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MEDICAL

PRUvalue med

Enhanced

All about PRUvalue med

We all know just how crucial medical care is in today’s world and the need for healthcare becomes even more paramount as we age. With the escalating cost of healthcare, have you ever wondered if you are able to safeguard yourself against any uncertainty and insufficient savings for healthcare?

Wouldn’t it be great if there is a medical plan that not only promises you a lifetime of assurance for all your medical needs, but also helps you save with more benefits?

Here are some questions to help you identify your needs in order to select the features that best fit those needs!

Read more about Med Saver in this brochure

Med Saver 300

OR

Do you already have medical coverage?

YES

NO

Is there any

on your existing medical coverage?

or

PRUvalue med with PRUvalue medwithout

Med Saver

Is your existing medical coverage sufficient to

cope with the rising healthcare costs?

annuallimit

lifetimelimit

Cancer

1 IN 4 Malaysians

2.5 times

gets cancer by age 75 1

higher than theproportion of deaths from

all cancers combined 26 Malaysians are

hit by stroke every hour 3

Heart Disease Stroke

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.

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

Cataract

Heart attack

Knee replacement

Hip replacement

Cancer

Stroke

Kidney failure

24,000 to 34,000

67,000 to 202,000

101,000 to 270,000

121,000 to 336,000

121,000 to 2,018,000

235,000 to 505,000

1,009,000 and above

3,500 to 5,000

10,000 to 30,000

15,000 to 40,000

18,000 to 50,000

18,000 to 300,000

35,000 to 75,000

150,000 and above

Medical Treatment Current Cost (RM) Cost in 20 years (RM)

Source: 1http://www.cancer.org.my/quick-facts/types-cancer/2http://yourhealth.asiaone.com/content/heart-disease-no-1-killer-malaysian-women#sthash.LHcFaWTN.dpuf3http://www.caringforstroke.com.my/understanding-stroke/facts-about-stroke/

3 Main Killers in Malaysia

A guide on rising healthcare costs

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

PRUvalue med with Deductible

Some facts and figures to think about:

Subsequent RM500,000• 80% will be paid by Prudential• 20% will be borne by policyholder

1st RM1.5 million• 100% of the total claims will be paid by Prudential

Example:Total eligible claims of RM2 million

Med Value PointRM1.5 million

MORESavings

MOREProtection

MOREBenefits

MORE value in every way

Med Saver300

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

Benefits at a glance

Med Saver or Deductible option

Allows you to enjoy the premiums saved to increase your coverage

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

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

Read more about Med Saver and Deductible options in this brochure

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

111

Med Value Point: RM1 million, RM1.5 million, RM2 million222

OROR

PRUvalue med offers you:

Med Value Point Bonus 100% Non-Cancellable333 444

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

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 paid duly and the policy

or rider being in force.

is the same as Guaranteed Renewable

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

More Benefits555

Day Care Procedure

Save time &go home

MaternityComplication

Benefits

11

Outpatient Cancer & Kidney Treatment

Take Home DrugsConsultation FeesExamination Test

Med Value Point2%

2%

EmergencyTreatment for

AccidentalInjury

HomeNursing Care

PRUvalue med

What is PRUvalue med?

PRUvalue med is a regular premium investment-linked medical rider that reimburses medical expenses incurred in the event of hospitalisation and for outpatient treatment.

What are the benefits provided under PRUvalue med?

Benefits Benefit Amount

Room & Board Benefits

a) Hospital Daily Room & Board (R&B) (up to 150 days per year)

Hospital & Surgical Benefits

b) Intensive Care Unit / Cardiac Care Unit (up to 90 days per year)

c) In-hospital & Related Services • Surgical Benefit • Hospital Supplies and Services • Operating Theatre • Anaesthetist Fees • In-Hospital Specialist’s Visit (limit to 2 visits per day)

Outpatient Treatment Benefits

d) Pre-hospitalisation Treatment (within 60 days before hospitalisation)e) Post-hospitalisation Treatment (within 90 days after hospital discharge)f) Home Nursing Care (up to 180 days per life-time) g) Day Surgeryh) Day Care Procedure

i) Outpatient Cancer Treatment j) Outpatient Kidney Dialysis

Flexible option between RM100 and RM600 per day(Increments in multiples of RM100 per day)

As Charged 1

Up to 1.5 times of the initial Med Value Point per lifetime

(including take home drugs, examination tests &

consultation)

As Charged 1

As Charged 1

As Charged 1


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

2 If 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 a policy year.

If Med Saver and Deductible are not chosen, the fixed amount shall not apply.

