Medical

PRUValue Med

Flexible, affordable medical coverage that works with what you already have.

PRUValue Med covers your hospitalisation and surgical expenses with flexible Med Saver and Deductible options — so you can pair it with an employer plan and keep premiums low, or use it as standalone coverage.

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

💰

Med Saver & Deductible Options

Choose how much you self-cover first — the higher the amount, the lower your premium.

🤝

Works With Employer Plans

Designed to complement existing coverage: your employer plan covers the first layer, PRUValue Med covers the rest.

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Full Hospital Coverage

Hospitalisation, surgical, pre- and post-hospitalisation expenses covered per plan terms.

Plan Highlights

  • Flexible Med Saver or Deductible to control premium
  • Ideal top-up alongside employer medical coverage
  • Comprehensive hospitalisation and surgical benefits
  • Option to set your Date of Deductible to match your other plan's reset date

Who is this for?

👤 Employees with basic company coverage
👤 Budget-conscious buyers
👤 Families needing flexible medical protection
Good to know

Frequently Asked Questions

Both reduce your premium by having you (or another plan) cover a first layer of costs. Med Saver applies per disability; Deductible applies per policy year. Annabel can help you choose based on your existing coverage.
PRUValue Med picks up eligible expenses above your deductible layer — and if you leave your job, you still have your own medical plan in force.
Yes — you can set the Date of Deductible to align with your existing plan's annual limit reset date to avoid coverage gaps.

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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