PRUlink one

Specially prepared for:

ARVINRAJ BATUMALAI

Prepared by: INA

Prudential Assurance Malaysia Berhad (PAMB) is a licensed insurance company and is regulated by Bank Negara Malaysia (BNM).

PRUDENTIAL ASSURANCE MALAYSIA BERHAD

Product Disclosure Sheet for PRUlink one
Please read this Product Disclosure Sheet before you decide to take up PRUlink one. Be sure to also read the general terms and conditions.
The information provided in this disclosure sheet is valid as at 22/04/2014.
1. What is this product about?
PRUlink one is a regular premium investment-linked insurance policy (ILIP). The basic plan offers a combination of insurance protection and
investment. It pays a lump sum death benefit (i.e. the basic sum assured) and the value of the investment units should you suffer from TPD before age
70 or pass away. In addition to the basic plan, you can choose from a range of optional and add-on benefits to suit your budget and prevailing needs
for other covers, subject to additional premium.
The value of the ILIP depends on the price of underlying units, which in turn depends on the performance of the fund(s) invested.
2. What are the benefits provided?
Benefit
Death Benefit

Amount

Benefit
Medical Benefit (1) PRUhealth

Amount

Lump sum

RM 80,000 plus the total

investment value

Room & Board

NA

Income

NA

Medical Reimbursement

NA

i) Hospital and Surgical Benefit

Auto Increase of Death Benefit

ii) Outpatient Treatment Benefit

NA

(On 5th , 8th , 11th and 14th riders anniversary)

Reimbursement up to
i) Annual limit on benefits payable

NA

Total & Permanent Disability Benefit

Lump sum

ii) Aggregate lifetime limit payable

NA

No claims bonus

NA

Auto upgrade to next higher plan

(on 5th and 10 th rider's anniversary)

NA

Auto switch to coinsurance plan at

age 55

NA

Income
Auto Increase of Total and
Disability Benefit

RM 80,000
NA

NA

(On 5th , 8th , 11th and 14th riders anniversary)

Medical Benefit (2) PRUmedic overseas

Critical Illness Benefit

Lump sum

RM 80,000

Medical Reimbursement

Early Critical Illness

NA

i) Hospital & Surgical Benefit

ii) Outpatient Treatment Benefit

Income

NA

NA

Reimbursement up to

Accidental Benefit
Accidental death/injury

Up to RM 20,000

Accidental Medical Reimbursement

Up to RM2,000 per accident

Accidental Income
i)Temporary Total Disability

NA

ii)Temporary Partial Disability

NA

i) Annual limits on benefits payable

ii) Aggregate lifetime limit payable

NA

Well-being benefit

NA

Medical Benefit (3) PRUmedic essential

Hospital Cash Benefit

NA

ICU Cash Benefit

NA

iii) Confinement in government hospital NA

Hospitalisation Income Benefit
Hospital Confinement

RM 250 per day

ICU Confinement

RM 200 per day

Surgical Procedure Benefit

Up to RM 5000 per
surgery

Medical Reimbursement
i) Surgical, In-Hospital and Related
Services Benefit
ii) Day Surgery Benefit

NA

iii) Emergency Accidental Treatment

Benefit (up to RM1,000 per accident)
Medical Benefit (4) PRUflexi med

Payor Benefit
Payor on life assured's life

RM 2,400 p.a.

Room & Board Allowance

RM 200

Payor on spouse's life

NA

Medical Reimbursement

As Charged

i) Hospital & Surgical Benefit

ii) Outpatient Treatment Benefit
Medical Reimbursement up to
i) Annual limit on benefits payable

RM 70,000

ii) Aggregate lifetime limit payable

RM 1,400,000

Medical Benefit - PRUclinic care

Medical Reimbursement at Panel Clinics
up to
i) Annual limit on benefits payable

NA

Fund invested:
Local Funds
PRUlink equity fund
PRUlink dana unggul

: 0%

PRUlink managed fund II

: 0%

PRUlink bond fund

: 100%

PRUlink dana urus II

: 0%

PRUlink dana aman

: 0%
: 0%

PRUlink dragon peacock fund

PRUlink Asia equity fund

: 0%
: 0%

Global Funds
PRUlink Asia property securities fund : 0%
PRUlink Asia managed fund
: 0%

: 0%
PRUlink Asia local bond fund
PRUlink global market navigator fund : 0%

Reminder : Please refer to the sales illustration for more information about the benefits of the basic plan and its optional and add-on benefits, as
well as the objectives of the investment-linked fund. It is important to select a plan or a combination of funds that suit your financial goals and risk
profile.
3. How much premium do I have to pay?
The total premium that you have to pay and the policy terms may vary depending on the underwriting requirements of the insurance company. The
estimated total premium that you have to pay is RM200.00 monthly. You are given one month's grace period after the due date for the payment of
premium.
The insurance company allocates 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 of the insurance company. You are advised to refer to the allocation rates given in the
sales illustration.
4. What are the fees and charges I have to pay?
The insurance coverage charges are deducted monthly from the value of your units. The insurance charges will increase as you grow older. Details of
the insurance charges for the ILIP are given in the sales illustration.
Other fees and charges are as follows:
Service charge of RM5 is levied monthly.
Fund switch fee is set at 1% subject to a maximum of RM50. Four free switches are allowed every year. There is no flexibility to switch fund if
PRUlifestyle saver is attached and it has not expired.
Top-up/ LifestyleTop-up incurs a one-off fee of RM25.
Fund management charge levied will depend on the fund(s) invested. Details of fund management charge are given in the sales illustration.
Note: We may change the fees and charges above at policy anniversary by giving a 90-day notice to you (30 days for medical benefits and
hospitalisation income benefits) except for Fund Management Charge that we may change it from time to time.
5. What are some of the key terms and conditions that I should be aware of?
Importance of disclosure - you must disclose all material facts such as medical condition and your occupation which would affect the risk profile
and state your age correctly.
Free-look period - you may cancel your ILIP by returning the policy within 15 days after the policy has been delivered to you. The insurance
company 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 and other charges that have been deducted less any medical fee incurred.
Cash value - the cash value of the ILIP depends on the performance of the investment-linked fund(s) invested. 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.
Policy lapse - The ILIP will lapse when the value of investment units is insufficient to pay for the insurance and other charges.
Waiting period (if applicable)
Benefit
Critical Illness & Payor Benefit

Conditions
Heart attack, coronary artery disease and cancer
All other illnesses

Early Critical Illness Benefit

Medical Benefit

Clinical Benefit (PRUclinic care )

Waiting Period
60 days
30 days

Low and medium severity illnesses

90 days

Special Benefit

60 days

Specified illnesses

120 days

All other illnesses

30 days

Hospitalisation due to accidents

Immediately

All conditions

1 day from
commencement
date

Hospitalisation Income Benefit

Accidental Benefit

Hospitalisation due to accidents

Immediately

All other causes

30 days

All conditions

Immediately

Coinsurance/ deductible for medical benefits (if applicable)

(1) PRUhealth
You will have to pay 10% of the total cost of an eligible benefit (excluding daily room & board), subject to minimum coinsurance amount of RM300
and maximum coinsurance amount of RM1,000 for Hospital & Surgical Benefit and maximum coinsurance amount of RM2,000 for Outpatient
Treatment Benefit. We reserve the right to revise the minimum and maximum coinsurance amount at policy anniversary, by giving 30 day notice
(2) PRUmedic overseas
We will bear the total cost of an eligible benefit up to annual limit for treatment/ hospitalisation of covered conditions in Singapore, Hong Kong and
China.
(3) PRUmedic essential
You will have to pay 10% of the total cost of an eligible benefit (excluding Hospital & Intensive Care Unit Cash Benefits), subject to maximum
coinsurance amount of RM1,000 per year. The Coinsurance is not applicable to treatments incurred during confinement in Government Hospital
and treatment incurred after suffering from TPD or Critical Illness.
(4) PRUflexi med
We will bear the total cost of an eligible benefit (excluding the cost of daily room & board) up to annual limit.

