What is PRUhealth ?

PRUhealth is a NEW medical plan from Prudential.



It is the First Medical Card in Malaysia that you both when you are sick and gives you a Non Claim Bonus (NCB)  when you are Healthy.

 
The key features of the plan is that 

• It gives you a Non Claim Bonus for every year that there is no claim (up till RM500 per year)                                             
  
• Pays your medical bills when you are not
• For those who want a longer coverage. You can choose to have GUARANTEED Renewal till age 70, 80 and 100.
• An option to Waive the Annual Limit of the Plan
• Affordable from RM 100 per month for age 18 and above. RM 50 for children .
  

Why PRUhealth so special? 

PRUhealth is the first and currently the only medical plan in Malaysia that rewards you when you don't make a claim.
 

Many Malaysians including myself never used our personal medical card because we were careful to avoid illness or accidents. We make an effort to "Stay Fit and Healthy". In the other insurance health plan, we have been paying premiums without getting any benefits.


 There are also many Malaysians who when hospitalized will use their existing company/employee group insurance. Since most medical bills cannot be paid twice, we cannot benefit from our personal medical card.


Now with PRUhealth, you can get a Non Claim Bonus for every year that you don't make a claim on your PRUhealth card.

PRUHealth Coverage Plans

PRUHealth comes with in five plans to cater for your budget and desired protection. 

For Adults:-  PRUHealth 100 gives you a coverage of RM500,000 for a premium starting as low as RM100 per month.

For Children:- PRUHealth gives you a coverage of RM500,000 for a premium starting as low as RM60 per month.


This allows you to be treated by some of the best doctors both government and private without having to worry about the expensive cost

Some of just a few of our panel hospitals. Click here for Completed List

Our most comprehensive plan PRUHealth 400 on the other hand covers medical coverage till RM1,500,000.00 !!


The complete table of the plan can be shown as below :-

 

With PRUHealth as your medical card, you can be can be sure of easy hospital admission. Just present the PRUHealth medical card upon hospital admission.

PRUHealth covers comprehensively the hospital bill which will include:-

a)    Doctor Consultation Fee
b)    Surgical Costs (minor and major)
c)    Medicine
d)    ICU
e)    Room Fee
f)     Pre-Hospitalization
g)    Post-Hospitalization
h)    Day Surgery Benefit
i)     Cancer Treatment
j)     Kidney Dialysis
k)    International Coverage

If you need a quotation based on your age and working occupation OR a detailed explanation kindly email me at derek.pru@gmail.com or call 017 8838 268.

Panel Hospitals and What we Cover ?

PRUHealth can be used in all hospitals private and public hospitals. 

We cover the in-hospital related services fee (room, doctors consultation, lab charges, nurse, medication, etc.) as well as the pre-hospitalization charges (30 days)  and post-hospitalization charges (90 days) .


With our hospitals alliance services, over 60+ private hospitals are our panels where you need to just pay a samll refundable-deposit usually around RM200 just for admission. We will then settle the bill accordingly directly with the hospital. No need for you to pay first and then claim back.

This panel hospitals are throughout Malaysia. For a complete list please email me at derek.pru@gmail.com


Only for non-panel hospitals, should the customer need to pay first and then claim later.

How does Prudential pay the Annual Claim Bonus ?

By default, the PRUHealth annual Non Claim Bonus (NCB) will be paid at every anniversary of the policy start date.


The full NCB amount will be deposited into your Investment Unit Account (IUA). You can have a choice of  leaving it in the IUA to be invested (gaining attractive compounded returns that can be cashed out later) OR withdraw for any purpose. For withdrawal allow up to 3 working days to get the cheque.

Note: There is no service tax or charges imposed by Prudential on the NCB amount

Taxation Relief for Medical Insurance PRUhealth

Malaysia Taxation System allows for various tax relief.

For Insurance policies it is broken into two different Relief


Relief Category 1:  is maximum deduction of RM6,000 for life insurance premium and contribution to approved pension and provident funds.

Relief Category 2: is a maximum deduction of RM3,000 for premiums paid for education and medical insurance.


Your insurance provider will break down the contribution on whcih belongs to Relief A and which belongs to Relief B.

A statement is usually sent to you around the month of March with the exact break down and also the amount for each category

If you are a Prudential policy holder and did not receive your tax relief statement kindly call me at 017 8838 268 or email me at derek.pru@gmail.com
 

PRUHealth worldwide coverage overseas

PRUHealth covers you 24x7 when you are travelling overseas. Prudential has tied with International SOS to ensure that you have access to the best medical coverage overseas. Simply call the 24 hour Hotline number 603 2711 9599 (reverse charge) toll-free number and you will have access to Travel Assistance, Telephone Medical Advise, Arrangement of Dr's Appointment. and many more services


The cost will be reimbursed to you when you return back to Malaysia. Note we cannot cover you overseas if you are outside Malaysia for more than 90 days consecutively.

PRUhealth Waiting Period

When your agent submits your proposal it will usually take 1-2 working days for the policy approved (provided there is no medical requirements and that the credit card can be deducted)

Upon Policy Approval -> PRUHealth can cover ACCIDENT related admission

Normal sickness -> After 30 days from the time the policy is approved. Note: you need to pay first and then claim later. See below

Hospital Admission Service (HAS) -> HAS means that the medical card is "online" meaning you don't have to pay first and then claim later when hospitalized.  This takes place around 90 days from the policy approval.


7 Specified Illness please wait 120 days from policy approval for coverage to be effective
Stones in the urinary and biliary systems,
Hypertension or cardiovascular diseases (except heart attack),
Diabetes mellitus,
All tumors, cysts, polyps or cancer,
Surgery of the sinus, nasal septum or tonsils, Hernias, haemorrhoids or fistulae, Endometriosis or dysfunctional uterine bleeding.

Waiting Period is not to make our clients suffer but more of a Bank Negara Guideline to protect insurance company from fraud cases. "Already sick then want to buy to claim cases" 

Unsure what this all means please email me or sms me

PRU Health Covers H1N1

Prudential Malaysia has clarified in "Black and White" that all its medical plans PRU Health , Major Med and PruBSN Medical Card will be covering H1N1.

I initially was confused as I thought that all insurance companies hospital insurance should  cover H1N1. However it seems that some companies carry an exclusion clause on "communicable diseases requiring quarantine".

Don't worry on 22nd August 2009 The Star Newspaper Frontpage said that all 16 companies under the Life Association of Malaysia (LIAM) will cover hospitalisation and death from A(H1N1).

http://thestar.com.my/news/story.asp?file=/2009/8/22/nation/4571948&sec=nation