Please find the cost of insurance rates below.
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Discover the control to pay less
Be in control – pay less when you claim less. With PRUMillion Med Active 2.0, you can now save on your medical insurance charges by staying healthy, without compromising on your coverage.
Safeguard yourself with comprehensive coverage that helps protect against rising medical expenses. In bringing health within reach, our reason is you.
Be in control with PRUMillion Med Active 2.0 :
Safeguard yourself against rising healthcare cost
Save more on your insurance premiums
A deductible / co-insurance helps you to reduce your premium due to lower insurance charges, thus helping you to save more over time without compromising your coverage.
- Deductible options from min. RM500 - RM10,000 (per annexure year)
- Co-insurance of 10% (min. RM500, max RM20,000) (per claim)
Deductible is usually a fixed amount you pay out of your pocket for medical expenses before your medical plan starts to pay out.
Co-insurance is a cost-sharing arrangement in which the policyholder pays a percentage of the covered medical expenses.
Summary of plan
PRUMillion Med Active 2.0 | |
|---|---|
Active Pricing | Receive an instant discount of up to 15% off your PRUMillion Med Active 2.0 insurance charges and continue to enjoy this benefit yearly if you don’t make a claim. |
Annual Limit | Up to RM2 million |
Hospital Daily Room & | Up to 150 days per year |
Coverage Period for | Within 180 days following discharge from hospital |
Deductible / Co-insurance | Deductible: RM500, RM1,000, RM5,000, RM10,000 (per annexure year) |
Coverage Term | Up to age 100 |
Discover other Medical Plans
Attachable plan
PRUMillion Med Active 2.0 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 here.
Terms and Conditions apply.
Learn more
Note: The insurance charges are not guaranteed and may vary in the future.
Please find the sample PDS below.
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
Yes. PRUMillion Med Active 2.0 offers comprehensive cancer protection including genomic testing, treatment and follow-up care during cancer remission.
Co-insurance is a cost-sharing arrangement in which the policyholder pays a percentage of the covered medical expenses. Co-insurance helps you to reduce your premium due to lower insurance charges, thus helping you to save more over time without compromising your coverage.
Active Pricing is a feature that provides an instant discount up to 15% 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.
To keep your premium low, focus on maintaining good health and avoid making unnecessary claims. PRUMillion Med Active 2.0 rewards this by letting you retain your initial discount on medical insurance charges each year.
Your premium will increase temporarily depending on your medical claim amount, due to the additional Active Premium. For claims below RM5,000, the increase lasts for 1 year*. For claims of RM5,000 or more, the premium will increase for 3 years before returning to the discounted rate*.
Notes:
• For Life Assured with Age Next Birthday 76 and above, you will not be required to pay additional Active Premium after a claim is made under PRUMillion Med Active 2.0.
• *Active Premium will not be required once PRUMillion Med Active 2.0 insurance charges returns to the discounted rate.
Active Pricing lets you enjoy lower premium due to the discount on medical insurance charges while keeping a comprehensive medical coverage. It rewards your healthy lifestyle and helps you manage your insurance costs without sacrificing your medical benefits.
Deductible is usually a fixed amount you pay out of your pocket for medical expenses before your medical plan starts to pay out. A deductible helps you to reduce your premium due to lower insurance charges, thus helping you to save more over time without compromising your coverage.
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