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 charged1, subject 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 charged1, subject 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 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.