are you expecting? - prudential malaysia · are you expecting? first comes the excitement, followed...

As a mother-to-be, you hope and dream that the child in your womb will be safe, healthy, and happy.

You’re not alone - we’re here with you to support that dream.

Are you expecting? First comes the excitement, followed by immediate worry.Have you come across these statistics before?

Pregnancy ComplicationsThe risk of obstetric embolism (which includes amniotic fluid embolism - amniotic fluid entering the blood stream of the mother) has been recorded to be the highest risk to cause maternal deaths (23.0 percent).^

InfantsThe Malaysian Ministry of Health has reported that 12.3 percent of 500,000 babies are born prematurely* each year in Malaysia, while the Singapore Medical Journal also found an incidence of 2.59 per 1,000 babies in Malaysia being admitted to the neonatal intensive care unit (NICU) for perinatal asphyxia# (deprivation of oxygen which causes physical damage).

Toddler Under Five Years OldSome of the causes of death of toddlers under 5 years old are transport accidents and accidental drowning & submersion.^

^ Statistics on Causes of Death, Malaysia, 2017 by Department of Statistics Malaysia

* http://www.theborneopost.com/2014/11/17/12-3-per-cent-babies-born-premature-in-msia-yearly-health-ministry/

# https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4993971/

Let’s build a starter-kit for your little one!One of the best ways to save enough for your child’s education is through regular investments, and we understand that the higher education necessary for their future can be costly. Financial protection features in child plans ensure that your child gets the best in the future even in your absence.

What would be your top priorities for your little one’s starter-kit?

Pregnancy complications

Juvenile Critical Illnesses

Education Fund

Medical & Hospitalisation Fees

Critical Illness

Accidental Coverage

Death and Total and Permanent Disability (TPD)1 of parent

Sources:

1 TPD coverage is available prior to the Policy Anniversary Date of age 70.

10 weeks ofpregnancy

12 weeks of

Emily is a healthy, n o n - s m o k i n g , soon-to-be mother who will be turning30 on her next birthday. She is expecting her first child.

Like any other mother, she found pregnancy to be a happy but stressful time.

Infant Care Plus covers Emily and her child for selected pregnancy complications and also in the event of their passing away.

Medical reimbursement due to selected congenital illnesses is also covered.

This rider terminates when Emily’s child attains age 5.

ChildBirth

Pregnancy Complications and Congenital Illnesses

Until age 25, Essential Child Plus provides Critical Illness coverage relevant to the needs of Emily’s child as it focuses on child-prone conditions.

Juvenile Critical Illness

After 3 years, Emily is planning for a second child. Given that Emily has already had a fully underwritten policy with us while she was pregnant and that she is still healthy, the policy for her next child can be offered with EASE2.

Easy And SimpleEnrolment (EASE)2

Crisis Care will replace Essential Child Plus to provide 36 relevant adult Critical Illness coverage when Emily’s child attains age 25.

Adult Critical Illness

Parent Payor Basic and Saver will pay this policy’s premiums if Emily passes away, experiences TPD1, or Critical Illness and will cease when her child attains age 25.

Payor Basic and Saver will then continue to protect this policy in the event of TPD1 or Critical Illness of Emily’s child.

Policy Protection

To supplement her child’s education, PRUsaver kid will payout a lump sum of savings that Emily has accumulated throughout the length of this policy. The more Emily puts aside for this, the higher the amount she can expect to be paid out.

Education Fund Payout

PRUwith you provides a lump sum benefit in the event of death/Total and Permanent Disability (TPD)1 of Emily’s child.

Basic Protection

Acci Guard Plus and Acci Med Plus provide lump sum benefit and medical reimbursement benefit in the event of her child’s disability due to accidental causes respectively.

Accident

18 years old

PRUsaver kid payout for the child’s education

Education Fund

25 years old

Emily’s child takes over as Policy Owner

PRUvalue med provides medical reimbursement with no lifetime limits for Emily’s child in the event of hospitalisation.

Hospitalisation

2nd

Child

After 3 years

1TPD coverage is available prior to the Policy Anniversary Date of age 70.2Terms and Conditions apply.

pregnancy

PolicyIncepted

14 weeks ofpregnancy

She came across PRUmy child plus, an insurance solution for prenatal children and decided to get her unborn baby insured. Together with her Prudential agent, they customised a solution for her unborn baby with just RM250 per month.

Here is an example you could refer to before purchasing your child's insurance policy.

First rule of parenting:Your love should protect till the end

Life Assured: Emily’s child, Female Non-Smoker, prenatal Policy Owner: Emily, Female Non-Smoker, age 30

Package Annual Premium: RM3,000 (age 70 sustainability option) Fund Selection: 100% PRUlink managed fund II

PRUwith you Basic Sum Assured RM100,000• RM100,000 will be paid out in one lump sum in the event of death/ TPD1 3 of Emily’s child.

• The TPD1 coverage is important as it would provide some financial cushion in the unfortunate event of TPD1 of her child.

• The death coverage will become very meaningful in the future as this policy will be vested to the child at age 25, at which time the child will become the owner of this policy.

Infant Care Plus Plan 2• This rider covers Emily with Pregnancy Care benefits and her child with Child Care benefits.

• Under Pregnancy Care benefit, RM5,000 will be paid out for the first occurrence of any covered pregnancy complications. A lump sum amount will also be paid out in the event of death of the foetus or mother.

• Among other coverages, Child Care benefit will pay RM200 daily for incubation4 of the child. Medical reimbursement due to child’s congenital conditions5 is covered to complement the coverage from the medical plan. RM1,000 will be paid upon diagnosis of Infectious Diseases such as Severe Measles, Typhoid Fever, and Severe Hand Food Mouth Disease.

Essential Child Plus Rider Sum Assured RM100,000• Essential Child Plus will pay a percentage of the Rider Sum Assured upon diagnosis of a

covered child-specified illness and the prevailing Rider Sum Assured will be converted to Crisis Care upon policy anniversary when Emily’s child attains age 25 next birthday.

PRUvalue med Room & Board 200, Med Value Point RM1 million and Med Saver 300• PRUvalue med reimburses Emily’s child’s medical expenses according to the selected

benefits in the event of hospitalisation or outpatient treatment due to illness or injury.

Acci Guard Plus Rider Sum Assured RM100,000• Acci Guard Plus will pay the Rider Sum Assured on death or TPD1 due to accident or a

percentage of the sum assured on disablement due to accident before policy anniversary of age 70 next birthday. In addition, the rider also pays compassionate benefit upon death.

Acci Med Plus Rider Sum Assured RM5,000• Acci Med Plus reimburses the actual expenses incurred for medical treatment, hospital

confinement or nursing services due to accident before policy anniversary of age 70 next birthday up to the Rider Sum Assured within 104 weeks from the date of accident. It also reimburses the actual expenses for traditional & complementary treatment, up to RM1,500, incurred within 90 days from the date of accident. In addition, it also pays overseas companion allowance and prosthesis/wheelchair allowance.

PRUsaver kid Annual Premium RM400• The payout at age 18 is projected to be RM12,527 under high and RM7,872 under low

investment returns scenario respectively. More premium can be directed to PRUsaver kid for the chance of a higher expected payout.

Payor Basic Rider Sum Assured RM2,600• Payor Basic pays the Insurance Premium throughout the rider benefit term upon Emily’s

child suffering from TPD1 before policy anniversary of age 70 next birthday or diagnosis of a covered Critical Illness.

Payor Saver Rider Sum Assured RM400• Payor Saver pays the Investment Premium throughout the rider benefit term upon Emily’s

child suffering from TPD1 before policy anniversary of age 70 next birthday or diagnosis of a covered Critical Illness.

Parent Payor Basic Rider Sum Assured RM2,600• Parent Payor Basic pays the Insurance Premium throughout the rider benefit term upon

Emily suffering from TPD1 before policy anniversary age 70 next birthday, death or diagnosis of a covered Critical Illness.

Parent Payor Saver Rider Sum Assured RM400• Parent Payor Saver pays the Investment Premium throughout the rider benefit term upon

Emily suffering from TPD1 before policy anniversary age 70 next birthday, death or diagnosis of a covered Critical Illness.

Considering Emily has already been fully underwritten for this policy and did not have any material change in her health status, we would be able to offer Emily’s future children coverage with EASE2. This cuts through the hassle of obtaining more medical test results that would be required at underwriting.

• The premium shown here is for a 14-week-old foetus with a healthy 30-year-old non-smoking mother. The required premiums may differ based on the customer profile and also amount of coverage purchased.

• Illustration for PRUlink managed fund II is based on a high projected investment return scenario of 8.0% p.a. for the first 20 years and 5.5% p.a. thereafter and a low projected investment return scenario of 3.0% p.a. throughout. The projected values are for illustrative purposes only. These values are neither guaranteed nor based on past performance of the investment-linked funds.