Note: This list is non-exhaustive. Please refer to the policy contract for the full list of terms and conditions under this policy.
6. What are the major exclusions under this policy?
If it is a suicide within the first year from the commencement date of the policy or the date of policy revival, we shall pay the sum of value of units at the
valuation date after the date of notification.
Total and permanent disability benefit is not payable if the disability is directly or indirectly caused by
(a) any attempted suicide or self-inflicted injury whether attempted/inflicted while sane or insane; or
(b) any traveling 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
(c) any participation in any aerial sporting activities such as hang-gliding, ballooning, parachuting, sky-diving, bungee jumping and other such
similar activities
This policy does not cover pre-existing condition
Note: This list is non-exhaustive. Please refer to the policy contract for more details about the major exclusions under this policy.
7. Can I cancel my policy?
Buying a regular premium ILIP is a long-term commitment. It is not advisable to hold this policy for a short period of time in view of the high initial
costs. If you find that the fund you have chosen is no longer appropriate, you have the flexibility to switch fund. You are allowed 4 switches per year
without any fee. For additional switches, you may be charged a processing fee. You may cancel your policy by giving a written notice to the
insurance company. Upon cancellation, you are entitled to receive the value of the investment units.

8. What do I need to do if there are changes to my contact details?

It is important that you inform us of any change in your contact details to ensure that all correspondences reach you in a timely manner.
9. Where can I get further information?
Should you require additional information about investment-linked insurance and medical & health insurance, please refer to the insuranceinfo
booklet on Investment-Linked Insurance and Medical & Health Insurance, available at all our branches or you can obtain a copy from your insurance
agent/ wealth planner or visit www.insuranceinfo.com.my . If you have any enquiries, please contact us at:
Prudential Assurance Malaysia Berhad
Menara Prudential, 10 Jalan Sultan Ismail,
50250 Kuala Lumpur, Malaysia.
Tel: 03-2031 8228 Fax: 03-2032 3939
E-mail: customer.mys@prudential.com.my
10. Other similar types of plan available
Please ask your insurer/agent/wealth planner for other similar types of plans offered by the insurer.
IMPORTANT NOTE:
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. YOU MUST EVALUATE YOUR OPTIONS CAREFULLY AND SATISFY YOURSELF THAT
THE INVESTMENT-LINKED INSURANCE PLAN CHOSEN MEET YOUR RISK APPETITE, AND THAT YOU CAN AFFORD THE PREMIUM
THROUGHOUT THE POLICY DURATION. TO INCREASE INVESTMENT VALUE AT ANY TIME, IT IS ADVISABLE THAT YOU PAY THE
ADDITIONAL PREMIUMS AS TOP UPS. RETURN ON AN INVESTMENT-LINKED FUND IS NOT GUARANTEED. 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.

PRUDENTIAL ASSURANCE MALAYSIA BERHAD

Sales Illustration for PRUlink one
Details

Life Assured's Details

Name

: ARVINRAJ BATUMALAI

Plan Type

Date of birth

: 30/11/1988

Total Premium
: RM 200.00
Payment frequency : Monthly
Payment mode
: Credit Card

Age next birthday : 26

Gender

: Male

Smoking status

: No

: Investment-linked Insurance

Occupation class : Class 1

Fund invested:
Local Funds
PRUlink equity fund (PE)
PRUlink dana unggul (HE)

: 0%

PRUlink managed fund II (PM2)

: 100% PRUlink dana urus II (HM2)

: 0%

PRUlink bond fund (PF)

: 0%

: 0%

PRUlink dana aman (HF)

: 0%

: 0%

PRUlink dragon peacock fund (DPF): 0%

Global Funds
PRUlink Asia property securities fund (APS) : 0%
PRUlink Asia managed fund (AMF)
: 0%
Benefits:
Accounts
Basic Unit Account:

PRUlink Asia local bond fund (ALB)

PRUlink global market navigator fund (GMN) : 0% PRUlink Asia equity fund (ASF)

Plan

Term (Years)

PRUlink one
Crisis Shield
PRUacci guard

Protection Unit Account : PRUacci med

PRUflexi med (R&B Allowance/Annual Limit)
PRUmed
Hospital Benefit
Enhanced PRUpayor basic

74
74
44

Sum Assured (RM)

80,000
80,000
20,000
Total Basic Unit Account Premium

44
44

2,000
200/70,000
Deductible:0
2 Unit(s)
3 Unit(s)
2,400 p.a.

44
44
74

Total Protection Unit Account Premium

Total Premium

: 0%

Premium (RM)
41.44
20.80
2.80
65.04(A)
3.39
90.88
16.66
12.51
11.52
134.96(B)
200.00 (A+B)

Note: There is an additional 6% service tax which is chargeable on all premiums paid by business organizations. This service tax does not affect the
projection of cash value.

Presented by :
Date:
Version :

INA EA110000
22 Apr, 2014
SQS - Agency ver 4.9.0.2

Page 1 of 16

IMPORTANT:
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.
1. You should read this illustration together with the fund fact sheet(s) of the investment-linked fund(s) which you have chosen. The fund fact
sheet contains all the important information that you will need to know regarding the investment-linked fund(s).
2. For more information about the benefits of the basic plan and its optional and add-on benefits, as well as the objective of each investment-linked
fund, please refer to Appendix at the end of this sales illustration.
3. Since only 40% of the Annual Premium for the first policy year is allocated towards the purchase of units, while top-up allocates 95% of the
amount towards purchasing units, you can maximise your investment value by maintaining sufficient premium to meet your insurance benefits
and increasing your top-ups.
Minimum Annual Premium Required : RM 1,200
Minimum Top-ups allowed
: RM 500
4. Therefore, if your purchase involves a premium of sizeable amount say RM5,000 and above, you should consider purchasing single
premium investment-linked policy (rather than a regular premium policy) as single premium plans offer better allocation rates for investment.
5. Your investment-linked policy will terminate if there are insufficient units in your fund to pay the required charges. Your units could be
insufficient over the years due to:
a) Poor investment return
b) Premium holiday - i.e. if you stop paying premiums for a long period of time.
c) High insurance charges if you buy a lot of optional and add-on benefits, and especially if the charges are increasing over time as you get
older.
6. The choice of funds selected should be based on, among others, your tolerance to risk. Please seek advice from your insurance agent/ wealth
planner or insurance company on your tolerance to risk.
WARNING:
YOUR INSURANCE CHARGES WILL INCREASE AS YOU GET OLDER. IN THE LATER YEARS, IT IS POSSIBLE THAT THE ACCUMULATED
FUND VALUE IS NOT ENOUGH TO PAY FOR YOUR INSURANCE CHARGES DUE TO POOR INVESTMENT RETURNS, WHICH WILL RESULT IN
YOUR POLICY BEING CANCELLED. YOU MAY NEED TO INCREASE YOUR PREMIUMS OR REDUCE THE LEVEL OF INSURANCE
PROTECTION, IF YOU WANT TO MAINTAIN YOUR POLICY*.
* You should ask your insurance agent/ wealth planner to explain to you about the insurance charges and its effect on your future insurance
coverage.
SUMMARY ILLUSTRATION:
1. The summary illustration in the following pages is intended to show the movements of possible cash flows for the investment and the impact
of fees and charges on cash values based on illustration below.
2. The projected investment returns used below are for illustrative purposes and not meant to show possible returns of your chosen investment fund(s).
They are neither guaranteed nor based on the past performance.
3. Actual returns of the fund will fluctuate (i.e. rise or fall) each year based on the past performance of the assets of the fund invests in. The
actual returns may even be below the projected rates or negative.

Presented by :
Date:
Version :

INA EA110000
22 Apr, 2014
SQS - Agency ver 4.9.0.2

Page 2 of 16

Summary Illustration
End
of
Age
Policy
Year
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30

Premium
Paid at the
Beginning
Year (RM)

27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56

2,400
2,400
2,400
2,400
2,400
2,400
2,400
2,400
2,400
2,400
2,400
2,400
2,400
2,400
2,400
2,400
2,400
2,400
2,400
2,400
2,400
2,400
2,400
2,400
2,400
2,400
2,400
2,400
2,400
2,400

Total
Loyalty
Premium Bonus
Outlay Credited
(RM)

2,400
4,800
7,200
9,600
12,000
14,400
16,800
19,200
21,600
24,000
26,400
28,800
31,200
33,600
36,000
38,400
40,800
43,200
45,600
48,000
50,400
52,800
55,200
57,600
60,000
62,400
64,800
67,200
69,600
72,000

0
0
0
0
0
0
0
0
0
120
0
0
120
0
0
120
0
0
120
0
0
120
0
0
120
0
0
120
0
0

Basic Unit Account Cash

Value (RM)
Projected
Investment
Return
(X%)
110
303
585
962
1,515
2,103
2,806
3,552
4,345
5,225
6,120
7,068
8,109
9,168
10,277
11,468
12,665
13,902
15,214
16,524
17,408
18,305
19,134
19,921
20,695
21,375
21,991
22,583
23,072
23,480

