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Riders

Complete your insurance plan with additional benefits.

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Our Online Products

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Our Services

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PRUAccess Plus

View policy information and access other online services securely with just a click.

PRUBiz Beyond

Protect your company with a comprehensive business solution.

Make a Claim

With our hassle-free claims process, we will be here for you when you need us most.

New Plan Application

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Policy Servicing

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Medical Card Services

Be ensured that you’ll get adequate care when you need it most.

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PRUPrestige

Unlock a world of special privileges with this exclusive membership programme.

PRUE-pay

Handle your payment electronically in a more convenient way.

Expert Medical Opinion (EMO)

Be reassured with advice from medical experts in various areas of specialisation.

Master Policy

View the complete proviso for your group policies

Our Company

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About Prudential Malaysia

At Prudential Malaysia, we’ll make sure we’re always here to listen and understand your needs.

Our History

Find out how we started in 1924, and the achievements that we have accomplished so far.

Our Brand

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PRUCares

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Community Investment

Our mission is to build Financial Resilience for Underserved Families and Children in Malaysia

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Critical Illness & Health

We’re here to ensure that you’ll always have the protection and care that you need without compromise.

Payment Term

PRUMillion Med
PRUValue Med	Premium is payable throughout the coverage term
PRUSenior Med	Premium is payable throughout the coverage term
PRUMedic Overseas	Premium is payable throughout the coverage term

Coverage Term

PRUMillion Med
PRUValue Med	Up to age 100 (Age Next Birthday)
PRUSenior Med	Up to age 80 (Age Next Birthday)
PRUMedic Overseas	Depends on which Medical Plan this rider is attached to: When rider is attached to PRULink One, PRULife Ready or PRUMy Child Up to Age Next Birthday 70, 80, 90 (not applicable if rider is attached with PRUHealth) or 100 according to Expiry Age selected, coverage term must be less than or equal to PRUValue Med's or PRUHealth's coverage term. When rider is attached to PRUWith You Up to age 100.

Issue Age

PRUMillion Med
PRUValue Med	1 – 70 years old (Age Next Birthday)
PRUSenior Med	45 – 70 years old (Age Next Birthday)
PRUMedic Overseas	1 – 70 years old (Age Next Birthday)

Benefit

PRUMillion Med

PRUValue Med

Benefits	Benefit Amount
Room & Board Benefits
a) Hospital Daily Room & Board (R&B) (up to 150 days per year)	Flexible option between RM100 and RM600 per day (Increments in multiples of RM100 per day)
Hospital & Surgical Benefits
b) Intensive Care Unit / Cardiac Care Unit (up to 90 days per year)	As Charged ¹
c) In-hospital & Related Services Surgical Benefit Hospital Supplies and Services Operating Theatre Anaesthetist Fees In-Hospital Specialist’s Visit (limit to 2 visits per day)	As Charged ¹
Outpatient Treatment Benefits
d) Pre-hospitalisation Treatment (within 60 days before hospitalisation) e) Post-hospitalisation Treatment (within 90 days after hospital discharge) f) Home Nursing Care (up to 180 days per lifetime) g) Day Surgery h) Day Care Procedure	As Charged ¹
i) Outpatient Cancer Treatment j) Outpatient Kidney Dialysis	As Charged ¹ Up to 1.5 times of the initial Med Value Point per lifetime (including take home drugs, examination tests & consultation)
k) Maternity Complications Benefit (for female life assured only)	Up to RM5,000 per year
l) Intraocular Lens	Up to RM6,000 per lifetime
m) Emergency Treatment For Accidental Injury	Up to 10 times of Hospital Daily R&B amount per year
Med Saver or Deductible ²	Yes or No. If Yes, flexible option: Med Saver RM300, Deductible RM20,000, Deductible RM50,000, Deductible RM75,000 or Deductible RM100,000.
Med Value Point	Flexible option: RM1 million, RM1.5 million or RM2 million
Med Value Point Bonus	Med Value Point increases at 2% of the initial Med Value Point at the end of every 2 years, provided no claim has been incurred during the 2 years. Applicable to plans with Hospital Daily Room & Board of RM300 and above.
Emergency Medical Assistance ³	Yes
Expert Medical Opinion ^{3, 4}	Yes

Notes:

We shall only reimburse Reasonable and Customary Charges on eligible expenses which are deemed Medically Necessary.
If Med Saver is chosen, policyholder must first pay a fixed amount equivalent to Med Saver selected out of the total Reasonable and Customary Charges of eligible benefits, which are Hospital & Surgical Benefits, Outpatient Treatment Benefits, Maternity Complications Benefit and Emergency Treatment For Accidental Injury (excluding the cost of Hospital Daily Room & Board and Intraocular Lens) for any one disability.

Otherwise, if Deductible is chosen, you must first pay a fixed amount equivalent to the Deductible selected out of the total Reasonable and Customary Charges of accumulated eligible benefits, which are Hospital Daily Room & Board, Hospital & Surgical Benefits, Outpatient Treatment Benefits and Other Benefits within an annexure year.

If Med Saver or Deductible are not chosen, the fixed amount shall not apply.

Emergency Medical Assistance and Expert Medical Opinion are services provided from third party providers which are non-contractual in nature and do not form part of the policy. We have the right to terminate this service by giving a 90 days written notice.

Expert Medical Opinion is a value added service that provides second medical opinion from medical experts in various areas of specialization.This service is to assist you to learn more about your medical conditions and make an informed decision on the treatment plans.

Please refer to PRUMy Medical Plus or PRUMy Child Plus pages for further details.

Note: PRUMy Medical Plus and PRUMy Child Plus are packages which use PRUWith You as a basic plan and have PRUvalue med as one of the riders that are selected for attachment.

PRUSenior Med