PRUMy Medical Plus

Medical insurance is a type of insurance that covers the partial or whole cost of private medical expenses. This includes healthcare services and hospitalisation costs. 

This would depend on your age, affordability, family history and your lifestyle. Speak to a Prudential Wealth Planner to assess what is best for you.

The rising of medical inflation rate coupled with an increase in critical illness has brought attention to medical insurance available in Malaysia. With the reported cases of 52,000 strokes a year and 2,500 cases of kidney failure, having medical insurance in Malaysia can reduce the financial burden of individuals and make them future ready with the right coverage.

Every medical card is different. You would first need to assess the coverage of your existing medical card and the healthcare provided by your company (if any). Speak to a Prudential Wealth Planner for a better understanding on how to fill the gaps of your existing medical coverage.  

Yes, definitely! A medical insurance or medical card can help you prepare for unforeseen emergency situation without taking a toll on your financial circumstances. In times of growing uncertainty, a medical cover is proven to be of added value for a secure future.

In medical insurance, you pay a monthly premium for your plan for an agreed time. In return, your insurer will provide the cost of your hospital expense and treatment depending on the coverage stipulated in your policy.  Do take note that there is an exclusion list of treatments/items that are not covered by your medical insurance. Always check on your policy document to find out what your plan covers.

This would depend on your age, gender, family history, lifestyle and coverage amount. Speak to a Prudential Wealth Planner to obtain a quotation.

Life insurance pays out a lump sum to the beneficiary only in the event of the insured’s death. Health insurance covers your medical and healthcare expenses when you’re ill or admitted to the hospital. Both are equally important as they help you (and your family) in different ways.

Our Prudential Wealth Planner would be able to advise which plan is best for you.

Depending on your specific plan, TPD coverage may be an optional add-on or a standard feature. Speak to our customer service, and we will happily provide further information.

Yes, you can choose your preferred hospital for treatment, provided it is within the network of hospitals and clinics covered by your medical plan. Prudential has a vast network of healthcare providers to ensure you access quality healthcare services.

Yes, there may be a waiting period of 30 days for hospitalisation and surgery. However, wait times for some conditions depending on the plan and the type of treatment required.

No, our medical card only covers the life assured. You may speak to our Wealth Planner for more information.

If you exceed the annual limit for medical expenses, you will have to pay for the additional costs out of your pocket. However, some plans may offer other benefits or top-up options to cover the excess.

The cost depends on your chosen plan, age, and medical history. Prudential offers flexible payment options to suit your budget and lifestyle. Speak to one of our Prudential agents for an affordable medical card suitable for you.

Yes, you can cancel your medical plan anytime. However, you may be subject to cancellation fees or penalties depending on the terms and conditions of your policy.

You can opt to enhance your coverage by adding on accident coverage. This means that if you experience an accidental injury that requires immediate medical attention, the plan will cover the cost of outpatient treatment, such as consultation fees, diagnostic tests, and medications, up to the maximum limit stated in your policy.

Hospitalisation and surgical expenses may also be covered subject to the terms and conditions of the plan.

Yes, you can add critical illness coverage that provides financial protection if diagnosed with a critical illness such as cancer, heart attack, or stroke. You can customise your coverage based on your individual needs and budget.

Prudential’s critical illness insurance policies are customisable and thus, can be adjusted to fit your budget. Speak to us for more information on how to customise plans based on your individual needs.