Prudential PRUsenior med Medical Card

A healthcare plan for seniors with low co-insurance payments, cancer and diabetes treatment claims, and affordable flat premiums throughout your policy period.

Prudential PRUsenior med Medical CardCover The Best Years
Annual Limit
Not applicable
Lifetime Limit
up to RM225k
Room & Board
from RM200
Coverage Age
45 years - 70 years
No. of Panel Hospitals
89
Investment-Linked Plan
No

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Coverage

How much you can claim for hospital bills

Annual Limit
Not applicable
Lifetime Limit
from RM225k up to RM225k
Pre-Hospitalisation Diagnostic Tests
As charged 
Room & Board
from RM200 up to 120 days per year
Surgical Fees
As charged 
Consultation & Diagnostic Procedures
As charged 
Intensive Care Unit (ICU)
As charged up to 30 days per year
Hospital Services and Supplies
As charged 
Anaesthetist Fees
As charged 
Post-Hospitalisation Treatment
As charged within 90 days from discharge
Outpatient Kidney Dialysis Treatment
As charged 
Outpatient Cancer Treatment
As charged 
Day Surgery
As charged 
Home Nursing Care
As charged up to 180 days per lifetime

Features

Additional benefits with this insurance

Co-insurance
Up to 10%
Refund
15 days cancellation refund
Hospital Accommodation
Up to 120 days

How to Claim

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

Medical Assistance Hotline & Services
Prudential Customer Care Hotline

Understanding the process to report a claim is as important as knowing your policy coverage. Get yourself familiarised with the process to avoid doing unnecessary work!

Panel Hospital

With the help of Prudential medical card, you can enjoy effortless admission at any panel hospital. All you got to do is present it upon hospitalisation and sign a Declaration & Authorisation form.

If your medical card is not with you, give your IC number to the hospital attendant and they'll have your policy verified in no time!

Depending on the hospital, you may or may not be required to pay a deposit to cover for non-medical items throughout the course of your admission.

Once you're back on your feet and ready to go, sign on the final bill and pay off any excess and fees that are not covered by your policy. 

Don't forget about your deposit! Any balance will refunded to you at the point of discharge.

Non-Panel Hospital

Your medical card is not applicable in this situation but not worry, just pay first and claim later. 

Request for a claim form from your servicing agent or call Prudential Customer Service at 03 2116 0228. You can also send an email to [email protected]

Complete it and send it over to your nearest Prudential branch along with the original bill, original receipt and medical report.

Sit back and take a rest, Prudential will keep you updated on the progress of your claim.

Requirements

Minimum Entry Age
At least 45 years of age
Maximum Entry Age
At most 70 years of age
Maximum Renewal Age
At most 80 years of age

More Information

What is PRUsenior med all about?

PRUsenior med is a medical insurance policy for seniors which also provides extra death benefits of RM5000.

Unlike most medical cards which are riders attached to another insurance policy, the PRUsenior med is a standalone medical insurance policy.

What kind of protection do I get?

PRUsenior coverage includes pre-hospitalisation and post-hospitalisation, home nursing care, outpatient cancer and kidney dialysis treatment, and hospital room and board of RM200 for a maximum of 120 days a year.

You’ll only have to pay 10% of your total eligible expenses or the minimum co-insurance amount of your plan, depending on which is higher. 

PRUsenior med offers two plans with a minimum co-insurance amount of RM3,000 and RM6,000 which is applicable for Intensive Care Unit, Surgical Fees, Anaesthetist Fees, In-hospital & Related services benefits.

Your lifetime limit under this plan is RM225,000.

How long can I stay in a Prudential panel hospital?

The PRUsenior med will pay RM200 every day for your hospital stay and all other charges for up to 120 days.

If you've been admitted to the Intensive Care Unit (ICU), you'll be covered for up to 30 days, subject to your lifetime limit and 10% co-insurance payment.

Can I make claims if I'm hospitalised overseas?

For any medical treatment overseas, your benefits will be paid based on rates for similar treatment at a Malaysian hospital. 

However, you will only be eligible if your trip does not extend beyond 90 days. 

How much are my premiums?

Prudential will determine your premium rates based on factors such as your age, sex and medical history. 

These rates will also change significantly based on the plan that you choose. You’ll also pay level premiums for this policy. 

Any fees if I miss my payments?

If you do pay your premiums within the one month grace period your policy will be terminated. 

For policies that have accumulated cash value, Prudential will deduct your premium payments from your policy’s cash value. 

Your policy will only have cash value after you have paid your premiums for 3 years. Once your premium payments exceed the cash value, your policy will be terminated.

Am I eligible to buy this medical insurance?

PRUsenior med is a guaranteed renewable policy for anyone between the ages of 45 and 70 years. Once you sign up you can get coverage till the age of 80. 

If you want to buy it for your parents, you're free to do so - they'll be the ones owning the policy!