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 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)1
Age of Entry Pre-birth: After 14 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 PRULink Cover 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
  • Crisis Care
  • Crisis Guard
  • Essential Child Plus
Accident
  • Acci Guard Plus
  • Acci Med Plus
  • Acci Income Plus
Payor Benefit
  • Payor Basic
  • Payor Saver**
  • Spouse Payor Basic
  • Spouse Payor Saver**
  • Parent Payor Basic
  • Parent Payor Saver**
  • 2Parent Payor Basic
  • 2Parent Payor Saver**
Savings
  • PRUSaver
  • PRUSaver Kid
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.

1This product comes with an option 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 withdraw the consent, 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.

Your consent is obtained upon proposal submission to allow the auto extension. You may withdraw this consent anytime before the auto extension comes into effect by writing to us.

 

Benefits Table

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

  1. PRUValue Med / PRUMillion Med / 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 PRUMilllion Med PRUHealth
Coinsurance1, Med Saver2
or Deductible2
  • Med Saver RM300
  • Deductible RM20,000
  • Deductible RM50,000
  • Deductible RM75,000
  • Deductible RM100,000
  • Without Med Saver / Deductible
  • Med Saver RM300
  • Coinsurance
  • Med Saver RM300
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
  • Surgical Fees
  • Hospital Supplies and Services
  • Operating Theatre Fees
  • Anaesthetist Fees
  • In-Hospital Specialist’s Visit
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
f. Post-hospitalisation Treatment As charged3

Within 90 days after hospital discharge
g. Day Surgery

As charged1

(includes Day Care Procedure)

As charged3
h. Home Nursing Care

Up to 180 days per lifetime
As charged3
(includes Day Care Procedure)
Up to 20 times of Hospital Daily
R&B amount per confinement
As charged3
i. Outpatient Cancer Treatment As charged3 As charged3 As charged3
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)
i. Outpatient Cancer Treatment As charged3 As charged3 As charged3
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: RM14,000 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 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.
NA Plan 100: RM520,000
Plan 150: RM650,000
Plan 200: RM780,000
Plan 300: RM1.04mil
Plan 400: RM1.56mil
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
Emergency Medical Assistance4 Yes
Expert Medical Opinion4,5 Yes NA

Notes:

1If 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).

2If 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.

  1. Stroke
  2. Heart Attack
  3. Kidney Failure
  4. Cancer
  5. Coronary Artery By-Pass Surgery
  6. Serious Coronary Artery Disease
  7. Angioplasty And Other Invasive Treatments For Coronary Artery Disease*
  8. End-Stage Liver Failure
  9. Fulminant Viral Hepatitis
  10. Coma
  11. Benign Brain Tumor
  12. Paralysis Of Limbs
  13. Blindness
  14. Deafness
  15. Third Degree Burns
  16. HIV Infection Due To Blood Transfusion
  17. Full-Blown AIDS**
  18. End-Stage Lung Disease
  19. Encephalitis
  20. Major Organ / Bone Marrow Transplant
  21. Loss Of Speech
  22. Brain Surgery
  23. Heart Valve Surgery
  24. Loss Of Independent Existence
  25. Bacterial Meningitis
  26. Major Head Trauma
  27. Chronic Aplastic Anemia
  28. Motor Neuron Disease
  29. Parkinson’s Disease
  30. Alzheimer’s Disease / Severe Dementia
  31. Surgery To Aorta
  32. Multiple Sclerosis
  33. Primary Pulmonary Arterial Hypertension
  34. Medullary Cystic Disease
  35. Cardiomyopathy
  36. Systemic Lupus Erythematosus With Severe Kidney Complications
  37. Occupationally Acquired Human Immunodeficiency Virus (HIV) Infection
  38. Muscular Dystrophy
  39. Terminal Illness
  40. Poliomyelitis
  41. Apallic Syndrome
  42. Chronic Relapsing Pancreatitis
  43. Progressive Scleroderma

*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


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:

  • PRUMillion Med2 with R&B 300 and he pays RM262 per month for the Medical Plus Solution package; or
  • PRUHealth3 with R&B 150 and coinsurance option and he pays RM170 per month for Medical Plus Solution package.

Note:

125ANB 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 Plus 100,000, Acci Med Plus 3,000, Acci Income Plus 3, Payor Basic, PRUValue Med Plan 200, MVP 1mil, Medsaver 300

225ANB 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 Plus 100,000, Acci Med Plus 3,000, Acci Income Plus 3, Payor Basic, PRUMillion Med Plan 300

325ANB 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 Plus 100,000, Acci Med Plus 3,000, Acci Income Plus 3, Payor Basic, PRUHealth Plan 150

 

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 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 click the following for details on cost of insurance for the medical riders, critical illness riders and payor riders.

PRUValue Med PRUMillion Med 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 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 the following product/riders for the exclusion lists:

PRULink Cover PRUValue Med PRUMillion Med 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, Fund Fact Sheet(s), and the consumer education booklet on ‘Investment-Linked Insurance’, ‘Medical & Health Insurance’ and ‘Personal Accident Insurance’ 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.
  • 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 Bank 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 date of delivery of the policy 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 Syariah-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.


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.

 


Enrolment

Visit any UOBM Branch nearest to you.