Projected
Investment
Return
(Y%)
106
286
540
867
1,342
1,815
2,363
2,909
3,452
4,032
4,568
5,098
5,660
6,172
6,663
7,165
7,594
7,985
8,370
8,667
8,912
9,136
9,259
9,307
9,312
9,195
8,988
8,732
8,351
7,869

Protection Unit Account Cash

Value (RM)
Projected
Investment
Return
(X%)
14
112
377
810
1,589
2,398
3,408
4,463
5,567
6,803
8,020
9,296
10,711
12,111
13,580
15,190
16,769
18,394
20,146
21,868
23,023
24,214
25,277
26,277
27,300
28,197
29,017
29,820
30,437
30,936

Investment Unit Account

Cash Value (RM)

Projected
No Claims
Investment
Bonus
Return
Credited
(Y%)
14
0
107
0
357
0
752
0
1,454
0
2,137
0
2,963
0
3,770
0
4,556
0
5,405
0
6,153
0
6,881
0
7,666
0
8,343
0
8,997
0
9,696
0
10,260
0
10,766
0
11,292
0
11,675
0
11,984
0
12,286
0
12,415
0
12,442
0
12,453
0
12,297
0
12,031
0
11,716
0
11,185
0
10,512
0

Projected
Projected
Investment Investment
Return
Return
(Y%)
(X%)
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

Where " - " is shown in the above illustration, this indicates that the policy has ceased to be in-force under the respective projected investment returns.

Presented by :
Date:
Version :

INA EA110000
22 Apr, 2014
SQS - Agency ver 4.9.0.2

Page 3 of 16

Summary Illustration (Continue)

Guaranteed**
End of
Policy Age
Year

Non-Guaranteed
Projected Investment Return (X%)

Death Sum
Assured^ (RM)

Critical Illness Sum

Assured (RM)

Total
Cash
Value
(RM)

Total
Death
Benefit^
(RM)

Projected Investment Return (Y%)

Total
Cash
Value
(RM)

Total
Death
Benefit^
(RM)

1
27
80,000
80,000
124
80,124
120
80,120
2
28
80,000
80,000
415
80,415
393
80,393
3
29
80,000
80,000
962
80,962
897
80,897
4
30
80,000
80,000
1,772
81,772
1,619
81,619
5
31
80,000
80,000
3,104
83,104
2,796
82,796
6
32
80,000
80,000
4,501
84,501
3,952
83,952
7
33
80,000
80,000
6,214
86,214
5,326
85,326
8
34
80,000
80,000
8,015
88,015
6,679
86,679
9
35
80,000
80,000
9,912
89,912
8,008
88,008
10
36
80,000
80,000
12,028
92,028
9,437
89,437
11
37
80,000
80,000
14,140
94,140
10,721
90,721
12
38
80,000
80,000
16,364
96,364
11,979
91,979
13
39
80,000
80,000
18,820
98,820
13,326
93,326
14
40
80,000
80,000
21,279
101,279
14,515
94,515
15
41
80,000
80,000
23,857
103,857
15,660
95,660
16
42
80,000
80,000
26,658
106,658
16,861
96,861
17
43
80,000
80,000
29,434
109,434
17,854
97,854
18
44
80,000
80,000
32,296
112,296
18,751
98,751
19
45
80,000
80,000
35,360
115,360
19,662
99,662
20
46
80,000
80,000
38,392
118,392
20,342
100,342
21
47
80,000
80,000
40,431
120,431
20,896
100,896
22
48
80,000
80,000
42,519
122,519
21,422
101,422
23
49
80,000
80,000
44,411
124,411
21,674
101,674
24
50
80,000
80,000
46,198
126,198
21,749
101,749
25
51
80,000
80,000
47,995
127,995
21,765
101,765
26
52
80,000
80,000
49,572
129,572
21,492
101,492
27
53
80,000
80,000
51,008
131,008
21,019
101,019
28
54
80,000
80,000
52,403
132,403
20,448
100,448
29
55
80,000
80,000
53,509
133,509
19,536
99,536
30
56
80,000
80,000
54,416
134,416
18,381
98,381
Where " - " is shown in the above illustration, this indicates that the policy has ceased to be in-force under the respective projected investment returns.
The Death Sum Assured and Total Death Benefit illustrated are not inclusive of PRUlife incomes sum assured. If PRUlife income is attached, its sum
assured will be payable as yearly income for 20 years.
**The amount is guaranteed payable as long as the policy is in force and there are positive values in the BUA, PUA and IUA. Please see column under
Total Cash Value.
^ Provided no critical illness claim has been made
* Only applicable for Projected Investment Return (X%) as the policy has ceased to be in-force under Projected Investment Return (Y%).
+Only applicable if PRUlifestyle saver is selected.

Presented by :
Date:
Version :

INA EA110000
22 Apr, 2014
SQS - Agency ver 4.9.0.2

Page 4 of 16

Summary Illustration (Continue)

Allocated Premium (RM)
End
of
Age
Policy
Year

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30

27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56

BUA

312
390
468
546
702
702
780
780
780
780
780
780
780
780
780
780
780
780
780
780
780
780
780
780
780
780
780
780
780
780

PUA

648
810
972
1,134
1,458
1,458
1,620
1,620
1,620
1,620
1,620
1,620
1,620
1,620
1,620
1,620
1,620
1,620
1,620
1,620
1,620
1,620
1,620
1,620
1,620
1,620
1,620
1,620
1,620
1,620

IUA

N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A

Annual Charges (RM)

Projected Investment Projected Investment
Other
Return X%
Medical Optional
Return Y%
Unallocated
Benefit & Add-on Other
Premium 1
Basic
Fund
Fund Insurance Benefit(s) Charges
Basic
(RM)
Insurance
Mgmt
Mgmt
Insurance
Charge Insurance (RM)
Charge
Charge
Charge
Charge
(RM)
Charge
(RM)
(RM)
(RM)
(RM)
(RM)
1,440
100
1
100
1
389
291
60
1,200
100
4
100
4
468
301
60
960
100
11
100
10
468
312
60
720
100
21
100
19
481
321
60
240
100
37
100
34
488
342
60
240
100
58
100
51
507
348
60
0
100
81
100
70
526
356
60
0
100
107
100
91
545
364
60
0
100
135
100
111
564
372
60
0
100
164
100
131
582
380
60
0
100
196
100
152
601
389
60
0
100
229
100
171
620
400
60
0
100
263
100
190
639
418
60
0
101
301
101
210
657
440
60
0
107
338
107
227
676
463
60
0
119
378
119
244
703
493
60
0
134
420
134
261
740
532
60
0
150
462
150
275
777
578
60
0
170
506
170
288
814
630
60
0
192
552
192
301
851
685
60
0
216
591
216
310
895
744
60
0
245
621
245
317
951
809
60
0
276
651
276
324
1,007
880
60
0
311
679
311
326
1,065
963
60
0
350
705
350
326
1,126
1,042
60
0
394
731
394
325
1,192
1,099
60
0
442
753
442
319
1,268
1,175
60
0
496
773
496
310
1,347
1,257
60
0
555
793
555
300
1,432
1,334
60
0
621
808
621
284
1,518
1,420
60

Direct
Distr.
Cost 2
(RM)

720
840
480
600
360
360
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

1 This

represents a charge to your premium and is used to meet the direct distribution cost and company's expenses.
Cost directly attributed to the distribution channel for the sale/ marketing of this policy, i.e. payments to agent/ wealth planner. This cost is paid from
the charges that are imposed on your policy for services that the agent/ wealth planner will provide to you for the duration of your policy. The agent/
wealth planner may also entitle to production and persistency bonus during the first three years of the policy provided that the agent/ wealth planner
meets the qualifying criteria set by insurer.
Where - is shown in the above illustration, this indicates that the policy has cease to be in-force under the respective projected investment returns.

