PRUlife ready

Specially prepared for:

razali

Prepared by: razali

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 PRUlife ready
Please read this Product Disclosure Sheet before you decide to take up PRUlife ready. Be sure to also read the general terms and
conditions. The information provided in this disclosure sheet is valid as at 18/11/2015.
1. What is this product about?
PRUlife ready 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?
Amount

Benefit
Death Benefit

Benefit
Medical Benefit (1) PRUhealth

RM 100,000 plus the total

investment value

Lump sum
Total & Permanent Disability Benefit
Lump sum

RM 100,000

Amount

Room & Board

RM 100

Medical Reimbursement

As charged

i) Hospital and Surgical Benefit

NA

ii) Outpatient Treatment Benefit

(subject to
coinsurance)

Lump sum

RM 100,000

Reimbursement up to
i) Annual limit on benefits payable

RM 50,000

Early Critical Illness

NA

ii) Aggregate lifetime limit payable

RM 500,000

Income

NA

No claims bonus

RM 100 per year

Auto upgrade to next higher plan

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

NA
NA

Income
Critical Illness Benefit

Accidental Benefit
Accidental death/injury

NA

Accidental Medical Reimbursement

NA

Accidental Income
i)Temporary Total Disability

Auto switch to coinsurance plan at

age 55

NA

Medical Benefit (2) PRUmedic overseas

ii)Temporary Partial Disability

NA

iii) Confinement in government hospital NA

Payor Benefit
Payor on life assured's life

NA

Payor on spouse's life

NA

Fund invested:
Local Funds
PRUlink equity fund
PRUlink managed fund II
PRUlink dana urus II

: 0%
: 0%
: 0%

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

Medical Reimbursement
i) Hospital & Surgical Benefit
ii) Outpatient Treatment Benefit

NA

Reimbursement up to
i) Annual limits on benefits payable
ii) Aggregate lifetime limit payable

NA

Well-being benefit

NA

PRUlink equity income fund

PRUlink bond fund
PRUlink dana aman

: 0%
: 0%
: 0%

PRUlink Asia local bond fund

: 0%
PRUlink global market navigator fund : 0%

PRUlink equity focus fund

PRUlink dana unggul

: 100%
: 0%

PRUlink dragon peacock fund

PRUlink Asia equity fund

: 0%
: 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 RM2,400.00 annually. 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, charges and taxes 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, charges and taxes are as follows:
Service charge of RM6.36 per month.
Fund switch fee is set at 1.06% subject to a maximum of RM53. Four free switches are allowed every year.
Top-up incurs a one-off fee of RM26.50.
Fund management charge levied will depend on the fund(s) invested. Details of fund management charge are given in the sales illustration.
The fees and charges shown above are inclusive of 6% Goods and Services Tax (GST). GST at 6% or the prevailing rate may be charged on any of the
premiums, charges (such as insurance charges, service charges and any other charges, where applicable) or other payments due and payable under
this policy. Please refer to the Sales Illustrations for implications of GST.
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 - 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.

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, Goods and Services Tax (if any), 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)

the eligibility for benefits under the policy will only start after the waiting period below from the effective date of the policy.

Benefit
Critical Illness & Payor Benefit

Conditions
Heart attack, coronary artery disease and cancer

Waiting Period
60 days

All other illnesses

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

Accidental Benefit

All conditions

Immediately

Goal Achievement Benefit

All conditions

3 years

Early Critical Illness Benefit

Medical Benefit

Deductible/Coinsurance 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 reserves 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.

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 PRUlife ready
Details

Life Assured's Details

Name

: razali

Plan Type

Date of birth

: 12/1/1993

Total Premium
: RM 2,400.00
Payment frequency : Yearly
Payment mode
: Cash / Cheque

Age next birthday : 23

Gender

: Male

Smoking status

: No

: Investment-linked Insurance

Occupation class : Class 1

Fund invested:
Local Funds
PRUlink equity fund (PE)
PRUlink managed fund II (PM2)
PRUlink dana urus II (HM2)

: 0%
: 0%
: 0%

PRUlink equity income fund (PI)

PRUlink bond fund (PF)
PRUlink dana aman (HF)

: 0%
: 0%
: 0%

PRUlink equity focus fund (FF)

PRUlink dana unggul (HE)

: 100%

: 0%

PRUlink Asia local bond fund (ALB)

: 0%

PRUlink dragon peacock fund

(DPF)

: 0%

: 0%

PRUlink global market navigator fund

(GMN)

