Expert Medical Opinion (EMO)

Get a second opinion from a selection of medical specialists.
Get started
Expert Medical Opinion (EMO)

What is Expert Medical Opinion (EMO)?

Expert Medical Opinion is a value-added service to provide you a second medical opinion from medical experts of various areas of specialisation.

This service is to help you learn more about your medical conditions and make an informed decision on your treatment plans.

This EMO is provided to the Life Assured of PRUValue Med and PRUMillion Med (“Medical Plan”) on a complimentary basis. Prudential Assurance Malaysia Berhad has made an arrangement with a third-party service provider to provide second medical opinion services.

All Life Assured by PRUValue Med and PRUMillion Med are entitled to use this EMO service for one (1) covered condition per calendar year. Any charges for such service will be borne by Prudential.

Note: If you are receiving this service as part of PRUValue Med and PRUMillion Med's value-added service, you may not be required to pay at all.

Frequently asked questions

Why should I use EMO?

Be in charge of your medical care. 

As a patient, you have an important say in who provides your health care and where you receive it. This service aims to maximise the quality of patient care by providing you with the necessary resources to make your most informed decisions. It gives you the information and confidence you need to help you and your physician make the best treatment decisions. 

For peace of mind.

While most doctors are competent, there are some that might provide less than optimal service. Physician’s skills, training, and opinions vary widely. Misdiagnosis or delayed diagnosis can happen. That's why we recommend that you obtain a second medical opinion.

Increased medical complexity. 

The medical and especially medical imaging industry is expanding with new technologies and many updated treatment and surgeries options. Seeking another medical expert's perspective can help in keeping up with the latest advancements.

Get a different perspective. 

Medical doctors have different personalities, experiences and training. Some physicians are more conservative while others are more aggressive. It might be a good idea to get a different opinion and one that fits your best interests. 

Who is entitled to the EMO service?

All Life Assured by PRUValue Med and PRUMillion Med are entitled to utilise this EMO service for one (1) covered condition per calendar year. Any charges for such service will be borne by Prudential.

What are the covered conditions under EMO?

The list of covered conditions as follows:

Category

Conditions

Oncology

  • Cancer

  • CIS or early stage cancer

Nephrology

  • Medullary Cystic disease

  • Polycystic Kidney disease

  • Chronic Kidney diseases

  • Kidney Failure

Autoimmune

  • Rheumatoid Arthritis

  • Systemic Lupus Erythematosus

  • Connective Tissue diseases

  • Systemic Sclerosis

Hepatology

  • Chronic Liver diseases including Cirrhosis

  • Liver Failure

Lungs

  • Chronic Lung Diseases including Pulmonary Failure

  • Pulmonary Arterial Hypertension

Cardiology

  • Coronary Artery disease

  • Cardiomyopathy

  • Heart Valve diseases

  • Heart Failure

  • Aortic diseases

  • Cardiac Arrhythmias

Neurology

  • Stroke

  • Brain diseases

  • Spine diseases

  • Coma

  • Major Head Trauma

  • Dementia including Alzheimer’s disease

  • Encephalitis

  • Motor Neuron disease

  • Multiple Sclerosis

  • Muscular Dystrophy

  • Paralysis

  • Parkinson’s disease

  • Cerebral Arteriovenous Malformation

  • Hydrocephalus

  • Epilepsy

Others

  • AIDS

  • Aplastic Anemia

  • Bone Marrow Failure

  • Pancreatic Failure

  • Carotid Artery disease

How much does it cost?

If you’re using the EMO service as part of PRUValue Med and PRUMillion Med's value-added services, you may not be required to pay at all.

However, any out-of-scope services (such as tele-consultation or video-consultation, report translation, acute care, simple low acuity conditions and etc.) are available to customers at a discounted fee and the cost will be borne by the Assured.

What are the key terms and conditions that I should be aware of?

Expert Medical Opinion is a service provided by a third-party provider, which is non-contractual in nature and does not form part of the policy. We have the right to terminate this service by providing a 90-day written notice. The other key terms and conditions are as provided in the Disclaimer Notice below.

Disclaimer notice:

  1. You should be aware that Prudential Assurance Malaysia Berhad (“PAMB”) is not responsible for the site known as <https://prudential.secondopinions.com> (“the site”), materials disseminated by, or content or product or services provided by both the site and SecondOpinions.com (collectively referred to as "Services provided by SecondOpinions.com"), or any advice, opinion or recommendation that is provided to you as a result of your use of Services provided by SecondOpinions.com, and PAMB is not responsible for them in any way. The advice, opinion or recommendation that is provided to you as a result of your use of Services provided by SecondOpinions.com is not in any way binding upon PAMB and it does not act as a pre-approval or approval of your claim. Your claim will be processed and assessed according to the terms and conditions of your policy contract with PAMB. Any concern regarding the site and/or SecondOpinions.com should be directed to its relevant person in charge, site administrator or web master.

  2. The site may use PAMB’s logo(s) as part of a co-branding agreement. PAMB does not control the site and the links therein, and they may send their own cookies to you, collect data, solicit personal information, or contain information that you may find inappropriate or offensive.

  3. PAMB does not make any representations or warranties as to the security of any information (including, without limitation, credit card and other personal information) you might be requested to give SecondOpinions.com and/or any other party in connection with your use of the site or Services provided by SecondOpinions.com. We strongly encourage you to make whatever investigation you feel necessary or appropriate before proceeding with any online or offline dealing with SecondOpinions.com or any third party.

  4. PAMB accepts no responsibility or liability for any damage, expenses, fines, losses or penalties whatsoever that you may incur or suffer, as a result of your use of Services provided by SecondOpinions.com, the site or any linking to any location from the site, and you hereby irrevocably waive any claim against PAMB with respect to the Services provided by SecondOpinions.com, the site or any linking to any location from the site.

  5. This Disclaimer Notice shall be binding upon your respective successors-in-title, executors, administrators, personal representatives and/or heirs.

  6. In the event that there shall be any conflict or inconsistencies between this Disclaimer Notice and the terms and conditions set out in the site or by SecondOpinions.com in connection with your use of Services provided by SecondOpinions.com, this Disclaimer Notice shall prevail and be given effect to.

Get started now

Take these steps to utilise your EMO service.
Step 1: Activate your account
Click on “Get started” button and register online. *By clicking on the link above, you agree to the terms & conditions.
Step 2: Upload medical records
Complete your profile, medical history and upload medical records and images online.
Step 3: Request a consultation
Select a medical speciality and request a consultation.
Step 4: Receive expert medical opinion report
You will receive a soft copy report from a medical expert allowing you to learn more about your medical condition and a suitable treatment plan.