Presented by :
Date:
Version :

INA EA110000
22 Apr, 2014
SQS - Agency ver 4.9.0.2

Page 5 of 16

Notes:

7. Total Cash Value

Prudential believes it is important that you fully appreciate all the

benefits under your policy, and that you also understand how the
cost of insurance protection, distribution, administration, investment
and other costs affect these benefits.
You should assess the affordability and suitability of the product
(including optional benefits) in relation to your financial goals and risk
appetite. To achieve this, we recommend you speak to your agent or
Wealth Planner who will perform a needs analysis and assist you to
make an informed decision.
Buying a regular premium life policy is a long term commitment. It is
not advisable to hold this policy for a short period of time in view of
the high initial costs.
Should you stop paying premium, the plan may continue for as long as
there are sufficient units in the account. The charges (insurance
charge and service charge) for the respective accounts will be
deducted through cancellation of units, subject to consent given by
you.
PRUlink one is not a syariah-compliant product. Please refer to policy
document for more details on the product.
The information set out below explains the individual items in the
Summary Illustration table. All premium and benefit amounts are
stated in monetary value. The benefit is only applicable as long as
the policy is in force.

This is the projected value of units in Basic Unit Account, Protection

Unit Account and Investment Unit Account at the end of the policy
year that you may receive if you surrender the policy and is net of
tax and all applicable charges.
If the policy is terminated early, you may get less than the amount of
premiums paid.
The above illustration assumes cross support among Basic Unit
Account, Protection Unit Account and Investment Unit Account
within the policy.
8. Total Death Benefit

1. Premium Paid

Type of Fund

This amount comprises Sum Assured of the Basic Assurance, PRUlife

growth, Crisis Shield Plus (if applicable) and the Cash Value of Basic
Unit Account, Protection Unit Account and Investment Unit Account
which will be payable upon your death.
9. Projected Investment Return
The rate of projection of benefits below assumes current law, tax, charges
and investment returns (per annum).
The Cash Value for the BUA, PUA and IUA after Year 20 of the policy are
projected at a different Projected Investment Return rate.
Projected
Investment
Return (X%)

Projected
Investment
Return (X%)

First 20 years

After 20 years

Projected
Investment
Return (Y%)

This is the amount that you (the policyholder) pay for this policy. Please
take note that not all of the amount paid will be invested into the
investment-linked fund(s). Please refer to the explanation on unallocated
and allocated premium.

Equity Fund

9%

6.0%

2%

2. Basic Unit Account (BUA) Cash Value

Managed Fund

8%

5.5%

3%

The BUA cash value is the balance unit value of all past allocated Linked
Premium (consists of Basic Assurance and Optional Benefit, if any) and
loyalty bonus** credited, less charge levied.

Bond Fund

7%

5.0%

4%

All Years

The X% and Y% returns above have been used respectively to represent the
range of possible returns of Investment-linked funds. The illustrated returns
The PUA cash value is the balance unit value of all past allocated Add-On are net after deduction of fund tax and the annual fund management charge.
It is emphasised that the X% and Y% assumptions are only for the purposes
Benefits premium and loyalty bonus** credited, less charges levied.
of illustration and do not represent the upper and lower limit of the actual rate
4. Investment Unit Account (IUA) Cash Value
that may occur.
The IUA is the balance unit value of all past allocated PRUsaver
Please refer to Appendix for Investment-linked Funds for more information
premium, and no claims bonus*** credited.
on the past actual annual investment returns of the investment-linked funds.

3. Protection Unit Account (PUA) Cash Value

**Loyalty bonus : We will credit 5% of annualised premium (excluding

premiums for top-ups and PRUsaver/ premium) into units upon
completion of the 10th policy year and every 3 years
thereafter if you consistently pay your premium on a timely manner,
subject to terms and conditions stipulated in your policy document.
***No claims bonus (if PRUhealth is attached): The projected cash
value assumes no medical claims are made from PRUhealth. Note that
if you make a claim from PRUhealth, the projected cash value will be
lower than illustrated.

10.Allocated Premium
This is the amount that will be used to purchase units in the investmentlinked fund(s). Illustrated below is the premium allocation rate for a
benefit term of 20 years and above. For benefit term below 20 years,
the premium allocation rate will be scaled up proportionately. For
PRUsaver and top-ups, the premium allocation is 95%.
Example: Assuming your yearly combined premium for Basic Unit
Account (BUA) and Protection Unit Account (PUA) is RM1,200 and for
Investment Unit Account (IUA) is RM600, your premium allocation will
be as follows:

5. Death Sum Assured

Death Sum Assured comprises sum assured of the Basic Assurance,
PRUlife growth and Crisis Shield Plus (if applicable), which is the
minimum amount to be received on death or TPD before age 70.

Policy Year

6. Critical Illness Sum Assured

Allocated % 40%
Premium
RM 480

This is the amount that will be payable upon diagnosis of a critical

illness.
This amount comprises Sum Assured of the Crisis Defender, Crisis
Shield Plus, Crisis Shield and Multiple Crisis Protector.
Early Crisis Protector Sum Assured will be payable upon diagnosis of
early critical illness that are being listed in the below appendix.

BUA & PUA

1,200
premium

IUA
Premium

600

Allocated % 95%
Premium RM 570

5&6

7
& above

1,200

1,200

1,200

1,200

1,200

50%

60%

70%

90%

100%

600

720

840

1080

1200

600

600

600

600

600

95%

95%

95%

95%

95%

570

570

570

570

570

11. Unallocated Premium

The unallocated premium charge is an upfront charge on the premium
paid and is used to meet insurers expenses and direct distribution cost,
including commissions payable to the agent/ wealth planner.

Presented by :
Date:
Version :

INA EA110000
22 Apr, 2014
SQS - Agency ver 4.9.0.2

Page 6 of 16

12. Charges
Insurance Charges are deducted monthly from the value of your units
to pay for your insurance coverage. The insurance charge for insurance
coverage varies by the attained age, gender, occupational class, health
condition and smoking status. The insurance charges will increase as
you grow older.

The illustrated insurance and other charges are based on current levels.
They are not guaranteed and may be varied at policy anniversary by
giving a 90-day notice (30 days for medical benefits and hospitalisation
income benefits) except for Fund Management Charge that we may
change it from time to time.

Medical benefit insurance charge include insurance charge for

PRUhealth or PRUflexi med, PRUclinic care (if any), PRUannual limit
waiver (if any), PRUmedic overseas (if any), PRUmedic auto upgrade(if
any), PRUmedic essential(if any) and PRUmedic retirement (if any).
Other Charges include service charge, administration charge and
guarantee charge. (if it applies).

This is an investment-linked policy and the insurance charges may increase

according to age. According to the benefits that you have purchased, the
total insurance charges charged will be more than the premium paid for that
year at the age of 51.

13. Total Cost of Insurance More Than Premium Paid

Fund Management Charge refers to the annual management fee (% of

investment-linked fund) deducted to cover cost of managing investment
fund. Please refer to Appendix for Investment-link Funds for more
information about the fund management charge for the investment-link
funds
These charges are taken out of your investment-linked fund(s).

Presented by :
Date:
Version :

