PRUMillion Med

Overview

Introduction

PRUMillion Med is an optional medical rider attachable to a regular premium investment-linked insurance plan. It is a comprehensive medical plan giving flexibility to choose 1 out of 5 pre-packaged plans with high annual limit and no lifetime limit. This plan aims to provide customers peace of mind.

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 an optional medical 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 Med Saver RM300 enables customers to get a comprehensive medical coverage while enjoying great value.

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
Optional Benefits That Can Be Bought With This Plan PRUMedic Overseas
Basic Plans That Can Attach This Rider PRULink Cover

*PRUMillion Med can be purchased at pre-natal stage (14 gestational weeks) in which the waiting period will be calculated starting from the actual date of birth of the child.

 

Benefits Table

Plan Benefit Amount
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)
(up to 120 days per year)
200 250 300 400 500
Hospital & Surgical Benefits
b) Intensive Care Unit / Cardiac Care Unit
(up to 120 days per year)
As Charged1
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)
d) Organ / Bone Marrow Transplant
Outpatient Treatment Benefits

e) Pre-hospitalisation Treatment (within 60 days before hospitalization)
f) Post-hospitalisation Treatment (within 90 days after hospital discharge)
g) Day Surgery / Day Care Procedure

As Charged1
h) Outpatient Cancer Treatment
i) Outpatient Kidney Dialysis
As Charged1
(including take home drugs, examination tests & consultation)
j) Outpatient Physiotherapy Treatment
(per year, within 90 days after hospital discharge)
6,000 8,000 10,000 12,000 14,000
k) Home Nursing Care
(up to 180 days per lifetime)
4,000 5,000 6,000 8,000 10,000
l) Outpatient Dengue Fever Treatment Benefit
(per diagnosis)
2,000 2,500 3,000 4,000 5,000
Other Benefits
m) Intraocular Lens Up to 6,000 per lifetime
n) Emergency Treatment For Accidental Injury (per accident) 4,000 5,000 6,000 8,000 10,000
Med Saver2 300
Overall Annual Limit 1.38mil 1.68mil 1.78mil 1.88mil 1.98mil
Lifetime Limit None
Emergency Medical Assistance3 Yes
Expert Medical Opinion3,4 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 (i.e. RM300) 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.

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 PRUMillion Med as one of the medical riders that are selected for attachment.

 

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 

* PRUMillion Med 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.