What is the HealthEnrich Select?
It is a medical insurance policy that will ensure the comfort of your family in difficult times so that you won’t have to make sacrifices, you’re not ready to make. The HealthEnrich Select will help cover your medical expenses along with a couple things that may be unforeseen until it happens.
With an additional annual limit of RM150,000 in the case you are hit with a cancer bomb, heart attack or kidney failure.
What does it cover exactly?
Being a medical plan, it takes up the costs of hospital room and board at all Prudential BSN panel hospitals, along with ICU charges, surgical procedures and other In-Hospital related charges. You will also be covered in the case you require out-patient care, or home nursing.
Especially if you are facing a life changing situation such as cancer, or require kidney dialysis treatment. Following suit is the additional benefit mentioned above, for both cancer, failed kidneys and heart attacks.
Apart from this already extensive coverage system, you will have medical coverage of up to RM6000 per year for maternity complications. Not to mention the fact that Prudential BSN is an international company and allows for you to have emergency medical assistance worldwide.
Who can apply for this policy?
Pretty much anyone, as long as you are above the legal age, you are free to pick up this plan at your leisure. Parents who want this plan for your kids, they are eligible for the coverage as soon as they hit 20 gestational weeks. So, they can be looked after even before they are born.
The maximum entry age for this plan is 70 years old, after which you can renew the plan till your 80th birthday.
Can I cancel the plan at any point?
Like most memberships, it is entirely up to you, whether you want the membership or not. With the HealthEnrich Select you have a 15-day cooling period after the application of the plan, where you can decide that you don’t need the insurance cover. Should you choose to cancel the plan within this period, any premiums paid will be refunded to you in full.
However, if you decided later on that you don’t want the plan any longer, then you will need to submit a statement cancelling the policy. After that, there may be a chance that you don’t get your premiums back, at least not in full, but it will work on a case to case basis.