INA EA110000
22 Apr, 2014
SQS - Agency ver 4.9.0.2

Page 7 of 16

Appendix: Investment-linked Funds

The investment-linked funds below are managed by the investment team of Eastspring Investments Berhad (formerly known as Prudential Fund
Management Berhad).
Investment Objective
PRUlink equity fund (PE) (Equity fund):
This fund aims to maximise returns over medium to long term by investing in high quality shares listed on the Bursa Malaysia.
PRUlink managed fund II (PM2) (Managed fund):
This fund is a managed fund that seeks to maximise returns over medium to long term. This is achieved by investing in shares and fixed interest
securities through PRUlink equity fund and PRUlink bond fund and in any other PRUlink funds that may become available in the future. The allocation
of the PRUlink managed fund II is set to 80% PRUlink equity fund and 20% PRUlink bond fund.
PRUlink bond fund (PF) (Bond fund):
This fund aims to provide medium to long term accumulation of capital, by investing in selected fixed interest securities, corporate bonds deposits and
fixed deposits.
PRUlink dana unggul (HE) (Equity fund):
This fund aims to maximise returns over medium to long term by investing in high quality Syariah-approved shares listed on the Bursa Malaysia.
PRUlink dana urus II (HM2) (Managed fund):
This fund is a managed fund that seeks to maximise returns over medium to long term. This is achieved by investing in Syariah-approved shares and
Islamic debt securities through PRUlink dana unggul and PRUlink dana aman and in any other such PRUlink Funds that may become available in the
future. The allocation of the PRUlink dana urus II is set to 80% PRUlink dana unggul and 20% PRUlink dana aman.
PRUlink dana aman (HF) (Bond fund):
This fund aims to provide medium to long term accumulation of capital by investing in selected Islamic debt securities.
PRUlink Asia property securities fund (APF) (Equity fund):
PRUlink Asia property securities fund is an actively managed fund that seeks to maximise income and long-term returns. This is achieved by investing in
listed Real Estate Investment Trusts (REITS) and property related securities of companies, which are incorporated, listed or have their area of primary
activity in the Asia Pacific region including Japan, Australia and New Zealand. The fund may also invest in depository receipts, debt securities convertible
into common shares, preference shares and warrants and through any other PRUlink global funds that may be become available in the future or
indirectly via sub funds managed by Eastspring Investments (Singapore) Limited or any other fund manager to be determined from time to time.
PRUlink Asia managed fund (AMF) (Managed fund):
PRUlink Asia managed fund is an actively managed fund that seeks to maximise returns over medium to long term. This is achieved by investing
directly in shares, fixed interest securities and money market instruments in the Asia Pacific ex Japan region and through any other PRUlink global
funds that may be become available in the future or indirectly via sub funds managed by Eastspring Investments (Singapore) Limited or any other fund
manager to be determined from time to time.
PRUlink Asia local bond fund (ALB) (Bond fund):
PRUlink Asia local bond fund is an actively managed fund that aims to maximise total returns through investing in fixed income or debt securities that
are rated as well as unrated. At inception, PRUlink Asia local bond fund will invest in a sub-fund called Eastspring Investments Asian Local Bond
Fund managed by Eastspring Investments (Singapore) Limited. This Sub-Fund invests in a diversified portfolio consisting primarily of fixed
income/debt securities issued by Asian entities or their subsidiaries. This Sub-Funds portfolio primarily consists of securities denominated in the
various Asian currencies. The fund may also invest in any other PRUlink bond funds that may become available in the future or indirectly via other
bond funds.
PRUlink global market navigator fund (GMN) (Managed fund):
PRUlink global market navigator fund is an actively managed fund that aims to achieve positive absolute returns over the medium-term through the
implementation of an actively managed asset allocation strategy in a diversified range of global assets including cash, equities, bonds and currencies.
Exposure to each asset classes will be primarily through exchange traded funds, index futures, direct equity and bonds, swaps, options and foreign
exchange forwards, each of which may be traded through recognised exchanges or via the over-the-counter markets. The use of derivatives is for
efficient portfolio management to gain access to the markets efficiently in a cost effective manner. At inception, PRUlink global market navigator fund
will invest in a sub-fund called Eastspring Investments Global Market Navigator Fund managed by Eastspring Investments (Singapore) Limited. The
fund may then invest in any other PRUlink absolute return funds that may become available in the future or indirectly via other absolute return funds.
PRUlink dragon peacock fund (DPF) (Equity fund):
PRUlink dragon peacock fund is a fund that aims to maximize long-term total return by investing primarily in equity and equity related instruments of
corporations, which are incorporated in, or listed in, or operating principally from, or carrying on significant business in, or derive substantial revenue
from, or whose subsidiaries, related or associated corporations derive substantial revenue from the Peoples Republic of China (PRC) and India. At
inception, PRUlink dragon peacock fund will invest in a sub-fund called Eastspring Investments Dragon Peacock Fund managed by Eastspring
Investments (Singapore) Limited. The investments of the Sub-Fund include, but are not limited to, listed securities in the Recognised Markets,
depository receipts including American Depository Receipts (ADRs) and Global Depository Receipts (GDRs), debt securities convertible into common
shares, preference shares and warrants. The fund may invest in any other funds or sub funds managed by Eastspring Investments (Singapore)
Limited or any other fund managers to be determined from time to time.
PRUlink Asia equity fund (ASF) (Equity fund):
PRUlink Asia equity fund is a fund that aims to maximize long-term total return by investing in equity and equity-related securities of companies,
which are incorporated, or have their area of primary activity in Asia Pacific ex-Japan. The Asia Pacific ex-Japan region includes but is not limited to
the following countries: Korea, Taiwan, Hong Kong, Philippines, Thailand, Malaysia, Singapore, Indonesia, PRC, India, Pakistan, Australia and New
Zealand. The fund may also invest in depository receipts [including American Depository Receipts (ADRs) and Global Depository Receipts (GDRs)],
debt securities convertible into common shares, preference shares and warrants.

Presented by :
Date:
Version :

INA EA110000
22 Apr, 2014
SQS - Agency ver 4.9.0.2

Page 8 of 16

Fund Management Charge (FMC)

Local Funds

FMC

PRUlink equity fund

PRUlink managed fund II
PRUlink bond fund
PRUlink dana unggul
PRUlink dana urus II
PRUlink dana aman

1.5%
1.3%
0.5%
1.5%
1.3%
0.5%

*The actual investment charge charged for PRUlink

global market navigator fund will depend on the asset
allocation of the fund, which will range from 1.00% for
allocation to money market instruments or fixed
income securities, to 1.50% for allocation to other
assets. The actual investment charge will be
determined on a monthly basis and will be revised
whenever the proportion of fund allocated to money
market instruments or fixed income securities shift by
more than 10% since the investment charge was last
determined. The current fund management charge
used for the purpose of this sales illustration is 1.15%
p.a. based on the allocation of 70% bonds and 30%
equities.

FMC

Global Funds
PRUlink Asia property securities fund
PRUlink Asia managed fund
PRUlink Asia local bond fund
PRUlink global market navigator fund
PRUlink dragon peacock fund
PRUlink Asia equity fund

1.5%
1.35%
1.0%
1.15%*
1.5%
1.5%

The investment charge will be deducted at each Valuation Date.

Historical Actual Annual Returns of the Funds Compared with the selected benchmarks
PRUlink equity fund (PE)
Benchmark
PRUlink managed fund II (PM2)
Benchmark
PRUlink bond fund (PF)
Benchmark
PRUlink dana unggul (HE)
Benchmark
PRUlink dana urus II (HM2)
Benchmark
PRUlink dana aman (HF)
Benchmark
PRUlink Asia property securities fund (APS)
Benchmark
PRUlink Asia managed fund (AMF)
Benchmark
PRUlink Asia local bond fund (ALB)
Benchmark
PRUlink global market navigator fund (GMN)
Benchmark
PRUlink dragon peacock fund (DPF)
Benchmark
PRUlink Asia equity fund (ASF)
Benchmark

2009
42.47%
44.94%
34.02%
36.46%
6.23%
2.55%
38.82%
43.03%
31.10%
34.93%
5.59%
2.55%
34.42%
25.70%
58.30%
57.09%
17.72%
6.28%
12.44%
2.55%
-

2010
21.45%
21.76%
18.50%
18.68%
5.67%
2.85%
18.14%
18.20%
15.79%
15.83%
5.78%
2.85%
11.57%
9.18%
4.73%
5.76%
3.67%
1.77%
-1.93%
2.85%
9.58%*
3.21%*
6.07%*
9.29%*

2011
3.98%
1.94%
4.04%
2.31%
5.45%
3.04%
8.01%
2.41%
7.31%
2.70%
5.18%
3.04%
-4.08%
-2.40%
-11.88%
-8.36%
6.44%
7.75%
-5.26%
3.04%
-25.11%
-25.75%
-19.21%
-14.73%

2012
12.33%
9.60%
10.48%
8.32%
4.51%
3.15%
15.11%
11.85%
12.92%
10.11%
5.34%
3.15%
33.59%
30.25%
13.39%
16.14%
6.11%
5.17%
9.40%
3.15%
16.46%
20.68%
15.65%
18.37%

2013
11.54%
11.39%
9.51%
9.75%
2.17%
3.15%
16.17%
13.29%
12.90%
11.26%
1.18%
3.15%
-0.73%
-0.81%
2.49%
9.27%
-1.52%
-0.66%
16.84%
3.15%
4.61%
7.81%
1.11%
10.77%

*Fund Performance is from fund launch date until year end of the same year (non- annualised return).
The benchmarks used for each funds are:
PE & PGE
FTSE Bursa Malaysia Top 100
PM2 & PGM 80% FBMT100 + 20% Maybank 12 month Tier 1 Fixed Deposit Rate
PF & PGB
Maybank 12 month Tier 1 Fixed Deposit Rate
HE
FTSE Bursa Malaysia Emas Shariah Index
HM2
80% FTSE Bursa Malaysia Emas Shariah Index + 20% 12 month Maybank Tier 1 Fixed Deposit Rate
HF
Maybank 12 month Tier 1 Fixed Deposit Rate
APS
MSCI AC Asia Pacific REIT**
AMF
70% MSCI Asia ex Japan Index + 30% JP Morgan Asia Credit Index
ALB
HSBC Customised Index Composite
GMN
Maybank 12 month Tier 1 Fixed Deposit Rate
DPF
50% MSCI China Index +50% MSCI India Index
ASF
MSCI Asia ex Japan Index
** The benchmark of PRUlink Asia property securities fund will be changed from "MSCI AC Asia Pacific REIT" to
"GPR - Customized Asia Pac (Ex-Japan) Property Index" effective from 2 January 2013. The performance of the new benchmark will be tracked
thereafter.
Unit Pricing
Unit pricing is done daily.
Unit price is calculated based on the market value of the underlying assets of the fund, divided by the number of units issued.
The investment-linked funds do not pay any dividend. All investment incomes and capital gains are automatically rolled up in its unit price.
Unit price is the single price at which units are created and cancelled.
Forward Pricing
Units are created and/or cancelled at the next pricing date following receipt of premium or notification of claim/withdrawal.

