PRUHealth

A medical plan that not only pays for hospital bills when needed but also rewards customer a yearly bonus when no claims are paid under this plan for the previous year.

This plan also provides you with the option to choose either coinsurance, Med Saver RM3,000 (only applicable for PRUHealth attached to PRUWith You) or deductible of RM3,000 / RM10,000 (only applicable for PRUHealth attached to PRULink OnePRULife Ready or PRUMy Child).

 

Product Features

Payment Term Premiums are payable throughout the coverage term
Coverage Term Up to age 100ANB (The coverage term of PRUHealth will follow the basic plan)
Issue Age

Prenatal: After 14 weeks into pregnancy*
Post-birth: 1-70ANB

* PRUHealth can be purchased at pre-natal stage (14 weeks into pregnancy), however, this plan’s coverage starts only after completion of waiting period applicable from the actual date of birth of the child.

Benefits
BenefitsBenefit Amount
Plan 100 150 200 300 400 500* 600*
Annual No Claims Bonus (RM) 100 150 300 400 500 600 700

Hospital & Surgical Benefits (RM)
a) Hospital Daily Room & Board (120 days per year)

100 150 200 300 400 500 600

b) Intensive Care Unit (30 days per year)

c) In-hospital & Related Services
• Surgical
• In-hospital & Related Services
• Operating Theatre Fees
• Anaesthetist Fees
• Specialist’s Visit

As charged1, subject to coinsurance2, deductible3 or Med Saver4

Out-patient Treatment Benefits

d) Pre-hospitalisation Treatment (within 30 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) Cancer Treatment

i) Kidney Dialysis

As charged1, subject to coinsurance2, deductible3 or Med Saver4
j) Emergency Treatment for Accidental Injury (RM) (Annual Limit) 1,000 1,500 2,000 3,000 4,000 5,000 6,000
Annual Limit (RM) 50,000 62,500 75,000 100,000 150,000 200,000 250,000
Lifetime Limit (RM) 520,000 650,000 780,000 1,040,000 1,560,000 2,080,000 2,600,000

Emergency Medical Assistance5

Yes

Notes:

* Not applicable for PRUWith You

PRUHealth 500 and PRUHealth 600 are only available when PRUMedic auto upgrade is attached to PRUHealth 300 and PRUHealth 400 plans. This benefit cannot co-exist with PRUAnnual Limit Waiver and is not available under PRUWith You.

1 We shall only reimburse Reasonable and Customary Charges on eligible expenses which are deemed Medically Necessary up to annual limit.

2 If coinsurance is selected, you will have to pay 10% of cost of an eligible benefit, subject to minimum coinsurance amount of RM300 and maximum coinsurance amount of RM1,000 for Hospital & Surgical Benefits (excluding Hospital Daily Room & Board), and maximum coinsurance amount of RM2,000 for Outpatient Treatment Benefit. We reserve the right to revise the minimum and maximum coinsurance amount at Policy Anniversary, by giving 30 days notice. The remaining balance is paid by the Company up to the annual and lifetime limit.

3 If deductible (only for PRUHealth attached to PRULink OnePRUlife ready and PRUMy Child) is selected, you will have to pay the first RM3,000 or RM10,000 of the total cost of the eligible benefits (excluding daily room & board). The remaining balance is paid by the Company up to annual and lifetime limit.

4 If Med Saver is selected, you will have to pay the first RM3,000 of the total cost of the eligible benefits (excluding Hospital Daily Room & Board). The remaining balance is paid by the Company up to annual and lifetime limit.

5 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.

For Overseas Treatment, if the Life Assured chooses to have or is referred to be treated outside Malaysia, the benefits for the treatment are limited to the Reasonable and Customary and Medically Necessary charges for equivalent local treatment in Malaysia and subject to 90 days residence limit.

Please refer to PRUMy Medical Plus page for further details such as full list of benefits, exclusions, waiting period and other terms and conditions.

Note: PRUMy Medical Plus is a package offered using PRUWith You as the basic plan and has PRUHealth as one of the medical riders that are selected for attachment.

Insurance Charges Please click here for full insurance charges.
Basic Plans That Can Attach This Rider
Important Notes
  1. This product summary is for illustrative purposes only. You are advised to refer to Prudential Assurance Malaysia Berhad (PAMB)’s Brochure, Product Disclosure Sheet, Product Illustration, and Fund Fact Sheet (if any) before purchasing the plan, and refer to the terms and conditions in the policy document for details of the important features of the plan.
  2. You should assess the affordability and suitability of the product (including optional benefits) in relation to your financial goals and risk appetite. To achieve this, we recommend that you speak to your agent or Wealth Planner who will perform a needs analysis and assist you in making an informed decision.
  3. Buying life insurance policy is a long term financial commitment. You are advised to choose the type of product(s) that best suits your financial needs. You are advised to read and understand the insurance policy and discuss with the agent or Wealth Planner or contact PAMB directly for more information.  

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PRUHealth

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