Medical / health insurance covers medical expenses that may arise due to an illness. These could include hospitalisation costs, medicine costs, and doctor consultation fees.

It is important because falling sick or getting hurt is never planned. A serious disease or accident can strike at any time. Often, individuals may not be financially prepared or have sufficient savings to cover the costs of treatment, which continues to increase over time. A medical / health insurance policy helps to protect individuals and their families in such circumstances.

Insurance premium is the amount/premium that policyholders must pay for their health/medical insurance coverage.

The insurance premium is calculated depending on your monthly insurance charges which typically depends on your age, gender, coverage selected, medical history, among other factors.

Missing a premium payment may result in the lapse of your medical insurance coverage. Do contact our customer service as quickly as possible to discuss options and reinstate your policy if you have missed payments.

When comparing plans, consider factors like medical coverage options, benefit limits, and any unique features offered. Choose a medical plan that fits your health needs and budget.

Medical insurance can cover your medical expenses in the event of hospitalisation or outpatient treatment due to illness or injury.

On the other hand, life insurance provides a lump sum death benefit to your beneficiaries in the event of death, helping to cover future income loss and other outstanding obligations such as funeral costs, hospital expenses, and debts.

If you exceed the annual limit of your medical insurance plan, you will have to pay for the additional costs out of your pocket.

Yes, waiting period may be applicable depending on the type of condition. However, there is no waiting period applicable if it is due to an accident.

Our medical plans generally exclude Pre-existing conditions. However, you may submit a medical/doctor’s report for our further review and deliberation.

Yes, you can choose your preferred hospital for treatment. Prudential offers access to a wide network of panel hospitals across Malaysia, ensuring you receive the care you need at your convenience.

Prudential medical insurance plans does offer medical coverage abroad, depending on the terms and conditions of your policy. If you travel frequently, it is best to check the details of your plan for international coverage.

For additional overseas protection, you can choose to enhance your plan with PRUMedic Overseas (a sub-rider attachable to PRUValue Med), which reimburses medical and outpatient treatment costs of selected 5 conditions in Singapore, Hong Kong, and China.