Discover The Control To Pay Less Without Compromising On Your Coverage.
Imagine having control over how much you pay for your insurance plan and taking charge of your health journey. Introducing PRUMillion Med Active, a medical plan that rewards your healthy lifestyle and provides a discount on your medical insurance charges when you have no claims, all with no changes to your coverage.
With Active Pricing, your policy starts with an instant discount of up to 15% off your medical insurance charges. By maintaining good health and making no claims, you can continue to enjoy the upfront discount yearly.
With this medical plan, you can now save on medical insurance charges by embracing a healthy lifestyle, while still safeguarding yourself with high coverage against the rising costs of medical treatments in Malaysia.
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Terms and Conditions apply.
Be In Control with PRUMillion Med Active
Key benefits of PRUMillion Med Active
Instant discount up to 15% off your Medical Insurance Charges
Enjoy a discount of up to 15% Off from the 1st policy year. Maintain good health with no claims made to maintain your discounted insurance charges yearly.
Boost your medical plan with Active Booster
Enhance your coverage with Active Booster to get additional benefits for extra protection – like instant boost on your annual limits, unlimited Room & Board (R&B) / Intensive Care Unit (ICU), extended period for post-hospitalisation treatment and more.
Comprehensive Cancer Protection
Our coverage offers a comprehensive range of cancer protection, including genomic testing for early cancer detection, treatment, and support during cancer remission.
Terms and Conditions apply.
Discover How Active Pricing Works
Boost Your Coverage with Active Booster
High Coverage with No Annual Limit
Opt for Coinsurance* and your coverage will have no annual limit.
OR
Gain an instant boost of an additional RM10 million in annual limit.
*Coinsurance means sharing the cost of the medical expenses with Prudential.
Rewarding your health effort with No Claims Benefit
Redeem up to RM1,000 No Claims Benefit annually at our Marketplace, for healthcare packages like:
- Medical checkups
- Vaccinations
- Diagnostic tests
- Subscription programmes
Find out more about No Claims Benefit here.
Coverage for your holistic health journey
- Post-hospitalisation care for up to 365 days.
- Unlimited number of days for room and board, as well as ICU.
- Maternity complications coverage, including 13 maternity complications occurring during or after birth.
- Double coverage for home nursing care and more.
Terms and Conditions apply.
Attachable plan
PRUMillion Med Active rider and Active Booster rider are attachable to our basic plan, PRUWith You.
PRUWith You is a comprehensive investment linked plan that comes with other add-on rider benefits. Learn more about PRUWith You here.
Extra plans
Explore other alternative medical plans.
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Be at ease. High annual coverage with no lifetime limit: |
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Get continuous coverage through the years: |
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*Terms and Conditions apply.
The premiums are not guaranteed and may vary in the future.
Learn more
Cost of Insurance Rates
Important notes
This content contains only a brief description of the product and is not exhaustive. You are advised to refer to Prudential Assurance Malaysia Berhad (PAMB)’s Leaflet, Product Disclosure Sheet, Product Illustration, Fund Fact Sheet (if any), before purchasing the plan, and to refer to the terms and conditions in the policy document for details of the features and benefits, exclusions and waiting periods under the policy.
PROTECTION BY PERBADANAN INSURANS DEPOSIT MALAYSIA (“PIDM”) ON BENEFITS PAYABLE FROM THE UNIT PORTION OF THIS CERTIFICATE/POLICY IS(ARE) SUBJECT TO LIMITATIONS. Please refer to PIDM’s Takaful and Insurance Benefits Protection System (“TIPS”) Brochure or contact Prudential Assurance Malaysia Berhad or PIDM (visit www.pidm.gov.my).
FAQ
What is active pricing in medical insurance?
Active Pricing provides an instant discount on your medical insurance charges. By maintaining a healthy lifestyle and making no claims, you can continue enjoying this discount without any changes to your coverage.
How will active pricing affect my medical insurance plan?
Active pricing in PRUMillion Med Active lowers your medical insurance charges upfront. As long as you remain claim-free, this reduced rate will continue, giving you more control over your costs while maintaining full coverage.
How to reduce my premiums with active pricing?
To keep your premiums lower with PRUMillion Med Active, maintain good health and avoid making claims. The plan rewards this by allowing you to hold on to the initial discount on insurance charges each year.
Can my premiums decrease with active pricing?
Yes, by making no claims, you can retain the discounted insurance charges offered under PRUMillion Med Active. Your premiums remain lower as long as your claims history stays clear.
Will my medical insurance coverage change if my premiums decrease?
No, with active pricing, your coverage stays the same even if your insurance charges are reduced. The discount applies only to costs, with no effect on the level of medical protection you receive.
Will my premiums increase if I make a claim under PRUMillion Med Active?
Yes, your premiums may temporarily increase if you make a claim. For claims under RM5,000, the increase is slight and lasts for one year before returning to the original discounted rate. For claims of RM5,000 or more, the premiums will increase for a few years but will gradually lower until they revert to the discounted rate.
How to choose the best active pricing medical insurance plan?
Consider factors such as coverage options, potential savings from discounted premiums, and available boosters for enhanced protection. Consider your healthcare needs and budget when comparing medical plans.
What are the benefits of choosing an active pricing medical insurance plan?
The key benefit of choosing active pricing medical insurance plans is the ability to enjoy lower premiums while keeping full coverage. It rewards your healthy lifestyle and helps you manage costs without compromising your medical benefits.
Can I use my active pricing plan medical card at any hospital?
You can use your active pricing medical card at approved panel hospitals. To check if your preferred hospital is included, visit Prudential’s Panel Hospital List. Always review any limitations or conditions that may apply to your plan.