Product Summary

PRUDirect Med

Benefit at one glance

Basic medical coverage up to
RM100,000 per year

Why PRUDirect Med?

FAST SIMPLE AFFORDABLE

Instant Hassle-free From as low as
Acceptance1 enrolment RM 1.44 per
day2

Who is eligible?
Malaysians who are residing in Malaysia aged 19 to 45
years old (Age Next Birthday).

Notes:
1 The eligibility for the benefits will only start after 30 days waiting periods for Any illnesses

other than Specified Illnesses and 120 days waiting period for Specified Illnesses from the
effective date of the policy. For hospitalisation caused by accidents, cover begins immediately
on inception.
2 Assuming 365 days in a year, occupation class 1, aged 19 years old next birthday.
Product Summary

PRUDirect Med

PRUDirect Med covers:

No Benefits Plan

Hospital and Surgical Benefits

Hospital Daily Room & Board Benefit
1 (limit per day, 120 days maximum per RM 150
year)
Intensive Care Unit Benefit
2
(30 days maximum per year)
3 In-Hospital & Related Services Benefit
- Hospital supplies and services
As charged, subject to Reasonable
- Surgical fees Benefit
and Customary Charges up to
- Operating theatre fees benefit Overall Annual Limit
- Anaesthetist’s fees benefit
- In-Hospital Physician’s Visit benefit
(2 visits per day and 120 days max
per year)
Outpatient Treatment Benefits
Pre-Hospitalisation Treatment Benefits
4
(within 30 days prior to Hospitalisation) As charged, subject to Reasonable
Post-Hospitalisation Treatment Benefits and Customary Charges up to
5
(within 90 days after Hospitalisation) Overall Annual Limit
6 Day Surgery Benefit
Emergency Treatment for Accidental Injury
7 RM 1,500 per year
Benefit
Deductible Med Saver 3001
Overall Annual Limit RM 100,000
1Med Saver 300 is the amount that you must first pay out of the total Reasonable and
Customary Charges of eligible benefits, which are Hospital and Surgical Benefits and
Outpatient Treatment Benefits for any one disability.
Notes:
- For overseas treatment, if you choose to have or if you have been referred to be treated
outside Malaysia, the benefits for the treatment are limited to the Reasonable and
Customary and Medically Necessary charges for equivalent local treatment in Malaysia
and subject to 90 days residence limit.
- Please refer to the policy document for the terms and conditions under this policy.

Waiting Period:
Benefits Waiting Period
Specified Illnesses 120 days
Any illnesses other than Specified Illnesses 30 days
Product Summary

PRUDirect Med

PRUDirect Med doesn’t cover (exclusions):

i. Pre-existing conditions;
ii. Specified Illnesses occurring during the first one hundred and twenty (120) days
of continuous cover from Date of Policy;
- Hypertension, diabetes mellitus and cardiovascular disease;
- Growths of any kind including tumours, cancers, cysts, nodules, polyps;
- Stones of the urinary system and biliary system;
- Any disease of the ear, nose (including sinuses) or throat;
- Hernias, haemorrhoids, fistulae, hydrocele or varicocele;
- Any disease of the reproductive system including endometriosis; or
- Any disorders of the spine (including a slipped disc) and knee conditions.
iii. Elective cosmetic or plastic surgery (except re-constructive surgery necessary to
restore function), hyperhidrosis, circumcision, eye examination for
nearsightedness, farsightedness or astigmatism, visual aids and refraction or
surgical correction of nearsightedness (Radial Keratotomy) and the use or
acquisition of external prosthetic appliances or devices such as but not limited to
artificial limbs, hearing aids, cochlear apparatus, external or temporary
pacemakers and prescriptions thereof;
iv. Dental conditions including dental treatment or oral surgery except as necessitated
by accidental injuries to sound natural teeth occurring while this Policy is in force;
v. Private nursing, rest cures or sanitaria care;
vi. Drug abuse, addictive disorders from any kind of substance or alcohol use or
misuse, under influence of alcohol, venereal disease and its sequelae, AIDS
(Acquired Immune Deficiency Syndrome) or ARC (AIDS Related Complex) and HIV
(Human Immunodeficiency Virus) related diseases, and any communicable
diseases requiring quarantine by law;
vii. Any treatment or surgical operation for congenital abnormalities or deformities
including hereditary conditions;
viii. Pregnancy, child birth (including surgical delivery), miscarriage, abortion and
prenatal or postnatal care and surgical, mechanical or chemical contraceptive
methods of birth control or treatment pertaining to infertility. Erectile dysfunction
and tests or treatment related to impotence or sterilization;
ix. Hospitalisation primarily for investigatory purposes, diagnosis, X-ray examination,
general physical or medical examinations, not incidental to treatment or diagnosis
of a covered disability or any treatment which is not medically necessary and any
preventive treatments, preventive medicines or examinations carried out by a
doctor, and treatments specifically for weight reduction or gain;
x. Suicide, attempted suicide or intentionally self-inflicted injury while sane or insane;
xi. War or any act of war, declared or undeclared, criminal or terrorist activities,
active duty in any armed forces, direct participation in strikes, riots and civil
commotion or insurrection;
xii. Ionising radiation or contamination by radioactivity from any nuclear fuel or
nuclear waste from process of nuclear fission or from any nuclear weapons
material;

List to be continued on the next page.

