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PRUSenior Med

Health coverage that takes care of your medical bills as you age. It’s the perfect insurance for elderly parents and senior citizens.

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More about PRUSenior Med
Coverage for your medical bills as you age.

PRUSenior Med is a health protection plan that covers you till 80 years old.

Medical coverage for when you need it most

We pay for your large medical bills if you require hospitalisation, for illnesses or major surgeries. If you unfortunately pass away, we pay a lump sum to help look after your family.

A choice of 2 plans to meet your personal needs


Plan 1

Plan 2

Death Benefit



Room & Board



Minimum Co-Insurance Amount



Lifetime Limit



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




About your plan

How much does it cost (your premium)?

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?

Up to 80 years old

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

45 - 70 years old


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

Important notes
Key information and disclaimers.
  1. 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, Sales Illustration, 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.

The benefit(s) payable under eligible certificate/policy is(are) protected by Perbadanan Insurans Deposit Malaysia (“PIDM”) up to limits. Please refer to PIDM’s Takaful and Insurance Benefits Protection System (“TIPS”) Brochure or contact Prudential Assurance Malaysia Berhad or PIDM (visit www.pidm.gov.my).

What is the Malaysia senior citizen age?

In Malaysia, people aged 60 years and above are considered senior citizens.

Can senior citizens get medical insurance?

Yes, with plans such as PRUSenior Med, senior citizens can ensure that they have financial resources to cover medical and treatment costs if they get sick or hospitalised. 


What is the maximum age to buy medical insurance?

The maximum age limit to purchase medical insurance depends on the insurance provider. Some providers offer coverage up to age 70, while others have a lower age limit. PRUSenior Med has a high entry age. You can purchase it anytime from 45 and before your 70th birthday, and it covers you till you’re 80 years old.

What types of insurance are available for elderly parents in Malaysia?

You can consider the following for elderly parents in Malaysia:

  • Private health insurance, which covers healthcare services, inpatient and outpatient treatments, diagnostic tests, prescription drugs, and specialised treatments and procedures with a wide network of healthcare providers. 

  • Critical illness insurance that provides financial coverage for serious illnesses such as cancer or heart disease. 

  • Long-term care insurance that covers costs such as nursing home or in-house care for elderly parents who are unable to live independently. 

  • Life insurance, which provides financial benefits for the beneficiaries of the policyholder. This insurance is one of the best options for senior citizens who want to ensure that their loved ones are cared for upon their passing.

However, it must be noted that these options and coverage depend on the insurance provider.

How much is medical insurance for the elderly?

The insurance premium will vary depending on factors such as the amount of coverage, age, gender, and even lifestyle choices such as smoking status. Thus, it’s best to check with the insurance provider.