Medical Plus Solution

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.

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.

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.

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

1. PRUMillion Med Active with Active Booster / PRUMillion Med 2.0 with PRUMillion Med Booster 2.0 / PRUValue Med with PRUValue Med Booster
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.

If PRUValue Med is attached, you may extend your medical safety net overseas by attaching PRUMedic Overseas which enables access to treatment in Singapore, Hong Kong or China for 5 covered illnesses.

Table of Benefits

Notes:

¹ For PRUMillion Med Active/ PRUMillion Med 2.0/ PRUMillion Med Active with Active Booster/ PRUMillion Med 2.0 with PRUMillion Med Booster 2.0, if Deductible option is chosen, with the exception to the claims under No Claims Benefit, Emergency Treatment for Accidental Injury Benefit, Outpatient Cancer Treatment Benefit, Outpatient Kidney Dialysis Benefit or Treatment sought at a Government Healthcare Facility, policyholder must first pay a fixed amount equivalent to the Deductible selected out of the total Reasonable and Customary Charges of accumulated eligible benefits within an annexure year.

For PRUMillion Med Active/ PRUMillion Med Active with Active Booster, if Coinsurance option is chosen, with the exception to the claims under No Claims Benefit, Hospital Daily Room & Board Benefit, Emergency Treatment for Accidental Injury Benefit, Outpatient Cancer Treatment Benefit, Outpatient Kidney Dialysis Benefit or Treatment sought at a Government Healthcare Facility, policyholder must first pay a fixed amount equivalent to the 10% of the total  Reasonable and Customary Charges of eligible benefits, subject to minimum of RM500 and maximum of RM20,000.

For PRUValue Med/ PRUValue Med with PRUValue Med Booster, with the exception to the claims under No Claims Benefit:

• If Med Saver is chosen, policyholder must first pay a fixed amount equivalent to Med Saver selected out of the total Reasonable and Customary Charges of eligible benefits excluding the cost of Hospital Daily R&B and Intraocular Lens for Any One Disability.
• If Deductible is chosen, policyholder must first pay a fixed amount equivalent to the Deductible selected out of the total Reasonable and Customary Charges of accumulated eligible benefits within an annexure year.
• If Med Saver and Deductible are not chosen, the fixed amount shall not apply.

² We shall only reimburse Reasonable and Customary charges on eligible expenses which are deemed Medically Necessary.

³ Alternative Treatment only applicable to Plan R&B 300 and above, and including Acupuncture, Bonesetting, Chiropractic, Herbalist Treatment, Traditional Chinese Medicine, Moxibustion Therapy, Acupressure, Homeopathy and Osteopathy.

⁴ Claims 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).

⁵ When 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.

⁶ Emergency 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 these services by giving 90 days’ written notice.

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

For Overseas Treatment, if you choose to have or if you have been referred to be treated outside Malaysia, the benefits for the treatment are limited to the reasonable and customary medically necessary charges for equivalent local treatment in Malaysia. PRUValue Med / PRUValue Med with PRUValue Med Booster is subject to 90 days residence limit. For PRUMillion Med Active/ PRUMillion Med 2.0 / PRUMillion Med Active with Active Booster / PRUMillion Med 2.0 with PRUMillion Med Booster 2.0, we shall not pay any benefit if the Life Assured remains outside of Malaysia, apart from Singapore and Brunei, for more than 90 days on each trip.

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.

• 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.

Visit any UOB Malaysia Branch nearest to you.

Disclaimer

Underwritten by:

The above plans are underwritten by Prudential Assurance Malaysia Berhad 198301012262 (107655-U) and distributed by United Overseas Bank (Malaysia) Bhd 199301017069 (271809-K). 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).