PRUTriple Med

We DO care for your needs for Life, Medical and Accidental protection.

You never know when you will face a medical emergency. PRUTriple Med protects you from expensive medical cost by providing you with a financial safety net, so that you could reduce the financial burden on yourself and your family. Beyond this, it also provides you with holistic accidental coverage against this unforeseen event.

PRUTriple Med is an insurance solution offered by our flagship product PRUWith You as the basic plan, attached with medical rider, PRUValue Med and accidental riders, as well as payor riders. 

English Leaflet

Bahasa Malaysia Leaflet

Chinese Leaflet

 

Highlights

medicalcoverage

No annual or lifetime limits

Med Saver

High Deductible Options

More Benefits

**Please refer to Product Disclosure Sheet for details of coverage.

holisticaccidentalcoverage

3 accidental protection riders to provide lump sum benefit, medical reimbursement and income in the event of a disability due to accidental causes.

**Please refer to Product Disclosure Sheet for details of coverage.

Product Details

Payment Term

Premium is payable throughout the coverage term

Coverage Term

20 years; or until policy anniversary of age 60, 70, 80, 90 or 100 next birthday [ANB]

Issue Age

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

Minimum Sum Assured

RM10,000 and subject to the minimum sum assured multiple

Maximum Sum Assured

Subject to underwriting

Benefit
  1. Death Benefit
  2. Total and Permanent Disability Benefit
  3. Maturity Benefit
  4. Goal Achievement Benefit
  5. Longevity Benefit

Please refer to here / Product Disclosure Sheet for details of coverage

Premium

Minimum insurance premium for:

  • Children (prenatal to 18 ANB) is RM50 per month
  • Adults (19 ANB to 70 ANB) is RM100 per month
Riders that can be bought with this policy

Additional Death Benefit

Hospital & Surgical

Critical Illness

Accident

Payor Benefit

Savings

Pregnancy and Child Care Benefits

 

*PRUMedic Overseas can only be attached when PRUValue Med or PRUMillion Med is attached.

** These riders can only be attached when PRUSaver or PRUSaver Kid and respective payor basic are attached.

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PRUTriple Med

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PRUTriple Med is an insurance solution offered with PRUWith You as the basic plan, attached with medical rider, PRUValue Med and accidental rider, as well as payor riders.

 

PRUTriple Med Package 

  1. PRUWith You
  2. PRUValue Med 
  3. Acci Guard Plus
  4. Acci Med Plus
  5. Acci Income Plus
  6. Payor Basic

Riders attachable

Medical Rider

PRUValue Med is a regular premium investment-linked medical rider that reimburses medical expenses incurred in the event of hospitalisation and for outpatient treatment.


Table of Benefits 

 

 

PRUValue Med

Med Saver1 or
Deductible1
  • Med Saver RM300
  • Deductible RM20,000
  • Deductible RM50,000
  • Deductible RM75,000
  • Deductible RM100,000
  • Without Med Saver / Deductible
  Room & Board Benefits
a. Hospital Daily Room & Board (R&B)

RM100, RM200, RM300, RM400, RM500 or RM600 per day

Up to 150 days per year

 

Hospital & Surgical Benefits

b. Intensive Care Unit

As charged2

Up to 90 days per year

c. In-hospital & Related Services
  • Surgical Fees
  • Hospital Supplies and Services
  • Operating Theatre Fees
  • Anaesthetist Fees
  • In-Hospital Specialist’s Visit

As charged2

 d. Organ/Bone Marrow Transplant Benefit

As charged2
(under surgical fees)

 

Outpatient Treatment  Benefits

e. Pre-hospitalisation Treatment

As charged2

Within 60 days before hospitalisation

f. Post-hospitalisation Treatment

As charged2

Within 90 days after hospital discharge

g. Day Surgery

As charged2
(includes Day Care Procedure)

h. Home Nursing Care


Up to 180 days per lifetime

 As charged2

 

i. Outpatient Cancer Treatment

 j. Outpatient Kidney Dialysis

 

As charged2

Up to 1.5 times of the initial Med Value Point per lifetime

(including take-home drugs, examination tests & consultation)

k. Outpatient Physiotherapy Treatment Benefit

Within 90 days after hospital discharge

As charged2

(under post-hospitalisation treatment)
  Other Benefits
l. Maternity Complications Benefit for Female Life Assured only Up to RM5,000 per year
m. Intraocular Lens Up to RM6,000 per lifetime
 n. Emergency Treatment For Accidental Injury Up to 10 times of Hospital Daily R&B amount per year
Annual and Lifetime Limit

No Annual and Lifetime Limit, subject to Med Value Point of RM1 million, RM1.5 million or RM2 million.

If the total claims paid exceed the chosen Med Value Point plus any accumulated Med Value Point Bonus, we shall pay 80% of the eligible benefit’s excess cost.

Med Value Point Bonus

Med Value Point increases at 2% of the initial Med Value Point at the end of every 2 policy years, provided no claim has been incurred during the 2 policy years and the policy remained in force during the preceding 2 policy years.

Applicable to plans with Hospital Daily R&B of RM300 and above.

