Medical Plus Solution

Overview

Introduction

With Medical Plus Solution, you have the flexibility to choose different coverage and benefits to suit your medical needs. When choosing a medical plan, it is best to compare your available options carefully and determine which benefits are most important for you.

Benefits

Medical Plus Solution is a package offered using PRULink Cover (this is an insurance product) as the basic plan. Medical Plus Solution can provide you with long term coverage to meet your protection needs.

Payment Term Premium is payable throughout the coverage term
Coverage Term Until the selected policy term option up to Policy Anniversary of age 70, 80, 90 or 100 next birthday (ANB) or 20 years (where applicable)1
Age of Entry Pre-birth: After 13 weeks into pregnancy
Post-birth: 1-70 ANB
Minimum Sum Assured RM10,000 and subject to the minimum sum assured multiple
Maximum Sum Assured Subject to underwriting
Benefit
  1. Death Benefit
  2. Total and Permanent Disability (TPD) Benefit
  3. Maturity Benefit
  4. Goal Achievement Benefit
  5. Longevity Benefit
Please refer here for details on coverage
Premium Minimum insurance premium for:
  1. Children (prenatal to 18 ANB) is RM50 per month
  2. Adults (19 ANB to 70 ANB) is RM100 per month
Riders that can be bought with this policy
Hospital & Surgical
Critical Illness
Accident
Payor Benefit
Savings
Pregnancy and Child Care Benefits
  • Infant Care Plus

*PRUMedic Overseas can only be attached when PRUValue Med or PRUMillion Med is attached.

**These riders can only be attached when PRUSaver or PRUSaver Kid and respective payor basic are attached.

1 This product comes with Extension of Coverage Term to extend the term of basic plan and rider(s) (if applicable) up to the Policy Anniversary of Life Assured’s age 100 or the rider’s maximum coverage term, whichever is earlier. Unless you request to disable the Extension of Coverage Term, 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.

Benefits Table

Medical Plus Solution is a package offered using PRULink Cover, as the basic plan, offers the following optional riders: 

  1. PRUValue Med with PRUValue Med Booster / PRUMillion Med with PRUMillion Med Booster / PRUHealth
  2. Crisis Care
  3. Acci Guard Plus
  4. Acci Med Plus
  5. Acci Income Plus
  6. Payor Basic


Medical Riders
The flexibility to choose different coverage and benefits to suit your medical needs. When choosing a medical plan, it is best to compare your available options carefully and determine which benefits are most important for you.

To extend your medical safety net overseas, you can attach PRUMedic Overseas which enables access to treatment in Singapore, Hong Kong or China for 5 covered illnesses.


Table of Benefits

  PRUValue Med with PRUValue Med Booster PRUMilllion Med with PRUMilllion Med Booster PRUHealth
Coinsurance1, Med Saver2
or Deductible2
Yes or No for Med Saver or Deductible.

If Yes, flexible option:

Med Saver Options: 300/ 1,000/ 3,000/ 5,000/ 10,000

Deductible Options: 20,000/ 50,000/ 75,000/ 100,000
Med Saver Options: 300/ 1,000/ 3,000/ 5,000/ 10,000
  • Coinsurance
  • Med Saver RM3,000
Room & Board Benefits
a. Hospital Daily Room
& Board (R&B)
RM150, RM200, RM300, RM400, RM500 or RM600 per day

No maximum number of days per year
RM200, RM250, RM300, RM400 or RM500 per day

No maximum number of days per year
RM100, RM150, RM200, RM300 or RM400 per day

Up to 120 days per year
Hospital & Surgical Benefits
b. Intensive Care Unit / Cardiac Care Unit Benefit As charged3

No maximum number of days per year
As charged3

Up to 30 days per year
c. In-hospital & Related Services
  • Surgical Fees
  • Hospital Supplies and Services
  • Operating Theatre Fees
  • Anaesthetist Fees
  • In-Hospital Specialist’s Visit
As charged3
d. Organ/Bone Marrow
Transplant Benefit
NA As charged3 (no limit per lifetime) NA
Outpatient Treatment Benefits
e. Pre-hospitalisation Treatment As charged3

