What does Deductible or Med Saver mean?

Deductible or Med Saver is usually a fixed amount you pay out of your pocket for medical expenses before your medical plan starts to pay out. In the case of a RM300 Deductible or Med Saver amount, you will have to pay a fixed amount of RM300 of total expenses covered under your policy for a disability (excluding the cost of daily room & board). The remaining balance of eligible benefits will be paid by Prudential up to the annual and lifetime limits, subject to reasonable and customary charges. Please refer to your policy document for more details.