Emergency Medical Assistance3

Yes

Expert Medical Opinion3,4

Yes

Notes:
1 If you choose a medical rider with Med Saver, you must first pay a fixed amount equivalent to the Med Saver selected out of the total Reasonable and Customary Charges of eligible benefits, which are Hospital & Surgical Benefits, Outpatient Treatment Benefits, Maternity Complications Benefits 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 and Deductible are not chosen, the fixed amount shall not apply.
2 We shall only reimburse Reasonable and Customary charges on eligible expenses which are deemed Medically Necessary up to respective limits.
3 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.
4 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.



Accidental Riders 

Obtain accidental coverage with Acci Guard PlusAcci Med Plus and Acci Income Plus which provide lump sum benefits, medical reimbursement and income respectively for disabilities due to accidental causes.

 

Payor Riders

Concerned about your policy when the unspeakable happens? Our Payor riders will pay for your plan in the event of death (if applicable), TPD¹, or Critical Illness2 of yourself or your covered family members. This will be made possible using our Payor, Parent Payor, 2Parent Payor, and Spouse Payor riders.

If more than one Payor rider trigger at once, not only will the premiums of the policy be borne by Prudential, but an amount equal to the Rider Sum Assured of the subsequent payor rider(s) will be allocated into the policy’s Account Value with 100% allocation, allowing for more funds for investment.

1TPD coverage is available prior to the Policy Anniversary Date of age 70 next birthday or expiry of the policy whichever is earlier.

2Angioplasty and Other Invasive Treatments for Coronary Artery Disease are not covered under Payor Riders.

  • This content contains only a brief description of the product and is not exhaustive. You are advised to refer to Prudential Assurance Malaysia Berhad (PAMB)’s Product Disclosure Sheet, Product / Sales Illustration, Fund Fact Sheet(s) and the insurance info booklet on ‘Investment-Linked Insurance’, ‘Personal Accident Insurance’ and ‘Medical and Health Insurance’ before purchasing the plan, and to refer to the terms and conditions in the policy document for details of the important features of the plan.
  • Please note that there are exclusions applicable to each respective benefits. Please refer to the Product Disclosure Sheet, Product / Sales Illustration and Policy Document for the full list of benefits, exclusions, waiting periods and other terms and conditions.
  • Please note that the package here consists of components that can be bought separately and you are not obligated to select all components of this package.
  • You should satisfy yourself that this product will best serve your needs. You should also satisfy yourself that the premium payable under the policy is an amount that you can afford. 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. You may also contact the insurance company directly for more information.
  • The insurance charge for basic benefits is guaranteed, whereas other charges and the insurance charges for the riders are not guaranteed and may be varied from time to time by giving 3 months’ notice to policy owners (except for medical and critical illness benefits where 30 days’ notice will be provided). If we increase the insurance charge rates, you may need to pay an additional premium or top-ups. Premiums for this plan are payable throughout the entire term of this policy.
  • Details of the fees and charges charged for providing the insurance coverage and its optional riders are detailed in the Product Disclosure Sheet and Product / Sales Illustration.
  • You can surrender the policy at any time. However, if you terminate the policy in the early years, you may get back less than the amount you have paid in. Upon surrender, a surrender value will be payable and all the benefits under this plan will be terminated.
  • There is a free-look period of 15 days after the delivery of your policy to allow you to review it if it meets your needs. If the policy is cancelled within this period, we will refund you the value of units (at the next pricing date) plus the premiums that are not invested, insurance charges, policy fees and taxes (if any) that we have deducted, less medical expenses that we may have already paid or agreed to pay.
  • Among other factors, non-payment of premiums may cause this policy to lapse. The policy coverage term shall depend on the policy having sufficient cash value to cover all the policy charges. Therefore, depending on the amount of units available in its accounts, riders (if any) of the policy may lapse and cease to be in force at different points of time.
  • If you switch your current medical plan with another or from one provider to another, you may be subject to new underwriting requirements and waiting periods for the new plan.
  • You must inform us of any change in your occupation, avocation or sports activities because it may affect the premiums, terms, conditions and benefits.
  • For more information on the funds, please refer to their respective Fund Fact Sheet available on our website at www.prudential.com.my. You may also track the performance of your funds by checking the unit prices published daily on our website.
  • Any age reference shall be on the basis of Age Next Birthday.
  • PRUWith You and its attachable riders are not Shariah-compliant products.
  • PAMB is an insurance company licensed under the Financial Services Act 2013 and is regulated by Bank Negara Malaysia.

 

Prudential Assurance Malaysia Berhad
Member of PIDM

Prudential Assurance Malaysia Berhad (PAMB) is a member of Perbadanan Insurans Deposit Malaysia (PIDM). As a member of PIDM, some of the benefits insured under the insurance policies offered by PAMB are protected against loss of part or all of insurance benefits by PIDM, in the unlikely event of an insurer member failure. For further details of the protection limits and the scope of coverage, please obtain a PIDM information brochure from PAMB or visit PIDM website (www.pidm.gov.my) or call PIDM toll-free line (1-800-88-1266).

 

PLEASE NOTE THAT THIS IS AN INSURANCE PRODUCT THAT IS TIED TO THE PERFORMANCE OF THE UNDERLYING ASSETS, AND IS NOT A PURE INVESTMENT PRODUCT SUCH AS UNIT TRUSTS.

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