1TPD coverage is available prior to the Policy Anniversary Date of age 70.2 Easy And Simple Enrolment. Terms and Conditions apply.3 In the event of a claim arising from TPD or death on life of the child before age 5 next birthday, the amount of Basic Sum Assured paid out will be subjected to Juvenile Lien as specified in the Policy Document.

4This benefit amount for daily incubation is only payable for the first 60 days from the child’s date of birth.

5The medical reimbursement due to congenital conditions benefit is limited to RM15,000 and RM30,000 for Plan 1 and Plan 2 respectively.

PRUmy child plus PRUmy child plusB

AS

IC P

LAN

RID

ER

S

RID

ER

S

NOTES:

Savings/Investment RidersCultivate the habit of saving and investing regularly with PRUsaver or PRUsaver kid rider which improves your money’s worth with potentially higher returns and increased cash value.

For further details and the full list of benefits regarding the basic plan and these riders, please refer to the Sales Illustration and Policy Document.

1TPD coverage is available prior to the Policy Anniversary Date of age 70.

3. What is Infant Care Plus and what benefits does it provide?

Infant Care Plus is a plan which provides both Pregnancy Care Benefit and Child Care Benefit. It serves to bridge the gap between the crucial periods of your pregnancy and the birth of your child. Although this rider has a 5-year benefit term, insurance charges will only be deducted twice - upon inception and also at the 13th month after policy inception. The coverage for year 3 to 5 is provided free of charge.

Here is an illustration of how Infant Care Plus works:

Pregnancy Complications RM2,500

RM2,500

Eclampsia, Abruptio placentae, Amniotic fluid embolism, Acute fatty liver of pregnancy, and Disseminated Intravascular Coagulation

Maternal Deathup to 30 days from delivery

Admission into ICU/HDU within first year from birth

Infant DeathWithin 30 days of birth

Incubation of Newborn Child Within 60 days from birth

Neonatal JaundiceRequiring Phototherapy Treatment within 60 days from birth

Congenital Conditions8

Hospitalisation of child

Infectious Disease9

Lump sum payout upon diagnosis (once per lifetime)

Death of Foetus

PLAN1 PLAN2Additional RM500

if accompanied with GDM

Reimbursement of hospitalisation

claims up to RM15,000

annually (up to age 5 years)

Reimbursement of hospitalisation

claims up to RM30,000

annually (up to age 5 years)

RM5,000

RM5,000

RM2,500 RM5,000

RM10,000 RM20,000

Additional RM1,000 if

accompanied with GDM

RM300daily

(max 60 days)daily

(max 60 days)

RM500

RM100daily daily

RM200

RM500Lump sum

RM1,000Lump sum

RM500Lump sum

RM1,000Lump sum

Before Birth

Birth

ChildCare Benefit7

After Birth-5 years old

6 & 7For further details regarding the Pregnancy Care Benefit and Child Care Benefit, please refer to your Policy Document.8 & 9Refer to the next page for the lists of covered congenital conditions and infectious disease.

PregnancyCare Benefit6

1. What is PRUmy child plus?

PRUmy child plus is a proposed solution offered by our product PRUwith you as its basic plan. Attached with prenatal, Critical Illness, medical, accidental, and payor riders, it is a comprehensive insurance solution that will meet all your child’s protection needs. With PRUsaver kid, this plan would then also function as a savings plan for your child’s education.

2. What is PRUwith you?

PRUwith you is a regular premium investment-linked insurance plan which pays the Basic Sum Assured upon the diagnosis of Total and Permanent Disability (TPD)1 before the Policy Anniversary Date of age 70 or death of the Life Assured, whichever occurs first. Rest assured that the Basic Sum Assured will be paid out because we will pay the amount upon survival of the Life Assured to policy maturity.

Being a basic plan, the following riders are attachable to be tailored to meet your individual financial and protection needs:

Prenatal RiderProtect both mother and foetus with Infant Care Plus rider, which provides both Pregnancy Care Benefit and Child Care Benefit. Amongst other coverages, Pregnancy Care Benefit would cover against possible pregnancy complications before birth and Child Care Benefit would provide coverage from incubation to hospitalisation due to selected congenital conditions.

Critical Illness RidersEase your mind and focus on your recovery with Crisis Care rider and Crisis Guard rider which offer additional and accelerated lump sum payment benefits respectively upon the diagnosis of any of the covered 36 Critical Illnesses.

Designed especially for the young ones, Essential Child Plus rider would provide coverage against specified child Critical Illnesses until the Policy Anniversary where the Life Assured attains age 25, at which time it will automatically convert to Crisis Care rider in order for the coverage to remain relevant.

Medical RidersSet your worries aside with PRUvalue med, a comprehensive medical plan with no annual and lifetime limits for expenses incurred in the event of hospitalisation. The plan comes with various levels of Hospital Daily Room & Board and deductibles to cater to your needs.

To extend your medical safety net overseas, you can attach PRUmedic overseas which enables access to treatment in Singapore, Hong Kong or China for 5 covered illnesses.

Accidental RidersObtain accidental coverage with Acci Guard Plus, Acci Med Plus, and Acci Income Plus which provide lump sum benefits, medical reimbursement and income respectively for disabilities due to accidental causes.

Payor RidersConcerned about your policy when the unspeakable happens? Our Payor riders will pay for your plan in the event of death (if applicable), TPD1 or Critical Illness of yourself or your covered family members. This will be made possible using our Payor, Parent Payor, 2Parent Payor, and Spouse Payor riders.

If more than one Payor rider triggers at once, not only will the premiums of the policy be borne by Prudential, but an amount equal to the Rider Sum Assured purchased will be allocated into the policy’s Account Value with 100% allocation, allowing for more funds for the policy owner.

All about PRUmy child plus All about PRUmy child plus

5. What is Crisis Care and what benefits does it provide?

Crisis Care rider is designed to pay a lump sum benefit upon diagnosis of any of the following 36 Critical Illnesses:

* For Angioplasty and Other Invasive Treatments for Coronary Artery Disease, only 10% of the Rider Sum Assured or RM25,000.00, whichever is lesser, is payable.

** Only 50% of the Rider Sum Assured is payable under Full-Blown AIDS.

Any claims on this benefit will not affect the coverage of your basic plan. For a more economical Critical Illness solution, the Crisis Guard rider may be attached instead. It provides the same coverage as the Crisis Care rider, but claims on its benefit will accelerate the coverage of your basic plan.

8The list of covered congenital conditions:

• Transposition of the Great Vessels • Coarctation of the Aorta • Tetralogy of Fallot• Congenital Diaphragmatic Hernia • Oesophageal Astresia• Trachea-oesophageal Fistula• Anal Atresia• Down’s Syndrome • Retinopathy of Prematurity

• Infantile Hydrocephalus• Cerebral Palsy • Spina Bifida • Congenital Cataract• Congenital Deafness• Cleft Lip and/or Cleft Palate • Ventricular Septal Defect• Atrial Septal Defect

9The list of covered infectious disease:

Claim payable upon diagnosis Claim payable upon hospitalisation

• Severe Measles • Severe Hand, Foot, and Mouth Disease• Chikungunya Fever• Typhoid Fever • Rabies

• Zika Virus• MERS-CoV• Ebola• SARS• Influenza A-Avian Influenza A(H7N9) & A (H5N1)• Nipah Virus Encephalitis• Japanese Encephalitis• Creutzfeldt-Jakob disease• Malaria

4. What is Essential Child Plus and what benefits does it provide?

Essential Child Plus rider pays a percentage of the Rider Sum Assured upon the diagnosis of the child’s specified illness. At the Policy Anniversary where the child attains the age of 25, this rider will automatically convert to Crisis Care rider with coverage equivalent to the prevailing Rider Sum Assured at the time of conversion.

The following specific illnesses are covered under Essential Child Plus:

Note: For definitions on each condition and illness, please refer to the Policy Document.

