Cover Your Health in Times of Need
PRUValue Med offers you a special lifetime limit of up to RM2 million. Even after reaching this limit (known as Med Value Point), 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?
Terms and Conditions apply.
PRUValue Med benefits
Comprehensive coverage
Up to RM2 million special lifetime limit or known as Med Value Point.
Recover comfortably
Terms and Conditions apply.
Safeguard yourself against rising healthcare cost
Save more on your insurance premiums
- Flexible Med Saver from RM300 - RM10,000 (per disability)
- Deductibles options from min. RM20,000 - RM100,000
Coinsurance: Coinsurance is a cost-sharing arrangement in which the policyholder pays a percentage of the covered medical expenses.
Deductibles: 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
Up to RM15 million yearly.
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
Terms and Conditions apply.
Summary of Basic and Booster Plan
|
PRUValue Med |
PRUValue Med Booster |
|
|
Hospital Daily R&B and Intensive Care Unit (ICU) |
Up to 150 days per year |
No maximum number of days per year |
|
Special Lifetime Limit (Med Value Point) |
Flexible Option: |
Increases up to RM150,000 every year (depending on R&B) |
|
No Claims Benefit |
- |
Up to RM1,000 annually. |
|
Covrage Period for Post-hospitalisation treatment |
Within 90 days following discharge from hospital |
Up to 365 days following discharge from hospital |
|
Coverage Term |
Up to age 100 |
|
|
Coinsurance / Med Saver / Deductible |
No Med Saver / Deductible |
|
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.
PRUWith You is a comprehensive investment-linked plan that comes with other add-on rider benefits. Learn more about PRUWith You.
Learn more
Cost of Insurance Rates
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).