3 Expert 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.

Benefits Benefit Amount

Other Benefits

k) Maternity Complications Benefit (for female life assured only)

l) Intraocular Lens

m) Emergency Treatment For Accidental Injury

Med Saver or Deductible 2

Med Value Point

Med Value Point Bonus

Emergency Medical Assistance

Expert Medical Opinion3

Up to RM5,000 per year

Up to RM6,000 per lifetime

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

Yes or No.If Yes, flexible option: Med Saver RM300,Deductible RM20,000, Deductible RM50,000,Deductible RM75,000 or Deductible RM100,000.

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

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.

Yes

Yes

This page is to describe the PRUvalue med with Med Saver 300, which is suitable if you are looking for a comprehensive medical plan that combines extraordinary values and savings. Therefore, you will never have to choose between your health and finances as your healthcare needs are what matters most to us.

Use the premium saved for other goals

GET MORESAVINGS

Higher Cash Value

GET MOREPROTECTION

Better Protection

GET MOREBENEFITS

Better Medical Plan

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.

Med Saver 300

Med Saver 300PRUvalue med with

How does Med Saver 300 work?

Med Saver 300 ScenarioJames is a 35-year-old male working as an Accountant (Occupation Class 1).

He has bought a PRUlink one (with Death and Total & Permanent Disability (TPD) Benefit) attached with Crisis Shield (with Critical Illnesses Benefit) and PRUvalue med (PVM) on 1 January 2016 with annual premium of RM5,250 and he has selected an equity fund.

He would have the following options:

Note:* 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 purpose only. These values are neither guaranteed nor based on past performance of the investment-linked funds.

Annual Premium

Cash Value @65 years old*

Death & TPD

Critical Illnesses

Med Value Point

Room & Board

Expiry Age

Remarks

5,250

124,300

100,000

100,000

1 mil

300

80

-

DescriptionPVM Without

Med Saver(RM)

PVM with Med Saver

300(RM)

Use the premium saved for other goals (RM)

Allocate RM1,104into PRUsaver forsavings purpose

Increase the lifeand critical illness

coverageto RM150,000

Increase themedical

coverageof PVM

5,250

113,391

100,000

100,000

1.5 mil

400

80

5,250

134,556

150,000

150,000

1 mil

300

80

5,250

170,773

100,000

100,000

1 mil

300

80

4,146

91,185

100,000

100,000

1 mil

300

80

HigherCash Value

SavedRM1,104 per year

HigherProtection

HigherMedical

Coverage

RM1,104

Get MoreSavings

Get MoreProtection

Get MoreBenefits

Deductible

This page is to describe the PRUvalue med with Deductible, which is suitable if you have an existing medical plan with limited coverage, and you wish to extend your existing coverage to help you safeguard against rising healthcare costs.

What is Deductible?

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

How does Deductible work?

Deductible 50,000 ScenarioJames is a 35-year-old male who already has a medical plan provided by his employer with RM50,000 annual limit. To extend his medical coverage, he bought a PRUvalue med with Deductible 50,000 and Med Value Point RM1.5 million.

He is diagnosed with an illness and admitted to a hospital, and incurs a medical bill of RM200,000.

PRUvalue med with Deductible

Illustration

Extended coveragefor that policy yearRM50K RM150KDeductible

Paid by PrudentialPaid by existing medical plan

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

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

Illustration

ContinuousCoverage

Up to Age 80RM1.5M RM500K

Fully Paid byPrudential

Policy incepted Expiry Age

MVP

RM100KCustomer pays 20%

RM400KPrudential pays 80%

What is Med Value Point (MVP)?

Claims on eligible benefits will be payable in full (subject to Med Saver, if applicable) up to the initial Med Value Point. If the total claims 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 total cost of the eligible benefits.

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

How does Med Value Point work?

Med Value Point ScenarioJames is a 35-year-old male, who has bought a PRUvalue med with MVP RM1.5 million and expiry age 80.