20%of Rider Sum Assured

a) Severe Asthmab) Glomerulonephritis

with Nephrotic Syndrome

c) Severe Epilepsy

100%a) Leukaemiab) Insulin Dependent Diabetes Mellitusc) Rheumatic Fever with valvular impairmentd) Kawasaki diseases with heart complicationse) Severe Juvenile Rheumatoid Arthritisf) Intellectual impairment due to illness or

accidentg) Severe Haemophilia A and Haemophilia B

of Rider Sum Assured

1. Stroke 19. Encephalitis

2. Heart Attack 20. Major Organ / Bone Marrow Transplant

3. Kidney Failure 21. Loss Of Speech

4. Cancer 22. Brain Surgery

5. Coronary Artery By-Pass Surgery 23. Surgery of Aorta

6. Serious Coronary Artery Disease 24. Loss Of Independent Existence

7. Angioplasty And Other Invasive 25. Bacterial Meningitis

Treatments For Coronary 26. Major Head Trauma

Artery Disease* 27. Chronic Aplastic Anemia

8. End-Stage Liver Failure 28. Motor Neuron Disease

9. Fulminant Viral Hepatitis 29. Parkinson’s Disease

10. Coma 30. Alzheimer’s Disease / Severe Dementia

11. Benign Brain Tumour 31. Surgery To Aorta

12. Paralysis Of Limbs 32. Multiple Sclerosis

13. Blindness 33. Primary Pulmonary Arterial Hypertension

14. Deafness 34. Medullary Cystic Disease

15. Third Degree Burns 35. Cardiomyopathy

16. HIV Infection Due To Blood Transfusion 36. Systemic Lupus Erythematosus

17. Full-Blown AIDS** With Severe Kidney Complications

18. End-Stage Lung Disease


The benefits provided by PRUvalue med are:

Benefits Benefit AmountRoom & Board Benefits

a.HospitalDailyRoom&Board (R&B)Up to 150 days per year

Flexible option betweenRM100 and RM600 per day

(Increments in multiples of RM100 per day)

Hospital & Surgical Benefitsb.IntensiveCareUnit/Cardiac

CareUnitUp to 90 days per year

As Charged 10

c.In-hospital&RelatedServices· Surgical Benefit· Hospital Supplies and Services· Operating Theatre· Anaesthetist Fees · In-Hospital Specialist’s Visit

Limited to 2 visits per day

As Charged 10

Outpatient Treatment Benefitsd.Pre-hospitalisationTreatment

Within 60 days before hospitalisation

e.Post-hospitalisationTreatmentWithin 90 days after hospital discharge

f.HomeNursingCare Up to 180 days per lifetime

g.DaySurgeryh.DayCareProcedure

As Charged 10

i. OutpatientCancerTreatmentj. OutpatientKidneyDialysis

As Charged 10

Up to 1.5 times of the initial Med Value Point per lifetime (including take-home drugs, examination tests & consultation)

Other Benefitsk.MaternityComplicationsBenefit

for female Life Assured only Up to RM5,000 per year

l. IntraocularLens Up to RM6,000 per lifetime

m.EmergencyTreatmentForAccidentalInjury Up to 10 times of Hospital Daily R&B amount per year

MedSaverorDeductible11

Yes or No.

If Yes, flexible option: Med Saver RM300, Deductible RM20,000, Deductible RM50,000,

Deductible RM75,000 or Deductible RM100,000

MedValuePoint Flexible option: RM1 million, RM1.5 million or RM2 million

MedValuePointBonus

Med Value Point increases at 2% of the initial Med Value Point at the end of every 2 policy years, provided no claim has been incurred during the

2 policy years.

Applicable to plans with Hospital Daily Room & Board of RM300 and above.

EmergencyMedicalAssistance YesExpertMedicalOpinion12 Yes

All about PRUmy child plus

1 Med Saver or Deductible option

2 Med Value Point: RM1 million, RM1.5 million, RM2 million

Med Saver or Deductible option gives you the flexibility to have a medical plan that is tailor-made to fit your needs.

3 Med Value Point Bonus

Rewards you for staying healthy by increasing your Med Value Point.

5 More Benefits

Additional benefits on top of what you would expect from a medical plan.

4 100% Non-Cancellable

PRUvalue med is non-cancellable unless there is fraud or any circumstance that makes the policy or rider voidable or null and void. This depends on all premiums being duly paid and the rider being in force.

Allows you to enjoy the premiums saved to increase your coverage.

Save time & go home

1st RM1.5 million• 100% of the total claims will be paid by PrudentialSubsequent RM500,000• 80% will be paid by Prudential• 20% will be borne by policyholder

MORE value in every way

Med Saver300

Day Care Procedure

HomeNursingCare

Provides extension to your existing medical plan as a safety net for unexpected

healthcare costs.

Deductible20,000 / 50,000 /75,000 / 100,000

OR

PRUvalue med is the first medical plan with no annual and lifetime limits to provide you continuous coverage. In the event that the total accumulated eligible claims paid exceed the initial Med Value Point plus any accumulated Med Value Point Bonus, we will still pay 80% of the excess eligible benefit cost.

2%

2%

Emergency Treatment for Accidental Injury

11 Maternity ComplicationBenefits

This means that PRUvalue med isGuaranteed Renewable

Example:Total eligible claims of RM2 million Med Value Point RM1.5 million

Take-home Drugs Consultation Fees Examination Test

OutpatientCancer &KidneyTreatment

GETMORE

SAVINGS

Higher CashValue

GETMORE

PROTECTION

Better Protection

GETMORE

BENEFITS

Better Medical Plan

6. What is PRUvalue med and what benefits does it provide?

PRUvalue med is a medical rider that reimburses medical expenses incurred in the event of hospitalisation and for outpatient treatment. PRUvalue med offers you:


In fact, what may seem enough today in one’s medical plan may become insufficient in the future. PRUvalue med helps you safeguard against rising healthcare costs, and allows you to have peace of mind knowing that you will have adequate and lifelong protection.

8. What is Med Saver 300?

If Med Saver 300 is chosen, you must first pay a fixed amount of RM300 out of the eligible benefits before Prudential pays for any expenses (excluding the cost of Hospital Daily Room & Board and Intraocular Lens) for any one disability.

Med Saver 300 applies to Hospital & Surgical Benefits, Outpatient Treatment Benefits, Maternity Complications Benefit and Emergency Treatment for Accidental Injury Benefit.

Med Saver 300 allows you the flexibility to enjoy premium savings where the premium saved can be used to enhance your coverage and retirement funds.

GET

MORESAVINGS

Higher Cash Value

GET

MOREPROTECTION

Better Protection

Use the premium saved for other goals

GET

MOREBENEFITS

Better Medical Plan

9. How does Med Saver 300 work?

Med Saver 300 Scenario

Emily is a 30-year-old female working as an Accountant (Occupation Class 1).

She has bought PRUwith you (with Death and TPD1 Benefit) for her child at the prenatal stage, attached with Essential Child Plus (with Critical Illnesses Benefit) and PRUvalue med (PVM) on 1 February 2018 with annual premium of RM3,250 and she has selected an equity fund. 1TPD coverage is available prior to the Policy Anniversary Date of age 70.

10We shall only reimburse Reasonable and Customary charges on eligible expenses which are deemed Medically Necessary.

11If Med Saver is chosen, policyholder must first pay a fixed amount equivalent to Med Saver selected out of the total Reasonable and Customary Charges of eligible benefits, which are Hospital & Surgical Benefits, Outpatient Treatment Benefits, Maternity Complications Benefits and Emergency Treatment For Accidental Injury (excluding the cost of Hospital Daily Room & Board and Intraocular Lens) for any one disability.

Otherwise, if Deductible is chosen, policyholder must first pay a fixed amount equivalent to the Deductible selected out of the total Reasonable and Customary Charges of accumulated eligible benefits, which are Hospital Daily Room & Board, Hospital & Surgical Benefits, Outpatient Treatment Benefits and Other Benefits within an annexure year.

If Med Saver and Deductible are not chosen, the fixed amount shall not apply.12Expert Medical Opinion is a value added service that provides second medical opinion from

medical experts in various areas of specialisation. This service is to assist you to learn more about your medical conditions and make an informed decision on the treatment plans.

Note: For Overseas Treatment, if the Life Assured chooses to have or is referred to be treated outside Malaysia, the benefits for the treatment are limited to the Reasonable and Customary and Medically Necessary charges for equivalent local treatment in Malaysia and subject to 90 days residence limit.

7. Do you have any medical coverage that can be extended to your child?

NO YES

OR

PRUvalue med with Med Saver 300

PRUvalue med withoutMed Saver

Is there anyannual limit

orlifetime limit

on your existing medical coverage?

Read more about Med Saver in this brochure

Is your existing medical coverage sufficient to cope with

the rising healthcare costs?

Medical Treatment Current Cost (RM) Cost In 20 Years (RM)

Cataract 3,500 to 5,000 24,000 to 34,000

Heart attack 10,000 to 30,000 67,000 to 202,000

Knee replacement 15,000 to 40,000 101,000 to 270,000

Hip replacement 18,000 to 50,000 121,000 to 336,000

Cancer 18,000 to 300,000 121,000 to 2,018,000

Stroke 35,000 to 75,000 235,000 to 505,000

Kidney failure 150,000 and above 1,009,000 and above

Source:http://www.thestar.com.my/business/business-news/2015/10/04/planning-for-healthcare-costs-in-retirement/?style=biz

A guide on rising healthcare costs

We have a solution for you!Extending your medical safety net with

PRUvalue med with Deductible


A year after her child is born, the child is diagnosed with an illness and admitted to a hospital, and incurs a medical bill of RM200,000.

