PRUValue Med

Even after your accumulated claims have reached your selected Med Value Point, PRUValue Med will continue to cover 80% of eligible medical expenses beyond that amount, subject to the policy terms and conditions. 

This helps provide continued protection against large and unexpected medical expenses throughout your lifetime.

PRUValue Med offers Med Value Point options of RM1 million, RM1.5 million, and RM2 million. You can choose the option that best suits your healthcare needs, financial goals, and preferred level of medical protection.

PRUValue Med allows you to choose either a Med Saver option or a Deductible option to help reduce your insurance cost. Med Saver applies a fixed amount per disability, while Deductible applies a fixed amount to eligible claims incurred within an annexure year.

These options provide flexibility for individuals who want to customise their medical coverage according to their healthcare needs and budget.

Yes. PRUValue Med offers multiple Hospital Daily Room & Board options ranging from RM150 to RM600 per day, allowing you to choose a plan that matches your healthcare preferences and affordability requirements.

Yes. PRUValue Med provides coverage for eligible outpatient kidney dialysis treatment, subject to policy terms and conditions. This benefit helps reduce the financial burden associated with ongoing dialysis treatment and long-term kidney care.

Yes. PRUValue Med provides coverage for eligible outpatient cancer treatment, subject to policy terms and conditions.

Policyholders who attach PRUValue Med Booster may also enjoy additional cancer-related benefits, including genomic testing and extended post-hospitalisation treatment coverage for eligible cancer conditions.

Yes. PRUValue Med can be enhanced with PRUMedic Overseas, which provides coverage for eligible hospitalisation and outpatient treatment incurred in selected overseas locations such as Singapore, Hong Kong and China, subject to policy terms and conditions.

PRUValue Med Booster is an optional rider that enhances your PRUValue Med coverage with additional benefits. These include automatic increases to your Med Value Point, unlimited Room & Board and ICU coverage days, extended post-hospitalisation treatment coverage for eligible serious conditions, and a No Claims Benefit.

PRUValue Med Booster helps protect against rising healthcare costs by automatically increasing your Med Value Point every year. This feature helps your medical coverage keep pace with healthcare inflation and increasing treatment costs over time, subject to policy terms and conditions.

If no claim is made during the preceding year, eligible policyholders can receive up to RM1,000 annually for preventive healthcare services such as health screenings, vaccinations, diagnostic tests and wellness programmes, subject to policy terms and conditions.

Yes. PRUValue Med covers eligible post-hospitalisation treatment within 90 days after discharge. For policyholders with PRUValue Med Booster, post-hospitalisation treatment coverage can be extended up to 365 days for eligible serious conditions, subject to policy terms and conditions.

PRUValue Med provides medical coverage up to age 100, helping to ensure long-term protection against healthcare expenses throughout different stages of life, subject to policy terms and conditions.

PRUValue Med is a lifetime medical insurance plan that provides continuous coverage up to age 100, with a special lifetime limit known as the Med Value Point of up to RM2 million. Even after reaching this limit, Prudential continues to cover 80% of eligible medical expenses—ensuring ongoing support for your healthcare needs.

Med Value Point defines how much coverage you receive throughout your insurance policy. Once your total claims exceed the Med Value Point, PRUValue Med will still cover 80% of your eligible medical costs, ensuring continued medical support for hospitalisation and treatment.​

PRUValue Med allows you to select either a Med Saver option from RM300 to RM10,000 per disability, or Deductible option from RM20,000 to RM100,000 per annexure year. This flexibility lets you reduce your premium without compromising your coverage.