Why Medical Plan Is Important?
Rising healthcare costs make it increasingly challenging to afford quality medical care. A medical plan offers a vital safety net, ensuring access to quality medical care while mitigating the financial burdens associated with unexpected health expenses.
The main reason to have a medical card is the financial protection it offers. Hospitalisation, surgery, and specialist consultations can lead to substantial bills. A medical card helps cover these expenses, ensuring that you don't have to dip into your savings or face financial strain during a medical emergency.
A medical card also guarantees access to quality healthcare, ensuring you receive timely treatment without being hindered by financial constraints. Whether it's a routine check-up or a major surgery, a medical card allows you to focus on recovery.
Knowing that you have a medical card provides peace of mind. Life is unpredictable, and medical emergencies can arise at any time. Having a medical card means you are prepared for the unexpected, allowing you to live your life with confidence. For instance, Prudential’s medical plans offer a range of benefits that ensure you are covered for various medical needs, giving you that essential peace of mind.
A medical card also offers the convenience of cashless admission to panel hospitals. This means that when you present your medical card at a participating hospital, the insurer will handle the payment directly, reducing the hassle of upfront costs and paperwork.
Some medical plans cover the treatment and management of chronic conditions,which often require ongoing treatment and can be expensive over time. The right medical plan ensures that these costs are manageable, allowing you to maintain your health without financial worries.
When selecting a medical plan, consider the coverage options and how they align with your needs. For example, Prudential has different medical plans that offer various levels of coverage, from basic hospital and surgical plans to more comprehensive options that include outpatient care and specialist consultations.
Medical insurance plans by Prudential include:
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PRUValue Med, which
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Provides policyholders with a flexible Room & Board plan of RM150 to RM600 so that you can recover comfortably.
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Comprehensive coverage of up to RM2 million. Med Value Point increases 2% yearly for Room and Board RM300 and above.
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Extensive hospitalisation care that includes pre and post-hospitalisation care.
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PRUMillion Med 2.0, which
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Provides a Room & Board plan of RM200 to RM400 so that you can concentrate on your recovery.
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Comprehensive coverage with no lifetime limit.
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Comprehensive cancer protection for early detection, treatment and remission support.
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Recovery support for serious conditions.
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PRUMillion Med Active, which
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Gives you an instant discount up to 15% of your premiums if no claims are made.
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Can be enhanced with Active Booster for an instant annual limit boost, unlimited Room & Board/ICU, extended period post-hospitalisation treatment, and no claims benefit.
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Comprehensive cancer protection including genomic testing, treatment and remission support.
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By investing in a medical card, you can safeguard your health and finances against life's uncertainties.
Further reading
Delve into our informative articles to gain a comprehensive understanding of medical cards and their ability to shield you from escalating healthcare expenses: