Problems associated with BPH can be negated using the present ergonomically pre-contoured, valved urinary catheter. To insert, the flexible tee beam is oriented on axis with the upper catheter. It will self-toggle into the tee orientation once inside the bladder, because of a small-bore elastic tubing that extends full length inside the main catheter. The catheter assembly will remain in place until the user tugs down hard enough on the outside-the-body, small diameter, valve-actuation tensor to cause the tee beam to fold double and be small enough to be pulled from the urethra. Lesser tugs actuate the compact, distal-end valve to allow urine flow. The smooth outer surfaces of the catheter assembly will help assure that reproductive functions will not be affected.