PRUMILLION MED and PRUMILLION MED BOOSTER

    Overview

    Introduction

    PRUMillion Med and PRUMillion Med Booster are optional medical riders attachable to a regular premium investment-linked insurance plan. PRUMillion Med is a comprehensive medical plan with high annual limit and no lifetime limit. PRUMillion Med can be enhanced with PRUMillion Med Booster to enjoy higher medical coverage, extensive hospitalisation care and even be rewarded with No Claims Benefits for preventive care. These plans aim to provide customers peace of mind.

    PRUMillion Med and PRUMillion Med Booster are fixed plan structure based on the table of benefits shown below, where customers have the flexibility to choose 1 out of 5 pre-packaged plans being offered.

    Besides that, dengue is a very common disease in Malaysia. This plan covers outpatient dengue fever treatment benefit, where it reimburses Reasonable and Customary Charges incurred for medically necessary outpatient treatment of dengue fever performed at a registered clinic or hospital.

    Benefits

    PRUMillion Med is a unit deducting rider that reimburses medical expenses incurred in the event of hospitalisation and for outpatient treatment. Its design with high annual limit, no lifetime limit and various Med Saver options enables customers to get a comprehensive medical coverage while enjoying great value.

    PRUMillion Med Booster is a rider attachable to PRUMillion Med, which comes with a guaranteed auto-increasing annual limit every policy year. This rider complements the benefits of PRUMillion Med and provides No Claims Benefit.

    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) or 20 years (where applicable)
    Age of Entry Pre-birth: After 13 weeks into pregnancy*
    Post-birth: 1-70ANB
    Optional Benefits That Can Be Bought With This Plan PRUMedic Overseas
    Basic Plans That Can Attach This Rider PRULink Cover (This is an insurance product)

    *PRUMillion Med and PRUMillion Med with PRUMillion Med Booster 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 with PRUMillion Med Booster PRUMillion Med
    Plan 200 (RM) Plan 250 (RM) Plan 300 (RM) Plan 400 (RM) Plan 500 (RM) Plan 200 (RM) Plan 250 (RM) Plan 300 (RM) Plan 400 (RM) Plan 500 (RM)
    Room & Board Benefits
    a) Hospital Daily Room & Board (R&B) 200 250 300 400 500 200 250 300 400 500
    Per day (RM)
    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 120 days per year)

    c) In-hospital & Related Services

    • Surgical Benefit
    • Hospital Supplies and Services
    • Operating Theatre
    • 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 60 days before hospitalization)

    f) Post-hospitalisation Treatment

    • Non-Serious Condition
    		 As charged1
    (Within 90 days after hospital discharge)

     

    As charged1
    (Within 90 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 As charged1
    (Including take home drugs, examination tests & consultation)    		 As charged1
    (Including take home drugs, examination tests & consultation)
    i) Outpatient Kidney Dialysis
    j) Outpatient Physiotherapy Treatment
    6,000 8,000 10,000 12,000 14,000 6,000 8,000 10,000 12,000 14,000
    (Per year, within 90 days after hospital discharge) (Per year, within 90 days after hospital discharge)
    k) Outpatient Physiotherapy Treatment – Serious Condition

    Within 90 days after hospital
    discharge: Any amount in excess of benefit (j) per year

    91st day to 365th day after hospital discharge: As Charged1    		 None
    l) Home Nursing Care
    (up to 180 days per lifetime)
    4,000 5,000 6,000 8,000 10,000 4,000 5,000 6,000 8,000 10,000
    Plus any amount in excess of above mentioned amount per confinement (subject to a maximum of 20 days per confinement)
    m) Outpatient Dengue Fever Treatment Benefit
    (per diagnosis)    		 2,000 2,500 3,000 4,000 5,000 2,000 2,500 3,000 4,000 5,000
    Other Benefits
    n) Intraocular Lens Up to 6,000 per lifetime Up to 6,000 per lifetime
    o) Emergency Treatment For Accidental Injury 4,000 5,000 6,000 8,000 10,000 4,000 5,000 6,000 8,000 10,000
    p) Maternity Complications Benefit As charged1 None
    Med Saver2 300;
    1,000;
    3,000;
    5,000; or
    10,000.
    Overall Annual Limit
    1.48 mil 1.78 mil 1.93 mil 2.03 mil 2.13 mil 1.38 mil 1.68 mil 1.78 mil 1.88 mil 1.98 mil
    Increases by 100,000 every year

    Increases by 150,000 every year
    Lifetime Limit None None
    No Claims Benefit* - Preventive Care 500 per year 1,000 per year None
    Emergency Medical Assistance3 Yes Yes
    Expert Medical Opinion3,4 Yes Yes

    Notes:

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

    2You 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, and Emergency Treatment For Accidental Injury (excluding the cost of Hospital Daily Room & Board and Intraocular Lens) for any one disability.

    3Emergency 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.

    4Expert Medical Opinion is a value added service that provides second medical opinion from medical experts in various area of specialization. This service is to assist you to learn more about your medical conditions and make an informed decision on the treatment plans.

    *If no claim has been incurred during the preceding year.

    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 with selected optional riders including PRUMillion Med with PRUMillion Med Booster.

    Cost of Insurance Charges

    Please click below for full cost of insurance charges.

    Exclusions

    Please click below for the exclusion lists.

    Eligibility

    Age of Entry:
    13 gestational weeks till ANB 70*

    * PRUMillion Med and PRUMillion Med with PRUMillion Med Booster 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). 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).