No Claims Benefit in Insurance: How to Stay Healthy and be Rewarded for it

Prudential provides exclusive perks for staying healthy with more than 1,000 healthcare packages from renowned healthcare service providers available countrywide.

We go through essential points of the no claims benefit, including who is eligible and how to apply, while offering some tips to stay healthy so that you can optimise this benefit.

What is Prudential’s no claims benefit?

Prudential’s no claims benefit is an effort to promote preventive care. With this benefit, PRUMillion Med Booster and PRUValue Med Booster policy owners who did not make claims for the previous year can redeem up to RM1,000 for healthcare services fromPrudential’s All-New Marketplace. The healthcare services include medical examinations, diagnostic testing, vaccinations, and healthprograms for a healthier lifestyle.

Preventative care is crucial in that it can assist you in making wise lifestyle decisions to safeguard you and your family's health and well-being. This results in lower medical bills and high recovery rates if you do get sick, as it’s likely that you’ll discover the issue earlier. Additionally, preventive healthcare is essential to help one maintain their health as they get older.

1000 healthcare services: Key aspects of no claims benefit

Policyholders will have the opportunity to maintain their health with the following healthcare services.

Regular medical checkups

Regular medical checkups are vital as they enable doctors to detect symptoms of illness that you might not even be aware of. This leads to improved chances of receiving treatment early and preventing further spread of the disease. Regular medical checkups equip you with the knowledge to monitor your physical, mental, and emotional well-being.

Various medical checkup packages are available under the no claims benefit. This includes checkups for comprehensive blood screening, women's/men's health screenings, and child developmental screenings.

Medical checkups include the following but are not limited to:

• Blood Glucose

• Body Composition Analysis

• Cancer Markers Test (AFP, CEA, CA19.9, CA 15.3, PSA)

• Full Blood Picture

• Helicobacter Pylori Antibody Test

• Hepatitis Screening

• Human Papillomavirus (HPV) Test

• Lipids Profile

• Liver Function Test

• Mental Health Screening

• Renal Function Test

• Rheumatoid Factor

• Sexually Transmitted Disease Test (Syphillis, HIV)

• Thyroid Function Test

• Uric Acid Test

• Urine Analysis

• Urine Microscopy

• Vision Test

 

 

Diagnostic tests

Diagnostic tests identify a condition, disease, or illness in patients exhibiting particular symptoms. They are essential in enabling prompt and appropriate treatment.

With Prudential’s no claims benefit, policyholders can access numerous diagnostic tests. For instance, allergy tests, child developmental tests, mammograms, pap smears, non-invasive pregnancy tests (NIPT), and more.

The following is a non-exhaustive list of diagnostics tests that are accessible to policyholders:

• Allergy Profile

• Audiometry

• Bone Density Test (DEXA)

• Colonoscopy

• COVID - 19 Test (PCR, RTK)

• Exercise Stress Test

• Gastroscopy

• Infertility Test

• Lung Function Test

• Mammogram

• Pap Smear

• Resting ECG

• Ultrasound

• X-Ray

 

 

Vaccination

Vaccinations are vital as they effectively prevent infectious diseases and to protect you and your children against ill health. Vaccinated individuals are less prone to contracting an infection of the disease they are vaccinated for. Even if they are infected, the illness is likely mild as the vaccination has 'taught' the body how to fight the virus.

Vaccinations include the following but are not limited to:

• Bacillus Calmette–Guérin (BCG), Vaccine

• Cholera

• Covid Vaccine

• Diphtheria(D), Tetanus(T) and Acellular Pertussis(aP) - DTAP Vaccine

• Haemophilus Influenza Type B Vaccine

• Hepatitis A Vaccine

• Hepatitis B Vaccine

• Human Papillomavirus (HPV) Vaccine

• Inactivated Polio Vaccine (IPV)

• Influenza Vaccine

• Japanese Encephalitis (JE) Vaccine

• Measles(M), Mumps(M) and Rubella® -MMR Vaccine

• Meningococcal Vaccine

• Pneumococcal Vaccine

• Rabies

• Rotavirus Vaccine

• Varicella-zoster/Chicken Pox Vaccine

 

 

Health programs

Health programs are designed to allow people to begin, change or maintain healthy behaviours. You are more likely to protect, improve, and achieve optimal beneficial outcomes with a health program than doing it yourself.

