Medical Card Services

A medical card is an insurance that provides coverage for medical and hospitalisation expenses. It offers policyholders access to medical services at a network of healthcare providers and facilities.

When you have a medical card, you present it at the healthcare facility at the time of service. The medical card contains your insurance information, allowing the healthcare facility to bill the insurance company directly for the covered services, reducing out-of-pocket expenses.

Medical cards generally cover a wide range of medical expenses, including:

• Doctor’s consultations and visits

• Hospitalisation and inpatient services

• Laboratory tests and diagnostic services

• Prescription medications

• Emergency medical care

Having a medical card provides several benefits, including:

• Financial protection against high medical expenses.

• Access to a network of healthcare providers.

• Convenience in settling medical bills through direct billing.

Medical card policies have certain exclusions and limitations, which vary based on the insurance provider. Some common exclusions may include cosmetic procedures, fertility treatments and experimental treatments. Reviewing the policy documents to understand the specific exclusions and limitations is essential.

It's crucial to disclose any pre-existing health conditions, ranging from chronic diseases to minor health issues before your health insurance policy starts, in order to prevent future complications or claim rejection. Therefore, to determine if Prudential's medical card covers pre-existing conditions, it is recommended to review the policy document.

Yes, you can choose your preferred healthcare provider from a list of panel hospitals associated with the medical card.

Like most insurance policies, there is a waiting period before you can use your medical card.  It is best to check your policy document for accurate information.

Depending on the type of medical card, some insurance policies are made available to individuals from birth, while others might only be available to adults. There might also be an upper age limit after which individuals can no longer apply for a policy. It is best to refer to the specifics of your policy document.

Prudential’s medical card can only be utilised locally within Malaysia counterparts.

If you lose your medical card, contact us or your dedicated Wealth Planner as soon as possible. We can guide you through the process of getting a replacement card.