PRUDENTIAL ASSURANCE MALAYSIA BERHAD

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Often, it is during your golden years when you realise that your one-size-fits-all company medical plan is just not comprehensive enough for your needs.

PRUsenior med is a unique term life policy that gives you comprehensive protection against those infrequent but financially crippling hospital bills you may face in your senior years.

And unlike any other medical insurance offered in the market today, this unique plan can be taken up at anytime between the ages of 45 and 70.

So even if you are 69 years old today, it’s still not too late to take up a plan that helps take care of your major hospital expenses, up till age 80.


	What do I get? PRUsenior med takes care of a whole host of medical costs beyond just hospital room & board. These include ICU charges, surgery fees, anesthetist fees, home-nursing costs, outpatient kidney dialysis bills, and outpatient cancer treatment bills. To help take care of those large medical bills, we've raised the bar on the lifetime benefit limit that you receive to RM225,000 per lifetime. PRUsenior med gives you: A choice of two plans, depending on the minimum co-insurance amount you wish to pay. Plan 1 offers a minimum co-insurance of RM3,000 and Plan 2 offers a minimum co-insurance of RM6,000 Reimbursements on: Hospital room & board, up to 120 days. Intensive Care Unit charges, surgical fees, anesthetist fees and in-hospital services. For this, you will pay a co-insurance amount of 10% on your expenses, and we pay the rest, or you pay the minimum co-insurance based on the plan you choose, whichever is higher. Pre-hospitalisation consultations and tests, and post-hospitalisation treatment and prescription following discharge (all subject to a 10% co-insurance). Home nursing care, day surgery, outpatient cancer treatment, and outpatient kidney dialysis (all subject to a 10% co-insurance). Death benefit – RM5,000 is paid upon death as a compassionate allowance Cash value – a plan with a term of 20 years or more will accumulate cash value after 3 years of premiums have been paid. You can take up this plan anytime between 45 and 70 years old. PRUsenior med protects you up till age 80. How much do I pay? The premiums on PRUsenior med will depend on your age, gender, and the plan you choose. For example, if you are 45 year old male, the annual premium you will pay on Plan 1 is RM1,819. If you choose Plan 2, your premium will be RM1,412 every year. Who can sign up? This plan is available to anyone between 45 and 70 years old (at age next birthday). To find out more You can contact your Prudential representative for details on this plan and to obtain a free consultation on your insurance needs. Alternatively, you can obtain an agent referral online or call us at 03-2116 0228 and we will assign a representative to contact you.