PRUMedic Overseas

Extend your medical safety net overseas.

A regular premium investment-linked medical rider that reimburses medical expenses incurred for hospitalisation and outpatient treatment overseas for covered illnesses.

PRUMedic Overseas is available for PRUValue Med, PRUMillion Med or PRUHealth only.


English Leaflet

Bahasa Malaysia Leaflet

Chinese Leaflet



You are covered for:
Surgery related to cancer
Coronary artery bypass surgery
Heart valve surgery
Organ transplant*

*Organ transplant for kidney, lung, liver, heart, pancreas or bone marrow


You may choose to be treated in:
Hong Kong


High Lifetime Limit

Product Details

Payment Term

Premiums are payable throughout the coverage term

Coverage Term

Depends on which Medical Plan this rider is attached to:

  1. When rider is attached to PRULink OnePRULife Ready or PRUMy Child
    • Up to 70, 80, 90ANB (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.
  2. When rider is attached to PRUWith You
Issue Age

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

*PRUMedic Overseas 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.

BenefitsBenefit Amount (RM)
Plan PRUMedic Overseas Gold PRUMedic Overseas Platinum 

Hospital & Surgical Benefits

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

b) Intensive Care Unit (30 days per year)

c) Surgical

d) In-hospital & Related Services

As Charged As Charged

Outpatient Treatment Benefits

a) Pre-hospitalisation Treatment (within 30 days before hospitalisation)

b) Post-hospitalisation Treatment (within 90 days after hospital discharge)

c) Home Nursing Care (up to 180 days per lifetime)

d) Day Surgery

e) Cancer Treatment

As Charged As Charged
Well-Being Benefit1 (RM) 5,000 10,000
Overall Annual Limit (RM) 200,000 400,000
Lifetime Limit (RM) 2,000,000 4,000,000


1 If surgery for a covered illness is done in Malaysia instead of overseas, then Well-Being Benefit will be payable for every hospitalisation and surgery done in Malaysia for the 5 covered illnesses. Once you have claimed the Well-Being Benefit, you shall no longer be entitled to claim other benefits (i.e. Hospital & Surgical Benefits and Outpatient Treatment Benefits) for that particular covered illness. For surgeries that fall under two or more categories of covered illness, Well-Being Benefit will be paid once for each hospitalisation. Any claim on this benefit will reduce the Overall Annual Limit and Lifetime Limit. 

We shall only reimburse on Reasonable and Customary Charges on eligible expenses which are deemed Medically Necessary. The reimbursement for the charges incurred for a covered illness shall be based on the Reasonable and Customary Charges in Malaysia or one of the specified countries, and not subject to 90 days residence limit.

Insurance Charges

Please click here for full insurance charges.

Riders That Can Be Attached To This Rider

PRUValue Med
PRUMillion Med
PRUHealth (applicable to PRULink One, PRULife Ready and PRUMy Child only)

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), and the consumer education booklet on ‘Investment-Linked Insurance’ and ‘Medical & Health Insurance’ for further information before purchasing the plan, and refer to the terms and conditions in the policy document for details of the features and benefits, exclusions and waiting period under the policy.
  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.

I am interested in this product. Let our Wealth Managers get in touch with you.

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PRUMedic Overseas

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