Prudential PRUMillion Med 2.0

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.

What is Prudential PRUMillion Med 2.0 all about?

Prudential PRUMillion Med 2.0 is an optional medical insurance rider attached to an investment-linked basic plan (such as PRULink Cover or PRUWith You Plus). It reimburses eligible hospitalisation, surgical, pre-hospitalisation, and post-hospitalisation expenses with high annual limits and no lifetime limit.

What benefits are included in PRUMillion Med 2.0?

• Hospital Room & Board (R&B): Up to 150 days per year (upgraded to unlimited days per year with PRUMillion Med Booster 3.0).
• Post-Hospitalisation Care: Standard post-hospitalisation treatment is covered within 180 days after discharge (extended up to 365 days for serious conditions with Booster 3.0).
• Cost Savings Option: Flexible deductible options ranging from RM500 to RM10,000 per annexure year are available to help lower your premium charges.
• No Claims Benefit: Pairing with PRUMillion Med Booster 3.0 provides an annual No Claims Benefit of up to RM500 for preventive healthcare (such as health screenings, vaccinations, and diagnostic tests).

How much is the high Overall Annual Limit?

Base annual coverage starts at up to RM2 million per year, refreshed every policy year with no lifetime maximum cap.

(Note: Legacy tier structures such as Plan 200–500 capping at RM1.38m–RM1.98m belong to earlier generations of the rider and have been updated under the PRUMillion Med 2.0 structure).

Will my coverage increase over time?

Yes. When paired with the PRUMillion Med Booster 3.0 rider, your annual limit automatically increases by RM100,000 every single year, ensuring your protection keeps pace with rising medical costs without requiring additional underwriting.

Who can apply for this Prudential medical card?

• Pre-birth: From 13 weeks into pregnancy.
• Post-birth: From age 1 to 70 years old (Age Next Birthday).

Because PRUMillion Med 2.0 is an optional rider, it must be attached to an eligible basic investment-linked policy (e.g., PRULink Cover).

When will my health insurance policy expire?

You can choose a coverage term that fits your financial planning, with options protecting up to the policy anniversary of age 70, 80, 90, or 100 (Age Next Birthday).

Can I review my policy before buying?

Yes. You are entitled to a 15-day "Free-Look" period starting from the delivery date of your policy document. If you decide the plan does not meet your needs during these 15 days, you can cancel it for a full refund of all charges and fees paid (less any medical examination expenses incurred).