PRUHealth

Overview

Introduction

Most of us realise the importance of having a medical plan to safeguard ourselves against unexpected and costly medical bills. More often than not, we pay our premiums every year without fail for round-the-clock protection. However, not all of us make a claim each and every year.

What if you can now purchase a plan that rewards you with yearly bonuses of up to RM500 when you do not make a claim, whilst you continue to enjoy peace of mind through comprehensive health and medical coverage?

Introducing PRUHealth, a regular premium medical rider that gives you bonuses when you are healthy and takes care of your medical bills when you are not.

Benefits

PRUHealth is a medical plan that not only pays for hospital bills when needed but also rewards customer a yearly bonus when no claims are paid under this plan for the previous year.

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)
Age of Entry Pre-birth: After 14 weeks into pregnancy*
Post-birth: 1-70ANB
Basic Plans That Can Attach This Rider PRULink Cover

*PRUHealth can be purchased at pre-natal stage (14 weeks into pregnancy) in which the waiting period will be calculated from the actual date of birth of the child.

 

Benefits Table

Benefits Benefit Amount
Plan 100 150 200 300 400
Annual No Claims Bonus (RM) 100 150 300 400 500
Hospital & Surgical Benefits (RM)
a) Hospital Daily Room & Board (120 days per year)
100 150 200 300 400
b) Intensive Care Unit
(30 days per year)
As Charged1subject to coinsurance2 or Med Saver3
c) In-hospital & Related Services
  • Surgical
  • In-hospital & Related Services 
  • Operating Theatre Fees
  • Anaesthetist Fees
  • Specialist’s Visit
Out-patient Treatment Benefits
d) Pre-hospitalisation Treatment (within 30 days before hospitalization)
e) Post-hospitalisation Treatment (within 90 days after hospital discharge)
f) Home Nursing Care (up to 180 days per lifetime)
g) Day Surgery
h) Cancer Treatment
i) Kidney Dialysis
As Charged1subject to coinsurance2 or Med Saver3
j) Emergency Treatment for Accidental Injury (RM)
(Annual Limit)
1,000 1,500 2,000 3,000 4,000
Annual Limit (RM) 50,000 62,500 75,000 100,000 150,000
Lifetime Limit (RM) 520,000 650,000 780,000 1,040,000 1,560,000
Emergency Medical Assistance4 Yes

Notes:

1We shall only reimburse Reasonable and Customary Charges on eligible expenses which are deemed Medically Necessary.

2If coinsurance is selected, you will have to pay 10% of cost of an eligible benefit, subject to minimum coinsurance amount of RM300 and maximum coinsurance amount of RM1,000 for Hospital & Surgical Benefits (excluding Hospital Daily Room & Board), and maximum coinsurance amount of RM2,000 for Outpatient Treatment Benefit. We reserve the right to revise the minimum and maximum coinsurance amount at Policy Anniversary, by giving 30 days notice. The remaining balance is paid by the Company up to the annual and lifetime limit.

3If Med Saver is selected, you will have to pay the first RM3,000 of the total cost of the eligible benefits (excluding Hospital Daily Room & Board). The remaining balance is paid by the Company up to annual and lifetime limit.

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.

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.

Please refer to Medical Plus Solution page for further details such as full list of benefits, exclusions, waiting period and other terms and conditions.

Note: Medical Plus Solution is a package offered using PRULink Cover as the basic plan and has PRUHealth as one of the medical riders that are selected for attachment.

 

Cost of Insurance Charges

Please click here for the full cost of insurance charges.

Exclusions

Please click here for the exclusion lists.

Eligibility

Age of Entry:
Pre-natal – 14 to 35 gestational weeks*
Child – 14 days to age 18 next birthday
Adult – age 19 to 70 next birthday 

*PRUHealth can be purchased at prenatal level in which the waiting period will be calculated starting from the actual date of birth of the child.

Enrolment

Visit any UOBM Branch nearest to you.