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PRUTector + PRUMyHealth

Reimburse your individual medical expense.

More about PRUTector + PRUMyHealth
A personalized individual health proposition that focuses on covering your medical cost till your recovery with 4 affordable plans.

About your plan 

What is PRUTectorPRUMyHealth?

PRUTector is a non-participating term product, providing the protection upon Death/Total Permanent Disability (TPD). The rider that can be attached to this product is PRUMyHealth​ rider which is a personalized individual health product that focuses on covering your medical plans, allowing you to customize the health plan most suitable to you. 

 

Who is eligible to purchase PRUTectorPRUMyHealth?

You may purchase the plan if you are:

a) Entity registered and operating in Cambodia, or
b) Cambodian citizen or who has been a resident in Cambodia for at least 6 months, aged from 18 – 60 years-old.

What is the Policy Term of this coverage?

1 Year and yearly renewable 

What are the four plans I can purchase? 

Plan 1 

  • Geographical Area: Cambodia
  • Benefits

- Policy Annual Limit1 (be applied to section 1 to 4): 5,000 USD 

- Maximum Co-payment (20%) per Disability2: 100 USD

 

1. Cancer Treatment 

1.1 Inpatient and Non-inpatient Cancer Treatment (Includes chemotherapy, radiotherapy, and targeted therapy). (No sub-limit by items, with Daily Room & Board, follow item 1.2): Up to Policy Annual Limit.

1.2 Daily Room & Board actual cost per day (Maximum 80 days including ICU benefits): 25 USD 

 

2. Inpatient treatment other than cancer. Annual sub-limit (excluding cancer) 

2.1 Daily Room & Board actual cost per day (Maximum 80 days including ICU benefit): 25 USD

2.2 Daily ICU actual cost per day (Maximum 30 days): 50 USD

2.3 In-patient Surgery actual cost: 500 USD

2.4 Pre-hospitalization actual cost (up to 30 days prior to the Hospital Admission Date): 100 USD

2.5 Post-hospitalization actual cost max. 5 visits (60 days after discharge): 100 USD

2.6 In-Hospital and Related Services actual cost: 1,000 USD

2.7 Emergency Land Ambulance actual cost: 50 USD

 

3. Non-Inpatient Treatment

3.1 Day Surgery actual cost: 100 USD

3.2 Kidney-Dialysis actual cost: 500 USD


4. Pregnancy Complications (Life Assured age during the coverage must be from 20-49 years old)

4.1 In/Non-inpatient treatments actual cost (365 days Waiting Period): 500 USD


5. PRUTector (Additional Death/TPD)

5.1 Death/TPD3 (due to any causes): 5,000 USD

 

Plan 2 

  • Geographical Area: Cambodia, Vietnam, Thailand 
  • Benefits

- Policy Annual Limit1 (be applied to section 1 to 4): 10,000 USD 

- Maximum Co-payment (20%) per Disability2: 150 USD

 

1. Cancer Treatment 

1.1 Inpatient and Non-inpatient Cancer Treatment (includes chemotherapy, radiotherapy, and targeted therapy). (No sub-Limit by items, with Daily Room & Board, follow item 1.2) : Up to Policy Annual Limit.

1.2 Daily Room & Board actual cost per day (Maximum 80 days including ICU benefits): 50 USD 

 

2. Inpatient Treatment other than Cancer. Annual Sub-Limit (excluding cancer)

2.1 Daily Room & Board actual cost per day (Maximum 80 days including ICU benefit): 50 USD

2.2 Daily ICU actual cost per day (Maximum 30 days): 100 USD

2.3 In-patient Surgery actual cost: 1,000 USD

2.4 Pre-hospitalization actual cost (up to 30 days prior to the Hospital Admission Date): 250 USD

2.5 Post-hospitalization actual cost max. 5 visits (60 days after discharge): 250 USD

2.6 In-Hospital and Related Services actual cost: 2,000 USD

2.7 Emergency Land Ambulance actual cost: 100 USD

 

3. Non-Inpatient Treatment

3.1 Day Surgery actual cost: 200 USD

3.2 Kidney-Dialysis actual cost: 1,000 USD


4. Pregnancy Complications (Life Assured age during the coverage must be from 20-49 years old)

4.1 In/Non-inpatient treatments actual cost (365 days Waiting Period): 1,000 USD


5. PRUTector (Additional Death/TPD)

5.1 Death/TPD3 (due to any causes): 10,000 USD

 

Plan 3 

  • Geographical Area: ASEAN excluding Singapore 
  • Benefits

- Policy Annual Limit1 (be applied to section 1 to 4): 30,000 USD (Sub-Limit for Cambodia 10,000 USD) 

- Maximum Co-payment (20%) per Disability2: 500 USD

 

1. Cancer Treatment:

1. 1 Inpatient and Non-inpatient Cancer Treatment (includes chemotherapy, radiotherapy, and targeted therapy). (No sub-Limit by items, with Daily Room & Board, follow item 1.2) : Up to Policy Annual Limit

1. 2 Daily Room & Board actual cost per day (Maximum 80 days including ICU benefit): 250 USD