Within 90 days before hospitalisation
As charged3

Within 30 days before
hospitalisation
f. Post-hospitalisation Treatment
    • Non-Serious Condition
As charged3

Within 90 days after hospital discharge
    • Serious Condition
As charged3

Within 365 days after hospital discharge
As charged3

Within 90 days after hospital discharge
g. Day Surgery As charged3

(includes Day Care Procedure)
As charged3
h. Home Nursing Care

Up to 180 days per lifetime
As charged3 R&B 200: RM4,000
R&B 250: RM5,000
R&B 300: RM6,000
R&B 400: RM8,000
R&B 500: RM10,000
As charged3
Plus any amount in excess of above mentioned amount per confinement (subject to a maximum of 20 days per confinement)
i. Outpatient Cancer Treatment

j. Outpatient Kidney Dialysis
As charged3
No limit per lifetime
(including take-home drugs,
examination tests & consultation)
As charged3
(including take-home drugs,
examination tests & consultation)
As charged3
(excluding take-home drugs,
examination tests & consultation)
k. Outpatient Physiotherapy Treatment Benefit NA R&B 200: RM6,000
R&B 250: RM8,000
R&B 300: RM10,000
R&B 400: RM12,000
R&B 500: RM14,000

Per year, within 90 days after hospital discharge
NA
l. Outpatient Physiotherapy Treatment Benefit – Serious Condition NA Within 90 days after hospital discharge: Any amount in excess of benefit (k) per year

91st day to 365th day after hospital discharge: As Charged3
NA
m. Outpatient Dengue Fever Treatment Benefit NA R&B 200: RM2,000
R&B 250: RM2,500
R&B 300: RM3,000
R&B 400: RM4,000
R&B 500: RM5,000

Per diagnosis
NA
Other Benefits
n. Maternity Complications
Benefit for Female Life Assured only
As charged3
No limit per year
As charged3 NA
o. Intraocular Lens Up to RM6,000 per lifetime As charged1
p. Emergency Treatment For
Accidental Injury
R&B 150: RM1,500
R&B 200: RM2,000
R&B 300: RM3,000
R&B 400: RM4,000
R&B 500: RM5,000
R&B 600: RM6,000

Per year
R&B 200: RM4,000
R&B 250: RM5,000
R&B 300: RM6,000
R&B 400: RM8,000
R&B 500: RM10,000

Per accident
R&B 100: RM1,000
R&B 150: RM1,500
R&B 200: RM2,000
R&B 300: RM3,000
R&B 400: RM4,000

Per year
Annual Limit NA R&B 200 (RM) R&B 250 (RM) R&B 300 (RM) R&B 400 (RM) R&B 500 (RM) Plan 100: RM50,000
Plan 150: RM62,500
Plan 200: RM75,000
Plan 300: RM100,000
Plan 400: RM150,000
1.48 mil 1.78 mil 1.93 mil 2.03 mil 2.13 mil
Increases by 100k every year Increases by 150k every year
Lifetime Limit (also known as Med Value Point4 for PRUValue Med with PRUValue Med Booster) R&B 150 (RM) R&B 200 (RM) R&B 300 (RM) R&B 400 (RM) R&B 500 (RM) R&B 600 (RM) NA Plan 100: RM520,000
Plan 150: RM650,000
Plan 200: RM780,000
Plan 300: RM1.04mil
Plan 400: RM1.56mil
Flexible option:

1.10 mil, 1.60 mil or 2.10 mil
Flexible option:

1.15 mil, 1.65 mil or 2.15 mil
Increases by 100k every year Increases by 150k every year
Med Value Point Bonus5 Med Value Point increases at 2% of the initial Med Value Point (exclude the portion from PRUValue Med Booster) at the end of every 2 policy years, provided no claim has been incurred during the 2 policy years.

Applicable to plans with Hospital Daily R&B of RM300 and above.
NA
No Claims Benefit* – Preventive Care / No Claims Bonus Below R&B RM300: RM500 per year

R&B 300 and above: RM1,000 per year
Plan 100: RM100
Plan 150: RM150
Plan 200: RM300
Plan 300: RM400
Plan 400: RM500
Emergency Medical Assistance6 Yes
Expert Medical Opinion6,7 Yes NA

Notes:

1 If you choose a medical rider with coinsurance, you must pay 10% of the cost of an eligible benefit, subject to a minimum coinsurance amount of RM300 and a maximum coinsurance amount of RM1,000 for Hospital & Surgical Benefit, and a maximum coinsurance amount of RM2,000 for the Outpatient Treatment Benefit. The remaining balance is paid by us up to the annual limit or lifetime limit (if applicable).

