PRUHEALTH

WHAT IS PRUHEALTH

PRUhealth is a regular premium medical rider plan that reimburses medical expenses incurred in the event of hospitalisation. Not only does this plan reward policyholders with No Claims Bonus (NCB) for those who do not make any claims for the year, you now have the option to choose the level of deductible (the fixed amount you must pay out of the total medical fees, excluding cost of daily room & board, for any one disability during a 90-day period) of RM3,000 or RM10,000 other than the default coinsurance option.

HOW CAN I TAKE UP PRU health ?

You can take up PRUhealth when you purchase PRUlink one or PRUmy child policies. HOW WILL THE NO CLAIMS BONUS (NCB) BENEFIT ME? If you do not make any claims for the year, Prudential will reward you with No Claims Bonus (NCB) by purchasing additional units for your investment in the following year. The amount of bonus paid depends on the plan that you have chosen.Once you make a claim,you will not receive any bonus in the following year. However, you will receive the bonus for subsequent years as long as no claims are made. An example of the bonus mechanism, for a 30-year old male policyholder with a PRUhealth 200 plan, expiring at age 70 and pays an annual premium of RM1,032: overseas ?

If you receive medical treatment overseas under your PRUhealth plan, the benefits are 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. However, the 90 days restriction on overseas residence will not be applicable to PRUmedic overseas when attached to yourPRUhealth plan. Reimbursement of medical expenses shall also be based on the reasonable and customary charges of the country of treatment. This plan is for people aged between 1 – 70 years old next birthday who want a plan that takes care of their medical expenses AND rewards them for staying healthy. With additional premium and underwriting, you can now enhance the coverage of your

PRUhealth plan with:

a) PRUannual limit waiver – the rider plan that allows you to make claims higher than your annual limit by waiving the annual limit of your PRUhealth plan. This will ensure that you are safeguarded against any unexpected large medical claims within a policy year. PRUannual limit waiver can only be attached toPRUhealth 200, 300 and 400 plans (subject to additional premium). When PRUannual limit waiver is attached, claim amounts exceeding the annual limit will be subjected to a coinsurance amount of 10% on total claims (excluding cost of daily room & board).

b) PRUmedic overseas - have the option to seek overseas medical treatment or advice in China, Hong Kong or Singapore for the following covered conditions:

• Surgery related to cancer

• Neurosurgery

Coronary artery bypass surgery

• Heart valve surgery

• Organ transplant (kidney, lung, liver, heart, pancreas 

 and bone marrow transplant)

In the event of a covered condition, if you choose to be hospitalised and undergo surgery in Malaysia instead of overseas due to reasons such as family or immobility, a Well-Being Benefit will be payable per admission for every surgery. Policyholders who claim Well-Being Benefit are no longer eligible to reimburse claims for Hospital & Surgical Benefits and Out-patient Treatment Benefits for that particular covered condition. Instead, you may claim Well-Being Benefit for multiple admissions for surgery on covered conditions in Malaysia, and claim for local medical treatment under PRUhealth based on reasonable and customary charges.