PRUvalue med withMVP RM1.5 million

Total claims RM2 million of thetotal eligible benefits, which

exceed the MVP by RM500,000

80%20%

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

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


What is Med Value Point Bonus?

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

When total claims paid exceed the total 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.

What is 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 the policy or PRUvalue med being in force.

Introduction of Date of Deductible

Date of Deductible is a facility to match the Deductible reset date1 of PRUvalue med with Deductible with the annual limit reset date2 of your existing medical plan. By matching the Date of Deductible, you can have a 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, Med Saver/Deductible or Expiry Age), Deductible will restart from zero and re-accumulate each time from the new effective date and Date of Deductible.


1The date at which the accumulated Deductible amount resets to zero.2The date at which the annual claimable amount resets to the annual limit of the medical plan.

Decide on yourMed Value Point

Decide on your Expiry Age

Decide on yourMed Saver or

Deductible Option

Med Saver 300Deductible 20,000Deductible 50,000Deductible 75,000

Deductible 100,000

Decide on your Hospital DailyRoom & Board

Amount

STEP 1

STEP 2

STEP 3

STEP 4

1 21.5

(RM, Million) (RM) (years old)

NO

YES

100 200

300 400

500 600

70

80

90

100

Who can take up the plan?

PRUvalue med is available to anyone aged between 14 days to 70 years old on their next birthday.

It is also available to pre-birth child from 18 weeks onwards with a waiting period of 30 days from the date of birth.

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 require-ments. 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 the chosen expiry age.

We will allocate a portion of the premium to purchase units in the investment-linked fund(s). Anyunallocated 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.

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

How do I get started with PRUvalue med?

70 80 90

Expiry Age

100Entry Age

Next Birthday

Min 14 days (prenatal is allowed to purchase)

Max 60 70

What are the key terms and conditions that I should be aware of?

1. Importance of disclosure - when answering any question asked by us, you must disclose all relevant facts such as medical condition and state your age correctly. If the insurance policy is intended wholly for your personal purposes, you must take reasonable care to disclose any facts that you know to be relevant to us and not to mislead us. Your above duty of disclosure continues until the policy is issued.

2. Free-look period - you may cancel your policy by returning the policy within 15 days after the policy has been delivered to you. We will refund to you the unallocated premiums, the value of units that have been allocated (if any) at unit price at the next valuation date and any insurance charge, Goods and Services Tax (if any) and other charges that have been deducted less any medical fee incurred.

3. Cash value - the cash value of the policy depends on the performance of the investment-linked fund(s) you have chosen. The higher the level of Insurance coverage selected, the more units will be absorbed to pay for the insurance charges and the fewer units will remain to accumulate cash values under your policy. You should consider whether the allocation of insurance premiums towards protection and investment meets your financial circumstances.

4. Policy lapse - The policy will lapse when the value of investment units is insufficient to pay for the insurance and other charges.

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

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

Specified Illnesses 120 days

Any Illnesses other than Specified Illnesses 30 days

Maternity Complications 365 days

DescriptionWaiting Period from commencement date

or date of revival


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.

AppendixAnnual Premium Rates for PRUvalue med with Med Value Point of RM1 million (Occupational Class 1 & 2).Premium rates are based on standard risk and are subject to underwriting.

Notes:Premium rates for Occupation Class 3 & 4 are 1.25 & 1.5 times the premium for Occupation Class 1 & 2 respectively. Premium rates are based on standard risk and are subject to underwriting.

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

1 - 2 991 1,127 1,465 1,859 2,197 2,478 1,267 1,440 1,872 2,376 2,808 3,168

3 - 15 958 1,089 1,415 1,796 2,123 2,395 1,267 1,440 1,872 2,376 2,808 3,168

16 - 20 1,044 1,187 1,543 1,958 2,314 2,611 1,410 1,603 2,083 2,644 3,125 3,526

21 - 25 1,142 1,297 1,687 2,141 2,530 2,854 1,576 1,791 2,329 2,955 3,493 3,941

26 - 30 1,182 1,344 1,747 2,217 2,620 2,956 1,632 1,854 2,410 3,059 3,615 4,079

31 - 35 1,260 1,432 1,862 2,363 2,793 3,151 1,744 1,982 2,576 3,270 3,864 4,360

36 - 40 1,464 1,664 2,163 2,746 3,245 3,661 2,017 2,292 2,979 3,781 4,469 5,042

41 - 45 1,787 2,031 2,640 3,351 3,960 4,468 2,523 2,867 3,727 4,730 5,590 6,307

46 - 50 2,122 2,411 3,135 3,979 4,702 5,305 3,072 3,491 4,539 5,760 6,808 7,681

51 - 55 2,737 3,110 4,043 5,131 6,064 6,842 4,086 4,643 6,036 7,662 9,055 10,216

56 - 60 3,407 3,872 5,034 6,389 7,550 8,518 5,064 5,755 7,481 9,495 11,222 12,660