2 If you choose a medical rider with Med Saver, you must first pay a fixed amount equivalent to the Med Saver selected out of the total Reasonable and Customary Charges of eligible benefits, which are Hospital & Surgical Benefits, Outpatient Treatment Benefits, Maternity Complications Benefits and Emergency Treatment For Accidental Injury (excluding the cost of Hospital Daily Room & Board and Intraocular Lens) for any one disability. Otherwise, if Deductible is chosen, you must first pay a fixed amount equivalent to the Deductible selected out of the total Reasonable and Customary Charges of accumulated eligible benefits, which are Hospital Daily Room & Board, Hospital & Surgical Benefits, Outpatient Treatment Benefits and Other Benefits within an annexure year. If Med Saver and Deductible are not chosen, the fixed amount shall not apply.

3We shall only reimburse Reasonable and Customary charges on eligible expenses which are deemed Medically Necessary.

4Claims on eligible benefits will be payable in full (subject to Med Saver or Deductible, if applicable) up to the Total Med Value Point. If the total benefits we pay to you have exceeded the Total Med Value Point, we shall pay 80% of the eligible benefit's excess cost. Total Med Value Point is equivalent to the sum of initial Med Value Point, any accumulated Med Value Point bonus and additional Med Value Point (from PRUValue Med Booster).

5When total claims paid exceeds the Total Med Value Point, no further Med Value Point Bonus shall be provided even if there are no further claims.

6Emergency Medical Assistance and Expert Medical Opinion are services provided from third party providers which are non-contractual in nature and do not form part of the policy. We have the right to terminate this service by giving a 90 days written notice.

7Expert Medical Opinion is a value added service that provides second medical opinion from medical experts in various areas of specialization. This service is to assist you to learn more about your medical conditions and make an informed decision on the treatment plans. 

*If no claim has been incurred during the preceding year. 

For Overseas Treatment, if the Life Assured chooses to have or is referred to be treated outside Malaysia, the benefits for the treatment are limited to the Reasonable and Customary and Medically Necessary charges for equivalent local treatment in Malaysia and subject to 90 days residence limit.


Critical Illness Riders

Ease your mind and focus on your recovery with Crisis Care rider and Crisis Guard rider which offer additional and accelerated lump sum payment benefits respectively upon the diagnosis of any of the covered 43 Critical Illnesses.

Note: For the full list of covered Critical Illnesses, please refer to Product Disclosure Sheet and Product Illustration.

*For Angioplasty and Other Invasive Treatments for Coronary Artery Disease, only 10% of the Rider Sum Assured, subject to a maximum of RM25,000.00, is payable.

** Only 50% of the Rider Sum Assured is payable under Full-Blown AIDS.


Accidental Riders

Obtain accidental coverage with Acci Guard Plus, Acci Med Plus, and Acci Income Plus which provide lump sum benefits, medical reimbursement and income respectively for disabilities due to accidental causes.


Payor Riders

Concerned about your policy when the unspeakable happens? Our Payor riders1 will pay for your plan in the event of death (if applicable), TPD2, or Critical Illness of yourself or your covered family members. This will be made possible using our Payor, Parent Payor, 2Parent Payor, and Spouse Payor riders.

If more than one Payor rider triggers at once, not only will the premiums of the policy be borne by Prudential, but an amount equal to the Rider Sum Assured of the subsequent payor rider(s) will be allocated into the policy’s Account Value with 100% allocation, allowing for more funds for the policy owner.

1Angioplasty and Other Invasive Treatments for Coronary Artery Disease is not covered under Payor Riders.

2TPD coverage is available prior to the Policy Anniversary of age 70 or expiry of the rider, whichever is earlier.


Savings/Investment Riders

Cultivate the habit of saving and investing regularly with PRUSaver or PRUSaver Kid rider which improves your money’s worth with potentially higher returns and increased value of units.