: 0%

PRUlink Asia equity fund (ASF)

: 0%

: 0%

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

Plan
PRUlife ready
Crisis Shield

Protection Unit Account : PRUhealth

Term (Years)
77
77

Sum Assured (RM)

100,000
100,000
Total Basic Unit Account Premium

47

PHL 100
Total Protection Unit Account Premium
Total Premium

Presented by :
Date:
Version :

razali z1a00022
18 Nov, 2015
SQS - Agency ver 5.6.0.4

Premium (RM)
1,414.00
275.00
1,689.00(A)
711.00
711.00(B)
2,400.00 (A+B)

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 :

razali z1a00022
18 Nov, 2015
SQS - Agency ver 5.6.0.4

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)

24
25
26
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

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%)
424
1,083
1,986
3,125
4,702
6,383
8,356
10,459
12,698
15,167
17,714
20,427
23,402
26,484
29,765
33,338
37,047
40,972
45,204
49,590
52,808
56,176
59,529
62,941
66,494
70,020
73,578
77,260
80,890
84,548

Projected
Investment
Return
(Y%)
382
959
1,727
2,670
3,954
5,241
6,699
8,158
9,616
11,157
12,614
14,070
15,609
17,059
18,504
20,024
21,443
22,834
24,270
25,581
26,841
28,126
29,267
30,337
31,416
32,331
33,142
33,938
34,539
35,026

Protection Unit Account Cash

Value (RM)
Projected
Investment
Return
(X%)
0
0
5
35
216
408
687
983
1,298
1,667
2,024
2,404
2,843
3,275
3,734
4,258
4,779
5,272
5,802
6,316
6,637
6,993
7,302
7,589
7,912
8,187
8,442
8,680
8,822
8,924

Projected
Investment
Return
(Y%)
0
0
0
14
168
322
545
768
990
1,246
1,465
1,684
1,937
2,154
2,370
2,620
2,834
2,986
3,143
3,250
3,315
3,402
3,430
3,423
3,441
3,399
3,325
3,226
3,022
2,772

Investment Unit Account

Cash Value (RM)
No Claims
Bonus
Credited
0
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100

Projected
Projected
Investment Investment
Return
Return
(Y%)
(X%)
0
0
107
100
221
201
343
302
473
403
611
505
760
607
918
710
1,087
812
1,267
915
1,460
1,019
1,666
1,123
1,886
1,227
2,120
1,331
2,371
1,436
2,638
1,541
2,924
1,647
3,229
1,753
3,555
1,859
3,902
1,966
4,163
2,073
4,435
2,180
4,717
2,288
5,011
2,396
5,316
2,505
5,634
2,614
5,964
2,723
6,308
2,832
6,666
2,942
7,038
3,053

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 :

razali z1a00022
18 Nov, 2015
SQS - Agency ver 5.6.0.4

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
24
100,000
100,000
424
100,424
382
100,382
2
25
100,000
100,000
1,190
101,190
1,059
101,059
3
26
100,000
100,000
2,212
102,212
1,928
101,928
4
27
100,000
100,000
3,503
103,503
2,986
102,986
5
28
100,000
100,000
5,391
105,391
4,525
104,525
6
29
100,000
100,000
7,402
107,402
6,068
106,068
7
30
100,000
100,000
9,803
109,803
7,851
107,851
8
31
100,000
100,000
12,360
112,360
9,636
109,636
9
32
100,000
100,000
15,083
115,083
11,418
111,418
10
33
100,000
100,000
18,101
118,101
13,318
113,318
11
34
100,000
100,000
21,198
121,198
15,098
115,098
12
35
100,000
100,000
24,497
124,497
16,877
116,877
13
36
100,000
100,000
28,131
128,131
18,773
118,773
14
37
100,000
100,000
31,879
131,879
20,544
120,544
15
38
100,000
100,000
35,870
135,870
22,310
122,310
16
39
100,000
100,000
40,234
140,234
24,185
124,185
17
40
100,000
100,000
44,750
144,750
25,924
125,924
18
41
100,000
100,000
49,473
149,473
27,573
127,573
19
42
100,000
100,000
54,561
154,561
29,272
129,272
20
43
100,000
100,000
59,808
159,808
30,797
130,797
21
44
100,000
100,000
63,608
163,608
32,229
132,229
22
45
100,000
100,000
67,604
167,604
33,708
133,708
23
46
100,000
100,000
71,548
171,548
34,985
134,985
24
47
100,000
100,000
75,541
175,541
36,156
136,156
25
48
100,000
100,000
79,722
179,722
37,362
137,362
26
49
100,000
100,000
83,841
183,841
38,344
138,344
27
50
100,000
100,000
87,984
187,984
39,190
139,190
28
51
100,000
100,000
92,248
192,248
39,996
139,996
29
52
100,000
100,000
96,378
196,378
40,503
140,503
30
53
100,000
100,000
100,510
200,510
40,851
140,851
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 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%).

