PRUMILLION MED ACTIVE and PRUMILLION MED 2.0

    Overview

    Introduction

    PRUMillion Med Active and PRUMillion Med 2.0 are optional medical riders attachable to a regular premium investment-linked insurance plan. These riders are comprehensive medical plans with high annual limits and no lifetime limit. They are designed with their own unique propositions to suit your lifestyle and protection needs.

      PRUMillion Med Active

    Be in Control.
    Pay less when you claim less.    		 PRUMillion Med 2.0

    Be at Ease.
    High annual coverage with no lifetime limit.
    Discount upon policy inception ✔
    Up to 15% off your medical insurance charges    		 ✘
    Active Pricing ✔
    Premiums will be based on previous claims made.    		 ✘


    You can further enhance your medical protection by adding on Active Booster or PRUMillion Med Booster 2.0 to boost your coverage with increased annual limit1, broader hospitalisation care, coverage on maternity complications and be rewarded with No Claims Benefit for preventive care.

    1No annual limit when coinsurance and PRUMillion Med Active with Active Booster are selected.


    What is Active Pricing?

    Active Pricing is a unique feature of PRUMillion Med Active where a discount or an additional charge will be applied to the Base Level Insurance Charges, subject to the terms and conditions. You will receive discount on the Base Level Insurance Charges from the effective date of the policy and continue to enjoy it as long as no claim is made. You will need to pay temporary additional premiums (“Active Premium”) to cover the higher Insurance Charges when a claim is made and approved, subject to the terms and conditions. The Active Premiums payable (if any) will be 95% allocated into Basic Unit Account of your policy. Any unallocated amount will be used to pay commissions and other expenses of the insurance company. 3.75% of Active Premium will be deducted for commission (payable from unallocated premium).

    Please refer to the Product Illustration and policy contract for more details on Active Pricing and its terms and conditions.


    How does Active Pricing work?

    Sam, an Assistant Manager, aged 40, purchases PRUMillion Med Active medical plan. With Active Pricing, Sam pays less premiums when he claims less. Sam will enjoy a 15% discount on the medical insurance charges, paying only RM367 per month throughout the policy tenure if there are no claims made and approved.


    Scenario 1: In the event Sam makes successful claims in Year 7 with less than RM5,000:

    scenario 1

     

    Scenario 2: In the event Sam makes successful claims in Year 3 with RM5,000 or higher:

    scenario 1

     

    The scenarios above assume a male, aged 40, non-smoker, occupation class 1 purchases a PRULink Cover policy with Target Sustainability Option of age 80, 100% equity fund, with monthly premium payment through credit card. He selected Basic Sum Assured RM10,000, PRUMillion Med Active R&B200 with deductible of RM500 and Active Booster.

    The case scenario is for illustrative purposes only. The diagram shown is not drawn to scale and is intended for illustrative purposes only.

     

    Benefits

    PRUMillion Med Active and PRUMillion Med 2.0 are unit-deducting riders that are attachable to a regular premium investment-linked insurance plan. Both have high annual limits ranging from RM2.0 mil to RM8.0 mil, and no lifetime limit.

    PRUMillion Med Active/ PRUMillion Med 2.0 and PRUMillion Med Active with Active Booster/ PRUMillion Med 2.0 with PRUMillion Med Booster 2.0 are fixed plan structures based on the table of benefits shown below, where customers have the flexibility to choose from the plans being offered.

    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, 100 next birthday (ANB) or 20 years (where applicable)
    Age of Entry Pre-birth: After 13 weeks into pregnancy*
    Post-birth: 1-70ANB
    Basic Plans That Can Attach This Rider PRULink Cover (This is an insurance product)

    *PRUMillion Med Active/PRUMillion Med 2.0 and PRUMillion Med Active with Active Booster/PRUMillion Med 2.0 with PRUMillion Med Booster 2.0 can be purchased at pre-natal stage (13 gestational weeks) in which the waiting period will be calculated starting from the actual date of birth of the child.