For further details and the full list of benefits regarding the basic plan and these riders, please refer to the Product Illustration and Policy Contract.

Case Study

Scenario

Jeremy is a male, ANB 25, non-smoker with occupational class 1 wish to purchase insurance plan under Medical Plus Solution with target sustainability option of ANB 70, 100% equity fund and with monthly premium payment through credit card.

Plan info
1. Basic Sum Assured - RM100,000
2. Crisis Care - RM50,000
3. Acci Guard Plus - RM100,000
4. Acci Med Plus – RM3,000
5. Acci Income Plus – 3 units
6. Payor Basic
7. PRUValue Med with PRUValue Med Booster / PRUMillion Med with PRUMillion Med Booster / PRUHealth

Available Medical Riders Options

PRUValue Med with PRUValue Med Booster with R&B 200, MVP RM1million with Med Saver 3,000

PRUMillion Med with PRUMillion Med Booster with R&B 200 and Med Saver 3,000

PRUHealth with R&B 150 and coinsurance option

 
Monthly Premium RM 248.00 RM 254.00 RM 201.00

Frequently Asked Questions

PRULink Cover is a regular premium investment-linked insurance plan that grows and stays with you throughout your life journey – from protection of unborn babies as early as 13 gestational weeks, up to the selected policy term, with options of auto extension up to age 100. It offers different types of riders, such as critical illness riders, accidental riders, medical riders, payor riders and saving riders. You have the flexibility to select additional riders to tailor to your life stage needs. Not only that, PRULink Cover also rewards you with Goal Achievement Benefit when you achieved certain milestones of life.

Medical Plus Solution is available to anyone between 13 weeks into pregnancy and 70 years old.

If you choose a medical rider with Med Saver, you must first pay a fixed amount equivalent to Med Saver amount out of the eligible benefits before Prudential pays for any expenses (excluding the cost of Hospital Daily Room & Board and Intraocular Lens) for any one disability. 

Med Saver applies to Hospital & Surgical Benefits, Outpatient Treatment Benefits, Maternity Complications Benefit (if any) and Emergency Treatment for Accidental Injury Benefit.

If you choose a medical rider with Deductible, you must first pay a fixed amount equivalent to Deductible selected out of the total accumulated eligible benefits within an annexure year, before Prudential pays the rest of the expenses. The costs of the eligible benefit accumulated for that annexure year will not be carried forward to the next annexure year. 

If you already have a medical plan with an annual limit equivalent to (or higher than) the deductible amount, the eligible expenses in excess of the Deductible selected will be covered by the medical plan with Deductible. 

Deductible applies to Hospital Daily Room & Board Benefit, Hospital & Surgical Benefits, Outpatient Treatment Benefits, and Other Benefits.

Coinsurance is a cost-sharing arrangement under which you pay a specified percentage of the cost of an eligible benefit. If coinsurance is selected, you will have to pay 10% of the cost of an eligible benefit, subject to a minimum coinsurance amount of RM300 and a maximum coinsurance amount of RM1,000 for Hospital & Surgical Benefit, and a maximum coinsurance amount of RM2,000 for the Outpatient Treatment Benefit. The remaining balance is paid by Prudential up to the annual limit and lifetime limit, if applicable.

Claims on eligible benefits will be payable in full (subject to Med Saver or Deductible, if applicable) up to the initial Med Value Point plus any accumulated Med Value Point Bonus. If the total accumulated eligible claims paid exceed the initial Med Value Point plus any accumulated Med Value Point Bonus, we will still provide continuous coverage up to the expiry age by paying 80% of the excess eligible benefit cost as long as the medical plan remains in force. 

Outpatient Cancer Treatment and Outpatient Kidney Dialysis Benefits will be up to 1.5 times of the initial Med Value Point. Claims paid out for Outpatient Cancer Treatment and Outpatient Kidney Dialysis Benefits will be counted as part of Med Value Point.

For plans with Hospital Daily Room & Board (R&B) of RM300 and above, we will reward you with Med Value Point Bonus which increases your Med Value Point (MVP) by 2% of the initial MVP for every two policy years where you do not incur claims. 

