Saturday, 17 September 2011


Health has its rewards.

A medical plan that rewards you for staying healthy.
COMPREHENSIVE coverage for hospitalisation and surgery bills
PRUhealth is a plan that provides COMPREHENSIVE medical coverage by reimbursing your medical expenses incurred in the event of hospitalisation. Get peace of mind when you need it the most!
An innovative medical plan that rewards you with annual bonuses of up to RM5001 when you do not make any claim for the year. Your bonuses will automatically be credited in the form of additional units to be invested into funds of your choice, thus increasing your investment value, or to be withdrawn+ should you have the need to.
In addition to comprehensive coverage for hospitalisation and surgical expenses under your PRUhealth plan, you now have the option of overseas medical treatment for 5 types of covered conditions in Singapore, Hong Kong and China with PRUmedic overseas.
CHOICE to CHANGE your coinsurance option
If you are thinking to enhance your existing medical plan coverage, you can also opt for PRUhealth with either RM3,000 or RM10,000 deductible. Include this with PRUmedic retirement benefit and it will automatically switch the deductible amount to coinsurance when you reach 55 years old next birthday. Not only will it make your plan more affordable, it also gives you coverage when you need it the most – your retirement.
Your PRUhealthplan will be upgraded to the next benefit level on the 5th and 10th year rider benefit anniversary regardless of your health condition and any previous medical claims you may have made when you take up PRUmedic auto upgrade. This upgrade will follow the policy terms and conditions at the start or as and when it is attached to your PRUhealth plan.
An option to WAIVE the annual claims limit*
Worried that your medical bills might surpass your annual limit? You are now given the flexibility to waive the annual limit of your plan by attaching an optional PRUannual limit waiver rider to your PRUhealth plan which enables you to make claims above your annual limit.
Note: This benefit is only available for PRUhealth 200, 300 and 400 plans and cannot co-exist with PRUmedic auto upgrade or when deductible is selected for PRUhealth. Total benefits payable cannot exceed your Lifetime Limit.
CHOICE OF PLANS to suit your budget
Depending on the type of plan you choose and your age, you have a choice of 5 different PRUhealth plans starting from as low as RM100 a month to suit your lifestyle and needs.
Coverage of up to age 1002
PRUhealth gives you the choice of protection through all stages in life by covering your medical bills even up to age 100!
+ Subject to a minimum of RM500 per transaction. If the value of funds is less than RM500, only complete withdrawal is allowed.
* Subject to underwriting, additional premium and policy terms & conditions.
1 Amount depends on type of plan chosen without PRUmedic auto upgrade attached.
2 Subject to policy terms and conditions of the basic plan to which PRUhealth is attached & subject to sufficient funds to deduct insurance and service charges from. 

Coinsurance is a cost-sharing arrangement under which the policyholder pays a specified percentage of the cost of an eligible benefit. If coinsurance is selected, policyholder 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 Benefit, and maximum coinsurance amount of RM2,000 for Outpatient Treatment Benefit. The coinsurance will be applicable for each bill. The remaining balance is paid by the Company up to the annual limit.
On the other hand, deductible is a fixed amount the policyholder must first pay regardless of the total cost of an eligible benefit (excluding cost of daily room & board) for any one disability during a 90-day period. If deductible of RM3,000 or RM10,000 is selected, policyholder will have to pay the first RM3,000 or RM10,000 of the total cost of an eligible benefit (excluding cost of daily room & board). The remaining balance is paid by the Company up to annual limit.

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