Presented by :
Date:
Version :

INA EA110000
22 Apr, 2014
SQS - Agency ver 4.9.0.2

Page 9 of 16

Appendix: Death and Total & Permanent Disability Benefit

PRUlink one
Plan Description & Benefits
PRUlink one is a regular premium investment-linked insurance plan. It pays the sum assured plus the value of units on the death of Life Assured.
In the event of Life Assureds Total & Permanent Disability before the 70, the sum assured is payable in lieu of the basic sum assured while units
remain in the plan.

Conditions:
Total and Permanent Disability
In the event of total and permanent disability before age 70, one lump sum payable under all policies with us on any one life is up to RM1
million. Any excess will be paid on the anniversary of the disability subject to proof of continued disability. Upon earlier death, the balance
shall be payable. The maximum payable under all policies on any one life is RM4 million plus bonuses (if any).
Total and permanent disability shall means:
-while aged sixteen (16) years but below the age of sixty-one (61) years
(a) becomes permanently and completely unable to engage in any occupation and is permanently and completely unable to perform any
work for remuneration or profit; or
(b) totally and irrecoverably loses sight in both eyes; or
(c) totally and irrecoverably loses by severance one limb each at or above his wrist and ankle, or two limbs at or above his wrist or ankle;
or
(d) totally and irrecoverably loses sight in one eye and totally and irrecoverably loses by severance one limb at or above the wrist or
ankle.
-while aged sixty one (61) years but below the age of seventy (70) years, the Life assured/Assured/Spouse shall mean confirmation by a
Consultant Physician of the loss of independent existence lasting for a minimum period of 6 months and resulting in a permanent inability
to perform at least three (3) of the following Activities of Daily Living either with or without the use of mechanical equipment, special
devices or other aids and adaptations in use for disabled persons. For the purpose of this benefit, the word "permanent", shall mean
beyond the hope of recovery with current medical knowledge and technology.
(a) Transfer
(b) Dressing
(c) Mobility
(d) Bathing/Washing
(e) Eating
(f) Continence

Exclusions
Death
If it is a suicide within the first year from the commencement date of the policy or date of policy revival, we shall pay the sum of
value of units at the valuation date after the date of notification.
Total & Permanent Disability
No benefit is paid if the disability is directly or indirectly caused by
a) any attempted suicide or self-inflicted injury whether attempted/inflicted while sane or insane; or
b) any traveling 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
c) any participation in any aerial sporting activities such as hang-gliding, ballooning, parachuting, sky-diving, bungee jumping and other such
similar activities

Other Policy Conditions

Guaranteed Premium/Insurance Charge: The premium and insurance charge for death and TPD are guaranteed.

Presented by :
Date:
Version :

INA EA110000
22 Apr, 2014
SQS - Agency ver 4.9.0.2

Page 10 of 16

Appendix: Critical Illness and Payors Benefit

Crisis Shield, Enhanced PRUpayor basic
Plan Description & Benefits
Crisis Shield pays the sum assured upon diagnosis of a critical illness. Benefit paid will reduce the PRUlink one sum assured respectively.
Enhanced PRUpayor basic pays an annual benefit equal to PRUlink one premium (except PRUlifestyle saver & PRUsaver premium) upon
diagnosis of a critical illness or total and permanent disability before age 70.
Conditions:
Critical Illnesses
A total of 36 critical illnesses are covered under the Critical Illness and Payor Benefits:
1)
2)
3)
4)
5)
6)
7)
8)
9)
10)

AIDS
Aplastic Anaemia
Appalic Syndrome
Alzheimer's Disease
Benign Brain Tumour
Blindness
Brain Surgery
Cancer
Cardiomyopathy
Chronic Liver Disease

11)
12)
13)
14)
15)
16)
17)
18)
19)
20)

Chronic Lung Disease

Coma
Coronary Artery Disease
Deafness
Encephalitis
Fulminant Viral Hepatitis
Heart Attack
Heart Valve Replacement
Kidney Failure
Loss of Speech

21)
22)
23)
24)
25)
26)
27)
28)
29)

Loss of Independent
Existence
Major Burns
Major Head Trauma
Major Organ Transplant
Medullary Cystic Disease
Meningitis
Motor Neurone Disease
Multiple Sclerosis
Muscular Dystrophy

30)
31)
32)
33)
34)
35)
36)

Paralysis
Parkinson's Disease
Poliomyelitis
Primary Pulmonary Arterial
Hypertension
Stroke
Surgery to Aorta
SLE with Lupus Nephritis

For conditions for Death and Total & Permanent Disability, please refer to Appendix for Death and Total & Permanent Disability Benefit.
Exclusions
Critical Illness
Critical illness benefit is not paid for
a) symptoms of illness occur prior to or within 30 days after the policy has commenced, except for Cancer, Heart Attack and
Coronary Artery Disease in which 60 days waiting period applies.
b) Illness is directly or indirectly caused by the existence of AIDS or the presence of any HIV infection, except for "AIDS due to
blood transfusion" and "Full blown AIDS".
c) Illness arises directly or indirectly from pre-existing illnesses.

For exclusion of Death and Total & Permanent Disability, please refer to Appendix for Death and Total & Permanent Disability
Other Policy Conditions
a)

Waiting Period
Critical illness benefits under the policy will only start 60 days after the effective date of the policy for heart attack, coronary artery disease and
cancer and 30 days for all other illnesses.

b)

Non-guaranteed Premium/Insurance Charge

We reserve the right to increase the premium/insurance charge (except death & TPD) at policy anniversary by giving 90 days written notice.

Presented by :
Date:
Version :

INA EA110000
22 Apr, 2014
SQS - Agency ver 4.9.0.2

Page 11 of 16

Appendix: Accidental Benefit

PRUacci guard, PRUacci med
Plan description
PRUacci guard pays the sum assured on death or total and permanent disability due to accident and a percentage of the sum assured on
disablement due to accident. In addition, the rider also pays compassionate benefit upon death.
PRUacci med reimburses the actual expenses incurred for medical treatment, hospital confinement or nursing services up to the sum assured
within 104 weeks from date of accident. It also reimburses the actual expenses incurred for traditional & complementary treatment incurred within
90 days from date of accident. In addition, it also pays overseas companion allowance and prosthesis/wheelchair allowance.
Benefits
Benefit

