & board, up to 120 days.
         ii. Intensive Care Unit charges, surgical fees, anesthetist fees and in-hospital services. For this, you will pay a co-insurance amount of 10% on your expenses, and we pay the rest, or you pay the minimum co insurance based on the plan you choose, whichever is higher.
        iii. Pre-hospitalisation consultations and tests, and post-hospitalisation treatment and prescription following discharge (all subject to a 10% co-insurance). 
        iv. Home nursing care, day surgery, outpatient cancer treatment, and outpatient kidney dialysis (all subject to a 10% co-insurance).
  • Death benefit - RM5,000 is paid upon death as a compassionate allowance
  • Cash value - a plan with a term of 20 years or more will accumulate cash value after 3 years of premiums have been paid.
  • You can take up this plan anytime between 45 and 70 years old age next birthday. PRUsenior med protects you up till age 80.



You can take up PRUsenior med for your parents by paying the premiums if they are between the ages of 45 and 70 years of age. Your parents will own the policy.
The premium that you pay for a PRUsenior med plan is determined by your age, gender, the plan chosen and subject to underwriting. The premiums are payable throughout the duration of the plan and must be paid within one month of the due date.


Premiums can be paid yearly, half-yearly, quarterly or monthly via Autodebit, Credit Card, Banker’s Order, Cash or Cheque.
* If the premium is not paid within one month and if the policy has not acquired a cash value, it will cease automatically.
If the policy has acquired sufficient cash value and you are unable to pay premiums, the Company will automatically pay the premiums on your behalf via the Automatic Premium Loan Scheme. You will continue to enjoy the benefits under this policy. The policy will end when the premium loan plus interest are greater than its cash value. The interest rate may be varied by the Company depending on market conditions.


If you receive medical treatment overseas, the Medical Care Benefit is 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.

Who Can Apply

This plan is available to anyone between 45 and 70 years old (at age next birthday).

Optional Benefits

There are no optional benefits available for this plan.

Download Brochure



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.