Prudential

Underwritten by Prudential Assurance Malaysia Berhad

Prudential PRUvalue med

Focus on recovery, let Prudential do the rest. Claim up to RM2 million for outpatient medical treatment, pregnancy complications, home nursing care, and more.

    • Deductible Up To RM300
    • Hospital Accommodation Up To 150 Days
    • 15-Day Cancellation Refund

Apply online now for Prudential PRUvalue 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.
    Not Applicable
  • Lifetime Limit
    Know your lifetime limit, your medical card expires if you reached this amount.
    from RM1000000 up to RM2000000
  • Diagnostic Tests
    This covers the costs for X-rays, blood tests, and MRI scans when your symptoms are being diagnosed.
    Not Covered
  • Room & Board
    For the nights 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 Procedures
      For treatments and minor surgeries which don't require you to stay overnight at the hospital.
      As Charged
    • Surgeon Fees
      How much your medical card covers for surgical procedures, minor and major.
      As Charged
    • Anesthetist 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 up to 2 visits per day
    • Post Hospitalisation Treatment
      To help you recuperate after you've been discharged from the hospital.
      As Charged within 90 days after discharge
    • Outpatient Kidney Dialysis Treatment
      How much your insurer will cover for dialysis if you suffer kidney failure.
      As Charged up to 1.5 times of the chosen Med Value Point per lifetime
    • Outpatient Cancer Treatment
      Inclusive of costs for chemotherapy and other treatments 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
    • 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 home nursing care due to sickness or injury.
      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 +

Premiums

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
    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
    Get Quote
  • VIP

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

    Suggested PremiumRM14624
    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.

Suggested Premium is inclusive of 6% GST

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 customer.mys@prudential.com.my

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
 +60321160228

Panel Hospitals

Find a hospital or clinic near you!

Requirements

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

Frequently Asked Questions about Prudential PRUvalue med

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 - you can claim for excessive hospital bills for outpatient cancer or kidney dialysis treatment, home nursing care, operating theatre and surgical fees, and more.

That's not all, this medical card offers claims for emergency treatment due to accidents plus high maternity complication benefits for expecting mothers - something very few medical insurance plans offer with their basic plans.

How much can I claim throughout my policy period?

The great thing about this medical card is that it does not restrict your annual claims! In other words, there's no annual limit - however you'll be given the option to chose from up to 3 lifetime limits also known as Med Value Points options of RM1 million, RM1.5 million, or a maximum of RM2 million.

What happens if you claim more than your selected Med Value Points? This policy still has your back! Say you have chosen the RM2 Million Med Value Points option, RM2 million worth of medical expenses will be paid directly by Prudential. For the rest of the claim amount you've incurred, Prudential will pay 80% of the total claims and you'll only need to fork out for the remaining 20%.

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, consulation, 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.

Do I need to pay before making claims?

Before submitting a claim, you can take up the Med Saver deductible option for lower premium payments.

With the Med Saver option you're required to pay a fixed amount of RM300 for your total medical bill for any one disability, excluding benefits for daily room and board as well as intraocular lens procedures.

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 specificed illnesses.

The maternity complication on the other han 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 non-cancellable medical plan, which means protection is guaranteed as long as you pay your insurance premiums on time!

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