Underwritten by Prudential Assurance Malaysia Berhad

Prudential PRUvalue med Medical Card

A medical card rider with up to RM2 million claim amount for hospitalization, outpatient treatment, maternity complications, home nursing care, and many more.

    • Deductible Up To RM100000
    • Investment-Linked Policy
    • Hospital Accommodation Up To 150 Days
    • 15-Day Cancellation Refund

Life's Too Short to Pay the Wrong Insurance. Get Free Consultation Now!

Life's Too Short to Pay the Wrong Insurance. Get Free Consultation Now!

Apply online now for Prudential PRUvalue med Medical Card

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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.
    Not Applicable
  • Lifetime Limit
    Know your lifetime limit, your medical card expires if you reached this amount.
    Not Applicable
  • Pre-Hospitalisation Diagnostic Tests
    This covers the costs incurred for diagnostic X-ray, laboratory examination and scans.
    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 RM100 up to RM600per day up to 150 days
    • Medication and Treatment
      Charges for the medicine and therapy that go towards helping you feel 100% again.
      As Charged within 60 days before hospitalisation
    • Intensive Care Unit (ICU)
      Worsening conditions may require critical care in the specialised hospital ward.
      As Charged up to 90 days per year
    • 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
    • In-Hospital Physician Visits
      This is the limit for the visits from the hospital doctors that are covered by your medical plan.
      As Charged max 2 visits per day
    • Hospital Specialist Fees
      Consultation cost for a hospital specialist that's provided by your health insurance policy.
      As Charged up 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 up to 1.5 times of the chosen Med Value Point per lifetime
    • Outpatient Cancer Treatment
      Charges covered for consultation, examination tests and prescribed drugs if you are diagnosed with cancer.
      As Charged up to 1.5 times of the chosen Med Value Point per lifetime
    • 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.
    • Pregnancy Complication
      Extra cover for medical cost resulting from complications during pregnancy.
      up to RM5000 per year
    • Medical Assistance Services
      For costs incurred from on-site care and assistance by medical personnel.
      As Charged
    • Home Nursing Care
      How much you're allowed to claim for care from a government-licensed nurse at your home.
      As Charged up to 180 days per lifetime
    • Intraocular Lens
      Coverage limit for eye corrective surgery to treat cataracts or myopia.
      up to RM6000 per lifetime
View more coverage details +


How much your premiums may cost

  • Budget Planner

    Choo Beng is 29 years old and is looking for a plan that could fit into his tight budget.

    Suggested PremiumRM1512.00
    Get Quote
  • Retiree

    58 years old Uncle Tom has just retired and thinks he better get a medical card while he still can.

    Suggested PremiumRM5979.00
    Get Quote
  • VIP

    If it's not the best, 51 years old movie star Robert will never lay his hands on it.

    Suggested PremiumRM14624.00
    Get Quote

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

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.

Fill up a claim form that you can get 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.

Prudential Customer Care Hotline


Am I eligible to apply for this insurance?

Minimum Entry Age
As early as 18 weeks into your pregnancy
Maximum Entry Age
At most 70 years of age
Coverage Expiry Age
At most 100 years of age

You can attach your policy with the following insurance policies

PRUwith you
PRUMedic Oversease

Frequently Asked Questions about Prudential PRUvalue med Medical Card

Things you might want to know

What is special about this Prudential medical insurance package?

Prudential PRUvalue Med is a healthcare insurance plan that'll make sure you and your family's finances are kept untouched with a lifetime protection for all your medical needs.

This medical card rider comes in 2 options: Med Saver 300 and Deductible, and offers a Med Value Point (in other words: lifetime limit) of up to RM2 million, with no annual limit.

This Med Value Point will be increased by 2% at the end of every 2 policy years, provided that you have not made any claims before and chose a R&B plan of RM300 and above.

That's not all, this Prudential medical card also guarantees a renewable of your plan every year without charging extra premiums and fees.

What can I get from Med Saver 300?

If you're looking for a comprehensive medical plan with savings portion, this option is the way to go. With Med Saver 300, you are actually savings on your total premiums, which will be used to fund for other goals: 

  1. more savings = receive higher cash value at maturity
  2. more protection = increase life and critical illness coverage to RM150,000
  3. more benefits = increase medical coverage (Med Value Point and Room & Board)

Similar to co-insurance, you must first pay for your hospital admission, but at a fixed amount of RM300 before Prudential cover for any expenses. 

What about Deductible plan?

A deductible medical card is suitable for those with an existing medical plan but with limited coverage. With this option, you must first pay for your hospital admission ranging from RM20,000 to RM100,000 before Prudential can cover for any expenses.

If you already have a group medical plan with a limit between those range, then you can opt for Deductible option to save on your premiums. If you're looking for the first medical card without a backup medical plan, this will not be a suitable choice.

Otherwise, you will have to fork out your own savings to cover for the first RM20,000, RM50,000, RM75,000 or RM100,000 of your hospital bill.

How can I claim from Prudential?

Prudential PruValue Med Medical Card has no annual limit, however, you'll be given the option to chose from up to 3 lifetime limits also known as Med Value Points, of RM1 million, RM1.5 million, or a maximum of RM2 million.

What happens if you have a claim amount of more than your selected Med Value Points? Fret not, as Prudential will also cover 80% of the exceeded amount. Still unclear? See below illustration:

Julia bought a PruValue Med with MVP of RM1.5 million, which expires at 80 years old. She has made a total claim of RM2 million, which exceed her MVP by RM500,000. In this scenario, Prudential is covering 80% of RM500,000 (RM400,000), whereas Julia is paying only 20% of it (RM100,000). 

Tell me more about my outpatient benefits?

For trips to the operating theater or emergency room that does not require a long hospital stay such as outpatient cancer or kidney dialysis treatment, you can claim for up to 1.5 times of the chosen Med Value Point per lifetime!

Yup, that means your take home medicine, consultation, and examination test fees will all be paid for by Prudential.

How much do I need to pay for the PRUvalue Med?

The total premium that you have to pay will depend on your underwriting requirements such as your age, job, and health status.

Your premiums can be paid yearly, half-yearly, quarterly or monthly via Auto Debit, Credit card, Cash or Cheque.

When can I start using my Prudential medical card?

There will be a minimum waiting period of 30 days from your policy's commencement date before your medical insurance policy goes into full effect for basic illnesses and 120 days for specified illnesses.

The maternity complication on the other hand has a waiting period of 365 days - that's a full year wait!

Can I renew my Prudential PRUvalue Med policy?

You won't have to worry about renewing your policy each year as the PRUvalue med is a auto renewable medical plan, which means protection is guaranteed as long as you pay your insurance premiums on time!

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