ILLUSTRATION

Paid by existingmedical plan

Paid by Prudential

Extended coverage for that policy yearDeductibleRM50,000 RM150,000

Note: The above scenario is for illustration purposes only and all benefits are subject to waiting periods.Please refer to the Policy Document for the detailed terms and conditions.

12. What is Med Value Point (MVP)?Claims on eligible benefits will be payable in full (subject to Med Saver or Deductible, if applicable) up to the initial Med Value Point plus any accumulated Med Value Point Bonus. If the total accumulated eligible claims paid exceed the initial Med Value Point plus any accumulated Med Value Point Bonus, we will still provide continuous coverage up to the expiry age by paying 80% of the excess eligible benefit cost.

Outpatient Cancer Treatment and Outpatient Kidney Dialysis Benefits will be up to 1.5 times of the initial Med Value Point. Claims on Outpatient Cancer Treatment and Outpatient Kidney Dialysis Benefits will be counted as part of Med Value Point.

13. How does Med Value Point work?

Med Value Point ScenarioEmily has bought a PRUvalue med for her child, with MVP RM1.5 million.

PRUvalue med with MVP RM1.5 million

Total claims RM2 million of the total eligible

benefits, which exceed the MVP by RM500,000

We pay RM400,000(80% of RM500,000)

Emily pays RM100,000(20% of RM500,000)

20%

80%

RM1.5million RM500,000

Fully Paid byPrudential Prudential pays 80%

RM400,000Customer pays 20%RM100,000

MVP

Coverage continues until

age 100

She would have the following options:

Description

Annual Premium

Cash Value @ Policy year 30*

Death & TPD

Critical Illnesses

Infant Care Plus

Med Value Point

Room & Board

Remarks

PVM withoutMed Saver

(RM)

3,250

105,696

100,000

100,000

-

1 mil

300

-

PVM withMed Saver 300

(RM)

2,380

75,842

100,000

100,000

-

1 mil

300

Saved RM870per year

Allocate RM870into PRUsaver kid

for savings purposes

3,250

88,817(and payout of 29,379 @ 18

years old)

100,000

100,000

-

1 mil

300

HigherCash Value

Additional infantbenefits and

doubles the lifeand Critical

Illness coverage

3,250

113,859

200,000

200,000

Plan 1

1 mil

300

HigherProtection

Increase the medical

coverageof PVM

Get MoreSavings

use premium saved for other goals (RM)RM870

Get MoreProtection

Get MoreBenefit

3,250

103,680

100,000

100,000

-

2 mil

400

Higher Medical

Coverage

*Illustration is based on a high projected investment return scenario (i.e. 9% p.a. for the first 20 years and 6% p.a. thereafter). The projected values are for illustrative purposes only. These values are neither guaranteed nor based on past performance of the investment-linked funds.

10. What is Deductible?

If Deductible is chosen, you must first pay a fixed amount equivalent to the Deductible selected out of the total accumulated eligible benefits within an annexure year, before Prudential pays the rest of the expenses. The costs of the eligible benefit accumulated for that annexure year will not be carried forward to the next annexure year.

If you already have a medical plan with an annual limit equivalent to (or higher than) the Deductible amount, the eligible expenses in excess of the Deductible selected will be covered by PRUvalue med.

Deductible applies to Hospital Daily Room & Board Benefit, Hospital & Surgical Benefits, Outpatient Treatment Benefits and Other Benefits.

11. How does Deductible work?

Deductible RM50,000 ScenarioEmily already has another existing medical plan provided by her employer which will also cover her child, with RM50,000 annual limit. To extend her child’s medical coverage, she bought a PRUvalue med for her child with Deductible RM50,000 and Med Value Point RM1.5 million.


18. How much premium do I have to pay?

The total premium that you have to pay and the policy terms may vary depending on our underwriting requirements. You are given one month’s grace period after the due date for the payment of premium. The premiums are payable throughout the duration of the plan up to its maturity.

Premiums can be paid yearly, half-yearly, quarterly or monthly via Auto Debit, Credit/Debit Card or Cash/Cheque.

19. How will my regular premiums be invested?

We will allocate a portion of the premium to purchase units in the investment-linked fund(s). Any unallocated amount will be used to pay commissions to agent/Wealth Planner and other expenses by us. You are advised to refer to the allocation rates given in the Sales Illustration.

Through our PRUlink and PRUlink global funds that can cater to the financial risk appetite of a wide range of customers, you can have your premium invested in both local and even global markets. This way, you would have control not only over the amount of risk you are exposing your investments to, but can also widen your investment scope internationally.

20. Who can take up this package?

As this package consists of a few components, different terms of eligibility (age next birthday) may be applicable to each individual component as follows:

Basic Plan/Rider Minimum Maximum

PRUwith you 14 weeks into pregnancy 70 years old

Infant Care Plus For child: 14 weeks into pregnancyFor mother: 18 years old

For child: 35 weeks into pregnancyFor mother: 45 years old

Essential Child Plus 14 weeks into pregnancy 15 years old

PRUvalue med 14 weeks into pregnancy 70 years old

21. What are the waiting periods that I should be aware of?

The eligibility for the benefits under the policy will start only after the waiting periods below from the effective date of the policy. Where Life Assureds of PRUwith you are unborn children, a waiting period of 30 days from birth will be applicable for benefits in the policy other than those provided for by Infant Care Plus. Otherwise, there is no waiting period for the death and TPD1 coverage under PRUwith you.

14. What is Med Value Point Bonus?

For plans with Hospital Daily Room & Board (R&B) of RM300 and above, and for every 2 policy years where you do not incur claims, we will reward you with Med Value Point Bonus which increases your Med Value Point (MVP) by 2% of the initial MVP.

When total claims paid exceed the initial Med Value Point plus any accumulated Med Value Point Bonus, no further Med Value Point Bonus shall be provided even if there are no further claims.

15. Is the PRUvalue med coverage non-cancellable?

PRUvalue med is non-cancellable which also means PRUvalue med coverage is guaranteed unless there is fraud or any circumstance that makes the policy or PRUvalue med voidable or null and void. This depends on all premiums being duly paid and PRUvalue med being in force.

16. Can I align the date my PRUvalue med’s deductible resets with existing coverage that I have for my child?

Date of Deductible is a facility to match the Deductible reset date13 of PRUvalue med with Deductible with the annual limit reset date14 of your existing medical plan. By matching the Date of Deductible, you can have seamless and uninterrupted coverage with both existing medical plan and PRUvalue med with Deductible.

If you choose PRUvalue med with Deductible and do not provide the Date of Deductible, the Date of Deductible will be defaulted to PRUvalue med’s effective date (i.e. Date of Annexure).

When Date of Deductible and/or any of PRUvalue med with Deductible’s benefit is amended (i.e. Hospital Daily Room and Board, Med Value Point or Med Saver/Deductible), Deductible accumulation will restart from zero and re-accumulate each time from the new effective date and Date of Deductible.13The date at which the accumulated Deductible amount resets to zero.14The date at which the annual claimable amount resets to the annual limit of the medical plan.

17. How do I enjoy continuous coverage up to age 100?

PRUwith you and its attachable riders (other than accidental and juvenile riders) will expire when the Life Assured reaches age 100 years old. However, coverage to expiry age is subject to the policy having sufficient account value to cover all the policy charges such as insurance charges, other fees and charges which are deducted from the account value. This would mean that the policy needs to have a positive account value in order for coverage to remain in force. To ensure that the policy has sufficient account value, additional premiums are likely required for continuous coverage up to age 100.


Infant Care Plus

Infant Care Plus provides coverage of 5 years, however, the Cost Of Insurance (COI) are only charged twice: at inception and also at month 13 after policy inception.

Mother’s Age at Entry

Infant Care - Plan 1 Infant Care - Plan 2

At Inception Month 13 At Inception Month 13

18 494 165 766 27619 496 165 768 27620 497 165 770 27621 497 165 771 27622 498 165 773 27623 500 165 777 27624 501 165 779 27625 501 165 780 27626 503 165 783 27627 504 165 786 27628 505 165 788 27629 506 165 789 27630 507 165 791 27631 508 165 793 27632 509 165 795 27633 509 165 796 27634 510 165 798 27635 511 165 800 27636 513 165 802 27637 513 165 804 27638 514 165 805 27639 515 165 807 27640 517 165 811 27641 517 165 811 27642 518 165 813 27643 519 165 815 27644 519 165 815 27645 519 165 815 276

Appendix

Note: For prenatal cases, waiting period for all benefits (except for Infant Care Plus) starts after birth of the child.The waiting periods for other riders are detailed in the Product Disclosure Sheet and Sales Illustration.

22. How do I find out more about PRUmy child plus or any of its components?

Should you require additional information about PRUmy child plus or any of its components, you may speak to your agent or our Wealth Planner. Alternatively you could visit our website at www.prudential.com.my for more details.

