Treatment Sure

Based on experience, for about 60% of Treatment Sure cases, the experts have recommended alternative treatments to replace invasive ones like surgery and drug injections.

Here is an example. This was Ms. Xia’s experience.

• Ms. Xia, 58 years old, suffered from knee pain that was increasingly hard to cope with. She could not even sleep due to the pain.

• As a first attempt to remediate her knee problem, she went through a series of acupuncture therapy. However, no improvement was observed, and her pain persisted. She then made a visit to an orthopaedist who recommended her to have arthroscopic surgery, in order to cure her cartilage problem.

• Ms. Xia wondered whether surgery was the only option she had, so she opted for Treatment Sure.

• Through her physician case manager, Ms. Xia received independent medical opinions about her condition.

• All experts agreed on her diagnosis, but recommended her to have more conservative treatment. They suggested making lifestyle modifications such as weight control and doing quadriceps strengthening exercises, as well as hyaluronic acid injections.

• Ms. Xia followed the recommendations and was grateful that her knee pain disappeared after 8 months of treatment, with no surgery necessary.

Treatment Sure is available to you upon your completion of the cooling-off period of your plan. You must be insured under these Prudential plans.

• EasyWell Critical Illness Protector

• Evergreen Wealth Protector

• PRUHealth Baby Guardian Critical Illness Plan

• PRUHealth CoreChoice Medical Plan

• PRUHealth Critical Illness Extended Care II

• PRUHealth Critical Illness Extended Care III

• PRUHealth Critical Illness First Protect II

• PRUHealth FlexiChoice Medical Plan

• PRUHealth Guardian Critical Illness Plan

• PRUHealth medical plus

• PRUHealth secure top-up plan

• PRUHealth VHIS EasyChoice Plan

• PRUHealth VHIS VIP Plan

• PRUmed better care plan

• PRUmed care & PRUmed major

• PRUmed health care plan

• PRUmed lifelong care plan

• PRUmyhealth prestige medical plan

• PRUparent medical care & medical major plan

You can enjoy Treatment Sure for unlimited times as long as your plan remains in effect. If your plan is terminated due to a critical illness benefit claim, you can still enjoy Treatment Sure within 1 year after your plan is terminated.  

What conditions are cover?

Any non-emergency medical conditions, e.g. cancer, gastroenteric diseases and orthopaedic issues that needs a second opinion.

What conditions are excluded?

• Accidents and medical emergencies

• Urgent or life-threatening conditions

• Daily or common medical issues (such as colds, fever, flu and occasional rashes)

• Chronic disease management (such as chronic hepatitis, diabetes and high blood pressure), except for any complications of chronic diseases

• Teladoc Health provides independent medical advisory services. The second medical opinion report is intended to supplement the information you have already received from your attending doctor. The report should not be used to replace your attending doctor’s recommendations. The final decision on the medical treatment arrangement must be made solely by you.

• The medical concierge is only available after you have received your second medical opinion report. If you choose to receive treatment abroad, you will be responsible for all fees and charges required for travel and accommodation and related items. The amount you can claim for treatment expenses is subject to the benefit limit of your insurance plan.

• The Treatment Sure service  is subject to the terms and conditions of the relevant service provider. For more details, please contact the Treatment Sure Service Hotline.

• The Treatment Sure service is provided by Teladoc Health, which is an independent third-party service provider designated by us. We maintain sole discretion to change the scope of the services offered by the Treatment Sure and the service provider from time to time, without advance notice. We may also cease and/or suspend the Treatment Sure service at our sole discretion.

• We are not the service provider for this service. The relevant service provider is not our agent, and vice versa. We make no representation, warranty or undertaking as to the quality and availability of the service and shall not accept any responsibility or liability for the services provided by the service provider. Under no circumstance shall we be responsible or liable for the acts or omissions of the service provider in the provision of such services.