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Please find the cost of insurance rates below.
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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 medical insurance plan will continue to cover 80% of all eligible medical expenses, ensuring flexible 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
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
Summary of plan
| 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) |
| Hospitalisation Coverage: Hospital Daily Room & Board 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 (depending on R&B) |
| Med Saver / Deductible | Med Saver: RM300, RM1,000, RM3,000, RM5,000, RM10,000 (per disability) Deductible: RM25,000, RM50,000, RM75,000, RM100,000 (per annexure year) | |
| Coverage Term | Up to age 100 | |
Discover other Medical Plans
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 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 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.
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).
FAQ
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.
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