Presented by :
Date:
Version :

razali z1a00022
18 Nov, 2015
SQS - Agency ver 5.6.0.4

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

24
25
26
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

BUA

676
844
1,013
1,182
1,520
1,520
1,689
1,689
1,689
1,689
1,689
1,689
1,689
1,689
1,689
1,689
1,689
1,689
1,689
1,689
1,689
1,689
1,689
1,689
1,689
1,689
1,689
1,689
1,689
1,689

PUA

284
356
427
498
640
640
711
711
711
711
711
711
711
711
711
711
711
711
711
711
711
711
711
711
711
711
711
711
711
711

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 3
Premium 1
Basic
Fund
Fund Insurance Benefit(s) Charges
Basic
(RM)
Insurance
Mgmt
Mgmt
Insurance
Charge3 Insurance (RM)
Charge
Charge
Charge
Charge
(RM)
Charge3
(RM)
(RM)
(RM)
(RM)
(RM)
1,440
125
10
125
10
339
40
76
1,200
125
21
125
20
385
41
76
960
125
37
125
34
434
43
76
720
125
56
125
50
485
47
76
240
125
83
125
73
487
49
76
240
125
112
125
96
488
50
76
0
125
147
125
123
490
53
76
0
125
184
125
149
492
57
76
0
125
223
125
176
494
63
76
0
125
266
125
203
495
69
76
0
125
312
125
231
497
74
76
0
125
360
125
258
499
80
76
0
125
411
125
285
500
87
76
0
125
467
125
313
502
96
76
0
125
525
125
340
504
106
76
0
125
587
125
366
506
120
76
0
127
654
127
394
508
140
76
0
139
723
139
419
570
161
76
0
156
795
156
444
601
187
76
0
175
873
175
469
617
215
76
0
197
942
197
491
658
248
76
0
223
1,000
223
512
672
284
76
0
251
1,060
251
533
696
321
76
0
285
1,119
285
551
731
361
76
0
322
1,180
322
568
740
404
76
0
362
1,242
362
586
766
447
76
0
408
1,304
408
599
797
507
76
0
460
1,366
460
611
858
558
76
0
516
1,430
516
621
927
614
76
0
580
1,492
580
628
972
666
76

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.
3 Inclusive of Goods and Services Tax (GST), if any.
2

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 :

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18 Nov, 2015
SQS - Agency ver 5.6.0.4

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.
PRUlife ready 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, 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
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 :

razali z1a00022
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SQS - Agency ver 5.6.0.4

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.

13. Total Insurance Charges More Than Premium Paid

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 54.

Medical benefit insurance charge is the insurance charge for

PRUhealth (if any), PRUannual limit waiver (if any), PRUmedic
overseas (if any), PRUmedic auto upgrade (if any) and PRUmedic
retirement (if any).
Other Chargesinclude service charge, administration charge
and guarantee charge (if it applies).
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).
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.
Goods and Services Tax (GST) at 6% or the prevailing rate charged on
any of the premiums, charges (such as insurance charges, service
charges and any other charges, where applicable) or other payments
due and payable under this policy.

Presented by :
Date:
Version :

razali z1a00022
18 Nov, 2015
SQS - Agency ver 5.6.0.4

Page 7 of 16

Appendix: Investment-linked Funds

The investment-linked funds below are managed by the investment team of Eastspring Investments 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 equity income fund (PI) (Equity fund):
This fund aims to maximise returns over medium to long term by investing in high quality shares and dividend yielding stocks which have or can
potentially have attractive dividend yields.
PRUlink equity focus fund (FF) (Equity fund):
This fund aims to maximise returns over medium to long term by investing into approximately 30 quality Malaysian companies listed in Bursa
Malaysia that are expected to provide medium to long-term capital appreciation and income potential.
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 :

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18 Nov, 2015
SQS - Agency ver 5.6.0.4

Page 8 of 16

Fund Management Charge (FMC)

