No Claims Benefit

Medical examination performed by a registered practitioner for health screening purposes and must be received at any registered clinic, healthcare provider or Hospital.

 Examples of Medical Check Up

The investigation and diagnostic tests, which are performed by the Specialist or Doctor for diagnostic purposes for a Disability and must be received at any registered clinic, healthcare provider or Hospital.

 Examples of Diagnostic Test

Administration of vaccines which have been approved by National Pharmaceutical Regulatory Agency (NPRA) or local health authorities in Malaysia and administered in any registered clinic, healthcare provider or Hospital or offsite locations approved by local health authorities in Malaysia.

You can always identify the approved vaccine at QUEST 3+ Product Search (bpfk.gov.my).

 Examples of Vaccination

Subscription programs under digital platform which include but are not limited to health, wellness, fitness, nutrition features that are offered by Pulse, Prudential group or any other entity as informed by us.

 Example of Subscription Program

You may submit the all the relevant documents via email to mys.pamb.group.claims@prudential.com.my; with the Subject: NCB Claim [Policy No. xxxx xxxx | Claimant Name]

For a Medical Check Up, Diagnostic Test or Vaccination
Claimant is required to submit the following:

1. Scanned copy of original receipts and invoices
2. Copy of Life Assured's NRIC or passport
3. Application for Direct Credit - signed by the Applicant 

For a Subscription Program
Claimant is required to submit the following:

1. Proof of subscribed program i.e. receipt, screenshot
2. Copy of Life Assured's NRIC or passport
3. Application for Direct Credit - signed by the Applicant

Prudential Assurance Malaysia Berhad (PAMB) reserves the right to request for other relevant supporting documents, information or to view the original of the copied documents whenever necessary.

Upon receiving the complete documents, the claim payment will be processed within 14 working days.