Fintant - PRUHealth

PRUHealth

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.

Eligibility

Malaysian, Permanent Resident of Malaysia

# of Panel Hospitals

Maximum age of entry

70 age

Maximum age of renewal

99 age

Guaranteed Renewal

The insurance company must offer to renew your policy as long as you continue to pay premiums.

Co-insurance

Co-insurance is the percentage amount paid out of pocket by you before and insurance provider will pay any expenses. If the medical bill is RM100,000, coinsurance is 10%, you have to pay the first 10%, that is RM10,000 out of the total medical bill and the insurance provider will pay RM90,000.

Deductible

Deductible is the fixed amount paid out of pocket by you before an insurance provider will pay any expenses. If the medical bill is RM100,000, deductible is RM1000, you have to pay the first RM1000 out of the total medical bill and the insurance provider will pay RM99,000.

Calculation Table

Price shown depends on Insured’s age at their next birthday.

Age:

Male Female

Benefits	Room 100	Room 150	Room 200	Room 300	Room 400

Annual Premium	/y	/y	/y	/y	/y
Room & Board	100	150	200	300	400
Increase to the Hospital R&B Limit
Overall Annual Limit	RM50,000	RM62,500	RM75,000	RM100,000	RM150,000
Lifetime Limit	RM520,000	RM650,000	RM780,000	RM1,040,000	RM1,560,000
Coinsurance
Deductible per Disability
Pre-Hospitalisation	30 days	30 days	30 days	30 days	30 days
Hospitalisation	120 days, ICU 30 days	120 days, ICU 30 days	120 days, ICU 30 days	120 days, ICU 30 days	120 days, ICU 30 days
Post-Hospitalisation	90 days	90 days	90 days	90 days	90 days
Second Medical Opinion
Intraocular Lens
Accidental Outpatient Treatment Benefits	RM1,000	RM1,500	RM2,000	RM3,000	RM4,000
Outpatient Physiotherapy Treatment
Outpatient MRI/PET scan
Outpatient Dengue & Zika
Outpatient Cancer Treatment
Outpatient Kidney Dialysis Treatment
Outpatient Stroke Treatment
Traditional Chinese Medicine & Chiropractic Treatment
Medical Report Fees Reimbursement
Genomic Test for Cancer
No Claim Discount
Non Medical Related Expenses
Critical Illness Coverage Rider	Optional	Optional	Optional	Optional	Optional
Waiver Rider	Optional	Optional	Optional	Optional	Optional
Government Daily Allowance
Daily Cash due to Road Accident on Highway

PRUHealth

Eligibility

# of Panel Hospitals

Maximum age of entry

Maximum age of renewal

Guaranteed Renewal

Co-insurance

Deductible

Calculation Table

Contact Address

Category

Company

Info