Introducing Pru FlexiMed

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Wealth Planner: Amin Husaini

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PruFlexi Med Schedule of Benefits

Hot off the shelf, Prudential recently launched its latest medical rider, PruFlexi Med, that can be attached to PruLink One or PruLife Ready investment-linked policies. PruFlexi Med is another alternative medical plan to the existing PruHealth medical rider. In fact, both PruHealth and PruFlexi Med are pretty similar in terms of coverage.
So, what is PruFlexi Med medical rider all about? The list below briefly summarize the features of this new medical rider:

1. Highly customizable medical plan to suit your medical needs – in terms of the daily room & board rate and annual limit.
2. No co-insurance, but can opt for zero or RM300 deductible.
3. No more 10% payment/penalty if exceed room & board (R & B) rate – if you stay in the room with higher than your R & B rate, you only need to top up the difference. If you stay in a room with lower R & B rate, Prudential will reimburse you the difference.
4. Lifetime limit = 20x annual limit.
5. If compared to PruHealth, PruFlexi Med has higher ICU coverage (60d) and pre-hospitalization treatment days (90d).

Simplified as below:

	Schedule of Benefits:	PruFlexi Med
.	Type of medical plan:	ILP Medical Rider
.	Room rate:	To be decided on purchase. Min: 100/d (can increase multiple of 50/d) Max: 400/d
.	Room & Board (R & B) (days)	120
.	ICU (days)	60
.	Pre-hospitalization Treatment (days)	90
.	Post-hospitalization Treatment (days)	90
.	Emergency Accidental Out-patient Limit	2% of annual limit
.	Emergency Accidental Out-patient (days)	Subject to annual limit
.	Home Nursing Care	180 days/lifetime. As charged.
.	Kidney Dialysis	As charged
.	Cancer Treatment	As charged
.	Miscellaneous	Highly customizable plan. If you stay in a room with lower R & B rate, the difference will be refunded to you. If you stay in a room with higher R & B rate, you just have to pay the difference.
.	Annual Limit	Min: 50,000 (can increase multiple of 10,000) Max: 200,000
.	Lifetime Limit	20x annual limit
.	Co-insurance	No co-insurance, but can opt for zero or 300 deductible