Health Programs policyholders can subscribe to under Prudential’s no claims benefit include:

• Naluri Weight Management Program

• 2 Naluri Diabetes Management Program

• 3 Naluri Hypertension Management Program

 

 

Tips to stay healthy and maximise no claims benefit

The following are a few ways that will help you stay healthy to take advantage of this benefit:

Prioritise preventive care

Preventative treatment lowers the likelihood of developing diseases, being disabled, and passing away. A crucial component of your healthcare strategy should include screenings, which are frequently your first line of defence against some of the most prevalent diseases.

According to the Health and Morbidity Survey (2019), just 49% of Malaysians had a health screening the previous year. Additionally, they discovered that 60% of women over 20 had not had a pap smear test in the last three years, and 3 out of 4 women over 40 had never had a mammogram. Thus, setting aside time for preventive care and organising yearly physicals are crucial.

Put today's preventive checkups on your calendar as a reminder. Make an appointment with your healthcare provider if you have any questions or concerns or want to create a care plan for recommended screenings.

Exercise regularly

One of the best things you can do for your health is to lead an active lifestyle. Physical activity strengthens your bones and muscles, and helps maintain a healthy weight. It also increases the ability to carry out daily tasks, and improves cognitive health.

According to the Health and Morbidity Survey from 2019, 25% of adults aged 16 and above and 59% of those aged 75 and above are physically inactive. Sadly, physical inactivity is the fourth leading risk factor for mortality worldwide.

Without exercise, you run a higher risk of developing metabolic syndrome, which includes conditions like type 2 diabetes, high blood pressure, and obesity.

A minimum of 150 minutes moderate-intensity exercise a week, such as walking, gardening, and other activities, will do wonders for your health.

Eat a balanced diet

A healthy, balanced diet is crucial for reaching and maintaining healthy body weight. Therefore, maintaining good health and feeling your best depends on eating a nutritionally balanced diet.

The consequences of having an unhealthy diet include being more vulnerable to illness, infection, weariness, and poor performance. Avoid or limit foods that have high levels of processing, refined carbohydrates, extra salt and sugar, red and processed meat, alcohol, and trans fats.

A balanced diet entails a variety of fruits, vegetables, grains, dairy products, and protein foods. You must eat foods in the right quantities and consume appropriate food and liquids. This is vital as, according to reports, 95% of Malaysian adults do not consume the daily recommended amount of fruits and vegetables.

Manage stress

Many of us deal with unpleasant and burdensome difficulties. For instance, you may feel overworked and busy balancing your job, family, and other obligations.

In a May 2022 study on mental health and wellness, 59% of participants between 16 and 24 reported experiencing more stress or anxiety than the previous year. Additionally, according to a mental health screening by the Ministry of Health (MOH) in 2022, the Federal Territories have the greatest rate of depression and anxiety.

These findings can be attributed to the high living expenses and the significant number of lower-income individuals who also struggle with interpersonal issues, including peer pressure and relationship issues, which result in stress.

Nonetheless, stress can be managed with healthy coping mechanisms and receiving the appropriate care and support. Looking after your physical needs, scheduling personal downtime, socialising with others, and participating in community or faith-based activities can all help lessen stress.

You can also alter and enhance your lifestyle by exercising regularly, which helps lower blood pressure and stress hormones. Additionally, deep breathing exercises or meditation will help you think clearer, reduce heart rate, and lessen muscle tension.