Benefit Conditions Waiting Period

Critical Illness & Payor Benefit

Heart attack, coronary artery bypass surgery, serious coronary artery disease, angioplasty and other invasive treatments for coronary artery disease, and cancer

60 days

All other covered illnesses 30 days

Medical Benefit Specified covered illnesses 120 days

All other covered illnesses 30 days

Maternity Complications 365 days

Hospitalisation due to accidents

Immediately

Child Specified Illness (Essential Child Plus)

All covered Illnesses 60 days

Pregnancy Care Benefit and Child Care Benefit (Infant Care Plus)

All covered conditions Immediately

(Child Care Benefit starts after birth of the child)


Crisis Care (Yearly COI for RM1,000 Sum Assured)

Age Next Birthday Male SmokerMale Non Smoker

Female SmokerFemale Non

Smoker1 0.58 0.58 0.50 0.502 0.58 0.58 0.50 0.503 0.58 0.58 0.50 0.504 0.58 0.58 0.50 0.505 0.58 0.58 0.50 0.506 0.58 0.58 0.50 0.507 0.58 0.58 0.50 0.508 0.58 0.58 0.50 0.509 0.58 0.58 0.50 0.50

10 0.58 0.58 0.50 0.5011 0.58 0.58 0.50 0.5012 0.58 0.58 0.50 0.5013 0.58 0.58 0.50 0.5014 0.58 0.58 0.50 0.5015 0.58 0.58 0.50 0.5016 0.58 0.58 0.50 0.5017 0.58 0.58 0.50 0.5018 0.58 0.58 0.50 0.5019 1.02 0.59 0.74 0.5020 1.03 0.60 0.80 0.5421 1.05 0.62 0.87 0.5822 1.06 0.63 0.93 0.6123 1.07 0.65 0.99 0.6524 1.08 0.66 1.05 0.6925 1.10 0.68 1.12 0.7326 1.11 0.69 1.18 0.7727 1.12 0.71 1.24 0.8128 1.13 0.72 1.30 0.8429 1.15 0.74 1.37 0.8830 1.16 0.75 1.43 0.9231 1.21 0.77 1.59 1.0032 1.26 0.83 1.72 1.0133 1.33 0.87 1.83 1.0634 1.36 0.90 2.02 1.1235 1.51 0.96 2.24 1.1936 1.62 1.04 2.48 1.2437 1.76 1.14 2.73 1.3338 1.91 1.27 2.99 1.41

Appendix

Essential Child Plus (Yearly Cost of Insurance (COI) for RM1,000 Sum Assured)



Smoker1 1.52 1.52 1.28 1.282 1.60 1.60 1.42 1.423 1.54 1.54 1.48 1.484 1.54 1.54 1.54 1.545 1.56 1.56 1.62 1.626 1.54 1.54 1.60 1.607 1.42 1.42 1.52 1.528 1.36 1.36 1.50 1.509 1.28 1.28 1.42 1.42

10 1.22 1.22 1.34 1.3411 1.18 1.18 1.30 1.3012 1.16 1.16 1.26 1.2613 1.14 1.14 1.22 1.2214 1.10 1.10 1.14 1.1415 1.08 1.08 1.08 1.0816 1.04 1.04 1.00 1.0017 1.00 1.00 0.94 0.9418 0.94 0.94 0.86 0.8619 0.86 0.86 0.80 0.8020 0.80 0.80 0.74 0.7421 0.72 0.72 0.68 0.6822 0.66 0.66 0.62 0.6223 0.58 0.58 0.56 0.5624 0.52 0.52 0.52 0.5225 0.44 0.44 0.46 0.46

Appendix



Smoker76 73.50 52.02 45.05 31.5577 78.60 55.90 46.25 32.6078 82.94 59.34 47.44 33.8779 87.41 62.92 49.04 35.2880 92.01 65.37 51.00 36.6181 96.73 68.57 54.02 37.8982 104.25 73.94 56.94 40.5183 110.57 79.13 60.24 43.3084 117.73 85.69 63.94 46.7685 125.71 92.40 68.03 49.9186 134.61 98.80 72.43 53.3287 144.99 106.11 78.02 57.6488 156.50 114.00 83.80 62.1289 169.15 122.57 89.97 66.9290 183.06 136.53 96.51 72.0491 208.66 146.84 105.35 76.8392 229.53 160.33 113.76 86.4393 252.22 174.90 126.86 96.6994 276.60 190.42 140.37 107.3095 302.39 206.85 153.53 117.7296 328.92 223.82 165.09 126.9797 355.09 240.65 172.76 133.4298 381.26 257.48 180.43 142.2499 407.43 274.31 188.10 155.18

100 433.60 291.14 195.77 158.25

Appendix



Smoker39 2.13 1.41 3.25 1.4940 2.48 1.63 3.56 1.62

41 2.89 1.90 3.83 1.7842 3.31 2.17 4.05 1.9543 3.79 2.49 4.30 2.1944 4.40 2.92 4.56 2.4545 5.11 3.49 4.99 2.8246 5.78 3.97 5.55 3.2147 6.77 4.76 6.00 3.7148 7.88 5.52 6.57 4.2649 8.97 6.29 7.13 4.7150 10.11 7.01 7.62 5.0351 11.21 7.97 8.18 5.5752 12.92 8.59 9.37 6.0153 13.69 8.94 10.49 6.5054 14.66 9.81 11.80 6.9855 16.06 10.96 12.91 7.5656 17.78 12.50 13.83 8.0157 19.65 14.19 14.73 8.6858 21.33 16.02 16.02 9.5759 23.57 17.97 17.28 10.5860 26.73 20.53 18.74 11.7461 29.96 23.04 20.49 13.1762 32.98 25.37 22.69 14.3863 35.58 27.50 23.98 15.3464 38.20 29.10 24.74 15.8865 41.08 29.76 26.06 16.8566 44.62 33.05 29.92 19.5867 48.73 35.29 32.49 21.7268 51.70 36.60 33.54 23.5569 54.26 38.45 35.80 25.3970 56.91 40.44 37.98 27.1571 60.46 42.25 39.97 28.45

72 61.54 43.10 41.78 29.41

73 64.73 45.40 42.85 29.84

74 67.10 47.13 43.88 30.60

75 70.52 49.67 44.37 30.97

Appendix

Crisis Care (Yearly COI for RM1,000 Sum Assured) Crisis Care (Yearly COI for RM1,000 Sum Assured)

PRUvalue med

The Yearly Cost of Insurance (COI) charges for PRUvalue med with Hospital Daily Room & Board (R&B) 100 to 600 shown in the tables below are only applicable to Occupational Class 1 & 2.

The COI of Occupational Class 3 & 4 are respectively 1.25 & 1.5 times the COI for Occupation Class 1 & 2.

Med Value Point RM1 million

Med Saver RM300 - Male COI Rates Med Saver RM300 - Female COI Rates

Age R&B100

R&B200

R&B300

R&B400

R&B500

R&B600

R&B100

R&B200

R&B300

R&B400

R&B500

R&B600

1 660 750 974 1,237 1,462 1,649 487 553 719 913 1,079 1,217

2 808 918 1,193 1,514 1,790 2,019 660 750 974 1,237 1,462 1,649

3 612 695 904 1,147 1,356 1,530 493 561 729 925 1,093 1,234

4 574 652 848 1,076 1,272 1,435 489 555 722 916 1,083 1,221

5 554 630 819 1,039 1,228 1,386 484 550 714 907 1,072 1,209

6 to 10 411 467 607 771 911 1,028 400 454 590 749 886 999

11 to 15 411 467 607 771 911 1,028 398 452 588 746 882 995

16 to 20 531 604 785 996 1,177 1,328 505 574 746 947 1,119 1,262

21 to 25 566 643 836 1,061 1,254 1,415 554 630 819 1,039 1,228 1,386

26 to 30 591 671 872 1,107 1,308 1,476 579 658 855 1,086 1,283 1,447

31 to 35 612 695 904 1,147 1,356 1,530 605 688 894 1,135 1,341 1,513

36 to 40 651 740 962 1,221 1,443 1,628 678 770 1,001 1,271 1,502 1,694

41 to 45 780 886 1,152 1,462 1,728 1,949 847 963 1,251 1,588 1,877 2,118

46 to 50 990 1,125 1,463 1,857 2,194 2,475 1,010 1,148 1,492 1,894 2,238 2,525

51 to 55 1,219 1,385 1,801 2,286 2,702 3,048 1,221 1,388 1,804 2,290 2,707 3,054

56 to 60 1,669 1,897 2,466 3,129 3,698 4,172 1,459 1,658 2,155 2,735 3,232 3,647

61 to 65 2,562 2,912 3,785 4,804 5,677 6,405 2,089 2,374 3,086 3,916 4,629 5,222

66 to 70 3,571 4,058 5,275 6,696 7,913 8,928 2,987 3,394 4,412 5,600 6,618 7,466

71 to 75 5,684 6,459 8,396 10,657 12,594 14,209 4,986 5,666 7,366 9,350 11,050 12,466

