SmartMedic Million + Smart Million Extender + Smart Million Plus is a enhanced version of SmartMedic Million and it is suitable for people who is looking for full medical coverage with stable price for the whole life. It comes with high annual limit, unlimited lifetime limit, auto increase of hospital room & board, no deductible, no coinsurance and 200 days of post-hospitalization.
PRUMillion Med is suitable for people who looking for medical coverage with stable price for the whole life. It comes with high annual limit and unlimited lifetime medical coverage, no coinsurance but with RM300 optional deductible. Deductible RM300 means you have to pay for the first RM300 medical bill before the insurance company pay the rest of the bill.
PRUHealth is suitable for people who looking for medical coverage with stable price for the whole life. It comes with low annual limit and low lifetime medical coverage, optional coinsurance and optional RM3,000/RM10,000 optional deductible. Coinsurance 10%(min RM300, max RM1,000) means you have to pay 10% out of the total bill before Prudential pay the rest of the medical bill. Deductible RM3,000 means you have to pay for the first RM3,000 medical bill before the insurance company pay the rest of the bill.
PRUValue Med is suitable for people who looking for medical coverage with stable price for the whole life. It comes with optional deductible and Med Value Point of RM1million to RM2million and Prudential still cover 80% of your eligible claims beyond that. Deductible RM300 means you have to pay for the first RM300 medical bill before the insurance company pay the rest of the bill.
SmartCare Optimum Plus is suitable for people who looking for full medical coverage with low price initially, but the premium will increase over the age. It comes with high range of benefits. From a full refund on in-patient and day surgery costs to high benefits for various out-patient treatments. When it comes to medical coverage, SmartCare Optimum is just what the doctor ordered.
Manulife Health Saver Benefit provides you and your family with comprehensive hospitalisation coverage, including Traditional Chinese Medicine and Chiropractic Treatment. You will also receive a 30% discount on your insurance charges the moment you sign up. Furthermore, you are eligible for a 40% discount on your insurance charges the following year if no claims are made during the year.
