MEDICAL CARD / Prudential
PRUVALUE MED
Prudential Assurance Malaysia Berhad · Medical rider on investment-linked policy · 6 tiers · verified 24 Aug 2026
Plan 150 RM 150 R&B
- LIFETIME
- Not stated
- ROOM & BOARD
- RM 150
- DEDUCTIBLE
- RM 300
- CO-INS.
- 20%
- CO-PAY
- 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
- ICU
- Yes
- DAY SURG.
- Yes
- RENEWABLE
- Yes
- ENTRY AGE
- 1+
Plan 200 RM 200 R&B
- LIFETIME
- Not stated
- ROOM & BOARD
- RM 200
- DEDUCTIBLE
- RM 300
- CO-INS.
- 20%
- CO-PAY
- 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
- ICU
- Yes
- DAY SURG.
- Yes
- RENEWABLE
- Yes
- ENTRY AGE
- 1+
Plan 300 RM 300 R&B
- LIFETIME
- Not stated
- ROOM & BOARD
- RM 300
- DEDUCTIBLE
- RM 300
- CO-INS.
- 20%
- CO-PAY
- 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
- ICU
- Yes
- DAY SURG.
- Yes
- RENEWABLE
- Yes
- ENTRY AGE
- 1+
Plan 400 RM 400 R&B
- LIFETIME
- Not stated
- ROOM & BOARD
- RM 400
- DEDUCTIBLE
- RM 300
- CO-INS.
- 20%
- CO-PAY
- 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
- ICU
- Yes
- DAY SURG.
- Yes
- RENEWABLE
- Yes
- ENTRY AGE
- 1+
Plan 500 RM 500 R&B
- LIFETIME
- Not stated
- ROOM & BOARD
- RM 500
- DEDUCTIBLE
- RM 300
- CO-INS.
- 20%
- CO-PAY
- 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
- ICU
- Yes
- DAY SURG.
- Yes
- RENEWABLE
- Yes
- ENTRY AGE
- 1+
Plan 600 RM 600 R&B
- LIFETIME
- Not stated
- ROOM & BOARD
- RM 600
- DEDUCTIBLE
- RM 300
- CO-INS.
- 20%
- CO-PAY
- 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
- ICU
- Yes
- DAY SURG.
- Yes
- RENEWABLE
- Yes
- ENTRY AGE
- 1+
● WAITING PERIODS
- General: 30 days
- Specified (120-day): 120 days
- Pre-existing: n/a
● SOURCE
- Verified: 24 Aug 2026
- Source: official PDS / product page
- PDS PDF sample (prepared 20 Jan 2026, SQSOnline Agency ver 8.2.0.0; sample config: MVP RM1m, R&B 200, Med Saver 300) + official leaflet 04/2026 for full R&B 150-600 tier matrix (https://www.prudential.com.my/content/dam/prudential-aem-lbu/pamb/pdf/en/products/Medical-Insurance/PRUValue%20Med_ENG%20FA.pdf); product page https://www.prudential.com.my/en/products/medical-insurance/pruvalue-med. PRUValue Med is an ILP rider attachable to PRUWith You Plus - PAMB has no standalone medical card on prudential.com.my (PRUMillion Med 2.0 / Active 2.0 are also ILP riders). Note: leaflet 04/2026 states R&B up to 150 days/yr; product page summary states 90 days/yr. [C8 FIX 2026-08-24: lifetime limit was a sample-quote artifact (MVP RM1m); corrected to "not stated" — MVP is customer-selected per PDS]
Premiums are quote-gated in Malaysia. Get an official quote from Prudential — we never publish invented premiums.