76 to 80 8,535 9,698 12,608 16,002 18,912 21,337 7,486 8,507 11,059 14,036 16,588 18,715

81 to 85 12,180 13,841 17,994 22,838 26,990 30,451 11,710 13,306 17,298 21,955 25,947 29,274

86 to 90 15,532 17,650 22,945 29,122 34,417 38,829 14,478 16,452 21,387 27,145 32,081 36,194

91 to 95 18,731 21,286 27,671 35,121 41,507 46,828 16,729 19,010 24,714 31,367 37,070 41,823

96 to 100 22,070 25,080 32,604 41,382 48,906 55,175 19,397 22,042 28,655 36,370 42,982 48,493

Appendix

PRUvalue med

Med Value Point RM1 milion

Without Med Saver/Deductible - Male COI Rates

Without Med Saver/Deductible - Female COI Rates

Age R&B100

R&B200

R&B300

R&B400

R&B500

R&B600

R&B100

R&B200

R&B300

R&B400

R&B500

R&B600

1 1,086 1,234 1,605 2,037 2,407 2,715 881 1,001 1,302 1,652 1,953 2,203

2 1,254 1,425 1,852 2,351 2,778 3,135 1,151 1,308 1,700 2,158 2,550 2,877

3 1,002 1,138 1,480 1,879 2,220 2,505 870 989 1,286 1,632 1,928 2,176

4 935 1,063 1,381 1,753 2,072 2,338 789 897 1,166 1,480 1,749 1,973

5 712 809 1,052 1,335 1,578 1,780 620 704 915 1,162 1,373 1,549

6 to 10 624 709 921 1,169 1,382 1,559 595 677 880 1,117 1,320 1,489

11 to 15 578 657 854 1,083 1,280 1,445 526 597 776 985 1,165 1,314

16 to 20 724 823 1,070 1,358 1,605 1,811 615 699 909 1,154 1,363 1,538

21 to 25 761 865 1,125 1,428 1,687 1,903 742 843 1,096 1,391 1,644 1,854

26 to 30 770 875 1,138 1,444 1,706 1,925 751 853 1,109 1,408 1,664 1,877

31 to 35 791 899 1,169 1,483 1,753 1,977 770 875 1,137 1,444 1,706 1,925

36 to 40 821 933 1,213 1,540 1,820 2,054 883 1,003 1,304 1,656 1,957 2,207

41 to 45 952 1,081 1,406 1,784 2,109 2,379 1,104 1,255 1,632 2,071 2,447 2,761

46 to 50 1,204 1,368 1,779 2,258 2,668 3,010 1,397 1,587 2,064 2,619 3,095 3,492

51 to 55 1,839 2,090 2,717 3,448 4,075 4,598 1,521 1,729 2,248 2,853 3,371 3,804

56 to 60 2,311 2,626 3,414 4,333 5,121 5,777 1,842 2,093 2,721 3,453 4,081 4,604

61 to 65 3,750 4,261 5,539 7,031 8,309 9,374 3,492 3,968 5,158 6,547 7,737 8,729

66 to 70 6,201 7,047 9,161 11,628 13,742 15,503 5,997 6,815 8,860 11,245 13,290 14,993

71 to 75 7,768 8,827 11,475 14,565 17,213 19,420 7,523 8,549 11,113 14,105 16,670 18,807

76 to 80 9,862 11,206 14,568 18,491 21,853 24,654 9,613 10,923 14,200 18,023 21,300 24,031

81 to 85 12,821 14,570 18,941 24,040 28,411 32,053 12,322 14,002 18,203 23,104 27,305 30,805

86 to 90 16,349 18,579 24,152 30,655 36,228 40,873 15,258 17,339 22,540 28,609 33,811 38,145

91 to 95 19,717 22,406 29,128 36,970 43,691 49,293 17,561 19,956 25,943 32,928 38,915 43,904

96 to 100 23,232 26,400 34,320 43,560 51,480 58,079 20,405 23,188 30,144 38,260 45,216 51,013

Appendix

PRUvalue med


Deductible RM50,000 - Male COI Rates Deductible RM50,000 - Female COI Rates

Age R&B100

R&B200

R&B300

R&B400

R&B500

R&B600

R&B100

R&B200

R&B300

R&B400

R&B500

R&B600

1 102 116 151 191 226 255 93 106 137 174 206 233

2 102 116 151 191 226 255 93 106 137 174 206 233

3 102 116 151 191 226 255 93 106 137 174 206 233

4 102 116 151 191 226 255 93 106 137 174 206 233

5 102 116 151 191 226 255 93 106 137 174 206 233

6 to 10 78 89 115 146 173 195 72 82 106 135 159 179

11 to 15 76 87 113 143 169 191 71 81 105 133 157 177

16 to 20 116 132 172 218 257 290 88 100 130 164 194 219

21 to 25 124 141 183 233 275 310 109 124 161 204 242 272

26 to 30 126 143 186 236 279 315 110 125 162 206 244 275

31 to 35 129 146 190 241 285 321 119 135 175 223 263 297

36 to 40 137 156 203 258 304 343 134 152 198 251 297 335

41 to 45 160 181 236 299 353 399 164 186 242 307 363 410

46 to 50 194 221 287 364 430 485 196 223 289 367 434 490

51 to 55 322 366 475 603 713 804 246 280 364 462 546 616

56 to 60 392 445 579 734 868 979 290 329 428 543 642 724

61 to 65 550 625 813 1,032 1,219 1,376 420 477 621 788 931 1,050

66 to 70 780 886 1,152 1,462 1,728 1,950 605 688 894 1,135 1,341 1,513

71 to 75 1,185 1,346 1,750 2,221 2,625 2,962 922 1,047 1,361 1,728 2,042 2,304

76 to 80 1,792 2,036 2,647 3,360 3,970 4,480 1,399 1,590 2,067 2,624 3,101 3,498

81 to 85 2,404 2,731 3,551 4,507 5,326 6,009 1,933 2,197 2,856 3,625 4,284 4,834

86 to 90 2,856 3,246 4,220 5,356 6,330 7,141 2,263 2,571 3,343 4,243 5,014 5,657

91 to 95 3,426 3,893 5,061 6,423 7,591 8,564 2,741 3,114 4,049 5,139 6,073 6,852

96 to 100 4,034 4,584 5,959 7,563 8,938 10,084 3,246 3,689 4,796 6,087 7,194 8,116

Appendix

PRUvalue med



Age R&B100

R&B200

R&B300

R&B400

R&B500

R&B600

R&B100

R&B200

R&B300

R&B400

R&B500

R&B600

1 130 148 192 244 289 326 119 135 175 223 263 297

2 130 148 192 244 289 326 119 135 175 223 263 297

3 130 148 192 244 289 326 119 135 175 223 263 297

4 130 148 192 244 289 326 119 135 175 223 263 297

5 130 148 192 244 289 326 119 135 175 223 263 297

6 to 10 100 114 148 188 222 250 91 104 135 171 202 228

11 to 15 88 100 130 165 195 220 87 99 128 163 192 217

16 to 20 129 146 190 241 285 321 123 140 181 230 272 307

21 to 25 145 165 214 272 321 362 133 151 196 249 294 332

26 to 30 156 177 230 292 345 389 144 164 213 271 320 361

31 to 35 172 196 255 323 382 431 160 181 236 299 354 399

36 to 40 185 210 273 346 409 461 167 190 247 313 370 417

41 to 45 207 235 306 388 458 517 176 200 261 331 391 441

46 to 50 270 307 400 507 599 676 212 241 313 397 470 530

51 to 55 409 465 604 767 906 1,022 289 328 426 541 640 722

56 to 60 509 579 753 955 1,129 1,274 378 429 558 708 837 944

61 to 65 834 948 1,232 1,564 1,848 2,085 709 806 1,048 1,330 1,571 1,773

66 to 70 1,305 1,483 1,929 2,448 2,893 3,264 1,110 1,262 1,640 2,082 2,461 2,776

71 to 75 1,794 2,039 2,651 3,365 3,976 4,486 1,525 1,733 2,252 2,859 3,379 3,812

76 to 80 2,163 2,458 3,196 4,056 4,794 5,408 1,800 2,045 2,659 3,374 3,988 4,499

81 to 85 2,682 3,048 3,962 5,029 5,943 6,705 2,217 2,519 3,275 4,157 4,913 5,543

86 to 90 3,471 3,944 5,128 6,508 7,691 8,677 2,780 3,159 4,107 5,213 6,161 6,950

91 to 95 4,621 5,251 6,827 8,665 10,240 11,553 3,587 4,076 5,299 6,725 7,948 8,967