61 - 65 6,099 6,931 9,010 11,436 13,515 15,248

66 - 70 7,723 8,776 11,409 14,481 17,114 19,308

Med Saver 300

Expiry Age 70 Expiry Age 80

Hospital Daily Room & Board 100 200 300 400 500 600 100 200 300 400 500 600 (RM)

Entry AgeNext Birthday

Med Saver 300



1 - 2 1,756 1,996 2,594 3,293 3,892 4,391 2,311 2,626 3,414 4,333 5,121 5,777

3 - 15 1,756 1,996 2,594 3,293 3,892 4,391 2,311 2,626 3,414 4,333 5,121 5,777

16 - 20 1,986 2,257 2,935 3,725 4,402 4,966 2,636 2,996 3,894 4,943 5,841 6,590

21 - 25 2,256 2,564 3,333 4,231 5,000 5,641 3,017 3,429 4,458 5,658 6,686 7,544

26 - 30 2,394 2,720 3,536 4,488 5,304 5,984 3,287 3,735 4,856 6,163 7,284 8,218

31 - 35 2,580 2,932 3,811 4,837 5,717 6,450 3,615 4,108 5,340 6,777 8,010 9,037

36 - 40 3,010 3,420 4,446 5,643 6,669 7,524 4,224 4,800 6,240 7,920 9,360 10,560

41 - 45 3,796 4,313 5,607 7,117 8,411 9,489 5,230 5,943 7,726 9,806 11,589 13,075

46 - 50 4,501 5,115 6,650 8,440 9,975 11,254 6,173 7,015 9,119 11,574 13,679 15,433

51 - 55 5,839 6,635 8,625 10,947 12,938 14,597 7,735 8,790 11,427 14,503 17,140 19,338

56 - 60 7,319 8,318 10,813 13,724 16,219 18,299 9,229 10,487 13,633 17,304 20,450 23,072

61 - 65 8,797 9,997 12,996 16,495 19,494 21,993 11,016 12,518 16,273 20,654 24,409 27,539

66 - 70 10,887 12,372 16,083 20,413 24,125 27,217 13,518 15,362 19,970 25,347 29,955 33,795


Annual Premium Rates for PRUvalue med with Med Value Point of RM1 million (Occupational Class 1 & 2).Premium rates are based on standard risk and are subject to underwriting.

Without Med Saver



1 - 2 1,572 1,787 2,323 2,948 3,484 3,931 1,746 1,984 2,580 3,274 3,869 4,366

3 - 15 1,316 1,495 1,944 2,467 2,915 3,289 1,746 1,984 2,580 3,274 3,869 4,366

16 - 20 1,434 1,630 2,119 2,690 3,179 3,586 1,944 2,209 2,872 3,645 4,308 4,860

21 - 25 1,445 1,642 2,135 2,710 3,202 3,613 2,039 2,317 3,012 3,823 4,518 5,098

26 - 30 1,512 1,718 2,233 2,834 3,350 3,779 2,173 2,470 3,211 4,075 4,816 5,433

31 - 35 1,697 1,929 2,507 3,183 3,761 4,243 2,491 2,831 3,680 4,671 5,520 6,228

36 - 40 2,000 2,272 2,954 3,750 4,431 5,000 2,912 3,309 4,302 5,460 6,453 7,280

41 - 45 2,364 2,687 3,493 4,433 5,239 5,911 3,467 3,940 5,122 6,501 7,683 8,668

46 - 50 2,918 3,316 4,311 5,472 6,467 7,296 4,308 4,895 6,364 8,077 9,545 10,769

51 - 55 4,117 4,678 6,081 7,719 9,122 10,291 5,850 6,647 8,641 10,968 12,962 14,624