Local Funds

FMC

PRUlink equity fund

PRUlink equity income fund
PRUlink equity focus fund
PRUlink managed fund II
PRUlink bond fund
PRUlink dana unggul
PRUlink dana urus II
PRUlink dana aman

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

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 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.
The investment charge will be deducted at each Valuation Date.
Historical Actual Annual Returns of the Funds Compared with the selected benchmarks
2010

2011

PRUlink equity fund (PE)

Benchmark
PRUlink equity income fund (PI)
Benchmark
PRUlink equity focus fund (FF)
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

2012

21.45%
3.98%
12.33%
21.76%
1.94%
9.60%
18.50%
4.04%
10.48%
18.68%
2.31%
8.32%
5.67%
5.45%
4.51%
2.85%
3.04%
3.15%
18.14%
8.01%
15.11%
18.20%
2.41%
11.85%
15.79%
7.31%
12.92%
15.83%
2.70%
10.11%
5.78%
5.18%
5.34%
2.85%
3.04%
3.15%
11.57%
-4.08%
33.59%
9.18%
-2.40%
30.25%
4.73%
-11.88%
13.39%
5.76%
-8.36%
16.14%
3.67%
6.44%
6.11%
1.77%
7.75%
5.17%
-1.93%
-5.26%
9.40%
2.85%
3.04%
3.15%
9.58%*
-25.11%
16.46%
3.21%*
-25.75%
20.68%
6.07%*
-19.21%
15.65%
9.29%*
-14.73%
18.37%
*Fund Performance is from fund launch date until year end of the same year (non- annualised return).

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%

2014
-3.70%
-6.17%
-2.14%
-4.33%
3.45%
3.22%
-0.23%
-4.17%
0.74%
-2.70%
3.95%
3.22%
19.66%
19.25%
12.39%
13.22%
11.10%
11.07%
6.74%
3.22%
19.00%
23.91%
12.63%
12.11%

The benchmarks used for each funds are:

PE
PI
FF
PM2
PF
HE
HM2
HF
APS
AMF
ALB
GMN
DPF
ASF

FTSE Bursa Malaysia Top 100

FTSE Bursa Malaysia Top 100
FTSE Bursa Malaysia Top 100
80% FBMT100 + 20% Maybank 12 month Tier 1 Fixed Deposit Rate
Maybank 12 month Tier 1 Fixed Deposit Rate
FTSE Bursa Malaysia Emas Shariah Index
80% FTSE Bursa Malaysia Emas Shariah Index + 20% 12 month Maybank Tier 1 Fixed Deposit Rate
Maybank 12 month Tier 1 Fixed Deposit Rate
MSCI AC Asia Pacific REIT**
70% MSCI Asia ex Japan Index + 30% JP Morgan Asia Credit Index
HSBC Customised Index Composite
Maybank 12 month Tier 1 Fixed Deposit Rate
50% MSCI China Index +50% MSCI India Index
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.
Presented by :
Date:
Version :

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18 Nov, 2015
SQS - Agency ver 5.6.0.4

Page 9 of 16

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:
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SQS - Agency ver 5.6.0.4

Page 10 of 16

Appendix: Death and Total & Permanent Disability Benefit

PRUlife ready
Plan Description & Benefits
PRUlife ready 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.
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:
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SQS - Agency ver 5.6.0.4

Page 11 of 16

Appendix: Critical Illness and Payors Benefit

Crisis Shield
Plan Description & Benefits
Crisis Shield pays the sum assured upon diagnosis of a critical illness. Benefit paid will reduce the PRUlife ready sum assured respectively.
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

Exclusions
Critical Illness
Critical illness benefit is not paid for
a) symptoms of illness that occur prior to or within 30 days after the policy has commenced, except for Cancer, Heart Attack and
Coronary Artery Disease in which a 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 :

razali z1a00022
18 Nov, 2015
SQS - Agency ver 5.6.0.4

Page 12 of 16

Appendix: Medical Benefit

PRUhealth
Plan Description
PRUhealth pay the benefit according to the selected plan in the event of hospitalisation or outpatient treatment due to illness or injury.
Benefits
Plan
Hospital & Surgical Benefits
a) Hospital Daily Room & Board
(120 days per year)
b) Intensive Care Unit
(30 days per year)
c) Surgical
d) In-hospital & Related Services
Out-patient Treatment Benefits

PRUhealth

PRUmedic overseas

Amount (RM)

Amount (RM)

100

As Charged

NA

NA

(Subject to co-insurance)
Amount (RM)

