Medical Card for Parents

PRUsenior med - standalone medical card

Senior Citizen Medical Insurance - It's never too late to start thinking about health insurance.

With a unique high entry age, PRUsenior med helps you address those large medical bills that you may face in your later years.

Why PRUsenior med?

Medical insurance charge goes up by age, and for those whom children that would like to plan for their parent's medical, this plan is designed solely for taking care of the huge bill should our parents needs medical attention.

PRUsenior med offers the following benefits:-

1. Guaranteed renewal

2. Premium is based on ENTRY age and WILL NOT go up 

3. This plan is available to anyone between 45 - 70 years old (at age next birthday)

4. NO annual limit
5. Covers Consultation Charges, Take home drugs and long term medication.

What's the catch?

PRUsenior med is designed to absorb the financial burden from huge medical bills, thus there is a co-insurance of which the client is required to pay should there be hospitalization need.

This is how the insurer keeps the premium leveled, while offering benefits of not having to be burden of high premiums, especially at older age.

Schedule of Benefits

Death Benefit	Plan 1 RM5,000	Plan 2 RM5,000
Medical Benefit 1. Hospital Daily Room & Board (120 days per year) 2. Intensive Care Unit (30 days per year)* 3. Surgical fees* 4. Anaesthetist Fees* 5. In-hospital & Related Services* 6. Pre-hospitalisation Treatment (within 30 days before hospitalisation)* 7. Post-hospitalisation Treatment (within 90 days after hospitalisation)* 8. Home Nursing Care (180 days per lifetime)* 9. Day surgery* 10. Out-patient Cancer Treatment* 11. Out-patient Kidney Dialysis Treatment* *As charged subject to co-insurance at 10%. Minimum co-insurance amount below is applicable to items 2 to 5 only.	RM200	RM200
Minimum Co-insurance Amount	RM3,000	RM6,000
Lifetime Limit	RM225,000	RM225,000

* The Company reserves the right to revise the minimum co-insurance amount once every 12 months, by giving a 30-day notice.

Note: Co-insurance is a cost-sharing arrangement under which the policyholder pays a specified percentage of the cost of an eligible benefit. The remaining balance is paid by the Company.

The total benefits payable under the Medical Care Benefit during the lifetime is subject to the Lifetime Limit. Cover begins immediately on acceptance, for hospitalisation caused by accidents and 30 days after acceptance for any other causes.

Each claim will reduce the Lifetime Limit. When the Lifetime Limit is exhausted, the death benefit will continue without payment of any further premiums.