56 - 60 5,262 5,979 7,773 9,866 11,659 13,154 7,241 8,228 10,696 13,576 16,045 18,102

61 - 65 8,692 9,877 12,841 16,298 19,261 21,730

66 - 70 10,226 11,621 15,107 19,174 22,660 25,565


Without Med Saver



1 - 2 2,256 2,564 3,333 4,231 5,000 5,641 2,827 3,213 4,177 5,301 6,265 7,069

3 - 15 2,256 2,564 3,333 4,231 5,000 5,641 2,827 3,213 4,177 5,301 6,265 7,069

16 - 20 2,543 2,889 3,756 4,767 5,634 6,357 3,210 3,647 4,741 6,018 7,112 8,024

21 - 25 2,716 3,086 4,012 5,092 6,018 6,790 3,493 3,969 5,160 6,549 7,740 8,732

26 - 30 2,945 3,347 4,351 5,522 6,526 7,363 3,836 4,359 5,667 7,192 8,500 9,590

31 - 35 3,398 3,861 5,020 6,371 7,529 8,495 4,436 5,041 6,554 8,318 9,831 11,091

36 - 40 3,972 4,514 5,868 7,448 8,802 9,930 5,178 5,884 7,649 9,709 11,474 12,945

41 - 45 4,696 5,336 6,937 8,804 10,405 11,739 6,088 6,918 8,993 11,414 13,490 15,219

46 - 50 5,605 6,369 8,280 10,509 12,420 14,013 7,197 8,178 10,632 13,494 15,948 17,992

51 - 55 7,404 8,413 10,937 13,882 16,406 18,509 9,223 10,481 13,625 17,294 20,438 23,058

56 - 60 9,108 10,350 13,455 17,077 20,182 22,770 10,910 12,398 16,117 20,456 24,175 27,275

61 - 65 10,775 12,244 15,917 20,203 23,876 26,937 12,826 14,575 18,948 24,049 28,422 32,066

66 - 70 12,581 14,296 18,585 23,589 27,877 31,451 15,032 17,081 22,206 28,184 33,309 37,579





