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.

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Table of Benefits

 Benefits  
Plan 200
(RM)
Plan 250
(RM)
Plan 300
(RM)
Plan 400
(RM)
Plan 500
(RM)
 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)
 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
 As Charged 1
 Outpatient Treatment Benefits
 e) Pre-hospitalisation Treatment (Within 60 days before hospitalisation)
 f) Post-hospitalisation Treatment (Within 90 days after hospital discharge)
 g) Day Surgery / Day Care Procedure
 As Charged 1
 h) Outpatient Cancer Treatment
 i) Outpatient Kidney Dialysis 
 As Charged 1
(Including take home drugs, examination tests & consultation)
 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, 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 RM 6,000 per lifetime
 n) Emergency Treatment For Accidental Injury (per accident)  
4,000 5,000 6,000 8,000 10,000
 Med Saver 2  RM 300
 Overall Annual Limit  
1,380,000 1,680,000 1,780,000 1,880,000 1,980,000
 Lifetime Limit  None
 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. You 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.
  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 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.

Note:
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.

 

Basic Plan Attachable

Please refer to PRUmy medical plus for further details.

Note: PRUmy medical plus is a package which use 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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