Medical

PRUMillion Med Active 2.0

Be in control — instant discount of up to 15%, and pay less when you claim less.

PRUMillion Med Active 2.0 is the 'Be in Control' plan of the PRUMillion Med Series: the same comprehensive RM2 million annual coverage, with Active Pricing that gives you an instant discount of up to 15% on medical insurance charges and rewards you for staying healthy.

ℹ️ This is a rider that attaches to a base plan such as PRUWith You Plus. Speak to Annabel to find the right combination for your needs.
Why this plan

Key Benefits

Active Pricing

Enjoy an instant discount of up to 15% on medical insurance charges — keep it for as long as you don't claim. Small claims only pause the discount temporarily.

🏥

Same Strong Foundation

RM2 million annual limit refreshed yearly, no lifetime limit, cancer coverage with genomic testing, pre- and post-hospitalisation care.

🚀

Active Booster 2.0

Boost to unlimited R&B/ICU days, auto-increasing annual limit (+RM100,000/year), maternity complications coverage, extended post-hospitalisation care and a RM500 yearly No Claims Benefit.

Plan Highlights

  • Instant discount of up to 15% on medical insurance charges
  • Pay less when you claim less — discount resumes after claim years
  • RM2 million annual limit, refreshed yearly, no lifetime limit
  • Flexible deductible and cost-sharing options
  • Optional Active Booster 2.0 for unlimited R&B/ICU days and more
  • PRUPanel Plus network: waived admin fees and deposits at selected hospitals

Who is this for?

👤 Healthy individuals who rarely claim
👤 Cost-conscious medical plan buyers
👤 Those with employer coverage seeking a top-up
Good to know

Frequently Asked Questions

You start with an instant discount of up to 15% on medical insurance charges. Claims below RM5,000 only raise your premium temporarily for a year before the discount resumes. Larger claims step the premium up in tiers for a few years — then the discounted rate returns as you stay claim-free.
Premium rates are not guaranteed (as with all medical plans in Malaysia), but the Active Pricing mechanism — the discount structure for claim-free years — is a built-in feature of the product.
Same comprehensive coverage foundation. Million Med 2.0 ('Be at Ease') has level pricing for maximum certainty; Active 2.0 ('Be in Control') rewards health-conscious customers with lower charges when they claim less.

Product information is a summary for reference only. Benefits, terms and conditions are governed by the policy document. Ask Annabel for the full product disclosure sheet and a personal illustration.

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