PRUHealth

PRUHealth

Overview

PRUHealth is an optional medical rider that can be attached to regular premium investment-linked insurance plan that gives you bonuses when you are healthy and takes care of your medical bills when you are not.

Benefits

Customised Plans

Customised Plans

Enjoy greater control with flexible options such as Med Saver and Co-insurance plans, designed to meet your healthcare preferences.

Hospitalisation Benefits

Hospitalisation Benefits

Get comprehensive coverage for ICU, surgical procedures and in-hospital related services.

Outpatient Support Beyond Your Hospital Stay

Outpatient Support Beyond Your Hospital Stay

Get coverage for follow-up care, home nursing care, cancer treatment and kidney dialysis.

Get Rewarded for Staying Healthy

Get Rewarded for Staying Healthy

Receive a yearly no claim bonus when
no claims are made.

Benefit Tables

Eligibility
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Outbound Coverage Table Outbound Coverage Table

 

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

2 If 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.

3 If 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.

4 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 this service by giving a 90 days written notice.

Notes:
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.

Medical Plus Solution is a package offered using PRULink Cover as the basic plan with selected optional riders including PRUValue Med with PRUValue Med Booster.

More Information

  • Features
  • Details
Features Details
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
Basic Plans That Can Attach This Rider PRULink Cover (This is an insurance product)
Features
Payment Term
Coverage Term
Age of Entry
Basic Plans That Can Attach This Rider

* PRUHealth can be purchased at pre-natal stage (13 weeks into pregnancy) in which the waiting period will be calculated from the actual date of birth of the child.

Cost of insurance charges
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Click here to view the full cost of insurance charges.

Click here to view the exclusion lists.

Protect yourself with PRUHealth and enjoy rewards for staying healthy

Protect yourself with PRUHealth and enjoy rewards for staying healthy

Disclaimer
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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).