PRUMedic Overseas

Overview

Introduction

Our world is becoming more interconnected in most aspects, including the healthcare sector. The acceleration of more advanced and convenient healthcare options has encouraged patients to seek better medical treatment overseas. Boost your coverage to a whole new level with PRUMedic Overseas today. It provides coverage if you decide to seek medical treatment in Singapore, Hong Kong or China, for up to 5 covered illnesses. 

We all know that good health is one of life’s greatest treasures. PRUMedic Overseas is designed to provide valuable benefits to specifically meet your needs in seeking the best medical treatments abroad. These three countries are among the top healthcare providers internationally.

Benefits

PRUMedic Overseas is a regular premium investment-linked medical rider that reimburses medical expenses incurred for hospitalisation and outpatient treatment overseas for covered illnesses.

PRUMedic Overseas is available for PRUValue Med and PRUMillion Med only.

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

*PRUMedic Overseas 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 (RM)
PRUMedic Overseas Gold PRUMedic Overseas Platinum
Plan PMO Gold PMO Platinum
Hospital & Surgical Benefits
a) Hospital Daily Room & Board (120 days per year)
b) Intensive Care Unit (30 days per year)
c) Surgical
d) In-hospital & Related Services
As Charged As Charged
Outpatient Treatment Benefits
a) Pre-hospitalisation Treatment (within 30 days before hospitalisation)
b) Post-hospitalisation Treatment (within 90 days after hospital discharge)
c) Home Nursing Care (up to 180 days per lifetime)
d) Day Surgery
e) Cancer Treatment
As Charged As Charged
Well-Being Benefit1 (RM) 5,000 10,000
Overall Annual Limit (RM) 200,000 400,000
Lifetime Limit (RM) 2,000,000 4,000,000

Notes:

1If surgery for a covered illness is done in Malaysia instead of overseas, then Well-Being Benefit will be payable for every hospitalisation and surgery done in Malaysia for the 5 covered illnesses. Once you have claimed the Well-Being Benefit, you shall no longer be entitled to claim other benefits (i.e. Hospital & Surgical Benefits and Outpatient Treatment Benefits) for that particular covered illness. For surgeries that fall under two or more categories of covered illness, Well-Being Benefit will be paid once for each hospitalisation. Any claim on this benefit will reduce the Overall Annual Limit and Lifetime Limit.

Note: We shall only reimburse on Reasonable and Customary Charges on eligible expenses which are deemed Medically Necessary. The reimbursement for the charges incurred for a covered illness shall be based on the Reasonable and Customary Charges in Malaysia or one of the specified countries, and not subject to 90 days residence limit.

 

Cost of Insurance Charges

Please click here for 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 

*PRUMedic Overseas can be purchased at pre-natal level in which the waiting period will be calculated starting from the actual date of birth of the child.

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’ and ‘Medical & Health 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 period under the policy.
  • 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.

 

Enrolment

Visit any UOBM Branch nearest to you.