Amount/% of Sum
Assured

*Accidental Death & Disablement Benefit Table

% of Sum Assured

Death of life assured

100%
i)Compassionate Benefit
Total & Permanent Disability
100%
RM 2,000
a) Natural death
Total, Permanent and Irreversible:RM 4,000
b) Accidental death
Loss of two limbs
100%
RM 6,000
c) Accidental death in overseas
Loss of both hands or of all fingers and both thumbs
100%
Loss
of
all
sight
in
both
eyes
100%
ii) Accidental Death &
Up to 100%
Disablement Benefit*
Loss of hand at or above wrist
100%
Loss of leg at or above ankle
100%
iii) Double Indemnity
Loss of all sight in one eye
100%
2 times the amount under (ii) will be
payable for accidents occurring while
Loss of all sight in one eye except perception of light
50%
life assured:
Loss of lens of one eye
50%
a) was traveling in any mechanically
Up to 200%
Loss of speech
50%
propelled public conveyance; or
Loss of four fingers and thumb
70%
b) was in an elevator car (excluding
Loss of four fingers
40%
elevator in mines and construction
sites);or
Loss of thumb
-both phalanges
30%
c) was in the public building which is
-one phalanx
15%
burning at the commencement of the
Loss of finger
-three phalanges
10%
fire
-two phalanges
7.5%
iv) Reimbursement of Medical Expenses
-one phalanx
5%
Reimburse actual expenses incurred for
Loss
of
metacarpals
-first
or
second
(additional)
3%
medical treatment , hospital confinement Up to RM 2000 per
-third, fourth or fifth (additional)
2%
accident
or nursing services up to the sum
Loss of all toes on one foot
15%
assured
Loss of great toe
-both phalanges
5%
a) Traditional & Complementary
-one phalanx
2%
Treatment (Max RM 300 per
Up to RM 30 per day Loss of other toe, each
2%
accident, subject to RM 1500
Fractured leg or patella with established non-union
10%
per lifetime)
Shortening of leg by at least 2.5 cm
7.5%
v) Overseas Companion Allowance
Loss of hearing
-both ears
75%
Reimburse:
-one ear
15%
a) Return airfare incurred to visit life
Loss of whole ear
-both ears
6%
assured who is hospitalised overseas
Up to RM 1000
-one
ear
3%
for at least 10 days to one of the
immediate family.
Exclusions
b) One-way airfare to Malaysia for the
Accident benefits are not paid as a consequence of:
life assureds return immediately
(a) war, invasion, act of foreign enemy, hostilities (whether war be declared
following such hospitalisation.
or not), civil war, rebellion, revolution, insurrection, military or usurped
power, direct participation in riot, strike or civil commotion;
vi) Prosthesis/ Wheelchair Allowance
(b) violation or attempted violation of the law or resistance to arrest;
Reimbursement of reasonable costs of
(c) attempted suicide or self-inflicted injuries while sane or insane;
Up to RM 1000
purchasing wheelchair if life assured
(d) pregnancy, childbirth, miscarriage or any complications;
becomes permanently paraplegic and/or
(e) pre-existing physical or mental defect or infirmity;
artificial limb
(f) alcoholic intoxication;
(g) engaging in or taking part in professional sports, scuba diving, racing of
vii) Accidental Income
any kind, aerial flights (including bungee jumping, hang-gliding,
NA
a)Temporary Total Disability
ballooning, parachuting and sky-diving) other than as a crew member of
or as a fare-paying passenger on a licensed passenger- carrying
NA
b)Temporary Partial Disability
commercial aircraft operating on a regular scheduled route or any
c)Confinement in government hospital
NA
hazardous activities or sports, unless agreed to by special endorsement;
(h) narcotic or drug unless taken as prescribed by a qualified registered
medical practitioner;
Other Policy Conditions
i) Change in Occupation, Avocation & Sports: You must inform us if there is any change of occupation, business or personal pursuit because
it may affect the premiums, terms, conditions and benefits of the products.
ii) Non-guaranteed Premium/Insurance Charge: We reserve the right to increase the premium/insurance charge at policy
anniversary by giving 90 days written notice.

Presented by :
Date:
Version :

INA EA110000
22 Apr, 2014
SQS - Agency ver 4.9.0.2

Page 12 of 16

Appendix: Medical Benefit

PRUflexi med
Plan Description
PRUflexi med pay the benefit according to the selected benefits below in the event of hospitalisation or outpatient treatment due to illness or injury.
Benefits
Benefit

Benefit Amount (RM)

a) Hospital Daily Room & Board Allowance (120 days per year)

RM200

Hospital & Surgical Benefits

b) Intensive Care Unit / High Dependency Unit (60 days per
year)
c) Surgical
d) In-hospital & Related Services
Out-patient Treatment Benefits
e) Pre-hospitalisation Treatment
(within 90 days before hospitalisation)
f) Post-hospitalisation Treatment
(within 90 days after hospital discharge)
g) Home Nursing Care (180 days per life-time)
h) Day Surgery
i) Cancer Treatment
j) Kidney Dialysis
k) Emergency Treatment For Accidental Injury
(Annual Limit)

As Charged

As Charged

RM1,400

Overall Annual Limit

RM70,000
Lifetime Limit
RM1,400,000
Emergency Medical Assistance
Yes
a) Hospital Daily Room & Board Allowance
e) Pre-hospitalisation Treatment Benefit
Reimburse actual room & board charges (subject to daily limit of the
Reimburse actual charges for treatment, consultation, investigation and/or
chosen room & board allowance amount for PRUflexi med) made by a
diagnostic tests performed within 90 days prior to hospital admission date,
hospital during a hospital confinement, for up to 120 days per year. Any
for a medical condition for which hospitalisation was required.
remaining amount of room & board allowance above the actual room & f) Post-hospitalisation Treatment Benefit
board charges will be paid to the policyholder. Any amount paid for this
Reimburse actual charges for follow-up treatment performed within 90
benefit will not reduce the Overall Annual Limit or Lifetime Limit.
days after hospital discharge for the medical condition for which
hospitalisation was required. This shall include the medicines prescribed
b) Intensive Care Unit / High Dependency Unit
Reimburse actual changes made by a hospital for confinement in intensive during follow up treatment but shall not exceed the supply needed for the
maximum 90 days.
care unit or high dependency unit, for up to 60 days per year.
g) Home Nursing Care Benefit
c) Surgical Benefit
Reimburse actual charges for continued nursing care by a registered nurse
Reimburse actual charges for any medically necessary surgical procedure in a home (on recommendation of the attending doctor) for continued
performed at a hospital. These include pre-and post surgical care.
treatment of the medical condition for which hospitalisation was required.
d) In-hospital & Related Services Benefit
h) Day Surgery Benefit
Reimburse actual charges incurred for the following services provided
Reimburse actual charges for any medically necessary surgical
during hospital confinement:
procedure performed in a day-surgery unit of a hospital where a life
Prescribed drugs and medicine for in-hospital use.
assured both arrives and returns home on the day of procedure.
Dressing, splints, plaster casts, implants, external appliances and
devices required by the life assured as an in-patient.
i) Cancer Treatment Benefit
Diagnostic and/or investigation tests such as ECG, Scans, laboratory
Reimburse actual charges for out-patient treatment of cancer after
tests, etc.
hospital discharge. These include charges for radiotherapy and
Food and beverages (including food and lodging charged by the
chemotherapy but excluding consultation, examination tests and take
hospital for an adult accompanying an insured child aged 15 or below.
home drugs.
Ambulance service to a hospital
j) Kidney Dialysis Benefit
Specialist and/or physician fees for in-hospital consultation and
Reimburse actual charges for out-patient kidney dialysis treatment
treatments.
performed at a registered dialysis centre or a hospital. These exclude
Intravenous infusions, blood and plasma by-products.
consultation, examination and take home drugs.
Other ancillary medical services and supplies, excluding private ink) Emergency Treatment for Accidental Injury Benefit
hospital nursing care.
Reimburse actual charges for emergency out-patient treatment of an
Service tax
accidental injury at any registered clinic or Hospital within 48 hours and its
follow-up treatment, for up to 30 days from the actual date of accident.
Exclusions
Medical benefits are not paid as a consequence of :
(a) Pre-existing conditions.
(b) Specified Illnesses occurring during the first 120 days of continuous
cover.
(1)Hypertension, diabetes mellitus and cardiovascular disease.
(2)All tumours, cancers, cysts, nodules, polyps, stones of the urinary
system and bilary system.
(3)All ear, nose (including sinuses) and throat conditions.
(4)Hernias, haemorrhoids, fistulae, hydrocele, varicocele
(5)Endometriosis including disease of the Reproduction system.
(6)Vertebro-spinal disorders (including disc) and knee conditions
(c) Any medical or physical conditions arising within the first 30 days of the
Life Assureds cover or date reinstatement whichever is latest except
for accidental injuries sustained.
(d) Plastic/Cosmetic surgery, circumcision, eye examination, glasses and
refraction or surgical correction of nearsightedness (Radial Keratotomy)
and the use or acquisition of external prosthetic appliances or devices
Presented by :
Date:
Version :

INA EA110000
22 Apr, 2014
SQS - Agency ver 4.9.0.2

such as artificial limbs, hearing aids, implanted pacemakers and

prescriptions thereof.
(e) Dental conditions including dental treatment or oral surgery except as
necessitated by Accidental Injuries to sound natural teeth occurring wholly
during the Period of Insurance.
(f) Private nursing (save and except for Home Nursing Care Benefits), rest
cures or sanitaria care, illegal drugs, intoxication, sterilization, 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.
(g) Any treatment or surgical operation for congenital abnormalities or
deformities including hereditary conditions.
(h) 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

Page 13 of 16

to infertility. Erectile dysfunction and tests or treatment related to

impotence or sterilization.

service or supplies including but not limited to chiropractic services,

acupuncture, acupressure, reflexology, bone setting, herbalist treatment,
massage or aroma therapy or other alternative treatment.

