Underwritten by Prudential Assurance Malaysia Berhad

Prudential PRUflexi med

Have the option to change your medical coverage amount every year, whatever is best for your current needs. You can enjoy up to 20 times your lifetime limit for complete protection!

    • Deductible Up To RM300
    • Investment-Linked Policy
    • Hospital Accommodation Up To 120 Days
    • 15-Day Cancellation Refund
View product disclosure sheet.


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.
  • Lifetime Limit
    Know your lifetime limit, your medical card expires if you reached this amount.
  • Pre-Hospitalisation Diagnostic Tests
    This covers the costs incurred for diagnostic X-ray, laboratory examination and scans.
    Not Covered
  • Room & Board
    For the days that you spend in a hospital room instead of your own bed.
    from RM100 per day
    • Medication and Treatment
      Charges for the medicine and therapy that go towards helping you feel 100% again.
      As Charged
    • 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
    • Surgical Fees
      How much your medical card covers for surgical procedures, minor and major.
      As Charged
    • Post-Hospitalisation Treatment
      This covers your follow up treatment after your discharge from hospital or day care surgery.
      As Charged
    • 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
    • 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.
      As Charged
    • Cash Allowance at Government Hospital
      Daily lump sum cash benefits for patients who spend the night at a government hospital.
      from RM100 per day
    • Home Nursing Care
      How much you're allowed to claim for care from a government-licensed nurse at your home.
      As Charged per lifetime
View more coverage details +


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

    Medical Assistance Hotline & Services
    Emergency Medical Assistance


    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

    Frequently Asked Questions about Prudential PRUflexi med

    Things you might want to know

    What's great about the Prudential PRUflexi med? 

    PRUflexi med gives you greater flexibility by letting you choose what you want kind of healthcare benefits you need and for how much with a choice of four different plans, which progressively higher lifetime coverage - and premium payment to boot!

     This is an investment-linked medical insurance package that comes with a Prudential medical card that you can 'swipe' at the hospital. Use it at a Prudential panel hospital to be reimbursed for those exorbitant medical expenses incurred in the event of hospitalisation.

    How do I get started with PRUflexi med?

    It is as easy as 1, 2, 3, and 4! First of all, decide on your Hospital Daily Room & Board Allowance amount - that's the amount you want to be covered for your hospital room expenses, including your daily meals. 

    Secondly, Decide on your Annual Limit amount. Then, decide on your deductible amount. Choose the mount of deductible that suits your medical needs. Lastly, decide on your benefit term, that is to what age do you wish to be insured. 

    You mentioned deductible. What is it?

    Deductible is also known as an out-of pocket expense. It is an amount you need to pay first before PRUflexi med can pay for the rest of your medical expenses. A plan with a high deductible will have a low monthly premium, and vice versa. 

    For Hospital and Surgical benefits, and Outpatient Treatment benefits, you are subject to deductible of zero to RM300 for any one disability during a 90-day period. The remaining balance is taken care of by PRUflexi med up to your annual limit. 

    Who is eligible to take up this plan?

    Anyone between the ages of 1 to 70 years. 

    How long do I have to pay for my premium?

    Premiums are paid throughout the duraiton of your medical plan which depends on the expiry age that you choose for your PRUflexi med. You are given the flexibility to choose to be insured until you are 70, 80, 90, or 100 years old!

    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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