Deductible 20,000

Entry AgeNext Birthday Expiry Age 90 Expiry Age 100


1 - 2 481 547 711 903 1,067 1,203 613 696 905 1,149 1,358 1,532

3 - 15 481 547 711 903 1,067 1,203 613 696 905 1,149 1,358 1,532

16 - 20 549 623 810 1,029 1,216 1,371 698 793 1,031 1,309 1,547 1,745

21 - 25 626 711 925 1,174 1,387 1,565 798 906 1,178 1,495 1,767 1,994

26 - 30 719 817 1,062 1,348 1,593 1,797 917 1,042 1,355 1,720 2,032 2,293

31 - 35 831 944 1,228 1,558 1,842 2,078 1,065 1,210 1,573 1,997 2,360 2,662

36 - 40 970 1,102 1,433 1,819 2,150 2,425 1,243 1,412 1,836 2,330 2,754 3,107

41 - 45 1,144 1,300 1,690 2,145 2,535 2,860 1,458 1,656 2,153 2,733 3,230 3,644

46 - 50 1,358 1,543 2,006 2,546 3,009 3,395 1,716 1,949 2,534 3,216 3,801 4,288

51 - 55 1,612 1,832 2,381 3,022 3,572 4,029 2,025 2,301 2,992 3,797 4,487 5,063

56 - 60 1,978 2,248 2,923 3,709 4,384 4,946 2,398 2,724 3,542 4,495 5,312 5,993

61 - 65 2,334 2,653 3,449 4,377 5,173 5,836 2,832 3,219 4,184 5,311 6,277 7,081

66 - 70 2,733 3,106 4,038 5,125 6,056 6,833 3,340 3,795 4,934 6,262 7,401 8,350

Deductible 20,000

Expiry Age 70 Expiry Age 80Entry AgeNext Birthday


1 - 2 276 314 408 517 612 690 373 424 551 699 827 933

3 - 15 276 314 408 517 612 690 373 424 551 699 827 933

16 - 20 307 349 454 576 681 768 422 479 623 791 935 1,054

21 - 25 342 389 505 641 758 855 478 543 705 895 1,058 1,194

26 - 30 384 437 568 721 852 961 545 619 805 1,022 1,208 1,363

31 - 35 437 497 646 820 969 1,093 628 714 928 1,178 1,392 1,571

36 - 40 524 596 775 983 1,162 1,311 734 835 1,085 1,377 1,627 1,836

41 - 45 619 703 914 1,161 1,372 1,547 873 991 1,289 1,636 1,933 2,181

46 - 50 758 862 1,120 1,422 1,681 1,896 1,048 1,190 1,547 1,964 2,321 2,618

51 - 55 901 1,023 1,330 1,688 1,995 2,251 1,262 1,433 1,863 2,365 2,795 3,153

56 - 60 1,056 1,200 1,560 1,980 2,340 2,640 1,542 1,752 2,278 2,891 3,417 3,855

61 - 65 1,914 2,175 2,828 3,589 4,242 4,785

66 - 70 2,313 2,628 3,417 4,338 5,125 5,782




Deductible 50,000



1 - 2 209 238 309 392 464 523 274 311 405 514 607 685

3 - 15 209 238 309 392 464 523 274 311 405 514 607 685

16 - 20 229 260 338 429 507 572 305 347 451 572 677 763

21 - 25 250 284 369 469 554 625 341 387 504 639 755 852

26 - 30 277 315 410 520 614 693 385 438 569 722 854 963

31 - 35 314 356 463 588 695 784 442 502 652 828 979 1,104

36 - 40 372 423 550 698 825 931 514 584 759 964 1,139 1,285

41 - 45 436 495 644 817 966 1,089 607 689 896 1,138 1,344 1,517

46 - 50 529 601 782 992 1,172 1,323 750 852 1,108 1,407 1,662 1,875

51 - 55 612 696 905 1,148 1,357 1,531 884 1,004 1,305 1,657 1,958 2,209

56 - 60 741 842 1,095 1,390 1,643 1,853 1,078 1,225 1,593 2,022 2,389 2,696

61 - 65 1,293 1,469 1,910 2,424 2,864 3,231

66 - 70 1,620 1,841 2,393 3,037 3,589 4,049

Deductible 50,000



1 - 2 369 420 546 693 819 923 469 533 694 880 1,040 1,174

3 - 15 369 420 546 693 819 923 469 533 694 880 1,040 1,174

16 - 20 418 474 617 783 925 1,044 535 607 790 1,002 1,184 1,336

21 - 25 473 538 699 887 1,049 1,183 610 693 901 1,144 1,351 1,525

26 - 30 541 615 799 1,015 1,199 1,353 701 796 1,035 1,314 1,553 1,752

31 - 35 626 711 924 1,173 1,386 1,564 812 922 1,199 1,522 1,798 2,029

36 - 40 731 830 1,079 1,370 1,619 1,826 947 1,076 1,398 1,775 2,097 2,366

41 - 45 861 978 1,272 1,614 1,907 2,152 1,111 1,262 1,641 2,082 2,461 2,776

46 - 50 1,024 1,163 1,512 1,919 2,268 2,559 1,310 1,489 1,936 2,457 2,903 3,276

51 - 55 1,212 1,378 1,791 2,273 2,686 3,031 1,540 1,749 2,274 2,887 3,411 3,849

56 - 60 1,497 1,701 2,212 2,807 3,318 3,743 1,819 2,067 2,687 3,410 4,030 4,547

61 - 65 1,789 2,032 2,642 3,354 3,963 4,471 2,156 2,450 3,185 4,042 4,777 5,390

66 - 70 2,188 2,486 3,232 4,102 4,848 5,470 2,610 2,966 3,855 4,893 5,783 6,525




Deductible 75,000



1 - 2 180 204 266 337 398 449 235 268 348 441 522 589

3 - 15 180 204 266 337 398 449 235 268 348 441 522 589

16 - 20 197 223 290 368 436 491 262 298 388 492 581 656

21 - 25 215 244 317 403 476 537 293 333 433 549 649 732

26 - 30 238 271 352 447 528 596 331 376 489 620 733 827

31 - 35 269 306 398 505 597 674 379 431 561 712 841 949

36 - 40 320 364 473 600 709 800 442 502 653 828 979 1,104

41 - 45 374 425 553 702 830 936 521 592 770 977 1,155 1,303

