Prudential PRUMillion Med Medical Card

With Prudential PRUMillion Med Medical Card, get covered with a comprehensive medical coverage that comes with a high annual limit and no lifetime limit.

Prudential PRUMillion Med Medical Card
Annual Limit
up to RM2m
Lifetime Limit
Not applicable
Room & Board
up to RM500
Coverage Age
1 years - 80 years
No. of Panel Hospitals
Investment-Linked Plan


How much you can claim for hospital bills

Annual Limit
from RM1.4m up to RM2m
Lifetime Limit
Not applicable
Pre-Hospitalisation Diagnostic Tests
As charged within 60 days before hospitalisation
Room & Board
from RM200 up to RM500per day up to 120 days
Surgical Fees
As charged 
Medication and Treatment
from RM2k up to RM5koutpatient dengue fever treatment, per diagnosis
Intensive Care Unit (ICU)
As charged 
Hospital Services and Supplies
As charged 
Day Care Surgery
As charged 
Anaesthetist Fees
As charged 
Operating Theatre Fees
As charged 
Hospital Specialist Fees
As charged limit to 2 visits per day
Post-Hospitalisation Treatment
As charged within 90 days after discharge
Outpatient Kidney Dialysis Treatment
As charged 
Outpatient Cancer Treatment
As charged 
from RM6k up to RM14kper year, within 90 days after hospital discharge
Organ Transplant
As charged 
Day Surgery
As charged 
Emergency Accidental Outpatient Treatment
from RM4k up to RM10kper accident
Home Nursing Care
from RM4k up to RM10kper confinement, up to 180 days a lifetime
Intraocular Lens
from RM6k per lifetime


Additional benefits with this insurance

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 80 years of age

More Information

What is Prudential PRUMillion Med Medical Card all about?

Prudential PRUMillion Med is a comprehensive medical insurance rider that reimburses you in the event of hospitalisation and outpatient treatment that comes with a High Annual Limit and No Lifetime Limit.

You can have the option to attach PRUMillion Med with PRUWith You as a basic plan or to go with PRUMy Medical Plus, which is a package that also tags itself to PRUWith You.

How much is the high Overall Annual Limit?

With just Plan 200, you are already entitled to an overall annual limit of RM1.38 million! 

The higher value your plan is, the higher your Prudential medical card overall annual limit will be:

Plan 200Plan 250Plan 300Plan 400
Plan 500
Overall Annual LimitRM1.38mRM1.68mRM1.78mRM1.88mRM1.98m

Will my coverage increase throughout my medical insurance policy term?

Absolutely! Your PRUMillion Med 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.

Who can apply for this Prudential medical card?

Anyone between the ages of 1 to 70 years is welcomed to apply for this Prudential medical card

However, because this is a rider plan, you will have to take up a basic plan ie. PRUWith You.

When will my health insurance policy expire?

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

Can I review my Prudential PRUMillion Med Medical Card policy first before buying?

Yes, you sure can! After the delivery of your Prudential PRUMillion Med 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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