    Benefits Table

    Benefits Benefit Amount
      PRUMillion Med Active with Active Booster
    PRUMillion Med 2.0 with PRUMillion Med Booster 2.0    		 PRUMillion Med Active
    PRU    Million Med 2.0
    Plan 200 (RM) Plan 300 (RM) Plan 400 (RM) Plan 200 (RM) Plan 300 (RM) Plan 400 (RM)
    Room & Board Benefits
    a) Hospital Daily Room & Board (R&B) 200 300 400 200 300 400
    Per day
    NO MAXIMUM number of days per year Up to 150 days per year
    Hospital & Surgical Benefits
    b) Intensive Care Unit / Cardiac Care Unit As Charged1
    (NO MAXIMUM number of days per year)    		 As Charged1
    (Up to 150 days per year)

    c) In-hospital & Related Services

    • Surgical Fees
    • Hospital Supplies and Services
    • Operating Theatre Fees
    • Anaesthetist Fees
    • In-hospital Specialist’s Visit
      (limit to 2 visits per day)
    		 As Charged1 As Charged1

    d) Organ / Bone Marrow Transplant

    		 As Charged1
    (NO LIMIT per lifetime)    		 As Charged1
    (Once per lifetime)
    Outpatient Treatment Benefits

    e) Pre-hospitalisation Treatment

    		 As Charged1
    (Within 90 days before hospitalization)    		 As Charged1
    (Within 90 days before hospitalization)

    f) Post-hospitalisation Treatment

    • Non-Serious Condition
    		 As Charged1
    (Within 180 days after hospital discharge)

    As Charged1
    (Within 180 days after hospital discharge)
    • Serious Condition
    		 As Charged1
    (Within 365 days after hospital discharge)
    g) Day Surgery / Day Care Procedure As Charged1 As Charged1
    h) Outpatient Cancer Treatment (Including cancer remission coverage up to 5 years) As Charged1 As Charged1
    i) Outpatient Kidney Dialysis As Charged1 As Charged1
    j) Outpatient Rehabilitation Treatment
    • Physiotherapy Treatment
    • Alternative Treatment2
    		 Non-Serious Condition:
    Combined limit subject to 6,000/ 10,000/ 12,000 per year, within 180 days after hospital discharge
    • Physiotherapy: As Charged
    • Alternative treatment: Up to 1,500 per year
    		 Combined limit subject to 6,000/ 10,000/ 12,000 per year, within 180 days after hospital discharge
    • Physiotherapy: As Charged
    • Alternative treatment: Up to 1,500 per year
    Serious Condition:
    As Charged1, within 365 days after hospital discharge
    • Physiotherapy: As Charged
    • Alternative treatment: Up to 1,500 per year
    k) Home Nursing Care 8,000 12,000 16,000 4,000 6,000 8,000
    Per confinement
    (200 days per lifetime)
    l) Outpatient Illness Treatment
    • Bronchitis
    • Dengue Fever
    • Influenza
    • Pneumonia
    		 2,000 3,000 4,000 2,000 3,000 4,000
    Per diagnosis
    Other Benefits
    m) Intraocular Lens Up to 8,000 per lifetime, including multifocal lenses
    n) Emergency Treatment For Accidental Injury

    Outpatient Emergency Accidental Treatment / Outpatient Emergency Dental Treatment:
    As Charged1

    (within 48 hours and up to 30 days for Follow-up Treatment)
    o) Maternity Complications Benefit As Charged1 Not Applicable
    Coinsurance3 / Deductible4 Coinsurance (PRUMillion Med Active only): 10%, minimum 500 and maximum 20,000
    Deductible Options: 500/ 1,000/ 5,000/ 10,000
    Overall Annual Limit No Annual Limit
    if Coinsurance is chosen
    (PRUMillion Med Active only)    		 2,000,000 5,000,000 8,000,000
    12,000,000 15,000,000 18,000,000
    if Deductible option is chosen
    Lifetime Limit Not Applicable Not Applicable
    No Claims Benefit - Preventive Care 500 per year 1,000 per year Not Applicable
    Services listed below shall be reimbursed up to the limit stated above provided that no claim has been incurred during the preceding year:
    • Medical Check Up
    • Vaccination
    • Diagnostic Test
    • Subscription Programs
    Emergency Medical Assistance5 Yes
    Expert Medical Opinion5,6 Yes

    Notes:

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

    2 Only applicable to Plan 300 and above.

    3 With the exception to the claims under No Claims Benefit, Hospital Daily Room & Board Benefit, Emergency Treatment for Accidental Injury Benefit, Outpatient Cancer Treatment Benefit, Outpatient Kidney Dialysis Benefit or Treatment sought at a Government Healthcare Facility, policyholder must first pay a fixed amount equivalent to the 10% of the total Reasonable and Customary Charges of eligible benefits, subject to minimum of RM500 and maximum of RM20,000. We reserve the right to revise the minimum and maximum coinsurance amount at policy anniversary, by giving 30-day notice.

