What Does a Medical Card Cover?

A medical card is an essential component of health insurance that safeguards your health and financial well-being. It acts as a gateway to crucial medical services and offers financial coverage for a wide range of healthcare services. It provides peace of mind when it comes to managing medical costs.

Hospitalisation & surgery

One of the primary functions of a medical card is to cover the costs associated with hospitalisation and surgery. This includes room and board, surgical fees, and other related hospital charges. Whether it's a planned procedure or an emergency, with a medical card, you are ensured to receive the required treatment without worrying about the financial burden.

Outpatient treatments

A medical card also covers certain outpatient treatments. This includes pre-hospitalisation consultations, diagnostic tests, and post-hospitalisation follow-ups. Some plans may also cover treatments like chemotherapy, radiotherapy, and dialysis, which can be costly without insurance.

Specialist consultations

Your medical card often covers consultations with specialists. This is particularly useful if you require expert advice on managing chronic conditions or need a second medical opinion on a diagnosis.

Emergency medical evacuation

A medical card may also cover emergency medical evacuation in cases where specialised treatment is required that is not available locally. This benefit ensures that you can access the necessary care, even if it means travelling to another location.

Daily cash allowance

Some medical cards provide a daily cash allowance during your hospital stay. This allowance can be used to cover additional expenses not directly covered by medical insurance, such as transportation or family meals.

Choosing the right medical plan

When choosing a medical plan, it’s important to consider the extent of coverage offered and whether it aligns with your healthcare needs. For instance, Prudential's PRUValue Med provides comprehensive coverage, including options for outpatient treatments and specialist consultations.

Besides, Prudential’s PRUMillion Med Active is an active pricing medical insurance plan that offers policyholders an upfront discount of up to 15% on insurance premiums. This discount can be enjoyed every year if you maintain your health and make no claims. With this plan, you’ll be motivated to embrace a healthy lifestyle knowing that you are safeguarded against the cost of medical treatments and hospitalisation without compromise.

Other plans and riders include PRUHealth, which covers a broad range of benefits, including hospitalisation coverage and no-claim benefits.

A medical card is a valuable financial instrument that offers essential protection against the unforeseen costs associated with medical emergencies. By understanding its coverage, individuals can make informed healthcare decisions and secure their financial well-being.