As the world continues to recover from turbulent times, survival is no longer enough—we want you to thrive through any pandemic(s) down the road.
To help future-proof you and your loved ones’ safety, Total Pandemic Protection acts to strengthens your medical coverage, so you’ll be better equipped to face the world, and Live with Confidence. Enjoy an easy and seamless claims process, and essential coverage when you need it the most.
Starting 22 January 2022, you will automatically enjoy Total Pandemic Protection when you sign up for any of our medical plans.
For existing customers of our medical plan(s)*, you can opt-in to revise the exclusion clause in your current medical plan(s) to enjoy Total Pandemic Protection via our Pandemic Coverage Opt-In Campaign (scroll down for more info).
*Medical plan(s) eligible under this Campaign refers to any of the following plans: PRUHealth, PRUValue Med, PRUMedic Overseas, PRUMillion Med, PRUFlexi Med, PRUMedic Essential.
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Pandemic Coverage Opt-In Campaign
For Prudential Malaysia Existing Customers
The Pandemic Coverage Opt-In Campaign has ended on 31 October 2022.
Good news! Prudential Malaysia customers who are currently covered by one of our medical plan(s)* can opt to revise the exclusion clause on “any communicable diseases requiring quarantine by law” in your policy, and start enjoying Total Pandemic Protection at no additional cost# via our Pandemic Coverage Opt-In Campaign (“Campaign”).
Opt-in for Total Pandemic Protection during the Campaign period from 16 February 2022 to 31 October 2022, and enjoy:
Medical coverage when you need it the most during the current or any future pandemics.
Pandemic Protection as a permanent feature of your medical plan and not part of the policy exclusion. No underwriting is required.
Seamless claims experience as Pre-authorisation Letter (HAS) for all panel hospitals with cashless facility will be granted.
No change to your current premium or insurance charges#.
*Medical plan(s) eligible under this Campaign refers to any of the following plans: PRUValue Med, PRUMedic Overseas, PRUMillion Med, PRUFlexi Med, PRUMedic Essential.
#Note: As we regularly review our medical plan, future premium and/or insurance charges review will take into account the pandemic protection.
How to opt-in?
If you receive an SMS:
Alternative ways to submit your reply slip:
Physically submit at any Prudential branch
Via PRUServe Plus (DropBox).
Reach out to our friendly customer service for step-by-step guidance
Click on this infographic on how to opt-in or speak with your Prudential Wealth Planner or Bank Representative if you need any assistance.
To opt-in, customers must reply within the campaign period from 16 February to 31 October 2022.
What is “communicable diseases requiring quarantine by law”?
Communicable diseases requiring quarantine by law refers to infectious diseases or transmissible diseases that are declared as required quarantine under the Prevention and Control of Infectious Diseases Act 1988, such as COVID-19 mentioned under the Prevention and Control of Infectious Diseases (Amendment of First Schedule) Order 2020.
What is the impact to my premium and charges If I accept the revision to the exclusion clause?
There is no change to your current premium and charges when you accept the revision to the exclusion clause. However, as we continue to regularly review our premiums and charges against healthcare costs to ensure you are always adequately protected, future premiums and insurance charges review will take into account Pandemic Protection. This is to ensure fair treatment to all policyholders of the medical plan. You will be notified accordingly if there is a need for revisions in the future.
What is the difference between premium and insurance charges?
Premium is the amount that you pay to Prudential in return for the insurance coverage provided. For an investment-linked insurance policy, part or all of the premiums paid are used to purchase units in the investment-linked fund(s) while the remaining is used to pay upfront charges for insurance expenses and direct distribution costs. Insurance charges are deducted monthly from the value of your investment-linked funds to pay for your insurance coverage. Generally, insurance charges will increase as you grow older.
What happens if I do not respond before the end date mentioned in the letter? Will I be able to accept the revision in the future?
This is a limited period option. If you do not respond to us before the end date, your medical plan will remain as per current version and continue to exclude the coverage for “communicable diseases requiring quarantine by law”. Any submission after the end date will not be accepted.
Can I retract my acceptance at a later time after I respond with my acceptance?
No. The revision shall apply to the medical plan once we receive your acceptance response.
What are the medical plans that are available for the revision to the exclusion clause?
This revision to the exclusion clause is offered to existing policyholders with PRUHealth, PRUMedic Essential, PRUFlexi Med, PRUValue Med, PRUMedic Overseas or PRUMillion Med medical plan