2. Inpatient Treatment other than Cancer. Annual Sub-Limit (excluding cancer)

2.1 Daily Room & Board actual cost per day (Maximum 80 days including ICU benefit): 250 USD

2.2 Daily ICU actual cost per day (Maximum 30 days): 500 USD

2.3 In-patient Surgery actual cost: 10,000 USD

2.4 Pre-hospitalization actual cost (up to 30 days prior to the Hospital Admission Date): 500 USD

2.5 Post-hospitalization actual cost max. 5 visits (60 days after discharge): 500 USD

2.6 In-Hospital and Related Services actual cost: 6,000 USD

2.7 Emergency Land Ambulance actual cost: 300 USD


3. Non-Inpatient Treatment

3.1 Day Surgery actual cost: 500 USD

3.2 Kidney-Dialysis actual cost: 3,000 USD


4. Pregnancy Complications (Life Assured age during the coverage must be from 20-49 years old)

4.1 In/Non-inpatient treatments actual cost (365 days Waiting Period): 3,000 USD


5. PRUTector (Additional Death/TPD)

5.1 Death/TPD3 (due to any causes): 30,000 USD

 

Plan 4 

  • Geographical Area: ASEAN  
  • Benefits

 

- Policy Annual Limit1 (be applied to section 1 to 4): 50,000 USD (Sub-Limit for Cambodia 10,000 USD) 

- Maximum Co-payment (20%) per Disability2: 700 USD

 

1. Cancer Treatment:

1. 1 Inpatient and Non-inpatient Cancer Treatment (includes chemotherapy, radiotherapy, and targeted therapy). (No sub-Limit by items, with Daily Room & Board, follow item 1.2) : Up to Policy Annual Limit

1. 2 Daily Room & Board actual cost per day (Maximum 80 days including ICU benefit): 500 USD


2. Inpatient Treatment other than Cancer. Annual Sub-Limit (excluding cancer)

2.1 Daily Room & Board actual cost per day (Maximum 80 days including ICU benefit): 500 USD

2.2 Daily ICU actual cost per day (Maximum 30 days): 1,000 USD

2.3 In-patient Surgery actual cost: 25,000 USD (for Cambodia 10,000 USD)

2.4 Pre-hospitalization actual cost (up to 30 days prior to the Hospital Admission Date): 1,000 USD

2.5 Post-hospitalization actual cost max. 5 visits (60 days after discharge): 1,000 USD

2.6 In-Hospital and Related Services actual cost: 10,000 USD

2.7 Emergency Land Ambulance actual cost: 500 USD


3. Non-Inpatient Treatment

3.1 Day Surgery actual cost: 2,000 USD

3.2 Kidney-Dialysis actual cost: 5,000 USD


4. Pregnancy Complications (Life Assured age during the coverage must be from 20-49 years old)

4.1 In/Non-inpatient treatments actual cost (365 days Waiting Period): 5,000 USD


5. PRUTector (Additional Death/TPD)

5.1 Death/TPD3 (due to any causes): 50,000 USD

What are the keynotes I should know about the plans above?

1. Policy Annual Limit is the maximum amount paid for Medical Expenses incurred for Medically Necessary Services per policy year. Sub-Limit is the maximum payment limit for each type of Medical Expense incurred for Medically Necessary Services per policy year.


2. Co-Payment is the amount of the actual medical cost that Policy Owner is responsible for paying for each Life Assured Event. The Life Assured’s responsibility for Co-Payment may exceed the limit when eligible expense claimed under each type of Medical Expenses exceeds the corresponding Sub-Limit.


3. In case of death or TPD during or after hospitalization, the Medical Expenses benefit for the last treatment before the confirmation of death or TPD by the Doctor will be claimable. The Policy shall be terminated after Death/TPD payment.
 

Key Exclusions
Exclusion clauses of the policy.

The key exclusions of PRUTector include but are not limited to:

  • Death/TPD due to any causes:

 

a. Suicide or self-inflicted injury

b. Any Human Immunodeficiency Virus (HIV) and/or any HIV-related illnesses

c. Criminal offense 

d. Drug/alcohol abuse or overspeeding or driving at the age below the minimum driving age or driving without a driving license are against the applicable traffic law. 

 

The key exclusions of PRUMyHealth include but are not limited to:

a. Pre-existing conditions

b. Treatment for congenital conditions

c. Pregnancy or pregnancy complications unless specifically covered.

d. Treatment for impotence or sterilization

e. Private nursing, AIDS and HIV-related diseases, and any communicable diseases required quarantine by law.

f. Psychotic, mental, or nervous disorders

g. Injury from Dangerous activities. 

h. Suicide, attempted suicide, or self-inflicted injury

i. Criminal offense.

j. Treatment by relative medical practitioner

k. War, riots, Ionising radiations, Terrorism.

l. Not medically necessary treatment (includes Routine physical examinations, fertility treatment, cosmetic surgery, dental treatment, immunization injections, etc.)

m. Private flying other than as a fare-paying passenger. 

Please refer to the Insurance Policy for detail on the exclusion clauses.