Product Summary

PRUDirect Med
PRUDirect Med doesn’t cover (continued):
xiii. Expenses incurred for donation of any body organ by the Life Assured and costs of
acquisition of the organ including all costs incurred by the donor during organ
transplant and its complications;
xiv. Investigation and treatment of sleep and snoring disorders, hormone replacement
therapy and alternative therapy such as treatment, medical service or supplies
including but not limited to chiropractic services, acupuncture, acupressure,
reflexology, bonesetting, herbalist treatment, massage or aroma therapy or other
alternative treatment;
xv. Care or treatment for which payment is not required or to the extent which is
payable by any other insurance or indemnity covering the Life Assured, and
disabilities arising out of duties of employment or profession that is covered under
a Workman's Compensation Insurance Contract;
xvi. Psychotic, mental or nervous disorders, (including any neuroses and their
physiological or psychosomatic manifestations);
xvii.Costs/expenses of services of a non-medical nature, such as television, telephones,
telex services, radios or similar facilities, admission kit/pack and other ineligible
non-medical items;
xviii.Sickness or injury arising from violation of any law, participating in racing of any
kind (except foot racing), hazardous sports such as but not limited to skydiving,
water skiing, underwater activities requiring breathing apparatus, winter sports,
professional sports and illegal activities;
xix. Private flying other than as a fare-paying passenger in any commercial scheduled
airlines licensed to carry passengers over established routes;
xx. Expenses incurred for sex changes; or
xxi. Experimental treatment, including medication and/or unconventional medical
technology / procedure, which has not been proven to be effective, based on
established medical practice, or which has not been approved by a recognised body
in Malaysia.

Note: This list is non-exhaustive. Please refer to the policy document for the full list of
exclusions under this policy.

Want to know more about premium payment?

The premium amount varies according to your age next birthday
and occupation class. The premium payable for subsequent years
Premium are not fixed and will be adjusted according to your age next
Amount birthday at policy anniversary.
Premiums are not guaranteed and may be revised at policy
anniversary by giving you at least 30 days’ written notice.

Premium Term Renewable up to age 69 (Age Next Birthday)

Payment
Debit / Credit Card (Visa/MasterCard)
Method
Payment
Yearly
Frequency
Product Summary

PRUDirect Med
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Key Terms and Conditions:

i. You may cancel your policy by giving a written notice to us within 15 days after
the policy has been delivered to you. We will refund you the premiums that you
have paid.
ii. You have a one-month grace period from each premium due date to pay the
premium for this policy. The policy will remain in force during the grace period.
iii. If you do not pay your premiums within the grace period, your policy shall lapse.
iv. Your policy will be renewed at each policy anniversary up to age 69 next birthday
with the remaining amount of benefits by giving you not less than 30 days written
notice prior to policy anniversary. However, the renewal is not guaranteed. The
premium payable shall be based on your age next birthday at policy anniversary.
v. We reserve the right to discontinue underwriting of this insurance product by
giving you not less than 30 days written notice prior to policy anniversary. All
benefits under this insurance plan will cease to be payable from policy
anniversary immediately following the expiry of the 30 days written notice.
vi. If you choose to cancel the Policy after the Free Look Period, you will only be
covered under the Policy until the date the Premium becomes due. No cash value
will be payable and no premium paid will be refunded. Upon surrender, this plan
will cease. If you switch your current Medical and Health Insurance with another
or from one provider to another, you may be subject to new underwriting
requirements and waiting period for the new plan.
Note: This list is non-exhaustive. Please refer to the policy document for the terms and
conditions under this policy.
Important Notes & Disclaimers
This product is underwritten by Prudential Assurance Malaysia Berhad (“PAMB”) (107655-U). The product
summary here is for illustration purposes only. Please refer to Product Disclosure Sheet before purchasing
this plan, and to the terms and conditions in the policy document for details of the important features of
this plan. You should assess the affordability and suitability of the product in relation to your financial
goals and risk appetite. You are advised to ensure that this plan will best serve your needs and that the
premium payable under the policy is an amount you can afford. If the policy is returned within the 15-day
free look period, the full premium will be refunded. PAMB is an insurance company licensed under the
Financial Services Act 2013 and is regulated by Bank Negara Malaysia.
Prudential Assurance Malaysia Berhad (“PAMB”)
Member of PIDM
PAMB is a member of Perbadanan Insurans Deposit Malaysia (“PIDM”). As a member of PIDM, some of the
benefits insured under the insurance policies offered by PIDM are protected against loss of part or all of
insurance benefits by PIDM, in the unlikely event of an insurer member failure. For further details of the
protection limits and the scope of coverage, please obtain a PIDM information brochure from PAMB or visit
PIDM website (www.pidm.gov.my) or call PIDM toll free line (1-800-88-1266).