Cover Your Health in Times of Need
PRUValue Med offers you a special lifetime limit (known as Med Value Point) of up to RM2 million. Even after reaching this limit, this plan will continue to cover 80% of all eligible medical expenses, ensuring ongoing support for your healthcare needs.
Get continuous medical coverage today. In bringing health within reach, our reason is you.
How does
Med Value Point work?
PRUValue Med benefits
Comprehensive coverage with special lifetime limit
Up to RM2 million special lifetime limit or known as Med Value Point.
Recover comfortably
Extend your medical coverage overseas
Attach PRUMedic Overseas for hospitalisation and outpatient treatment incurred in Singapore, Hong Kong or China.
Find out more about PRUMedic Overseas here.
Safeguard yourself against rising healthcare cost
Save more on your insurance premiums
A Med Saver / Deductible helps you to reduce your premium due to lower insurance charges, thus helping you to save more over time without compromising your coverage.
- Med Saver options from RM300 - RM10,000 (per disability)
- Deductible options from min. RM20,000 - RM100,000 (per annexure year)
Med Saver / Deductible is usually a fixed amount you pay out of your pocket for medical expenses before your medical plan starts to pay out.
More benefits with booster option
Guaranteed auto-increasing Med Value Point
Rewarding your health effort with No Claims Benefit
Redeem up to RM1,000 annually, for healthcare packages.
Find out more about No Claims Benefit here.
Extensive Hospitalisation Care
- Unlimited number of days for Room & Board (R&B) and Intensive Care Unit (ICU)
- Up to 365 days for post-hospitalisation treatment for serious conditions
Summary of Plan and Booster
|
PRUValue Med |
PRUValue Med Booster |
|
|
Special Lifetime Limit (Med Value Point) |
RM1 mil, RM1.5 mil or RM2 mil |
Increases up to RM150,000 every year (depending on R&B) |
|
Hospital Daily R&B and Intensive Care Unit (ICU) |
Up to 90 days per year |
No maximum number of days per year |
|
Coverage Period for Post-hospitalisation treatment |
Within 90 days following discharge from hospital |
Within 365 days following discharge from hospital (for serious condition) |
|
No Claims Benefit |
- |
Up to RM1,000 annually |
|
Med Saver / Deductible |
Med Saver: RM300, RM1,000, RM3,000, RM5,000, RM10,000 (per disability) |
|
|
Coverage Term |
Up to age 100 |
|
Discover other Medical Plans
PRUPanel Plus,
exclusively for Prudential medical policyholders.
A network of hospitals and specialist centres to provide you with better value and care.
Attachable plan
PRUValue Med and PRUValue Med Booster rider is attachable to our basic plan PRUWith You Plus.
PRUWith You Plus is a comprehensive investment-linked plan that comes with other add-on rider benefits. Learn more about PRUWith You Plus.
Terms and Conditions apply.
Learn more
Cost of Insurance Rates
PRUValue Med Cost of Insurance Rates
PRUValue Med Booster Cost of Insurance Rates
Note: The insurance charges are not guaranteed and may vary in the future.
Important notes
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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, 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.
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If you choose PRUValue Med with deductible and do not provide the date of deductible, the date of deductible will be defaulted to PRUValue Med's effective date (i.e. date of annexure). When date of deductible and/or any of PRUValue Med with deductible’s benefit is amended (i.e. Hospital daily room and board, Med Value Point, Med Saver/deductible or expiry age), deductible will restart from zero and re-accumulate each time from the new effective date and date of deductible.
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).