Amount (RM)

e) Pre-hospitalisation Treatment
(within 30 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)
Overall Annual Limit
Lifetime Limit
Emergency Medical Assistance
No Claims Bonus

As Charged

NA

(Subject to co-insurance)

As Charged
(Subject to co-insurance)
1000
(Subject to co-insurance)
50,000
500,000
Yes

NA
NA
NA
NA
NA

RM 100 per year

NA

NA

NA

Auto switch to coinsurance plan at age 55

NA

NA

l) Well-being benefit

NA

NA

Auto upgrade to next higher plan

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

a) Hospital Daily Room & Board

Reimburse actual room & board charges (subject to daily limit of the
chosen plan for PRUhealth) made by a hospital during a hospital
confinement, for up to 120 days per year.
b) Intensive Care Unit
Reimburse actual changes made by a hospital for confinement in
intensive care unit, for up to 30 days per year.
c) Surgical Benefit
Reimburse actual charges for any medically necessary surgical
procedure performed at a hospital. These include pre-and post surgical
care.
d) In-hospital & Related Services Benefit
Reimburse actual charges incurred for the following services provided
during hospital confinement:
Prescribed drugs and medicine for in-hospital use.
Dressing, splints, plaster casts, implants, external appliances and
devices required by the life assured as an in-patient.
Diagnostic and/or investigation tests such as ECG, Scans, laboratory
tests, etc.
Food and beverages (including food and lodging charged by the
hospital for an adult accompanying an insured child aged 15 or below.
Ambulance service to a hospital
Specialist and/or physician fees for in-hospital consultation and
treatments.
Intravenous infusions, blood and plasma by-products.
Other ancillary medical services and supplies, excluding private
in-hospital nursing care.
Goods and Services Tax (GST).

Presented by :
Date:
Version :

razali z1a00022
18 Nov, 2015
SQS - Agency ver 5.6.0.4

e) Pre-hospitalisation Treatment Benefit

Reimburse actual charges for treatment, consultation, investigation
and/or diagnostic tests performed within 30 days prior to hospital
admission date, for a medical condition for which hospitalisation was
f) Post-hospitalisation Treatment Benefit
Reimburse actual charges for follow-up treatment performed within 90
days after hospital discharge for the medical condition for which
hospitalisation was required. This shall include the medicines prescribed
during follow up treatment but shall not exceed the supply needed for the
maximum 90 days.
g) Home Nursing Care Benefit
Reimburse actual charges for continued nursing game by a registered
nurse in a home (on recommendation of the attending doctor) for
continued treatment of the medical condition for which hospitalisation
was required.
h) Day Surgery Benefit
Reimburse actual charges for any medically necessary surgical
procedure performed in a day-surgery unit of a hospital where a life
assured both arrives and returns home on the day of procedure.
i) Cancer Treatment Benefit
Reimburse actual charges for out-patient treatment of cancer after
hospital discharge. These include charges for radiotherapy and
chemotherapy but excluding consultation, examination tests and take
home drugs.

Page 13 of 16

j) Kidney Dialysis Benefit

Reimburse actual charges for out-patient kidney dialysis treatment
performed at a registered dialysis centre or a hospital. These exclude
consultation, examination and take home drugs.
k) Emergency Treatment for Accidental Injury Benefit
Reimburse actual charges for emergency out-patient treatment of an
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 illness.
(b) Specified Illnesses occurring within the first 120 days of
commencement
(1) Hypertension, diabetes mellitus and Cardiovascular disease;
(2) Growths of any kind including tumours, cancers, cysts, nodules,
polyps;
(3) Stones of the urinary system and biliary system;
(4) Any disease of the ear, nose (including sinuses) or throat;
(5) Hernias, haemorrhoids, fistulae, hydrocele or varicocele;
(6) Any disease of the reproductive system including endometriosis; or
(7) Any disorders of the spine (including a slipped disc) and knee
(c) Any medical or physical conditions arising within the first 30 days of the
Insured Persons cover or date reinstatement whichever is latest except
for accidental injuries.
(d)

(e)

(f)

(g)
(h)

l) Well-being benefit
In the event of covered condition, if hospitalisation is done in Malaysia
instead of overseas, well-being benefit will be payable per hospital
admission. Policyholders who claim this benefit shall no longer eligible to
reimburse claims for overseas medical treatment for the particular
covered condition. Instead, policyholders may claim this benefit for
multiple admissions in Malaysia, and claim for local medical treatment
under PRUhealth.

