Prudential PRUValue Med Medical Card

Protect yourself against medical costs with Prudential PRUValue Med Medical Card, which promises you a lifetime of assurance for all your medical needs.

Prudential PRUValue Med Medical Card
Annual Limit
Not applicable
Lifetime Limit
Not applicable
Room & Board
up to RM600
Coverage Age
18 gestational weeks - 100 years
No. of Panel Hospitals
Investment-Linked Plan


How much you can claim for hospital bills

Annual Limit
Not applicable
Lifetime Limit
Not applicable
Pre-Hospitalisation Diagnostic Tests
As charged within 60 days before hospitalisation, including consultation
Room & Board
from RM100 up to RM600per day up to 150 days per year
Surgical Fees
As charged 
Pre-Hospitalisation Consultation
As charged 
Medication and Treatment
As charged 
Intensive Care Unit (ICU)
As charged up to 90 days per year
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 up to 2 visits per day
Post-Hospitalisation Treatment
As charged within 90 days after discharge
Outpatient Kidney Dialysis Treatment
As charged up to 1.5 times of the chosen Med Value Point per lifetime
Outpatient Cancer Treatment
As charged up to 1.5 times of the chosen Med Value Point per lifetime
Day Surgery
As charged 
Emergency Accidental Outpatient Treatment
from RM1k up to RM6k
Pregnancy Complication
up to RM5kper year
Medical Assistance Services
As charged 
Ambulance Fees
As charged 
Insured Child Guardian Benefit
As charged 
Home Nursing Care
As charged up to 180 days per lifetime
Intraocular Lens
up to RM6kper lifetime


Additional benefits with this insurance

Investment Linked Plan
Up to RM100,000
15 days cancellation refund
Hospital Accommodation
Up to 150 days

How to Claim

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

Prudential Customer Care Hotline

Making a claim can be a fuss if you have no clue about the process. Well, learn it now before it's an emergency.

Panel Hospital

From admission to discharge, everything is made easier with Prudential medical card. Present your medical card at the point of admission and sign a Declaration & Authorisation form.

A minimal deposit may be required by the hospital to offset any non-medical article charges. Worry not, any remaining balance will be returned to you when you're discharged.

Leave the rest of the processes to Prudential and focus on your recovery.

At the end of your hospitalisation, you only have to settle any amount not covered by your policy and sign on the final bill.

Non-Panel Hospital

Even without the medical card, submitting a claim to Prudential is not much of a headache.

To make a claim, you will need to submit claim through the following ways

  • Your appointed agent
  • Contact their customer service at 03 2116 0228
  • write to Prudential at [email protected]

Prepare the required documents such as original medical bill, original payment receipt and medical report.

Submit all the documents together with the completed claim form to your nearest Prudential branch.

Rest assured your claim will be accessed swiftly and professionally.


Minimum Entry Age
At least 18 gestational weeks 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 PRUValue Med medical card?

Prudential PRUValue Med medical card is a medical insurance rider that can be attached to a basic life insurance plan. 

It is an optional benefit which reimburses reasonable and customary medical and surgical expenses incurred in the event of hospitalisation.

This medical insurance also provides the flexibility of choosing the preferred level of coverage such as flexible room and board, coinsurance trigger level, and deductible option.

What are the unique features of this Prudential medical card?

This Prudential medical card offers you:

  • Enjoy further premium savings when you opt for Med Saver 300
    You can also utilize the savings to enhance your protection, retirement funds or simply upgrade your coverage on PRUValue Med!
  • With Deductible Options (i.e.: 20,000, 50,000, 75,000 or 100,000)
    You can tailor-make the medical plan to provide an extension to your existing medical coverage as a safety net for unexpected healthcare costs.
  • Enjoy total peace of mind and be assured of adequate protection that will last you a lifetime with Med Value Point
    If the total claims exceed the chosen Med Value Point, we will still pay 80% of the total cost of the eligible benefits.
  • With the 100% non-cancellable* clause, your medical rider is guaranteed renewable
  • Get rewarded with Med Value Point Bonus for staying healthy by increasing the Med Value Point
  • With More Benefits on top of what you would expect from a medical plan
    Such as 11 Maternity Complications Benefits, Day Care Procedure Benefits and Outpatient Convenience for Cancer and Kidney Treatment Benefits.
  • Provide you Expert Medical Opinion from leading medical experts, to help you and your physician make the best treatment decisions.

 *PRUValue Med is non-cancellable unless there is fraud or any circumstance that makes the policy or rider voidable or null and void. This depends on all premiums being paid duly and the policy or rider being in force.

How do we select benefits for this medical insurance?

You can choose from the various options available for this medical insurance.

Step 1: Decide on the Med Value Point

Set a Med Value Point where PAMB will pay the totally reasonable and customary charges of the eligible benefit until the total lifetime claims paid outreaches the chosen Med Value Point – RM1 million, RM1.5 million or RM2 million. We will continue to pay 80% of the total eligible benefit in excess of the Med Value Point plus any accumulated Med Value Point Bonus.

Step 2: Decide on Med Saver or Deductible option

If you are looking for comprehensive medical coverage, then choose Med Saver 300 to be entitled to premium savings that may be used to enhance your protection, retirement funds or simply upgrade your coverage.

If you already have an existing but limited medical coverage, then choose Deductible (i.e.: 20,000, 50,000, 75,000 or 100,000) to extend your existing medical coverage and help you safeguard against rising healthcare costs.

You can either choose Med Saver or Deductible, but not both options.

Step 3: Decide on the daily Room & Board amount

Choose the amount of Hospital Daily Room & Board coverage of RM100, RM200, RM300, RM400, RM500 or RM600 to cover for the accommodation charges in a hospital.

What are the differences between Med Saver and Deductible?

Med SaverDeductible
A fixed amount that customer must first pay out of the total eligible medical expenses incurred for Any One DisabilityA fixed amount that customer must first pay out of the total eligible medical expenses incurred in an Annexure Year
Med Saver amount applies on Any One DisabilityDeductible amount applies to each Annexure Year
Does NOT apply to Hospital Daily Room & Board Benefit and Intraocular Lens BenefitApplies to all benefits - Hospital Daily Room & Board, Hospital & Surgical, Outpatient Treatment and Other Benefits

Med Saver and Deductible cannot co-exist.

What is the waiting period for the Prudential PRUValue Med medical card?

  • 30 days – for any symptoms or illnesses
  • 120 days – for any of the Specified Illnesses
  • 365 days – for maternity complications

Prudential PRUValue Med medical card has no waiting period – for accident-related conditions.


*This product comes with an option to extend the term of rider up to the Policy Anniversary of Life Assured’s ANB 100 or the rider’s maximum coverage term, whichever is earlier. Unless you withdraw the consent, your policy will be auto extended as long as it has sufficient value of units to be deducted to pay for the relevant charges, fees and taxes during the extended term. To ensure sufficient value of units, additional premium is likely required during the extended term.


This product summary is for illustrative purposes only. You are advised to refer to Prudential Assurance Malaysia Berhad (PAMB)’s Brochure, Product Disclosure Sheet, Product Illustration, and Fund Fact Sheet (if any) before purchasing the plan, and to refer to the terms and conditions in the policy document for details of the important features of the plan.

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