Avoid risky behaviours

Risky behaviours can harm one’s health and quality of life. It is also connected to many negative consequences, such as psychological issues, criminal activity, and weaker interpersonal relationships.

Examples of risky behaviours include using illegal substances, unprotected sex, and bad eating habits. According to a study, 22.4% of respondents between the ages of 31 and 40 reported ever using tobacco, alcohol, or drugs. This means that almost 1 in every 4 adults have taken part in risky behaviours during their lifetime.

Quit alcohol and smoking

An estimated 27,200 Malaysians' deaths annually are related to smoking. The 2019 National Health and Morbidity Survey discoverd that 48.1% of people are exposed to second-hand smoke at eateries without air-conditioning, 5% smoke e-cigarettes, and 21% smoke cigarettes.

Additionally, alcohol usage causes 3 million fatalities worldwide annually, and 11.8% of Malaysians consume alcohol. Alcohol consumption can lead to health issues, alcohol dependence, serious noncommunicable diseases such as liver cirrhosis and malignancies, and injuries from violence and traffic accidents.

You can avoid smoking and drinking by removing the scent of tobacco from your home, car, and clothes and staying away from places where you would typically drink alcohol. Exercise is also recommended because it improves mood and helps curb cravings.

Whether you want to quit cold turkey or gradually cut back, it is best to have a goal in mind. Consider alternatives, list your reasons for quitting, be ready for the challenge, establish a schedule, and follow it.

You can also think about joining a support group. These communities give a platform for people to communicate, offer care and understanding, and exchange strategies for coping with withdrawal symptoms and staying on track.

Who is eligible for Prudential’s no claims benefit?

Prudential’s No Claim Benefit are exclusively for PRUMIllion Med 2.0, PRUValue Med and PRUMillion Med Active policyholders who have Booster option and made no claims for the previous annexure year.

PRUMillion Med 2.0 is a medical insurance policy that covers:

• Room and Board from RM200 to RM400 so that you can stay comfortably if you need to be warded in hospital.

• High annual limit that refreshes every year.

• Flexible deductible otpions from RM500 to RM10,000.

• A comprehensive range of cancer protection, including genomic testing for cancer detection, treatment and support during the remission stage.

 

PRUValue Med is a policy that:

• Covers medical expenses during hospitalisation, including pre-hospitalisation treatment, daily room and board and unlimited ICU stay.

• Provides a lifetime limit of up to RM2 mil with Med Value Point.

• Provides flexible options to reduce your premiums.

• Covers post-hospitalisation treatment and outpatient physiotherapy if you have a serious condition.

 

PRUMillion Med Active is an active pricing medical insurance plan that:

• Provides policyholders with an instant 15% discount on medical insurance charges if no claims are made.

• Comprehensive cancer protection that includes genomic testing, treatment and follow-up care.

• Can be enhanced with Active Booster for:

  • Unlimited days for room and board or ICU stay

  • Unlimited annual limit with coinsurance

  • Coverage for maternity complications

 

Post-hospitalisation treatment for serious conditions for up to 365 days.

How to claim your no claims benefit?

Claiming the no claims benefit is relatively simple - follow the step-by-step instructions below to redeem your NCB preventive care e-voucher:

• Step 1: Look through the preventative care offerings on the Welcome page to find what you need.

• Step 2: Select the preventive medical services you want to redeem.

• Step 3: Redeem the service and get a QR/Voucher Code.

• Step 4: You must pay the healthcare service provider the remaining sum if the services used up more than your total No Claims Benefit value.

• Step 5: Schedule an appointment before the voucher expires and provide your QR code to the service provider.

 

 

Conclusion

Start today by implementing preventative care. Prevention ensures that a negative outcome will not occur and, thus, is preferable to cure. Taking care of yourself can significantly lower your risk of getting ill.

Prudential's no claims benefit offers numerous preventative services that can help keep you healthy, and signing up for it is so simple. Please speak to one of our Wealth Planner at Prudential Malaysia for the latest and most accurate information.