When total claims paid exceed the initial MVP plus any accumulated Med Value Point Bonus, no further Med Value Point Bonus shall be provided even if there are no further claims.

If we do not pay you any claims under PRUHealth for the year, you will receive NCB, where additional units are purchased for your investment in the following year. The amount of NCB paid depends on the plan that you have chosen. 

If we have paid you any claim under PRUHealth, you will not receive any NCB in the following year. However, you will receive the NCB for subsequent years as long as we do not pay you any claims under PRUHealth in preceding year. 

An example of the NCB mechanism, for a 25-year old male Life Assured with a PRUHealth Plan 150, expiring at age 100 and pays an annual premium of RM2,500:

Policy Years Annual Premium Any PRUHealth Claims Paid Qualify for NCB? Amount of NCB Received (RM)
1 2,500 No Yes -
2 2,500 Yes No 150
3 2,500 No Yes -
4 2,500 No Yes 150
5 2,500 No Yes 150

The total premium that you have to pay and the policy terms may vary depending on our underwriting requirements. The premiums are payable throughout the duration of the plan up to its maturity. Premiums can be paid yearly, half-yearly, quarterly, or monthly via Cash/Cheque, Credit/Debit Card or Direct Debit (via UOB account). 

Please refer here for details on cost of insurance for the medical riders, critical illness riders and payor riders.

PRUValue Med PRUValue Med Booster PRUMillion Med PRUMillion Med Booster PRUMedic Overseas
PRUHealth Crisis Care Payor Basic and Saver Parent Payor Basic and Saver and 2Parent Payor Basic and Saver Spouse Payor Basic and Saver


Note: The insurance charge for basic benefits is guaranteed, whereas the insurance charges for the riders are not guaranteed and may be varied from by giving you 3 months notice except for medical and critical illness benefit where 30 days notice will be provided).

Your premium paid will be allocated to buy units in the PRULink Funds and/ or PRULink Global Funds and/ or PRULink Local and Global Funds that you have selected. 

Any unallocated amount will be used to pay commissions to Bank and other expenses by us. You are advised to refer to the allocation rates given in the Product Illustration. 

Through our PRULink Funds and PRULink Global Funds, and PRULink Local and Global Funds that can cater to the financial risk appetite of a wide range of customers, you can have your premium invested in both local and even global markets. This way, you would have control not only over the amount of risk you are exposing your investments to but can also widen your investment scope internationally.

The eligibility for the benefits under the policy will start only after the waiting periods below from the effective date of the policy or the date of policy revival, whichever is later. Where Life Assured of PRULink Cover is unborn child, a waiting period of 30 days from birth will be applicable for the death and TPD coverage. Otherwise, there is no waiting period for the death and TPD coverage under PRULink Cover.

Benefit Conditions Waiting Period
Critical Illness & Payor Benefit Heart Attack, Coronary Artery By-Pass Surgery, Serious Coronary Artery Disease, Angioplasty and Other Invasive Treatments for Coronary Artery Disease and Cancer 60 days
All other covered illnesses 30 days
Medical Benefit Specified covered illnesses 120 days
All other covered illnesses 30 days
Maternity complications 365 days
Hospitalisation due to accidents Immediately

The waiting periods for other riders are detailed in the Product Disclosure Sheet and Product Illustration.

Please click on the product/riders for the exclusion lists:

PRULink Cover
PRUValue Med
PRUValue Med with PRUValue Med Booster
PRUHealth
PRUMillion Med
PRUMillion Med with PRUMillion Med Booster
Payor Basic
Crisis Care

PRULink Cover PRUValue Med PRUValue Med Booster PRUMillion Med
PRUMillion Med Booster Payor Basic Crisis Care PRUHealth

