Medical Plus Solution is a package offered using PRULink Cover, as the basic plan, offers the following optional riders:
- PRUValue Med / PRUMillion Med / PRUHealth
- Crisis Care
- Acci Guard Plus
- Acci Med Plus
- Acci Income Plus
- 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
|
|
- Coinsurance
- Med Saver RM3,000
|
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 |
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 |
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:
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.
- Stroke
- Heart Attack
- Kidney Failure
- Cancer
- Coronary Artery By-Pass Surgery
- Serious Coronary Artery Disease
- Angioplasty And Other Invasive Treatments For Coronary Artery Disease*
- End-Stage Liver Failure
- Fulminant Viral Hepatitis
- Coma
- Benign Brain Tumor
- Paralysis Of Limbs
- Blindness
- Deafness
- Third Degree Burns
- HIV Infection Due To Blood Transfusion
- Full-Blown AIDS**
- End-Stage Lung Disease
- Encephalitis
- Major Organ / Bone Marrow Transplant
- Loss Of Speech
- Brain Surgery
- Heart Valve Surgery
- Loss Of Independent Existence
- Bacterial Meningitis
- Major Head Trauma
- Chronic Aplastic Anaemia
- Motor Neuron Disease
- Parkinson’s Disease
- Alzheimer’s Disease / Severe Dementia
- Surgery To Aorta
- Multiple Sclerosis
- Primary Pulmonary Arterial Hypertension
- Medullary Cystic Disease
- Cardiomyopathy
- Systemic Lupus Erythematosus With Severe Kidney Complications
- Occupationally Acquired Human Immunodeficiency Virus (HIV) Infection
- Muscular Dystrophy
- Terminal Illness
- Poliomyelitis
- Apallic Syndrome
- Chronic Relapsing Pancreatitis
- 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.