Product Comparison

You can easily make a product comparison using this convenient tool before you decide on a plan that best suits your needs.

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

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:

  1. 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.
  1. When rider is attached to PRUWith You
    • Up to age 100.

 

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) 

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:

  1. We shall only reimburse Reasonable and Customary Charges on eligible expenses which are deemed Medically Necessary.
  2. 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.

  1. 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.
  1. 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
  1. Death Benefit
  2. Medical Care Benefits

Please refer to brochure for details on coverage

PRUMedic Overseas

Please refer to brochure for details on coverage

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