You can choose the plan that meets your personal needs.
* We reserve the right to revise the minimum co-insurance amount once every 12 months, by giving a 30-day written notice.
Note: Co-insurance is a cost-sharing arrangement under which the policyholder pays a specified percentage of the cost of an eligible benefit, subject to a minimum amount if applicable. The remaining balance is paid by the Company.
PRUsenior med pays Death Benefit should death occur. If death is due to suicide within the first year, all premiums paid are returned without interest.
Medical Care Benefits
Cover begins immediately on acceptance, for hospitalisation caused by accidents, but only begins 30 days after acceptance for any other cause.
Each claims reduces the Lifetime Limit. When the Lifetime Limit is exhausted, Death Benefit continues without payment of any further premiums.
WHAT IS PRUsenior med?
PRUsenior med is a regular premium level term medical plan. This policy offers insurance protection up to age 80 years old next birthday. It reimburses medical bills in the event of hospitalisation for surgeries and illnesses, subject to co-insurance of 10% or the affordable minimum co-insurance amount, whichever is higher.
PRUsenior med will ease your financial burden as it provides the following:
- Hospital and surgical coverage
- Affordable co-insurance amount
- Policy is guaranteed renewable - up to 80 years old next birthday
- Compassionate benefit RM5,000
- Affordable level premiums
- High entry age - up to age 70 years old next birthday
- Outpatient kidney dialysis and cancer treatment
HOW CAN I TAKE UP PRUsenior med?
You can take up PRUsenior med by paying the premiums if you are between the ages of 45 to 70 years of age on your next birthday.
HOW MUCH PREMIUM DO I NEED TO PAY?
The level of premium that you pay depends on your age, gender, the plan chosen and underwriting. You must inform us of any change in occupation, avocation or sports activities because it may affect the premiums, terms, conditions and benefits.
HOW DOES PRUsenior med PAY FOR OVERSEAS?
If you receive medical treatment overseas, the Medical Care Benefit is paid according to the costs of treatment that would be reasonably charged by a hospital in Malaysia. No benefit is paid if you reside overseas for more than 90 days per trip.