46 - 50 454 517 671 852 1,007 1,136 644 732 952 1,208 1,428 1,611

51 - 55 526 598 777 986 1,166 1,315 759 863 1,121 1,423 1,682 1,898

56 - 60 637 724 941 1,194 1,411 1,592 926 1,053 1,369 1,737 2,053 2,316

61 - 65 1,111 1,262 1,641 2,082 2,461 2,776

66 - 70 1,392 1,582 2,056 2,610 3,084 3,479

Deductible 75,000



1 - 2 317 361 469 595 703 794 404 459 596 756 894 1,009

3 - 15 317 361 469 595 703 794 404 459 596 756 894 1,009

16 - 20 359 408 530 673 795 897 459 522 679 861 1,018 1,148

21 - 25 407 462 601 762 901 1,016 524 596 774 983 1,162 1,310

26 - 30 465 528 687 872 1,030 1,163 602 684 890 1,129 1,335 1,506

31 - 35 538 611 794 1,008 1,191 1,344 697 793 1,030 1,308 1,545 1,744

36 - 40 628 713 927 1,177 1,391 1,569 813 924 1,202 1,525 1,803 2,034

41 - 45 740 841 1,093 1,387 1,639 1,849 954 1,085 1,410 1,790 2,115 2,386

46 - 50 880 1,000 1,299 1,649 1,949 2,199 1,126 1,280 1,664 2,111 2,495 2,815

51 - 55 1,042 1,184 1,539 1,953 2,308 2,604 1,323 1,504 1,955 2,481 2,932 3,308

56 - 60 1,287 1,462 1,901 2,412 2,851 3,216 1,563 1,776 2,309 2,931 3,464 3,908

61 - 65 1,537 1,747 2,271 2,882 3,406 3,843 1,853 2,106 2,738 3,475 4,106 4,633

66 - 70 1,880 2,137 2,778 3,526 4,167 4,701 2,243 2,549 3,314 4,206 4,971 5,608




Deductible 100,000



1 - 2 150 171 222 282 333 376 197 224 291 369 436 492

3 - 15 150 171 222 282 333 376 197 224 291 369 436 492

16 - 20 164 187 243 308 364 411 219 249 324 411 486 548

21 - 25 180 204 265 337 398 449 245 278 362 459 543 612

26 - 30 199 226 294 373 441 498 277 314 409 519 613 692

31 - 35 225 256 333 422 499 563 317 361 469 595 703 793

36 - 40 268 304 395 502 593 669 369 420 546 693 818 923

41 - 45 313 356 462 587 693 782 436 495 644 817 966 1,089

46 - 50 380 432 561 712 842 950 539 612 796 1,010 1,194 1,347

51 - 55 440 500 649 824 974 1,099 635 721 938 1,190 1,406 1,587

56 - 60 532 605 786 998 1,180 1,331 775 880 1,144 1,452 1,716 1,936

61 - 65 929 1,055 1,372 1,741 2,058 2,322

66 - 70 1,164 1,323 1,719 2,182 2,579 2,910

Deductible 100,000



1 - 2 265 302 392 498 588 664 338 383 499 633 748 844

3 - 15 265 302 392 498 588 664 338 383 499 633 748 844

16 - 20 300 341 443 563 665 750 384 437 568 720 851 961

21 - 25 340 386 502 637 753 850 438 498 648 822 971 1,096

26 - 30 389 442 574 729 862 972 504 572 744 944 1,116 1,259

31 - 35 450 511 664 843 996 1,124 583 663 862 1,094 1,293 1,458

36 - 40 525 597 776 984 1,163 1,313 681 773 1,005 1,276 1,508 1,701

41 - 45 619 703 914 1,160 1,371 1,546 798 907 1,179 1,497 1,769 1,996

46 - 50 736 836 1,087 1,379 1,630 1,839 942 1,070 1,392 1,766 2,087 2,355

51 - 55 871 990 1,287 1,633 1,930 2,178 1,107 1,258 1,635 2,075 2,452 2,767

56 - 60 1,076 1,223 1,590 2,018 2,384 2,690 1,308 1,486 1,932 2,452 2,898 3,269

61 - 65 1,286 1,461 1,899 2,411 2,849 3,214 1,550 1,762 2,290 2,907 3,435 3,876

66 - 70 1,573 1,787 2,324 2,949 3,485 3,932 1,877 2,133 2,773 3,519 4,159 4,692



Exclusions

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

1) Pre-existing conditions.2) Specified Illnesses listed below occurring during the first 120 days from the commencement date of the rider, the date it is revived, whichever is later. (a) Hypertension, diabetes mellitus and Cardiovascular disease; (b) Growths of any kind including tumours, cancers, cysts, nodules, polyps; (c) Stones of the urinary system and biliary system; (d) Any disease of the ear, nose (including sinuses) or throat; (e) Hernias, haemorrhoids, fistulae, hydrocele or varicocele; (f) Any disease of the reproductive system including endometriosis; or (g) Any disorders of the spine (including a slipped disc) and knee conditions.3) Any medical or physical conditions and its signs or symptoms occurring within the first 30 days from the commencement date of the rider or the date it is revived, whichever is later, except for traumatic bodily injury caused by an accident.4) 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 commencement date of the rider, the date it is revived or the date of birth, whichever is latest.5) 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. 