96 to 100 5,447 6,189 8,046 10,212 12,069 13,617 4,013 4,560 5,928 7,524 8,892 10,032

Appendix

PRUvalue med



Age R&B100

R&B200

R&B300

R&B400

R&B500

R&B600

R&B100

R&B200

R&B300

R&B400

R&B500

R&B600

1 88 100 130 165 194 219 80 91 118 150 178 201

2 88 100 130 165 194 219 80 91 118 150 178 201

3 88 100 130 165 194 219 80 91 118 150 178 201

4 88 100 130 165 194 219 80 91 118 150 178 201

5 88 100 130 165 194 219 80 91 118 150 178 201

6 to 10 67 76 99 125 148 167 62 70 92 116 137 155

11 to 15 66 75 97 123 145 164 61 69 90 115 136 153

16 to 20 100 113 147 187 221 249 76 86 112 142 168 189

21 to 25 107 121 158 200 237 267 94 107 139 176 208 235

26 to 30 108 123 160 203 240 270 95 108 140 178 210 237

31 to 35 110 125 163 207 244 276 102 116 151 192 227 256

36 to 40 118 134 174 221 261 295 115 131 170 216 255 288

41 to 45 137 156 203 258 304 343 141 161 209 265 313 353

46 to 50 167 189 246 312 369 417 169 192 249 317 374 422

51 to 55 276 314 408 518 613 691 212 241 314 398 470 531

56 to 60 336 382 497 631 745 841 250 284 369 469 554 625

61 to 65 473 537 698 886 1,048 1,182 362 411 535 679 802 905

66 to 70 670 761 990 1,256 1,485 1,675 522 593 770 978 1,156 1,304

71 to 75 1,018 1,157 1,504 1,909 2,256 2,546 794 903 1,174 1,490 1,760 1,986

76 to 80 1,539 1,749 2,274 2,886 3,411 3,848 1,206 1,371 1,782 2,261 2,673 3,015

81 to 85 2,067 2,348 3,053 3,875 4,579 5,167 1,666 1,893 2,461 3,124 3,692 4,166

86 to 90 2,455 2,790 3,627 4,604 5,441 6,139 1,951 2,217 2,882 3,658 4,323 4,877

91 to 95 2,945 3,347 4,351 5,522 6,527 7,363 2,363 2,686 3,491 4,431 5,237 5,909

96 to 100 3,468 3,941 5,124 6,503 7,686 8,671 2,800 3,182 4,136 5,250 6,204 7,000

AppendixAppendix

PRUvalue med



Age R&B100

R&B200

R&B300

R&B400

R&B500

R&B600

R&B100

R&B200

R&B300

R&B400

R&B500

R&B600

1 74 84 109 138 163 184 67 77 99 126 149 168

2 74 84 109 138 163 184 67 77 99 126 149 168

3 74 84 109 138 163 184 67 77 99 126 149 168

4 74 84 109 138 163 184 67 77 99 126 149 168

5 74 84 109 138 163 184 67 77 99 126 149 168

6 to 10 56 63 82 105 124 140 52 59 77 98 116 131

11 to 15 55 62 81 103 122 137 51 58 76 96 114 129

16 to 20 83 95 123 156 185 208 64 73 94 120 141 160

21 to 25 90 102 132 168 198 224 79 90 117 148 175 197

26 to 30 90 103 134 169 200 226 80 91 118 150 177 199

31 to 35 92 105 136 173 204 230 86 98 127 161 190 215

36 to 40 98 112 145 184 218 246 97 110 143 181 214 241

41 to 45 115 131 170 216 255 288 119 135 175 223 263 297

46 to 50 139 158 206 261 308 348 142 161 209 266 314 354

51 to 55 231 263 342 434 513 578 178 202 263 334 395 445

56 to 60 281 319 415 527 622 702 210 239 310 394 465 525

61 to 65 395 449 584 741 876 988 304 345 449 570 674 760

66 to 70 560 636 827 1,050 1,241 1,400 438 497 647 821 970 1,094

71 to 75 852 968 1,258 1,597 1,887 2,129 667 758 986 1,251 1,479 1,668

76 to 80 1,287 1,462 1,901 2,413 2,851 3,217 1,013 1,151 1,496 1,899 2,244 2,532

81 to 85 1,730 1,965 2,555 3,243 3,832 4,324 1,399 1,590 2,067 2,623 3,100 3,497

86 to 90 2,055 2,335 3,035 3,852 4,553 5,136 1,639 1,862 2,421 3,072 3,631 4,096

91 to 95 2,465 2,801 3,642 4,622 5,462 6,163 1,986 2,257 2,934 3,724 4,401 4,966

96 to 100 2,903 3,299 4,289 5,443 6,433 7,258 2,353 2,674 3,476 4,412 5,215 5,883

Note:

For PRUvalue med cost of insurance rates with other combinations of Med Saver or Deductible and Med Value Point options, please refer to www.prudential.com.my.

PRUwith you

a. If death is due to suicide within the one year of the commencement date of the policy or the date on which the policy revived, only the account value shall be payable.

b. TPD benefit is not payable if the disability is directly or indirectly caused by:

i. Pre-existing conditions; or

ii. Any attempted suicide or self-inflicted injury whether attempted/inflicted while sane or insane; or

iii. Any travelling in an aircraft other than as a pilot or a member of a crew or a fare-paying passenger in a commercial aircraft licensed for passenger service on scheduled flights over established routes only; or

iv. Any participation in any aerial sporting activities such as hang-gliding, ballooning, parachuting, skydiving, bungee jumping and other such similar activities.

c. This policy does not cover pre-existing conditions.

Infant Care Plus

Pregnancy Care Benefit is not payable if the death, condition, illness, injury or event is directly or indirectly caused by, or accelerated by, or in connection with any of the following:

a. Pre-existing conditions;

b. A deliberate act like drinking alcohol, taking drugs or poison, suicide or attempted suicide or deliberate self-injury while sane or insane;

c. Acquired Immune Deficiency Syndrome (“AIDS”) or the presence of any Human Immuno deficiency Virus (“HIV”) infection;

d. Usage of drugs unless as prescribed by a doctor;

e. Termination of pregnancy other than for medical reasons;

f. Any complications resulting from fertility treatment including in-vitro fertilisations;

g. Any unlawful, criminal or deliberate act or failure to act; or

h. War, riot or revolution or any similar event or taking part in a riot, strike or civil commotion.

Child Care Benefit is not payable if the death, condition, illness, injury or event is directly or indirectly caused by, accelerated by, or in connection with any of the following:

a. AIDS or the presence of any HIV infection;

b. Usage of drugs unless as prescribed by a doctor;

c. Any complications resulting from fertility treatment including in-vitro fertilisations;

d. Any unlawful, criminal or deliberate act or failure to act; or

e. War, riot or revolution or any similar event or taking part in a riot, strike or civil commotion.

Essential Child Plus

Essential Child Plus is not payable if the Life Assured is diagnosed as suffering from a Covered Illness that:

a. Arises directly or indirectly from a pre-existing condition;

b. Is caused directly or indirectly from AIDS or HIV infection;

c. Is an illness relating directly or indirectly from any inherited disorder that is first diagnosed when the Life Assured is 12 months old or younger, or congenital conditions; or

d. Is caused by, contributed to by, or resulting from the use of unprescribed drugs if, by law, such drugs must first be prescribed by a doctor before any usage.

If the Life Assured dies within 30 days after being diagnosed with the illness or condition, Essential Child Plus is not payable.

Crisis Care

We shall not pay the benefit if the illness or condition is caused directly or indirectly by one of the following:

a. Any symptoms occurring within the first;

i. 60 days of continuous cover for Heart Attack, Coronary Artery Bypass Surgery, Serious Coronary Artery Disease, Cancer or Angioplasty And Other Invasive Treatments For Coronary Artery Disease; and

ii. 30 days of continuous cover for other illnesses or conditions.

b. Existence of AIDS or the presence of any HIV infection (except for Full-Blown AIDS or AIDS due to Blood Transfusion);

c. Pre-existing illness;

d. Congenital conditions or is caused directly or indirectly from a congenital condition within the first 2 years from the date of birth; or

e. Any claim if the Life Assured dies within 30 days after being diagnosed with the illness or condition.

PRUvalue med

PRUvalue med does not cover any hospitalisation, surgery or charges caused directly or indirectly, wholly or partly, by any one of the following occurrences:

a. Pre-existing conditions.

b. Specified Illnesses listed below occurring during the first 120 days from the effective date of the rider or the date it is revived, whichever is later.

i. Hypertension, Diabetes Mellitus and Cardiovascular disease;

ii. Growths of any kind including tumours, cancers, cysts, nodules, polyps;

iii. Stones of the urinary system and biliary system;

iv. Any disease of the ear, nose (including sinuses) or throat;

v. Hernias, haemorrhoids, fistulae, hydrocele or varicocele;

vi. Any disease of the reproductive system including endometriosis; or

vii. Any disorders of the spine (including a slipped disc) and knee conditions.

