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PRUMy Medical Plus

An insurance solution that covers your medical costs and pays a lump sum if you become Total and Permanently Disabled (TPD) or unfortunately pass away.

Do you know that your basic health plan might not be sufficient to provide you coverage in terms of Total or Permanent Disability (TPD)? This is why you should invest in a disabled insurance plan that offers complete protection if you ever met one.

Life is uncertain, and preparing for the unforeseen is what can save one from future financial problems. Hence, getting Total and Permanent Disability (TPD) insurance that provides for lump sum amount in case of death or total or permanent disability is essential.

PRUMy Medical Plus is an ideal choice for people looking for an insurance cover that provides for their family and themselves in case of death or total or permanent disability. It brings the relief to look after your medical bills while you focus on your health. It comes in a range of three different customized plans depending upon your needs and affordability. You can choose from PRUValue Med, and PRUMillion Med depending on the premiums and lifetime limit you want to choose. Contact us today to find out which plan is best suited for you and your family.

We cover your medical bills so you don’t have to


PRUMy Medical Plus takes the worry away by paying for your treatment, so you can concentrate on getting well again.

Choose from three plans with different types and levels of coverage to pay your medical bills:

We pay your medical bills if you need hospital treatment.  There is no annual or lifetime benefit payment limit (although you will need to pay part of your future claims yourself once we have paid RM1 million or more depending on your plan)

If you need treatment, we pay the costs up to RM1.98 million a year – with no lifetime limit.

We cover your hospital bills up to RM150,000 a year with a RM1.56 million lifetime limit and we also pay a yearly bonus into your policy account if you do not make a claim.

Extra plans

You can also add extra plans to strengthen your coverage. Choose from plans that:





Pay your overseas hospital bills:



Pay you a lump sum or your medical cost or a regular income if you have an accident:



Pay you a lump sum if you have a critical illness:



Pay your premiums upon TPD, death or diagnosis of critical illness:





Protect your unborn or young child and their mother:


  • Mom and Baby Care                                    


Build a lump sum for your child’s future, a rainy day or whatever you choose:



Pay additional death benefit:


Learn more

More about PRUMy Medical Plus
PRUMy Medical Plus is flexible so you can make your medical insurance suit your needs and your affordability. Choose the plan that fits you best and the coverage you need.
  • Choose the type of coverage that suits you best

  • Choose from three hospital coverage plans with different levels of protection

  • Choose a plan with no lifetime coverage limit or share the cost of your treatment to bring down your premiums

  • Add optional extra coverage that pays you a lump sum if you have a critical illness or condition and coverage that pays you a lump sum, a regular income or your hospital bills after an accident

Using PRUMy Medical Plus to supplement your existing hospital coverage 

If you already have another medical policy, perhaps with your employer, PRUMy Medical Plus gives you more comprehensive coverage at lower cost. Use your first plan (your employer’s, for example) to pay the first part of a claim and your PRUMy Medical Plus plan tops up your coverage to the amount you choose.

For example:

Ms Lee has an employer’s hospital plan with a limit of RM50,000 She chooses PRUMy Medical Plus to cover her up to RM1,000,000 but at a reduced premium because her employer’s plan would pay the first RM50,000 of any claim. 

The medical plan chosen by Ms Lee is PRUValue Med with RM50,000 deductible.



PRUValue Med

PRUMillion Med

Annual limit

Choose RM50,000 / RM62,500 / RM75,000 / RM100,000 / RM150,000


RM1.38 million to RM1.98 million (depending on the plan you choose)

Lifetime claim limit

Choose RM520,000 / RM650,000 / RM780,000 / RM1.04 million / RM1.56 million

None – but after your treatment costs reach RM1 million, RM1.5 million or RM2 million (based on your selection) you will need to pay 20% of the costs above


Choose your daily  hospital room and board coverage

RM100, RM150, RM200, RM300, RM400

RM150, RM200, RM300, RM400, RM500, RM600

RM200 RM250, RM300, RM400, RM500

Outpatient dialysis coverage




Outpatient cancer treatment




Day surgery in a clinic




Other benefits

No Claims Bonus

Coverage for Maternity Complications

Outpatient treatment for Dengue Fever,

Outpatient Physiotherapy Treatment


Download our product brochure for more details on the plan’s coverage.



About your plan

How much does it cost (your premium)?

Minimum insurance premium for:

  • Children (before birth to 18 years old) is RM50 per month

  • Adults (19 to 70 years old) is RM100 per month

Insurance premium will vary according to the amount of coverage, age, gender and smoking status.

How long will I need to pay premiums?

You pay premiums for as long as you have your plan in force.

How long does the coverage last?

Choose to stop your plan at 60, 70, 80, 90 or 100 years old.

How old must the life assured (the person covered by the plan) be when the plan starts?

Before birth: After 13 weeks into pregnancy.

After birth: Age 1 – 70 years old.


What’s the minimum amount of coverage?


What’s the maximum life coverage?

Our underwriters decide this, depending on your circumstances.

All ages in this table are age next birthday (ANB).


Important notes
Key information and disclaimers.
  1. PRUMy Medical Plus is a solution offered using our product, PRUWith You as its basic plan. 

  2. Please note that the package here consists of components that can be bought separately and you are not obligated to select all components of this package. This product comes with an option to extend the term of basic plan and rider(s) (if applicable) up to the Policy Anniversary of Life Assured’s age 100 or the rider’s maximum coverage term, whichever is earlier. Unless you withdraw the consent, policy will be auto extended as long as it has sufficient value of units to be deducted to pay for the relevant charges, fees and taxes during the extended term. To ensure sufficient value of units, additional premium is likely required during the extended term. 

  3. This content contains only a brief description of the product and is not exhaustive. You are advised to refer to Prudential Assurance Malaysia Berhad (PAMB)’s Brochure, Product Disclosure Sheet, Product / Sales Illustration, and the consumer education booklet on Life Insurance, Investment-Linked Insurance, Personal Accident Insurance, and Medical and Health Insurance before purchasing the plan, and to refer to the terms and conditions in the policy document for details of the features and benefits, exclusions and waiting periods under the policy.

  4. This product comes with Extension of Coverage Term to extend  the term of basic plan up to the Policy Anniversary of Life Assured’s age 100. For rider(s), if applicable, the rider's term will be extended up to the Policy Anniversary of Life Assured's age 100 or the rider’s maximum coverage term, whichever is earlier. Unless you request to disable the Extension of Coverage Term, your policy will be auto extended as long as it has sufficient value of units to be deducted to pay for the relevant charges, fees and taxes during the extended term. To ensure sufficient value of units, additional premium is likely required during the extended term. During the extended coverage term, the coverage provided by the basic plan and rider(s) (if applicable) will remain the same.


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