Underwritten by Prudential Assurance Malaysia Berhad

PRUsenior med

A healthcare plan for seniors with low co-insurance payments, cancer and diabetes treatment claims, and affordable flat premiums throughout your policy period.

    • Co-Insurance Up To 10%
    • Hospital Accommodation Up To 120 Days
    • 15-Day Cancellation Refund

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How much you can claim for hospital bills

  • Annual Limit
    The claims on your medical card cannot exceed this amount in a single policy year.
    Not Applicable
  • Lifetime Limit
    Know your lifetime limit, your medical card expires if you reached this amount.
    from RM225000 up to RM225000
  • Diagnostic Tests
    This covers the costs for X-rays, blood tests, and MRI scans when your symptoms are being diagnosed.
    Not Covered
  • Room & Board
    For the nights that you spend in a hospital room instead of your own bed.
    from RM200 up to 120 days per year
    • Consultation & Diagnostic Procedures
      As Charged
    • Intensive Care Unit (ICU)
      Worsening conditions may require critical care in the specialised hospital ward.
      As Charged up to 30 days per year
    • Hospital Services and Supplies
      Charges for the sterilised bandages, intravenous drips, blood packs and other services while hospitalised.
      As Charged
    • Surgeon Fees
      How much your medical card covers for surgical procedures, minor and major.
      As Charged
    • Anesthetist Fees
      Some surgeries require the use of anaesthetic drugs to put you to sleep before the procedure.
      As Charged
    • Post Hospitalisation Treatment
      To help you recuperate after you've been discharged from the hospital.
      As Charged
    • Outpatient Kidney Dialysis Treatment
      How much your insurer will cover for dialysis if you suffer kidney failure.
      As Charged
    • Outpatient Cancer Treatment
      Inclusive of costs for chemotherapy and other treatments if you are diagnosed with cancer.
      As Charged
    • Day Surgery
      For surgical procedures that do not require you to spend the night in a hospital bed.
      As Charged
    • Home Nursing Care
      How much you're allowed to claim for home nursing care due to sickness or injury.
      As Charged up to 180 days per lifetime
View more coverage details +


How much your premiums may cost

  • Budget Planner

    Jack who is in his mid 40s is saving for retirement but could spare a little for a basic plan.

    Suggested PremiumRM1357
    Get Quote
  • School Teacher

    48 years old Arif is aware of the rising medical cost and needs a backup plan.

    Suggested PremiumRM2174
    Get Quote
  • Business Traveller

    Ahmad is an eminent businessman in his 50s who always plans ahead of time.

    Suggested PremiumRM2815
    Get Quote

Actual premium rates will be determined by Prudential Assurance Malaysia Berhad and may vary from what is suggested based on age, sex, occupation, lifestyle habits and other factors.

Suggested Premium is inclusive of 6% GST

How to Claim

Understanding the process to report a claim is as important as knowing your policy coverage. Get yourself familiarised with the process to avoid doing unnecessary work!

Panel Hospital

With the help of Prudential medical card, you can enjoy effortless admission at any panel hospital. All you got to do is present it upon hospitalisation and sign a Declaration & Authorisation form.

If your medical card is not with you, give your IC number to the hospital attendant and they'll have your policy verified in no time!

Depending on the hospital, you may or may not be required to pay a deposit to cover for non-medical items throughout the course of your admission.

Once you're back on your feet and ready to go, sign on the final bill and pay off any excess and fees that are not covered by your policy. 

Don't forget about your deposit! Any balance will refunded to you at the point of discharge.

Non-Panel Hospital

Your medical card is not applicable in this situation but not worry, just pay first and claim later. 

Request for a claim form from your servicing agent or call Prudential Customer Service at 03 2116 0228. You can also send an email to

Complete it and send it over to your nearest Prudential branch along with the original bill, original receipt and medical report.

Sit back and take a rest, Prudential will keep you updated on the progress of your claim.

Medical Assistance Hotline & Services
Hospital Alliance Services (HAS)
Prudential Customer Care Hotline

Panel Hospitals

Find a hospital or clinic near you!


Am I eligible to apply for this insurance?

Minimum Entry Age
At least 45 years of age
Maximum Entry Age
At most 70 years of age
Maximum Renewal Age
At most 80 years of age

Frequently Asked Questions about PRUsenior med

Things you might want to know

What is PRUsenior med all about?

PRUsenior med is a medical insurance policy for seniors which also provides extra death benefits of RM5000. Unlike most medical cards which are riders attached to another insurance policy, the PRUsenior med is a standalone medical insurance policy.

What kind of protection do I get?

PRUsenior coverage includes pre-hospitalisation and post-hospitalisation, home nursing care, outpatient cancer and kidney dialysis treatment, and hospital room and board of RM200 for a maximum of 120 days a year.

You’ll only have to pay 10% of your total eligible expenses or the minimum co-insurance amount of your plan, depending on which is higher. PRUsenior med offers two plans with a minimum co-insurance amount of RM3,000 and RM6,000. Your lifetime limit under this plan is RM225,000.

How long can I stay in a Prudential panel hospital?

The PRUsenior med will pay RM200 every day for your hospital stay and all other charges for up to 120 days.

If you've been admitted to the Intensive Care Unit ( ICU), you'll be covered for up to 30 days, subject to your lifetime limit and 10% co-insurance payment.

Can I make claims if I'm hospitalised overseas?

For any medical treatment overseas, your benefits will be paid based on rates for similar treatment at a Malaysian hospital. However, you will only be eligible if your trip does not extend beyond 90 days. 

How much are my premiums?

Prudential will determine your premium rates based on factors such as your age, sex and medical history. 

These rates will also change significantly based on the plan that you choose. You’ll also pay level premiums for this policy. 

Any fees if I miss my payments?

If you do pay your premiums within the one month grace period your policy will be terminated. For policies that have accumulated cash value, Prudential will deduct your premium payments from your policy’s cash value. 

Your policy will only have cash value after you have paid your premiums for 3 years. Once your premium payments exceed the cash value, your policy will be terminated.

Am I eligible to buy this medical insurance?

PRUsenior med is a guaranteed renewable policy for anyone between ages of 45 and 70 years. Once you sign up you can get coverage till the age of 80. If you want to buy it for your parents, you're free to do so - they'll be the ones owning the policy!

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