{"id":53245,"date":"2022-06-30T16:57:16","date_gmt":"2022-06-30T08:57:16","guid":{"rendered":"https:\/\/www.imoney.my\/articles\/?p=53245"},"modified":"2023-02-23T10:48:27","modified_gmt":"2023-02-23T02:48:27","slug":"prudential-medical-booster-rm15million-annual-limit","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/prudential-medical-booster-rm15million-annual-limit","title":{"rendered":"Here\u2019s Why You Need To Plan For Your Healthcare As A Gen-Z"},"content":{"rendered":"<p><a href=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2019\/05\/in-partnership-with-prudential3.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-38353\" src=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2019\/05\/in-partnership-with-prudential3.jpg\" alt=\"\" width=\"296\" height=\"63\" srcset=\"\/articles\/wp-content\/uploads\/2019\/05\/in-partnership-with-prudential3.jpg 400w, \/articles\/wp-content\/uploads\/2019\/05\/in-partnership-with-prudential3-300x64.jpg 300w\" sizes=\"(max-width: 296px) 100vw, 296px\" \/><\/a><\/p>\n<p>In 2020, Malaysians ended up <a href=\"https:\/\/codeblue.galencentre.org\/2021\/12\/07\/malaysia-out-of-pocket-health-spending-more-than-triples-in-15-years\/\" target=\"_blank\" rel=\"noopener\">paying a lot of their medical expenses out of pocket<\/a> (RM23.1 billion to be exact!) despite having access to government health services.<\/p>\n<p>The skyrocketing treatment costs highlight the need for young adults to have a good medical plan as early as possible to avoid having financial worries due to illness. You might think to yourself, \u201c<em>I don\u2019t need medical protection. I\u2019m still young and healthy.\u201d<\/em><\/p>\n<p>Well, think of it this way, you might be able to afford an RM50 fee when seeing a doctor in a private clinic or RM200 for a specialist consultation. But what happens if you have to pay RM4,000 to RM20,000 for medical treatment or surgery?<\/p>\n<p>How expensive are medical treatments in Malaysia today? Here&#8217;s the average cost for these common treatments.<\/p>\n<ul>\n<li>Angiogram: RM15,000 &#8211; RM45,000<\/li>\n<li>Kidney Stone Surgery: RM9,000 &#8211; RM40,000<\/li>\n<li>Knee Replacement Surgery: RM25,000 &#8211; RM80,000<\/li>\n<li>Spine Surgery: RM40,000 &#8211; RM55,000<\/li>\n<\/ul>\n<p><em>Source: <\/em><a href=\"https:\/\/www.centre.my\/post\/healthcare-costs-in-malaysia\" target=\"_blank\" rel=\"noopener\"><em>The Centre<\/em><\/a><\/p>\n<p>With the <a href=\"https:\/\/insights-north-america.aon.com\/research\/2022-global-medical-trend-rates-report\" target=\"_blank\" rel=\"noopener\">cost of medical treatment expected to rise<\/a> in 2022 and beyond, can you afford to keep up with the medical costs in 5, 10 or 20 years ahead?<\/p>\n<p>And with <a href=\"https:\/\/www.imoney.my\/articles\/rising-medical-costs\" target=\"_blank\" rel=\"noopener\">medical inflation<\/a> happening at a double-digit rate over the past few years, you can expect healthcare and treatment costs to rise significantly.<\/p>\n<p>So, while you might have a medical protection plan today that can cover the necessary costs, it may not be enough to cover your medical expenses in 10 years if treatment costs continue to rise.<\/p>\n<div class=\"block\"><div><\/p>\n<p><em>What if you can get a medical plan that grows with you to keep up with medical expenses?<\/em><\/p>\n<p><em>Imagine<\/em> if your medical plan comes with:<\/p>\n<ul>\n<li>Guaranteed auto-increasing coverage (RM100,000 to RM150,000 annually). A coverage that builds up to RM15 million.<\/li>\n<li>Extensive pre, during and post-hospitalisation coverage.<\/li>\n<li>Up to RM1,000 annual rewards for preventive care services when staying healthy and no claims are made the previous year.<\/li>\n<\/ul>\n<p><a href=\"https:\/\/www.prudential.com.my\/en\/our-company-newsroom\/announcements\/medical-plans-that-grow-with-you?utm_source=iMoney&amp;utm_medium=Editorial&amp;utm_campaign=Medical+Booster+&amp;utm_id=Medical+Booster\" target=\"_blank\" rel=\"noopener\"><strong>PRUValue Med Booster and PRUMillion Med Booster<\/strong><\/a> does all of that and more!<\/p>\n<p><\/div><\/div>\n<p><em>Still not convinced?<\/em><\/p>\n<p>Then let us take a journey with two young adults &#8211; Paul and Ken- as they take two different paths in managing their healthcare.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Find out the real cost of not planning your healthcare early.<\/p>\n","protected":false},"author":47,"featured_media":53263,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[31,133,256,1051,236],"tags":[208,1006,434,1008,1007],"class_list":["post-53245","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-infographic","category-insurance","category-lifestyle","category-prudential","category-sponsored","tag-featured","tag-medical-plan","tag-prudential","tag-prumillion-med-booster","tag-pruvalue-med-booster"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How To Plan For Rising Healthcare Costs In Malaysia?<\/title>\n<meta name=\"description\" content=\"Medical treatments are getting more expensive which means that the cost of healthcare will keep going up. 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