    4 With the exception to the claims under No Claims Benefit, Emergency Treatment for Accidental Injury Benefit, Outpatient Cancer Treatment Benefit, Outpatient Kidney Dialysis Benefit or Treatment sought at a Government Healthcare Facility, policyholder must first pay a fixed amount equivalent to the Deductible selected out of the total Reasonable and Customary Charges of accumulated eligible benefits within an annexure year.

    5 Emergency 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 these services by giving 90 days’ written notice.

    6 Expert Medical Opinion is a value-added service that provides second medical opinion from medical experts in various areas of specialisation. This service is to assist you to learn more about your medical conditions and make an informed decision on the treatment plans.

    For Overseas Treatment, if you choose to have or if you have been referred to be treated outside Malaysia, the benefits for the treatment are limited to the reasonable and customary medically necessary charges for equivalent local treatment in Malaysia. We shall not pay any benefit if the Life Assured remains outside of Malaysia, apart from Singapore and Brunei, for more than 90 days on each trip.

    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 with selected optional riders, which are PRUMillion Med Active with Active Booster or PRUMillion Med 2.0 with PRUMillion Med Booster 2.0.

     

    Cost of Insurance Charges

    Please click below for full cost of insurance charges.

    Exclusions

    Please click below for the exclusion lists.

    1. PRUMillion Med Active & PRUMillion Med 2.0 Exclusion
    2. PRUMillion Med Active with Active Booster & PRUMillion Med 2.0 with PRUMillion Med Booster 2.0 Exclusion

    Eligibility

    Age of Entry:
    13 gestational weeks till ANB 70*

    * PRUMillion Med Active with Active Booster and PRUMillion Med 2.0 with PRUMillion Med Booster 2.0 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 UOB Malaysia Branch nearest to you.

    Disclaimer

    Underwritten by:

    Prudential

    The above plans are underwritten by Prudential Assurance Malaysia Berhad 198301012262 (107655-U) and distributed by United Overseas Bank (Malaysia) Bhd 199301017069 (271809-K). All claims and liabilities arising from the policies should be made with the company.

    Prudential Assurance Malaysia Berhad is a licensed insurance company and is regulated by Bank Negara Malaysia. Prudential Assurance Malaysia Berhad is responsible for the products and benefits offered by them, as well as any representation made in any of their marketing materials including United Overseas Bank (Malaysia) Bhd’s marketing material for the products offered by Prudential Assurance Malaysia Berhad.

    This content contains only a brief description of the product and is not exhaustive. You are advised to visit any of our branches and to refer to Product Brochure, Product Disclosure Sheet, Product/Sales Illustration and Fund Fact Sheet(s) (if any) before purchasing a policy, and to refer to the terms and conditions in the policy contract for details of the features and benefits under the policy.

    Buying life insurance policy is a long-term financial commitment. You should assess the affordability and suitability of the product (including supplementary benefits) that best suits your personal circumstances in relation to your financial goals and risk appetite. To achieve that, we recommend that you speak to your Prudential Representative or UOB Malaysia representative who will perform a needs analysis and assist you in making an informed decision.

    PROTECTION BY PERBADANAN INSURANS DEPOSIT MALAYSIA (“PIDM”) ON BENEFITS PAYABLE FROM THE UNIT PORTION OF THIS CERTIFICATE/POLICY IS(ARE) SUBJECT TO LIMITATIONS. Please refer to PIDM’s Takaful and Insurance Benefits Protection System (“TIPS”) Brochure or contact Prudential Assurance Malaysia Berhad or PIDM (visit www.pidm.gov.my).