PRUValue Med

Get more with PRUValue Med.

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


PRUvalue_med (1)

Total eligible claims paid up to RM2mil Med Value Point and we still cover 80% of your eligible claims beyond that.


Enjoy the premiums saved to increase your coverage.


Deductible options of RM20,000, RM50,000, RM75,000 and RM100,000 to complement your existing medical coverage.

PRUvalue_med (4)

Additional benefits on top of what you would expect from a medical plan.

Product Details

Payment Term

Premium is payable throughout the coverage term

Coverage Term

Up to age 100 (Age Next Birthday)

Issue Age

1 – 70 years old (Age Next Birthday)

 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


  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.

Cost of Insurance Rates

Please click here for full cost of insurance rates

Optional Benefits 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’s Brochure, Product Disclosure Sheet, Sales 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 Prudential Assurance Malaysia Berhad (PAMB) directly for more information.
  4. If you choose PRUvalue med with Deductible and do not provide the Date of Deductible, the Date of Deductible will be defaulted to the PRUvalue med ’s effective date (i.e. Date of Annexure). When Date of Deductible and/or any of PRUvalue med with Deductible’s benefit is amended (i.e. Hospital Daily Room and Board, Med Value Point, Med Saver/Deductible or Expiry Age), Deductible will restart from zero and re-accumulate each time from the new effective date and Date of Deductible.

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PRUValue Med

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