(i) Hospitalisation primarily for investigatory purposes, diagnosis, X-ray

examination, general physical or medical examinations, not incidental to (o) Care or treatment for which payment is not required or to the extent
treatment or diagnosis of a covered Disability or any treatment which is
which is payable by any other insurance or indemnity covering the
not Medically Necessary and any preventive treatments, preventive
Insured and Disabilities arising out of duties of employment or profession
medicines or examinations carried out by a Physician, and treatments
that is covered under a Workman's Compensation Insurance Contract.
specifically for weight reduction or gain.
(p) Psychotic, mental or nervous disorders, (including any neuroses and
their physiological or psychosomatic manifestations).
(j) Suicide, attempted suicide or intentionally self-inflicted injury while sane
or insane.
(q) Costs/expenses of services of a non-medical nature, such as television,
telephones, telex services, radios or similar facilities, admission kit/pack
(k) War or any act of war, declared or undeclared, criminal or terrorist
and other ineligible non-medical items.
activities, active duty in any armed forces, direct participation in strikes,
riots and civil commotion or insurrection.
(r) Sickness or Injury arising from racing of any kind (except foot racing),
(l) Ionising radiation or contamination by radioactivity from any nuclear fuel
hazardous sports such as but not limited to skydiving, water skiing,
or nuclear waste from process of nuclear fission or from any nuclear
underwater activities requiring breathing apparatus, winter sports,
weapons material.
professional sports and illegal activities.
(m)Expenses incurred for donation of any body organ by a Life Assured
and costs of acquisition of the organ including all costs incurred by the (s) Private flying other than as a fare-paying passenger in any commercial
scheduled airlines licensed to carry passengers over established routes.
donor during organ transplant and its complications.
(n)Investigation and treatment of sleep and snoring disorders, hormone
replacement therapy and alternative therapy such as treatment, medical

(t) Expenses incurred for sex changes.

Other Policy Conditions

i) Deductible :
PRUflexi med
We will bear the total cost of an eligible benefit (excluding the cost of daily room & board) up to annual limit.

ii) Waiting Period: Cover begins immediately on acceptance, for hospitalisation caused by accidents but it only begins 120 days after acceptance
for specified illness and 30 days for any other causes.
iii) Change in Occupation, Avocation & Sports: You must inform us if there is any change of occupation, business or personal pursuits because it
may affect the premiums, terms, conditions and benefits of the products.
iv) Non-guaranteed Premium/Insurance Charge: We reserve the right to increase the premium/insurance charge at policy anniversary by
giving 30 days notice.

Presented by :
Date:
Version :

INA EA110000
22 Apr, 2014
SQS - Agency ver 4.9.0.2

Page 14 of 16

Appendix: Hospitalisation Income Benefit

PRUmed, Hospital Benefit
Plan Description
PRUmed pays fixed cash payment for hospital confinement, intensive care unit confinement and surgical procedure due to illness or injury
before age 70.
Hospital Benefit (HB) pays daily cash benefit in the event of hospitalisation due to illness or injury before age 70.
Benefits
Benefit

Benefit Amount (RM)

Maximum Payable Per Policy

Year

250 per day

100 days

200 per day

30 days

1. Hospitalisation Benefit
Daily hospitalisation benefit aimed at covering expenses incurred
when hospitalized. This includes accommodation and related costs.
2. Intensive Care Benefit
This amount is paid in addition of Hospitalisation Benefit as
confinement in Intensive Care Unit costs significantly more than a
normal hospital stay.
3. Surgical Procedure Benefit
The cost of undergoing a surgical procedure is not limited to the cost of
the medical practitioner performing the procedure. The costs include
related costs such as medication, theatre fees, anaesthetics and so on.
This benefit is aimed at a level commensurate with these costs and
when added to the hospital benefit, gives an amount appropriate to the
costs incurred in total.
Every surgical procedure has been rated according to the severity of
cost of the procedure. A lump sum benefit is paid depending on the
rating of the procedure. The lowest severity rating is 1 and the highest
is 7. Please refer to your policy document for list of procedures covered
and their severity ratings

Up to RM 5000 per surgery

RM 25000

Exclusions
Hospitalisation Income Benefits are not paid as a consequence of:
(a) Routine medical examinations or consultations.
(b) Cosmetic or plastic surgery, dental care and treatment, organ and tissue donation, gender transformations or exploratory or experimental
surgery or any abortion performed due to procedures other than medical procedures necessitated by accidental injury, surgery or illness.
(c) Treatment or procedures relating to pregnancy or childbirth.
(d) Tests or treatment related to infertility, contraception, sterilisation, birth defects, congenital illnesses, hereditary conditions, circumcision or any
abortion performed due to psychological or social reasons and consequence.
(e) Treatment of mental illness and psychiatric disorders, self-inflicted injury while sane or insane, attempted suicide, abuse of alcohol and drug
addiction and abuse.
(f) Any treatment or test in connection with AIDS , the presence of HIV infection and all sexually transmitted diseases.
(g) Any injury or sickness arising from professional sports, scuba diving, racing of any kind, aerial flights (including bungee jumping, hang-gliding,
ballooning, parachuting and sky-diving) other than as a crew member of or as a fare - paying passenger on a licensed passenger - carrying
commercial aircraft operating on a regular scheduled route or any hazardous activities or sports, unless agreed to by special endorsement.
(h) War, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or
usurped power, direct participation in riot, strike or civil commotion.
(i) Any violation or attempted violation of the law or resistance to arrest.
(j) Any illness or condition (no matter when arising) in respect of which medical advice or treatment was received or recommended by a medical
practitioner within the 2 years preceding the issue date and which was not disclosed in the application for the contract.
Other Policy Conditions
i) Waiting Period: Cover begins immediately on acceptance, for hospitalisation caused by accidents but it only begins 30 days after
acceptance for any other causes.
ii) Change in Occupation, Avocation & Sports: You must inform us if there is any change of occupation, business or personal pursuits
because it may affect the premiums, terms, conditions and benefits of the products.
iii) Non-guaranteed Premium/Insurance Charge: We reserve the right to increase the premium/insurance charge policy
anniversary by giving 30 days written notice.

Presented by :
Date:
Version :

INA EA110000
22 Apr, 2014
SQS - Agency ver 4.9.0.2

Page 15 of 16

Appendix: Other Policy Benefits and Options

Benefits
Maturity and Surrender Benefit
At maturity or upon surrendering, this policy will pay the value of units.
Options
Non-forfeiture Option:
You may stop paying the recommended premium but the benefits above will continue as long as there are units in the plan to pay insurance
charge and other charge. The charges will be deducted from the account through cancellation of units, subject to consent given by you. If units
within the accounts are exhausted, these charges may be deducted through cancellation of units of certain selected accounts. Therefore,
depending on the amount of units available in these selected accounts, benefits of the plan may lapse and cease to be in force at different
points of time.
Fund switching:
If you find that the fund you have chosen is no longer appropriate, you have the flexibility to switch fund at anytime, provided PRUlifestyle saver is
not attached. You are allowed 4 free switches per year without any fee. Any subsequent switches within the year, you will be charged a processing
fee of 1%, subject to maximum of RM50. Units can be switched between investment-linked funds at any time. Switching is not allowed during the
accumulation period and payout period of PRUlifestyle saver, unless it is performed by us in its sole and absolute discretion.
Premium Re-direction:
You may revise the proportion of your regular premium (in multiple of 5%) you want to invest and may also revise your choice of investment-linked
fund, provided that PRUlifestyle saver is not attached.
Top-ups:
Top-ups can be made at any time. The minimum amount required for top-ups is RM500. Top-up incurs a one-off top-up fee of RM25.
Withdrawals:
Withdrawals can be made at any time in terms of number of units or fixed monetary amount through cancellation of units
Option to Vary Sum Assured and policy terms:
You may increase the sum assured without increasing the regular premium and vise versa (if applicable).

Presented by :
Date:
Version :

INA EA110000
22 Apr, 2014
SQS - Agency ver 4.9.0.2

Page 16 of 16