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.
| 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 14 weeks into pregnancy Post-birth: 1-70 ANB |
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| Minimum Sum Assured | RM10,000 and subject to the minimum sum assured multiple | ||||||||||||
| Maximum Sum Assured | Subject to underwriting | ||||||||||||
| Benefit |
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| Premium | Minimum insurance premium for:
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| Riders that can be bought with this policy |
*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.
Medical Plus Solution is a package offered using PRULink Cover, as the basic plan, offers the following optional riders:
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 | PRUMilllion Med | PRUHealth | |
| Coinsurance1, Med Saver2 or Deductible2 |
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| Room & Board Benefits | |||
| a. Hospital Daily Room & Board (R&B) |
RM100, RM200, RM300, RM400, RM500 or RM600 per day Up to 150 days per year |
RM200, RM250, RM300, RM400 or RM500 per day Up to 120 days per year |
RM100, RM150, RM200, RM300 or RM400 per day Up to 120 days per year |
| Hospital & Surgical Benefits | |||
| b. Intensive Care Unit | As charged3 Up to 90 days per year |
As charged3 Up to 120 days per year |
As charged3 Up to 30 days per year |
c. In-hospital & Related Services
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As charged3 | ||
| d. Organ/Bone Marrow Transplant Benefit |
As charged3 (under surgical fees) | As charged3 (once per lifetime) | As charged3 (under surgical fees) |
| Outpatient Treatment Benefits | |||
| e. Pre-hospitalisation Treatment | As charged3 Within 60 days before hospitalisation |
As charged3 Within 30 days before hospitalisation |
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| f. Post-hospitalisation Treatment | As charged3 Within 90 days after hospital discharge |
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| g. Day Surgery |
As charged1 |
As charged3 | |
| h. Home Nursing Care Up to 180 days per lifetime |
As charged3 | Up to 20 times of Hospital Daily R&B amount per confinement |
As charged3 |
| i. Outpatient Cancer Treatment j. Outpatient Kidney Dialysis |
As charged3 Up to 1.5 times of the initial Med Value Point 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 Within 90 days after hospital discharge |
As charged3 (under post-hospitalisation treatment) |
Up to: Plan 200: RM6,000 Plan 250: RM8,000 Plan 300: RM10,000 Plan 400: RM12,000 or Plan 500: RM14,00 per year |
As charged3 (under post-hospitalisation treatment) |
| l. Outpatient Dengue Fever Treatment Benefit | NA | Up to 10 times of Hospital Daily R&B amount per diagnosis |
NA |
| Other Benefits | |||
| m. Maternity Complications Benefit for Female Life Assured only |
Up to RM5,000 per year | NA | NA |
| n. Intraocular Lens | Up to RM6,000 per lifetime | As charged3 | |
| o. Emergency Treatment For Accidental Injury |
Up to 10 times of Hospital Daily R&B amount per year |
Up to 20 times of Hospital Daily R&B amount per accident |
Up to 10 times of Hospital Daily R&B amount per year |
| Annual Limit | No Annual and Lifetime Limit, subject to Med Value Point of RM1 million, RM1.5 million or RM2 million. If the total claims paid exceed the chosen Med Value Point plus any accumulated Med Value Point Bonus, we shall pay 80% of the eligible benefit’s excess cost. |
Plan 200: RM1.38mil Plan 250: RM1.68mil Plan 300: RM1.78mil Plan 400: RM1.88mil Plan 500: RM1.98mil |
Plan 100: RM50,000 Plan 150: RM62,500 Plan 200: RM75,000 Plan 300: RM100,000 Plan 400: RM150,000 |
| Lifetime Limit | NA | Plan 100: RM520,000 Plan 150: RM650,000 Plan 200: RM780,000 Plan 300: RM1.04mil Plan 400: RM1.56mil |
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| Med Value Point Bonus | Med Value Point increases at 2% of the initial Med Value Point at the end of every 2 policy years, provided no claim has been incurred during the 2 policy years and the policy remained in force during the preceding 2 policy years. Applicable to plans with Hospital Daily R&B of RM300 and above. |
NA | |
| Annual No Claims Bonus | NA | Plan 100: RM100 Plan 150: RM150 Plan 200: RM300 Plan 300: RM400 Plan 400: RM500 |
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| Emergency Medical Assistance4 | Yes | ||
| Expert Medical Opinion4,5 | 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.
4Emergency 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.
5Expert 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.
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 as stated below.
*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.
Visual
Note: Jeremy chooses to purchase PRUValue Med1 (R&B 200, MVP RM1 million with Med Saver) under Medical Plus Solution and pay RM206 per month. However, he also has another two medical benefit options to choose from to suit his medical needs and financial affordability:
Note:
1 25ANB male, non-smoker, occupation class 1, Monthly, Credit Card, 100% PRULink Equity Focus Fund, target sustainability option is age 70 next birthday
BSA 100,000, Crisis Care 50,000, Acci Guard 100,000, Acci Med 3,000, Acci Income 3, Payor Basic, PRUValue Med Plan 200, MVP 1mil, Medsaver 300
2 25ANB male, non-smoker, occupation class 1, Monthly, Credit Card, 100% PRULink Equity Focus Fund, target sustainability option is age 70 next birthday
BSA 100,000, Crisis Care 50,000, Acci Guard 100,000, Acci Med 3,000, Acci Income 3, Payor Basic, PRUMillion Med Plan 300
3 25ANB male, non-smoker, occupation class 1, Monthly, Credit Card, 100% PRULink Equity Focus Fund, target sustainability option is age 70 next birthday
BSA 100,000, Crisis Care 50,000, Acci Guard 100,000, Acci Med 3,000, Acci Income 3, Payor Basic, PRUHealth Plan 150
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 14 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 14 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 150 plan, expiring at age 100 and pays an annual premium of RM2,400:
| Policy Years | Annual Premium | Any PRUHealth Claims Paid | Qualify for NCB? | Amount of NCB Received (RM) |
| 1 | 2,400 | No | Yes | - |
| 2 | 2,400 | Yes | No | 150 |
| 3 | 2,400 | No | Yes | - |
| 4 | 2,400 | No | Yes | 150 |
| 5 | 2,400 | 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 | PRUMillion Med | PRUMedic Overseas | PRUHealth |
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| Crisis Care | Payor Basic and Saver | Parent Payor Basic and Saver and 2Parent Payor Basic and Saver | Spouse Payor Basic and Saver |
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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 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 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 | PRUMillion Med | Payor Basic |
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| Crisis Care | PRUHealth | ||
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Prudential Assurance Malaysia Berhad
Member of PIDM
Prudential Assurance Malaysia Berhad (PAMB) is a member of Perbadanan Insurans Deposit Malaysia (PIDM). As a member of PIDM, some of the benefits insured under the insurance policies offered by PAMB are protected against loss of part or all of insurance benefits by PIDM, in the unlikely event of an insurer member failure. For further details of the protection limits and the scope of coverage, please obtain a PIDM information brochure from PAMB or visit PIDM website (www.pidm.gov.my) or call PIDM toll-free line (1-800-88-1266).
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.
Underwritten by:
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) Berhad’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.
Prudential Assurance Malaysia Berhad (PAMB) is a member of Perbadanan Insurans Deposit Malaysia (PIDM). As a member of PIDM, some of the benefits insured under the insurance policies offered by PAMB are protected against loss of part or all of the insurance benefits by PIDM, in the unlikely event of an insurer member failure. For further details of the protection limits and the scope of coverage, please obtain a PIDM information brochure from PAMB or visit the PIDM website or call the PIDM toll free line (1-800-88-1266).