Exclusion Exclusion

c. Any medical or physical conditions and its signs or symptoms occurring within the first 30 days from the effective date of the rider or the date it is revived, whichever is later, except for traumatic bodily injury caused by an accident.

d. Any neonatal medical or physical conditions including birth trauma (a physical injury sustained by an infant during birth) occurring within the first 30 days from the effective date of the rider, the date it is revived or the date of birth of the Life Assured, whichever is latest.

e. Elective cosmetic or plastic surgery (except re-constructive surgery necessary to restore function), hyperhidrosis, circumcision, eye examination for nearsightedness, farsightedness or astigmatism, visual aids and refraction or surgical correction of nearsightedness (Radial Keratotomy) and the use or acquisition of external prosthetic appliances or devices such as but not limited to artificial limbs, hearing aids, cochlear apparatus, external or temporary pacemakers and prescriptions thereof.

f. Dental conditions including dental treatment or oral surgery except as necessitated by accident to restore function of sound natural teeth occurring while the Policy and the rider are in force.

g. Private nursing (except for Home Nursing Care Benefit), rest cures or sanitaria care.

h. Drug abuse, addictive disorders from any kind of substance or alcohol use or misuse, under influence of alcohol, venereal disease and its sequelae, AIDS (Acquired Immune Deficiency Syndrome) or ARC (AIDS Related Complex) and HIV related diseases, and any communicable diseases requiring quarantine by law.

i. Any treatment or surgical operation for congenital abnormalities or deformities including hereditary conditions.

j. Pregnancy, childbirth (including surgical delivery), miscarriage, abortion and prenatal or postnatal care and surgical, mechanical or chemical contraceptive methods of birth control or treatment pertaining to infertility and its complications, with exception to the benefits as provided under the Maternity Complications Benefits. Erectile dysfunction and tests or treatment related to impotence or sterilisation.

k. Primarily for investigatory purposes, diagnosis, X-ray examination, stem-cell therapy, general physical or medical examinations, not incidental to treatment or diagnosis of a covered Disability or any treatment which is not Medically Necessary and any preventive treatments, preventive medicines or examinations carried out by a physician, and treatments specifically for weight reduction or gain or bariatric surgery.

l. Suicide, attempted suicide or intentionally self-inflicted injury while sane or insane.

m. War or any act of war, declared or undeclared, criminal or terrorist activities, act of foreign enemies, active duty in any armed forces, direct participation in strikes, riots, civil commotion, insurrection, revolution or any war-like operations.

n. Ionising radiation or contamination by radioactivity from any nuclear fuel or nuclear waste from process of nuclear fission or from any nuclear weapons material.

o. Expenses incurred for donation of any body parts or organ by the Life Assured and acquisition of the organ including all costs incurred by the donor during organ transplant and its complications.

p. Investigation and treatment of sleep apnoea and snoring disorders, hormone replacement therapy and alternative therapy such as treatment, medical service or supplies, including but not limited to chiropractic services, acupuncture, acupressure, reflexology, bonesetting, hyperbaric oxygen therapy, herbalist treatment, massage or aroma therapy or other alternative treatment.

Exclusion

q. Care or treatment for which payment is not required or to the extent which is payable by any other insurance or indemnity covering the Life Assured, and Disabilities arising out of duties of employment or profession that is covered under a Workman’s Compensation Insurance Contract.

r. Psychotic, mental or nervous disorders (including any neuroses and their physiological or psychosomatic manifestations).

s. Costs/expenses of services of a non-medical nature, such as television, telephones, telex services, radios or similar facilities, admission kit/pack and other ineligible non-medical items.

t. Participating in racing of any kind (except foot racing), hazardous sports such as but not limited to skydiving, water skiing, underwater activities requiring breathing apparatus, winter sports, professional sports and illegal activities.

u. Private flying other than as a fare-paying passenger in any commercial scheduled airlines licensed to carry passengers over established routes.

v. Expenses incurred for sex changes.

w. Experimental treatments, including medication and/or unconventional medical technology/ procedure, which has not been proven to be effective, based on established medical practice, and which has not been approved by a recognised body in the country in which the Life Assured receives the treatment.

x. Care or treatments that do not lead to a recovery, conservation of the Life Assured’s condition or restoration to the Life Assured’s previous state of health.

Note:This list is non-exhaustive. Please refer to the Policy Document for the full list of terms and conditions under this policy.

a. This brochure is for illustrative purposes only. You are advised to refer to Prudential’s Product Disclosure Sheet, Sales Illustration, and the consumer education booklet on Life Insurance, Investment-Linked Insurance, Child Education Plan, and Medical and Health Insurance before purchasing the plan, and to refer to the terms and conditions in the policy document for details of the important features of the plan.

b. Please note that the package here consists of components that can be bought separately and you are not obligated to select all components of this package.

c. You should satisfy yourself that this product will best serve your needs. You should also satisfy yourself that the premium payable under the policy is an amount that you can afford. To achieve this, we recommend that you speak to your agent or Wealth Planner who will perform a needs analysis and assist you in making an informed decision. You may also contact the insurance company directly for more information.

d. The insurance charge for basic benefits is guaranteed, whereas other charges and the insurance charges for the riders are not guaranteed and may be varied from time to time by giving 3 months’ notice to policy owners (except for medical and critical illness benefit where 30 days’ notice will be provided). If we increase the insurance charge rates after the premium payment term, you may need to pay an additional premium or top-ups. Premiums for this plan are payable throughout the entire term of this policy.

Exclusion

Important Notes

e. If you cancel the policy in the early years, you may not be able to obtain the full value from the amount you have paid to us. When you surrender the policy, all benefits in the policy will be terminated.

f. Details of the fees and charges charged for providing the insurance coverage and its optional riders are detailed in the Product Disclosure Sheet and Sales Illustration.

g. There is a free-look period of 15 days after the delivery of your policy to allow you to review it if it meets your needs. If the policy is cancelled within this period, we will refund you the value of units (at the next pricing date) plus the premiums that are not invested, insurance charges, service charge, processing charge (if any), Goods and Services Tax (GST, if any) that we have deducted, less medical expenses that we may have already paid or agreed to pay.

h. It is important that any receipt that you receive should be kept as proof of payment of premiums.

i. PRUwith you and its attachable riders are not Shariah-compliant products.

j. Non-payment of premiums may cause this policy to lapse. Should you stop paying premiums, the policy may continue for as long as there are sufficient units in the respective accounts and will lapse when the value of investment units is insufficient to pay for the insurance and other charges.

k. For more information on the funds, please refer to their respective Fund Fact Sheet available on our website at www.prudential.com.my. You may also track the performance of your funds by checking the unit prices published daily on our website.

l. If you switch your current medical plan with another or from one provider to another, you may be subject to new underwriting requirements and waiting periods for the new plan.

m. You must inform us of any change in your occupation, avocation or sports activities because it may affect the premiums, terms, conditions and benefits.

n. Emergency Medical Assistance and Expert Medical Opinion under PRUvalue med rider are services provided from third-party providers which are non-contractual in nature and do not form part of the policy. We have the right to terminate this service by giving a 90-day written notice.

o. Any age reference shall be on the basis of Age Next Birthday.

p. Prudential Assurance Malaysia Berhad (PAMB) is an insurance company licensed under the Financial Services Act 2013 and is regulated by Bank Negara Malaysia.

PLEASE NOTE THAT THIS IS AN INSURANCE PRODUCT THAT IS TIED TO THE PERFORMANCE OF THE UNDERLYING ASSETS, AND IS NOT A PURE INVESTMENT PRODUCT SUCH AS UNIT TRUSTS.

Prudential Assurance Malaysia BerhadMember of PIDM

Prudential Assurance Malaysia Berhad (PAMB) is a member of Perbadanan Insurans Deposit Malaysia (PIDM). As a member of PIDM, some of the benefits insured under the insurance policies offered by PAMB are protected against loss of part or all of insurance benefits by PIDM, in the unlikely event of an insurer member failure. For further details of the protection limits and the scope of coverage, please obtain a PIDM information brochure from PAMB or visit PIDM

website (www.pidm.gov.my) or call PIDM toll-free line (1-800-88-1266).

Important Notes

Embrace your life-changing experience,

we’re here for you!

01/2018

(107655-U)Prudential Assurance Malaysia Berhad (107655-U)

Menara Prudential, 10 Jalan Sultan Ismail,50250 Kuala Lumpur, Malaysia.

Tel: 03-2116 0228 Fax: 03-2032 3939Email: [email protected]

www.prudential.com.my

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