[Last updated 12 October 2026]
Prudential PRUHealth Review 2026, Limits And Premiums
To compare other plans, see our medical card page. For plans you can buy on their own, see standalone medical cards.
Is PRUHealth Right For You?
PRUHealth suits you if you have, or plan to buy, Prudential’s PRUWith You Plus policy and want a medical rider that pays a yearly bonus when you don’t claim. On R&B 100, you can claim up to RM50,000 a year and RM520,000 in your lifetime. If you want more cover, PRUMillion Med 2.0 has a RM2 million annual limit and no lifetime limit.
PRUHealth Limits, Charges And Waiting Periods
PRUHealth comes in five plans, from R&B 100 to R&B 400. Limits and charges below are for R&B 100 with Med Saver unless the row says otherwise.
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Feature
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PRUHealth
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Attaches to
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PRUWith You Plus (can't be bought on its own)
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Plans
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R&B 100, 150, 200, 300 and 400, named after the daily room and board rate
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Annual limit
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RM50,000, higher on other plans
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Lifetime limit
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RM520,000, higher on other plans
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Room and board
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RM100 to RM400 a day, up to 120 days a year
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Intensive care
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Up to 30 days a year
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Deductible or co-insurance
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RM3,000 Med Saver, or co-insurance
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Before and after a hospital stay
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Treatment up to 30 days before and 90 days after
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Home nursing care
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Up to 180 days in your lifetime
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Waiting period
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30 days, or 120 days for specified illnesses. None for accidents
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Free-look period
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15 calendar days
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Insurance charges are for the rider only, by age next birthday, for occupation classes 1 and 2 (profession involving non-manual, administrative or clerical work in offices or non-hazardous places). They’re taken from your policy’s investment account, so your total premium is higher. Checked on 12 October 2026 at prudential.com.my.
PRUHealth Pros And Cons
PRUHealth’s key benefit is the yearly bonus you get for not claiming. The entry plan only covers up to RM50,000 a year, which is low next to Prudential’s newer medical riders.
Pros
- You get a bonus each year you don’t make a claim.
- Accident-related hospital stays are covered from day one.
- Treatment after you leave the hospital is covered for up to 90 days, and home nursing for up to 180 days.
- There are five room and board levels, from RM100 to RM400 a day.
Cons
- The annual limit for R&B 100 is RM50,000, compared with RM2 million on PRUMillion Med 2.0, and there’s a lifetime limit.
- You can’t buy it on its own. You need a PRUWith You Plus policy first.
- You always pay part of the bill, either the first RM3,000 with Med Saver or a share with co-insurance.
- Premiums aren’t guaranteed, and Prudential expects to raise them as medical costs go up.
What PRUHealth Doesn’t Cover
Like most medical cards, PRUHealth won’t pay for some conditions at all, and won’t pay for others until you’ve been covered for a set time. The main ones are below. Your policy document has the full list.
- Conditions you had, or had symptoms of, before you bought the plan.
- Specified illnesses, such as high blood pressure and diabetes, in the first 120 days of cover.
- Any other illness in the first 30 days of cover. Hospital stays caused by an accident are covered from the start.
Two Prudential Plans With Higher Limits
If PRUHealth’s limits are too low for you, Prudential has two medical riders with a RM2 million annual limit and no lifetime limit.
PRUMillion Med 2.0 has RM200 a day room and board and up to RM10,000 deductible.
PRUMillion Med Active 2.0 also has RM200 a day room and board and up to RM10,000 deductible.
Frequently asked questions
These are the questions people most often ask about PRUHealth’s limits, premiums and claims.
What are the annual and lifetime limits?
It depends on your plan. On R&B 100 with Med Saver, you can claim up to RM50,000 a year and RM520,000 in your lifetime. Higher plans have higher limits.
What happens if my hospital bill goes over the annual limit?
You pay the rest yourself. Your annual limit starts again at the beginning of each policy year.
Will my premiums go up?
Very likely. Your insurance charge increases as you get older, and premiums aren’t guaranteed. The charges paid by all PRUHealth customers go into one pool for paying claims. If claims from that pool are high, Prudential can raise everyone’s charges, even if you haven’t claimed.
Can I cancel if I change my mind?
Yes, within 15 calendar days of receiving your policy. Prudential refunds your premiums and charges, minus any medical exam fees. The invested portion is returned at its value on the next valuation date.
How do I make a claim?
At a panel hospital, show your medical card when you’re admitted. At a non-panel hospital, pay the bill yourself, then claim it back through PRUServices, your agent or a Prudential branch. You’ll need the original bills and receipts and a medical report.