Important Notes

  • This content contains only a brief description of the product and is not exhaustive. You are advised to refer to PRULink Cover Product Disclosure Sheet, Product Illustration and Fund Fact Sheet(s) for further information before purchasing a policy, and to refer to the terms and conditions in the policy contract for details of the features and benefits, exclusions and waiting periods under the policy.
  • Medical Plus Solution is a package offered using PRULink Cover as the basic plan. Please note that the package here consists of components that can be bought separately and you are not obligated to select all components of this package.
  • You should satisfy yourself that this product will best serve your needs and that the premium payable under the policy is an amount that you can afford. To achieve this, we recommend that you speak to your UOB Malaysia representative who will perform a needs analysis and assist you in making an informed decision. You may also contact the insurance company directly for more information.
  • The rates of the insurance charges for basic plan are guaranteed, whereas rates for its attachable riders (if any) are not guaranteed and we reserve the right to revise them at policy anniversary by giving a 90-day prior notice to policy owners (except for medical and critical illness riders where a 30-day prior notice will be provided). If we increase the rates of the insurance charges, you may need to pay additional premiums or top-ups.
  • You can surrender the policy at any time. However, if you terminate the policy in the early years, you may get back less than the amount you have paid in. Upon surrender, a surrender value will be payable and all the benefits under this plan will be terminated.
  • There is a free-look period of 15 days after the policy has been delivered to you to allow you to review it if it meets your needs. If the policy is cancelled within this period, we will refund you the unallocated premiums, the value of units that have been allocated (if any) at unit price at the next valuation date, any insurance charge, taxes (if any) and other charges that have been deducted, less any medical fee incurred.
  • PRULink Cover and its attachable riders (if any) are not Shariah-compliant products.
  • Among other factors, non-payment of premiums may cause this policy to lapse. The policy coverage term shall depend on the target policy term option selected and is subject to the policy having sufficient value of units to cover all the policy charges. To ensure that the policy has sufficient value of units, additional premium is likely required during the policy term.
  • For more information on the funds, please refer to their respective Fund Fact Sheets available on PAMB corporate website at www.prudential.com.my. You may also track the performance of your fund(s) by checking the unit prices published daily on the website.
  • If you switch your current medical plan with another or from one provider to another, you may be subject to new underwriting requirements and waiting periods for the new plan.
  • You must inform us of any change in your occupation, avocation or sports activities because it may affect the premiums, terms, conditions and benefits of the policy.
  • Any age reference shall be on the basis of Age Next Birthday.
  • Prudential Assurance Malaysia Berhad (PAMB) is a licensed insurance company under the Financial Services Act 2013 that is regulated by Bank Negara Malaysia.

 

PLEASE NOTE THAT THIS IS AN INSURANCE PRODUCT THAT IS TIED TO THE PERFORMANCE OF THE UNDERLYING ASSETS, AND IS NOT A PURE INVESTMENT PRODUCT SUCH AS UNIT TRUSTS.

 


Enrolment

Visit any UOB Malaysia Branch nearest to you.

Disclaimer

Underwritten by:

Prudential

The above plans are underwritten by Prudential Assurance Malaysia Berhad 198301012262 (107655-U). All claims and liabilities arising from the policies should be made with the company.

Prudential Assurance Malaysia Berhad is a licensed insurance company and is regulated by Bank Negara Malaysia. Prudential Assurance Malaysia Berhad is responsible for the products and benefits offered by them, as well as any representation made in any of their marketing materials including United Overseas Bank (Malaysia) Bhd’s marketing material for the products offered by Prudential Assurance Malaysia Berhad.

This content contains only a brief description of the product and is not exhaustive. You are advised to visit any of our branches and to refer to Product Brochure, Product Disclosure Sheet, Product/Sales Illustration and Fund Fact Sheet(s) (if any) before purchasing a policy, and to refer to the terms and conditions in the policy contract for details of the features and benefits under the policy.

Buying life insurance policy is a long-term financial commitment. You should assess the affordability and suitability of the product (including supplementary benefits) that best suits your personal circumstances in relation to your financial goals and risk appetite. To achieve that, we recommend that you speak to your Prudential Representative or UOB Malaysia representative who will perform a needs analysis and assist you in making an informed decision.

PROTECTION BY PERBADANAN INSURANS DEPOSIT MALAYSIA (“PIDM”) ON BENEFITS PAYABLE FROM THE UNIT PORTION OF THIS CERTIFICATE/POLICY IS(ARE) SUBJECT TO LIMITATIONS. Please refer to PIDM’s Takaful and Insurance Benefits Protection System (“TIPS”) Brochure or contact Prudential Assurance Malaysia Berhad or PIDM (visit www.pidm.gov.my).