6) 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.7) Private nursing (except for Home Nursing Care Benefit), rest cures or sanitaria care.8) 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 required quarantine by law.9) Any treatment or surgical operation for congenital abnormalities or deformities including hereditary conditions. 10) Pregnancy, child birth (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 sterilization. 11) 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. 12) Suicide, attempted suicide or intentionally self-inflicted injury while sane or insane. 13) 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. 14) Ionising radiation or contamination by radioactivity from any nuclear fuel or nuclear waste from process of nuclear fission or from any nuclear weapons material. 15) Expenses incurred for donation of any body parts or organ by a Life Assured and acquisition of the organ including all costs incurred by the donor during organ transplant and its complications.

16) 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.17) 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. 18) Psychotic, mental or nervous disorders (including any neuroses and their physiological or psychosomatic manifestations). 19) 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 item. 20) 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.21) Private flying other than as a fare-paying passenger in any commercial scheduled airlines licensed to carry passengers over established routes.22) Expenses incurred for sex changes.23) Experimental treatment, 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 you receive the treatment.24) Care or treatment that do not lead to a recovery, conservation of your condition or restoration to your previous state of health.

YOU SHOULD SATISFY YOURSELF THAT THIS PRODUCT WILL BEST SERVE YOUR NEEDS. YOU SHOULD READ AND UNDERSTAND THE INSURANCE POLICY AND DISCUSS WITH THE AGENT OR CONTACT THE INSURANCE COMPANY DIRECTLY FOR MORE INFORMATION. IT IS IMPORTANT THAT ANY RECEIPT THAT YOU RECEIVE SHOULD BE KEPT AS PROOF OF PAYMENT OF PREMIUMS.

Note:This list is non-exhaustive. Please refer to the Policy Document for more details about the major exclusions under this policy.

Important Notes

• This brochure is for illustrative purposes only. You are advised to refer to the Product Disclosure Sheet and Sales Illustration before purchasing a plan, and to refer to the terms and conditions in the policy document for details of the important features of the plan.

• You should assess the affordability and suitability of the product (including optional benefits) in relation to your financial goals and risk appetite. To achieve that, 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 must inform us of any change in your occupation, avocation or sports activities because it may affect the premiums, terms, conditions and benefits.

• Emergency Medical Assistance and Expert Medical Opinion 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.

• PRUvalue med is guaranteed to be renewable but premium rates and / or insurance charges are not guaranteed. We reserve the right to revise the premium rates and / or insurance charges at policy anniversary by giving you a 30-day notice.

• Coverage to expiry age is subject to sufficient funds for insurance charges and service charges.

• Non-payment of premiums may cause your policy to lapse.

• There is a free-look period of 15 days after the delivery of your policy to allow you to review if it meets your needs. If the policy (which PRUvalue med is attached to) is cancelled within this period, the value of units (at next pricing day) plus the unallocated premiums, service charge, insurance charges and Goods and Services Tax (if any) less medical expenses will be refunded.

• If you cancel the policy (which PRUvalue med is attached to) in the early years, you may not be able to obtain the full value from the amount you have paid in. Upon surrender, the benefits under PRUvalue med will lapse.

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

• PRUvalue med is not a Shariah Compliant product.

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).

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

05/2017

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