Prudential

Underwritten by Prudential Assurance Malaysia Berhad

Prudential PRUMillion Med

Comprehensive medical coverage for hospitalisation and outpatient treatment that comes with high annual limit and no lifetime limit.

    • Hospital Accommodation Up To 120 Days
    • 15-Day Cancellation Refund

Apply online now for Prudential PRUMillion Med

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Coverage

How much you can claim for hospital bills

  • Annual Limit
    The claims on your medical card cannot exceed this amount in a single policy year.
    from RM1380000 up to RM1980000
  • Lifetime Limit
    Know your lifetime limit, your medical card expires if you reached this amount.
    Not Applicable
  • Pre-Hospitalisation Diagnostic Tests
    This covers the cost for ECG, X-rays and other laboratory tests to diagnose your symptoms.
    As Charged within 60 days before hospitalisation
  • Room & Board
    For the days that you spend in a hospital room instead of your own bed.
    from RM200 up to RM500per day up to 120 days
    • Medication and Treatment
      Charges for the medicine and therapy that go towards helping you feel 100% again.
      from RM2000 up to RM5000outpatient dengue fever treatment, per diagnosis
    • Intensive Care Unit (ICU)
      Worsening conditions may require critical care in the specialised hospital ward.
      As Charged
    • Hospital Services and Supplies
      Charges for the sterilised bandages, intravenous drips, blood packs and other services while hospitalised.
      As Charged
    • Day Care Surgery
      For treatments and minor surgeries which don't require you to stay overnight at the hospital.
      As Charged
    • Surgical Fees
      How much your medical card covers for surgical procedures, minor and major.
      As Charged
    • Anaesthetist Fees
      Some surgeries require the use of anaesthetic drugs to put you to sleep before the procedure.
      As Charged
    • Operating Theatre Fees
      All the costs involved for use and set up of the operating room for your surgery.
      As Charged
    • Hospital Specialist Fees
      Consultation cost for a hospital specialist that's provided by your health insurance policy.
      As Charged limit to 2 visits per day
    • Post-Hospitalisation Treatment
      This covers your follow up treatment after your discharge from hospital or day care surgery.
      As Charged within 90 days after discharge
    • Outpatient Kidney Dialysis Treatment
      Charges covered for consultation, examination tests and prescribed drugs if you are diagnosed with kidney failure.
      As Charged
    • Outpatient Cancer Treatment
      Charges covered for consultation, examination tests and prescribed drugs if you are diagnosed with cancer.
      As Charged
    • Physiotherapy
      In case you need physiotherapy following injury or sickness, written recommendation from your doctor is required.
      from RM6000 up to RM14000per year, within 90 days after hospital discharge
    • Organ Transplant
      Cost insured if you get an organ tranplant and surgery charges.
      As Charged
    • Day Surgery
      For surgical procedures that do not require you to spend the night in a hospital bed.
      As Charged
    • Emergency Accidental Outpatient Treatment
      Cover for emergency outpatient treatment and follow up due to an accident.
      from RM4000 up to RM10000per accident
    • Home Nursing Care
      How much you're allowed to claim for care from a government-licensed nurse at your home.
      from RM4000 up to RM10000per confinement, up to 180 days a lifetime
    • Intraocular Lens
      Coverage limit for eye corrective surgery to treat cataracts or myopia.
      from RM6000 per lifetime
View more coverage details +

Premiums

How much your premiums may cost

    Actual premium rates will be determined by Prudential Assurance Malaysia Berhad and may vary from what is suggested based on age, sex, occupation, lifestyle habits and other factors.

    How to Claim

    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.

    Prudential Customer Care Hotline
     60321160228

    Panel Hospitals

    Find a hospital or clinic near you!

    Requirements

    Am I eligible to apply for this insurance?

    Minimum Entry Age
    At least 1 year of age
    Maximum Entry Age
    At most 70 years of age
    Coverage Expiry Age
    At most 80 years of age

    You can attach your policy with the following insurance policies

    PRUwith you
    PRUMy Medical Plus

    Frequently Asked Questions about Prudential PRUMillion Med

    Things you might want to know

    What is Prudential PRUMillion Med all about?

    PRUMillion Med is a comprehensive medical insurance rider that reimburses you in the event of hospitalisation and outpatient treatment that comes with 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 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 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 medical plan?

    Anyone between the ages of 1 to 70 years are welcomed to apply for the Prudential PRUMllion Med. However because this is a rider plan, you will have to take up a basic plan ie. PRUWith You.

    When will my 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 policy first before committing to it?

    Yes, you sure can! After the delivery of your 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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