FAQ — ANSWERED FROM THE CATALOGUE

Every answer below is computed from the verified catalogue (last verified 2026-08-26). A superlative here is a query over our data, not an opinion — and every row links back to its source.

● WHICH CARDS HAVE NO LIFETIME LIMIT?

132 tiers in the catalogue state no lifetime limit (annual limit applies instead).

Health360 — Plan 200 (PruBSN)
Health360 — Plan 300 (PruBSN)
Health360 — Plan 400 (PruBSN)
Health360 — Plan 500 (PruBSN)
Health360 — Plan 1000 (PruBSN)
A-Plus Health 2 — Plan 200 (AIA)
A-Plus Health 2 — Plan 300 (AIA)
A-Plus Health 360 — Standard (Deductible RM500 per rider year) (AIA)

See all on the no-lifetime-limit filter →

● WHICH CARDS HAVE THE HIGHEST ANNUAL LIMIT?

Top 5 tiers by published annual limit:

1. Allianz HealthInsured Allianz HealthInsured — RM5,000,000/year
2. A-Plus Health 360 Standard (Deductible RM500 per rider year) — RM3,000,000/year
3. A-Plus Health 360 Standard (Deductible RM1,000 per rider year) — RM3,000,000/year
4. A-Plus Health 360 Standard (Deductible RM3,000 per rider year) — RM3,000,000/year
5. HealthAssured 5% Co-Insurance — RM3,000,000/year

Only tiers with a published annual limit count. ILP-rider tiers where the customer selects the limit are excluded by design.

● WHICH CARDS HAVE A CO-PAYMENT?

118 tiers publish a co-payment structure.

PRUValue Med Plan 150 — Optional Med Saver RM300/1,000/3,000/5,000/10,000 (per disability) or Deductible RM20,000/50,000/75,000/100,000 (per annexure year); no fixed amount if neither chosen
PRUValue Med Plan 200 — Optional Med Saver RM300/1,000/3,000/5,000/10,000 (per disability) or Deductible RM20,000/50,000/75,000/100,000 (per annexure year); no fixed amount if neither chosen
PRUValue Med Plan 300 — Optional Med Saver RM300/1,000/3,000/5,000/10,000 (per disability) or Deductible RM20,000/50,000/75,000/100,000 (per annexure year); no fixed amount if neither chosen
PRUValue Med Plan 400 — Optional Med Saver RM300/1,000/3,000/5,000/10,000 (per disability) or Deductible RM20,000/50,000/75,000/100,000 (per annexure year); no fixed amount if neither chosen
PRUValue Med Plan 500 — Optional Med Saver RM300/1,000/3,000/5,000/10,000 (per disability) or Deductible RM20,000/50,000/75,000/100,000 (per annexure year); no fixed amount if neither chosen
PRUValue Med Plan 600 — Optional Med Saver RM300/1,000/3,000/5,000/10,000 (per disability) or Deductible RM20,000/50,000/75,000/100,000 (per annexure year); no fixed amount if neither chosen
Health360 Plan 200 — Deductible RM500/1,000/3,000; 10% Co-takaful (min RM1,000, max RM5,000); Auto-switch (10% co-takaful yrs 1-5 then Deductible RM1,000); High Deductible RM10,000/50,000
Health360 Plan 300 — Deductible RM500/1,000/3,000; 10% Co-takaful (min RM1,000, max RM5,000); Auto-switch (10% co-takaful yrs 1-5 then Deductible RM1,000); High Deductible RM10,000/50,000

● WHICH CARDS LET YOU IN AT THE LOWEST AGE?

Lowest published minimum entry ages:

Health360 Plan 200 — entry from age 0
Health360 Plan 300 — entry from age 0
Health360 Plan 400 — entry from age 0
Health360 Plan 500 — entry from age 0
Health360 Plan 1000 — entry from age 0

● WHICH CARDS ARE GUARANTEED RENEWABLE?

127 tiers explicitly state guaranteed renewable.

PRUValue Med Plan 150 (Prudential)
PRUValue Med Plan 200 (Prudential)
PRUValue Med Plan 300 (Prudential)
PRUValue Med Plan 400 (Prudential)
PRUValue Med Plan 500 (Prudential)
PRUValue Med Plan 600 (Prudential)
Health360 Plan 200 (PruBSN)
Health360 Plan 300 (PruBSN)

● HOW IS THIS DIFFERENT FROM AN 'OPINION' RANKING?

We do not rank products from best to worst, because we do not publish premiums (quote-gated) and 'best' depends on your age, health and budget. What we publish are verifiable, dated facts: which cards state no lifetime limit, which state the highest annual limit, which state co-payments, entry ages, and renewability. Each answer is a query over the same catalogue you can download (CSV, JSON), and each plan page links its source document.