MEDICAL CARD / Prudential
PRUVALUE MED
Prudential Assurance Malaysia Berhad · Medical rider on investment-linked policy · 6 tiers · verified 24 Aug 2026
| Tier | Annual limit | Lifetime | Room & board | Deductible | Co-ins. | Co-pay | ICU | Day surg. | Renewable | Entry age |
|---|---|---|---|---|---|---|---|---|---|---|
| Plan 150 | — | Not stated | RM 150 | RM 300 | 20% | 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 | Yes | Yes | Yes | 1+ |
| Plan 200 | — | Not stated | RM 200 | RM 300 | 20% | 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 | Yes | Yes | Yes | 1+ |
| Plan 300 | — | Not stated | RM 300 | RM 300 | 20% | 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 | Yes | Yes | Yes | 1+ |
| Plan 400 | — | Not stated | RM 400 | RM 300 | 20% | 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 | Yes | Yes | Yes | 1+ |
| Plan 500 | — | Not stated | RM 500 | RM 300 | 20% | 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 | Yes | Yes | Yes | 1+ |
| Plan 600 | — | Not stated | RM 600 | RM 300 | 20% | 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 | Yes | Yes | Yes | 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]
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