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 one, PRUlife ready or PRUmy child).

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Table of Benefits

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

Hospital & Surgical Benefits

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

 RM100 RM150  RM200 RM300  RM400 RM500  RM700 

Intensive Care Unit (30 days per year)

In-hospital & Related Services

  • Surgical
  • In-hospital & Related Services
  • Operating Theatre Fees
  • Anaesthetist Fees
  • Specialist’s Visit
As charged, subject to coinsurance 1, deductible or Med Saver 2

Out-patient Treatment Benefits

  • Pre-hospitalisation Treatment (within 30 days before hospitalisation)
  • Post-hospitalisation Treatment (within 90 days after hospital discharge)
  • Home Nursing Care (180 days per lifetime)
  • Day-surgery
  • Cancer Treatment
  • Kidney Dialysis
As charged subject to coinsurance 1, deductible 2 or Med Saver 2

Emergency Treatment for Accidental Injury

(Annual Limit)

RM1,000 RM1,500 RM2,000 RM3,000 RM4,000 RM5,000  RM6,000

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 Assistance

Yes

 

*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 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 Benefit (excluding cost of daily room & board), and maximum coinsurance amount of RM2,000 for Outpatient Treatment Benefit. The remaining balance is paid by the Company up to the annual and lifetime limit.

2 If deductible (only for PRUhealth attached to PRUlink one, PRUlife ready and PRUmy child) or Med Saver (only for PRUhealth attached to PRUwith you) 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.

 

Basic Plan Attachable

Please refer to PRUmy medical plus for further details.

Note: PRUmy medical plus is a package which uses PRUwith you as a basic plan and have PRUmillion med  as one of the riders that are selected for attachment.

  

Cost of Insurance Rates Please click here for full cost of insurance rates.
 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 to 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.

 

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