(j) Suicide, attempted suicide or intentionally self-inflicted injury while sane

or insane.
(k) War or any act of war, declared or undeclared, criminal or terrorist
activities, active duty in any armed forces, direct participation in strikes,
riots and civil commotion or insurrection.
(l) Ionising radiation or contamination by radioactivity from any nuclear fuel
or nuclear waste from process of nuclear fission or from any nuclear
weapons material.
(m) Expenses incurred for donation of any body organ by an Insured
Person and costs of acquisition of the organ including all costs incurred
by the 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
service or supplies including but not limited to chiropractic services,
acupuncture, acupressure, reflexology, bone setting, herbalist
Plastic/Cosmetic surgery, circumcision, eye examination, glasses and
treatment, massage or aroma therapy or other alternative treatment.
refraction or surgical correction of nearsightedness(Radial Keratotomy)
and the use or acquisition of external prosthetic appliances or devices (o) Care or treatment for which payment is not required or to the extent
such as artificial limbs, hearing aids, implanted pacemakers and
which is payable by any other insurance or indemnity covering the
prescriptions thereof.
Insured and disabilities arising out of duties of employment or
profession that is covered under a Workman's Compensation
Dental conditions including dental treatment or oral surgery except as
Insurance Contract.
necessitated by Accidental Injuries to sound natural teeth occurring
(p) Psychotic, mental or nervous disorders, (including any neuroses and
wholly during the Period of Insurance.
their physiological or psychosomatic manifestations).
Private nursing (save and except for Home Nursing Care Benefits), rest (q) Costs/expenses of services of a non-medical nature, such as television,
cures or sanitaria care, illegal drugs, intoxication, sterilization, venereal
telephones, telex services, radios or similar facilities, admission kit/pack
disease and its sequelae, AIDS (Acquired Immune Deficiency
and other ineligible non-medical items.
Syndrome) or ARC(AIDS Related Complex) and HIV related diseases, (r)
Sickness or Injury arising from racing of any kind (except foot racing),
and any communicable diseases required quarantine by law.
hazardous spots such as but not limited to skydiving, water skiing,
underwater activities requiring breathing apparatus, winter sports,
Any treatment or surgical operation for congenital abnormalities or
professional sports and illegal activities.
deformities including hereditary conditions.
Pregnancy, child birth (including surgical delivery), miscarriage, abortion (s) Private flying other than as a fare-paying passenger in any commercial
scheduled airlines licensed to carry passengers over established
and prenatal or postnatal care and surgical, mechanical or chemical
contraceptive methods of birth control or treatment pertaining to
(t) Expenses incurred for sex changes.
infertility. Erectile dysfunction and tests or treatment related to
impotence or sterilization.

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

examination, 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.

Presented by :
Date:
Version :

razali z1a00022
18 Nov, 2015
SQS - Agency ver 5.6.0.4

Page 14 of 16

Other Policy Conditions

i)Coinsurance/ Deductible (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.
Note: This list is non-exhaustive. Please refer to the policy contract for the full list of terms and conditions under this policy.
ii) No Claims Bonus (for PRUhealth only): RM100 will be payable on each anniversary of the benefit provided no claims were made in the
previous benefit year.
iii) 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.
iv) Change in Occupation, Avocation & Sports: You must inform us if threr is any change of occupation, business or personal pursuits because
it may affect the premiums, terms, conditions and benefits of the products.
v) Non-guaranteed Premium/Insurance Charge: We reserve the right to increase the premium/insurance charge at policy anniversary by giving
30 days written notice.

Presented by :
Date:
Version :

razali z1a00022
18 Nov, 2015
SQS - Agency ver 5.6.0.4

Page 15 of 16

Appendix: Other Policy Benefits and Options

Benefits
Goal Achievement Benefit
After your policy has incepted, you will be rewarded with RM500 if you are able to achieve one of the following events while your policy is in
force, subject to terms and conditions stipulated in policy documents.
- Travelling to 10 different countries
- Doubling of annual income
- Buying your first house
- Marriage
- Childbirth

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 policy may lapse, unless there are available 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. 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 1.06%, subject to maximum of RM53
(inclusive of 6% GST). Units can be switched between investment-linked funds at any time.
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.
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 RM26.50 (inclusive of 6% GST).
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 vice versa (if applicable).

Presented by :
Date:
Version :

razali z1a00022
18 Nov, 2015
SQS - Agency ver 5.6.0.4

Page 16 of 16