Prudential PRUHealth Medical Card

Claim your overseas medical treatment with Prudential PRUHealth Medical Card. Be rewarded with automatic coverage upgrades and no-claim bonuses.

Prudential PRUHealth Medical Card
Annual Limit
up to RM250k
Lifetime Limit
up to RM2.6m
Room & Board
up to RM600
Coverage Age
1 years - 100 years
No. of Panel Hospitals
Investment-Linked Plan


How much you can claim for hospital bills

Annual Limit
from RM50k up to RM250k
Lifetime Limit
from RM520k up to RM2.6m
Pre-Hospitalisation Diagnostic Tests
As charged within 30 days before hospitalisation
Room & Board
from RM100 up to RM600per year, up to 120 days
Surgical Fees
As charged subject to co-insurance or deductible
Medication and Treatment
As charged 
Intensive Care Unit (ICU)
As charged per year, up to 30 days
Hospital Services and Supplies
As charged subject to co-insurance or deductible
Post-Hospitalisation Treatment
As charged within 90 days after discharge, subject to co-insurance or deductible
Outpatient Kidney Dialysis Treatment
As charged subject to co-insurance or deductible
Outpatient Cancer Treatment
As charged subject to co-insurance or deductible
Day Surgery
As charged subject to co-insurance or deductible
Emergency Accidental Outpatient Treatment
from RM1k up to RM6kper Annual Limit
Home Nursing Care
As charged up to 180 days per lifetime, subject to co-insurance or deductible


Additional benefits with this insurance

Up to RM10,000
Up to 10%
15 days cancellation refund
Hospital Accommodation
Up to 120 days

How to Claim

Who do I contact if I have a question or emergency?

Prudential Customer Care Hotline

Hate going through complicated procedure whenever you're requesting for a reimbursement? Not anymore with Prudential's hassle-free claim process!

Panel Hospital

Prudential's medical card is the key to your speedy admission. Show it to the hospital attendant upon hospitalisation and you'll only be required to sign a Declaration & Authorisation form.

Forget to bring your medical card? No problem, giving them your IC number is equally sufficient.

Next, put a deposit upfront to provide for non-medical related items fees only if the hospital requests for it. That's all to get you admitted, pretty simple huh!

Upon discharge, check your bill and sign on it after you've paid the charges that are out of your policy's coverage.

Non-Panel Hospital

In this case, you need to pay the medical bills first and claim for reimbursement. Fret not, it can be done in just a few simple extra steps.

You have three options to get a claim form from Prudential:

  1. Through your servicing agent
  2. Contact their customer service at 02 21160228
  3. or send an email to [email protected]

Get ready the necessary documents such as original bills, original receipt and medical report and attach it with your completed claim form.

Deliver them to your nearest Prudential branch or pass it to your agent.

That's it! Your whole claim process is done and Prudential will notify you of the result.


Minimum Entry Age
At least 1 years of age
Maximum Entry Age
At most 70 years of age
Coverage Expiry Age
At most 100 years of age

More Information

What is Prudential PRUHealth medical card about?

PRUHeath is a medical insurance rider that literally rewards you for being healthy and pays your bills when you're not, including when you've fallen ill while overseas. 

Prudential PRUHealth medical card is a health plan that'll give you an annual bonus of RM500 when you don't make any claims for the year - which is definitely a boon to your income savings! 

You'll also be given the freedom and flexibility to waive your annual coverage limit by complimenting your Prudential PRUHeath with the PRUannual limit waiver rider - only available for PRUhealth 200, 300, and 400 plans.

Tell me more about the no-claims bonus?

Your yearly bonuses will be automatically credited into the investment funds of your choice. Your no-claims bonus increases your investment value throughout your policy period.

Not too sure about these kinds of investments? Not to worry, in the event of a medical need, you can always withdraw - it's as good as cash!

Will my coverage increase throughout my policy term?

Absolutely! Your PRUHealth coverage limit will be leveled-up once you've hit the 5th and 10th year of your rider no matter your health condition and any previous medical claims you've made before.

What other benefits can I get with this Prudential medical card?

In addition to comprehensive coverage for expensive hospital and surgical bills under your Prudential medical card, you now have the convenience of seeking overseas medical treatment for 5 types of covered conditions in Singapore, Hong Kong, and China with PRUmedicoverseas.

Do I need to pay co-insurance or deductible?

You can upgrade your overall medical coverage when you attach the PRUhealth rider with either RM3,000 or RM10,000 deductible.

If you attach your policy with the PRUMedic retirement benefit, your deductible amount will be switched to a co-insurance arrangement when you reach the age of 55.

How will this help with your retirement plans? Not only will it make your premium payments more affordable, but it also gives you added health coverage when you need it the most - your golden years.

Who can apply for this medical insurance?

Anyone between the ages of 1 to 70 years is welcomed to apply for the this medical insurance.

However, before you take up PRUHealth, you must be a member of PRULink or PRUMy child policy. 

When will my Prudential medical card expire?

You have two choices - you can either have complete protection until you reach 80 or if you'd like, extend the Prudential medical card coverage until you reach the ripe old age of 100!

Can I review my Prudential PRUHealth medical card policy first?

Yes, you sure can! After the delivery of your Prudential PRUHealth medical card policy, you have 15 days to review your policy to check whether they suit your needs.

Should you change your mind during this 15-day period, all charges and fees that you have paid will be refunded.

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