Tag Archives: Hospital Allowance

Prudential’s Claim for PRUmed and Hospital Benefits. 10 August 2010

Prudential’s Claim for PRUmed and Hospital Benefits. 10 August 2010

Prudential’s Claim for PRUmed and Hospital Benefits. 10 August 2010

Which one should I choose? Why Prudential Medical Card?

There are lots of medical card in the market. Why Prudential best of all?

1. Prudential medical card is guaranteed renewal and non-cancelable. Not all company have this features which they have right to terminate your policy if you are claim too much or you are to risky for the company to insured. With Prudential your will be us forever and not will be canceled.

2. We gives hospital allowance to private hospitals and government hospitals. Eg. RM350 per day. Our competitor only gives hospital allowance if you are admitted in any government hospital. So what the purpose of having medical insurance if you want to be admitted in government hospital right?

3. We have the best private hospitals in Malaysia for you medical treatment.

4. We will gives you bonuses if you didn’t make any claim in a year. Eg, RM500

5. If you are diagnosed with Critical Illness, your premium will be paid by Prudential. No more payment taken from you.  If you pay for your kids insurance, Prudential also paid the premium for them.  No payment but you and family still under coverage by Prudential.

6. Prudential medical card is our product. Handle and manage by us. Our competitor use third party company to manage medical card operation. You know if too many party participant in your claim process, error and delay will happen.

7.Prudential Medical Card have the best and big limit coverage, up to RM1.5 Million.

8. Prudential been in Malaysia since 1924 and trusted by many. Not many company survived from 1924 till today. This shown our financial is strong and able to protect you.

To get the brochure please request the brochure at the comment section → Leave a Comment

Prudential Malaysia Co-insurance / Co-takaful

prudential malaysia coinsurance cotakaful

Prudential Medical Plan which is PRUhealth or Major Medical Cover (Prudential BSN Takaful) is subject to co-insurance or co-takaful.

What is co-insurance / co-takaful?

Co-insurance / co-takaful is a cost-sharing arrangement under which the policyholder pays a specified percentage of the cost of an eligible benefit. The remaining balance is paid by the Company.

How much is Prudential Malaysia co-insurance / co-takaful?


10% co-insurance with minimum RM300 and maximum RM1000.


Hospital bill RM2000 – 10% co-insurance is RM200 – NO as minimum RM300 – Total payment is RM300

Hospital bill RM5000 – 10% co-insurance is RM500 – Total payment is RM500

Hospital bill RM50,000 – 10% co-insurance is RM5000 – NO as minimum RM1000 – Total payment is RM1000


10% co-insurance with maximum RM2000.

Other insurance company didn’t charge co-insurance or given smaller scale of co-insurance?

The answer is YES. But please aware that , other insurance company will charge you 20% co-insurance if you are not following the room plan.

Prudential Malaysia co-insurance is simple and pure. 10% co-insurance / co-takaful with minimum RM300 and maximum RM1000. No other small clause and conditions.

For example below is room plan for PRUHealth.

If you are subscribing for PRUhealth 200 Plan, you are entitle for RM200 room.


You are taking RM200 room exactly as in plan.

Hospital bill RM50,000 – 10% co-insurance is RM5000 – NO as minimum RM1000 – Total payment is RM1000

You are taking RM220 room

Hospital bill RM50,000 – 10% co-insurance is RM5000 – NO as minimum RM1000

7 days in hospital x RM20 (extra room price) = RM140

Total payment is RM1140

But above is not applicable to another insurance company

If you are subscribing for Medical Plan which you are entitle for RM200 room.


You are taking RM200 room exactly as in plan.

Hospital bill RM50,000 – 100% paid by insurance company (NO co-insurance)


Hospital bill RM50,000 – 10% co-insurance is RM5000 – NO as minimum RM500 (Smaller scale 10% co-insurance with maximum RM500)

Total payment is RM500

You are taking RM220 room

Due to not following the plan, you be charged with 20% co-insurance

Hospital bill RM50,000 – 20% co-insurance is RM10,000 Total payment is RM10,000!!!

Prudential Co-Insurance is honest and transparent.

Prudential Malaysia co-insurance is transparent and declared in our brochure. Potential customer aware of this co-insurance before signing up.

With 10% co-insurance with min RM300 and max RM1000 is the best! We are not charging you extra because of not following the plan.

The truth is, you will never follow your plan.

You are signing up insurance for your medical protection as long as possible. You need it now and you need it 5 years and 10 years later.

How possible the room price RM200 today will be remain the same price at 5 years or 10 years later?  You know price of everything increased everyday.

If you are not with Prudential, please prepare with 20% co-insurance with no maximum limit. This is what you want? The insurance company declaring NO co-insurance up front but the small details, you will be charged 20% co-insurance if not following the plan.

It would be great if no co-insurance at all.

Before 2003, Prudential Malaysia medical card is without co-insurance. Since 2003, Prudential medical card is subject to co-insurance under advised of Bank Negara Malaysia.

Dont worry about Prudential Malaysia co-insurance.

We reward you with Hospital Allowance RM250 per day if you are admitted to hospital.

RM250 x 7 days  = RM1750. Pay RM1000 for co-insurance and you take RM750 to your pocket.

Other insurance companies also giving Hospital Allowance, what is the different?

Prudential Malaysia policy holder is entitled for Hospital Allowance when they are admitted into PRIVATE and GOVERNMENT hospital.

Other insurance company giving hospital allowance only if you are admitted into GOVERNMENT hospital. The question here is, what is the purpose of rewarding the policy holder if they are admitted to GOVERNMENT hospital only.

We all know that, we are having Medical Card, so we have good treatment and service in PRIVATE hospital and insurance company pay the bills. Why need to go GOVERNMENT hospital when you are having a medical card?