prumillion med active

PRUMillion Med Active

The medical plan that lets you pay less when you claim less.
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Discover the Control to Pay Less

 

Be in control – pay less when you claim less. With PRUMillion Med Active, you can now save on your medical insurance charges by staying healthy, without compromising on your coverage.

Safeguard yourself with high coverage against rising medical expenses. In bringing health within reach, our reason is you.

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Terms and Conditions apply.

Safeguard yourself against rising healthcare cost

 

 

Save more on your insurance premiums

  • Deductibles options from min. RM500 - RM10,000
  • Coinsurance of 10% from min. RM500 - RM20,000

 

Deductibles: Deductible is usually a fixed amount you pay out of your pocket for medical expenses before your medical plan starts to pay out.

Coinsurance: Coinsurance is a cost-sharing arrangement in which the policyholder pays a percentage of the covered medical expenses.

Terms and Conditions apply.

Summary of Basic and Booster Plan

 

PMMA

PMMA Booster

Active Pricing

Up to 15% instant discount when you make no claims

Hospital Daily Room & Board and Intensive Care Unit (ICU)

Up to 150 days per year

No maximum number of days per year

Annual Limit

Up to RM8 million
(depending on R&B)

Up to RM18 million OR enjoy no annual limit with coinsurance
(depending on R&B)

No Claims Benefit

-

Up to RM1,000 annually.

Covrage Period for Post-hospitalisation treatment

Within 180 days following discharge from hospital

Within 365 days following discharge from hospital

Coverage Term

Up to age 100

Coinsurance / Med Saver / Deductible

Coinsurance: 10% (min RM500, max RM20,000)
Deductible: RM500, RM1,000, RM5,000, RM10,000 (per annexure year)

PRUPanel Plus, exclusively for Prudential medical policyholders.

A network of hospitals and specialist centres to provide you with better value and care.

Discover PRUPanel Plus now

Attachable plan​

PRUMillion Med Active rider and Active Booster rider are attachable to our basic plan, PRUWith You.

PRUWith You is a comprehensive investment linked plan that comes with other add-on rider benefits. Learn more about PRUWith You here.

Extra plans

Explore other alternative medical plans.

 

Be at ease. High annual coverage with no lifetime limit:

Get continuous coverage through the years:

 

  • PRUValue Med                                    

*Terms and Conditions apply.
The premiums are not guaranteed and may vary in the future.

Learn more

Cost of Insurance Rates
Please find the cost of insurance rates below.
Important notes
Key information and disclaimers.

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 Leaflet, Product Disclosure Sheet, Product Illustration, 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 features and benefits, exclusions and waiting periods under the policy.

PROTECTION BY PERBADANAN INSURANS DEPOSIT MALAYSIA (“PIDM”) ON BENEFITS PAYABLE FROM THE UNIT PORTION OF THIS CERTIFICATE/POLICY IS(ARE) SUBJECT TO LIMITATIONS. 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).

FAQ

What is active pricing in PRUMillion Med Active medical insurance?

Active Pricing is a feature that provides an instant discount on your medical insurance charges. If you stay healthy and don't make any claims, you can continue enjoying this discount without any changes to your medical coverage.

How will active pricing affect my PRUMillion Med Active medical insurance plan?

Active pricing lowers your medical insurance charges from the start. As long as you remain claim-free, this reduced rate will continue, giving you more control over your insurance costs while maintaining full coverage.

How Can I Lower My Premiums with PRUMillion Med Active?

To keep your premiums low, focus on maintain good health and avoid making claims. PRUMillion Med Active rewards this by letting you retain your initial discount on medical insurance charges each year.

Can my premiums decrease with active pricing?

Yes! If you don’t make any medical claims, you’ll continue to enjoy the discounted insurance charges under PRUMillion Med Active. This helps you manage your medical costs more effectively over time.

Will my medical insurance coverage change if my premiums decrease?

No, your coverage remains exactly the same. Active Pricing only affects your medical insurance charges—it does not reduce or limit your medical protection in any way.

Will my premiums increase if I make a claim under PRUMillion Med Active?

Yes, your premiums may temporarily increase depending on your medical claim amount. For claims under RM5,000, the increase is minimal and lasts for just one year. For claims of RM5,000 or more, the premiums will increase for a few years before gradually returning to the discounted rate.

What are the benefits of choosing an active pricing medical insurance plan?

Active Pricing lets you enjoy lower premiums while keeping a comprehensive medical coverage. It rewards your healthy lifestyle and helps you manage your insurance costs without sacrificing your medical benefits.

Can I use my PRUMillion Med Active medical card at any hospital?

You can use your medical card at any of Prudential’s approved panel hospitals. To confirm if your preferred hospital is included, check the Prudential’s Panel Hospital List. Be sure to review any terms or conditions that may apply to your medical plan.

How do I choose the best medical insurance plan?

When comparing plans, consider factors such as medical coverage options, potential savings from discounted premiums, and available boosters for added protection. Choose a medical plan that fits your health needs and budget here.

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