PRUMillion Med

A medical rider that reimburses medical expenses incurred in the event of hospitalisation and for outpatient treatment with high annual limit and no lifetime limit.

Its design with high annual limit, no lifetime limit and Med Saver RM 300 enables customers to get a comprehensive medical coverage while enjoying great value.

Product Features

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

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

* PRUMillion Med 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 RM200 RM250 RM300 RM400 RM500

Room & Board Benefits 

a) Hospital Daily Room & Board (R&B) (up to 120 days per year) 200 250 300 400 500
Hospital & Surgical Benefits

b) Intensive Care Unit / Cardiac Care Unit
(up to 120 days per year)

As charged1

c) In-hospital & Related Services

  • Surgical Fees
  • Hospital Supplies and Services
  • Operating Theatre Fees
  • Anaesthetist Fees
  • In-hospital Specialist’s Visit (limit to 2 visits per day)

d) Organ / Bone Marrow Transplant
(Only payable once per lifetime)

Outpatient Treatment Benefits

e) Pre-hospitalisation Treatment
(within 60 days before hospitalisation)

As charged1
f) Post-hospitalisation Treatment
(within 90 days after hospital discharge)
g) Day Surgery / Day Care Procedure

h) Outpatient Cancer Treatment

As charged1
(including take home drugs, examination tests & consultation)
i) Outpatient Kidney Dialysis
j) Outpatient Physiotherapy Treatment
(per year, within 90 days after hospital discharge)
6,000 8,000 10,000 12,000 14,000
k) Home Nursing Care
(per confinement, up to 180 days per lifetime )
4,000 5,000 6,000 8,000 10,000
l) Outpatient Dengue Fever Treatment Benefit
(per diagnosis)
2,000 2,500 3,000 4,000 5,000
Other Benefits
m) Intraocular Lens Up to 6,000 per lifetime
n) Emergency Treatment For Accidental Injury
(per accident)
4,000 5,500 6,000 8,000 10,000
Med Saver2 300
Overall Annual Limit 1.38mil 1.68mil 1.78mil 1.88mil 1.98mil
Lifetime Limit None
Emergency Medical Assistance3 Yes
Expert Medical Opinion3,4 Yes

Notes: 
1We shall only reimburse Reasonable and Customary Charges on eligible expenses which are deemed Medically Necessary up to overall annual limit.
2You must first pay a fixed amount equivalent to the Med Saver (i.e. RM300) selected out of the total Reasonable and Customary Charges of eligible benefits, which are Hospital & Surgical Benefits, Outpatient Treatment Benefits, and Emergency Treatment For Accidental Injury (excluding the cost of Hospital Daily Room & Board and Intraocular Lens) for any one disability.
3Emergency 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.
4Expert Medical Opinion is a value added service that provides second medical opinion from medical experts in various area of specialization. This service is to assist you to learn more about your medical conditions and make an informed decision on the treatment plans. 


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 PRUMillion Med as one of the medical riders that are selected for attachment.

Insurance Charges Please click here for full insurance charges.
Rider That Can Be Bought With This Plan PRUMedic Overseas
Basic Plans That Can Attach This Rider PRUWith You
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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PRUMillion Med

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