As a mother-to-be, you hope and dream that the child in your womb will be safe, healthy, and happy. You re not alone - we re here with you to support that dream.
Are you expecting? First comes the excitement, followed by immediate worry. Have you come across these statistics before? Let s build a starter-kit for your little one! One of the best ways to save enough for your child s education is through regular investments, and we understand that the higher education necessary for their future can be costly. Financial protection features in child plans ensure that your child gets the best in the future even in your absence. What would be your top priorities for your little one s starter-kit? Pregnancy complications Juvenile Critical Illnesses Education Fund Medical & Hospitalisation Fees Critical Illness Accidental Coverage Death and Total and Permanent Disability (TPD) 1 of parent 1 TPD coverage is available prior to the Policy Anniversary Date of age 70. Infants The Malaysian Ministry of Health has reported that 12.3 percent of,000 babies are born prematurely* each year in Malaysia, while the Singapore Medical Journal also found an incidence of 2.59 per 1,000 babies in Malaysia being admitted to the neonatal intensive care unit (NICU) for perinatal asphyxia# (deprivation of oxygen which causes physical damage). Pregnancy Complications The risk of obstetric embolism (which includes amniotic fluid embolism - amniotic fluid entering the blood stream of the mother) has been recorded to be the highest risk to cause maternal deaths (23.0 percent).^ Toddler Under Five Years Old Some of the causes of death of toddlers under 5 years old are transport accidents and accidental drowning & submersion.^ Sources: ^ Statistics on Causes of Death, Malaysia, 2017 by Department of Statistics Malaysia * http://www.theborneopost.com/2014/11/17/12-3-per-cent-babies-born-premature-in-msia-yearly-health-ministry/ # https://www.ncbi.nlm.nih.gov/pmc/articles/pmc4993971/
10 weeks of 12 weeks of pregnancy pregnancy Emily is a healthy, n o n - s m o k i n g, soon-to-be mother who will be turning 30 on her next birthday. She is expecting her first child. Like any other mother, she found pregnancy to be a happy but stressful time. Pregnancy Complications and Congenital Illnesses Infant Care Plus covers Emily and her child for selected pregnancy complications and also in the event of their passing away. Medical reimbursement due to selected congenital illnesses is also covered. This rider terminates when Emily s child attains age 5. 14 weeks of pregnancy First rule of parenting: Your love should protect till the end Here is an example you could refer to before purchasing your child's insurance policy. She came across PRUmy child plus, an insurance solution for prenatal children and decided to get her unborn baby insured. Together with her Prudential agent, they customised a solution for her unborn baby with just RM250 per month. Policy Incepted Juvenile Critical Illness Until age 25, Essential Child Plus provides Critical Illness coverage relevant to the needs of Emily s child as it focuses on child-prone conditions. Child Birth Basic Protection PRUwith you provides a lump sum benefit in the event of death/total and Permanent Disability (TPD) 1 of Emily s child. 2 nd Child After 3 years Easy And Simple Enrolment (EASE) 2 After 3 years, Emily is planning for a second child. Given that Emily has already had a fully underwritten policy with us while she was pregnant and that she is still healthy, the policy for her next child can be offered with EASE 2. Education Fund Payout To supplement her child s education, PRUsaver kid will payout a lump sum of savings that Emily has accumulated throughout the length of this policy. The more Emily puts aside for this, the higher the amount she can expect to be paid out. 18 years old Education Fund PRUsaver kid payout for the child s education Hospitalisation PRUvalue med provides medical reimbursement with no lifetime limits for Emily s child in the event of hospitalisation. Adult Critical Illness Crisis Care will replace Essential Child Plus to provide 36 relevant adult Critical Illness coverage when Emily s child attains age 25. Accident Acci Guard Plus and Acci Med Plus provide lump sum benefit and medical reimbursement benefit in the event of her child s disability due to accidental causes respectively. Policy Protection Parent Payor Basic and Saver will pay this policy s premiums if Emily passes away, experiences TPD 1, or Critical Illness and will cease when her child attains age 25. Payor Basic and Saver will then continue to protect this policy in the event of TPD 1 or Critical Illness of Emily s child. Emily s child takes over as Policy Owner 25 years old 1 TPD coverage is available prior to the Policy Anniversary Date of age 70. 2 Terms and Conditions apply.
PRUmy child plus PRUmy child plus Life Assured: Emily s child, Female Non-Smoker, prenatal Policy Owner: Emily, Female Non-Smoker, age 30 Package Annual Premium: RM3,000 (age 70 sustainability option) Fund Selection: % PRUlink managed fund II BASIC PLAN RIDERS PRUwith you Basic Sum Assured RM,000 RM,000 will be paid out in one lump sum in the event of death/ TPD 1 3 of Emily s child. The TPD 1 coverage is important as it would provide some financial cushion in the unfortunate event of TPD 1 of her child. The death coverage will become very meaningful in the future as this policy will be vested to the child at age 25, at which time the child will become the owner of this policy. Infant Care Plus Plan 2 This rider covers Emily with Pregnancy Care benefits and her child with Child Care benefits. Under Pregnancy Care benefit, RM5,000 will be paid out for the first occurrence of any covered pregnancy complications. A lump sum amount will also be paid out in the event of death of the foetus or mother. Among other coverages, Child Care benefit will pay RM daily for incubation 4 of the child. Medical reimbursement due to child s congenital conditions 5 is covered to complement the coverage from the medical plan. RM1,000 will be paid upon diagnosis of Infectious Diseases such as Severe Measles, Typhoid Fever, and Severe Hand Food Mouth Disease. Essential Child Plus Rider Sum Assured RM,000 Essential Child Plus will pay a percentage of the Rider Sum Assured upon diagnosis of a covered child-specified illness and the prevailing Rider Sum Assured will be converted to Crisis Care upon policy anniversary when Emily s child attains age 25 next birthday. PRUvalue med Room & Board, Med Value Point RM1 million and Med Saver PRUvalue med reimburses Emily s child s medical expenses according to the selected benefits in the event of hospitalisation or outpatient treatment due to illness or injury. Acci Guard Plus Rider Sum Assured RM,000 Acci Guard Plus will pay the Rider Sum Assured on death or TPD 1 due to accident or a percentage of the sum assured on disablement due to accident before policy anniversary of age 70 next birthday. In addition, the rider also pays compassionate benefit upon death. Acci Med Plus Rider Sum Assured RM5,000 Acci Med Plus reimburses the actual expenses incurred for medical treatment, hospital confinement or nursing services due to accident before policy anniversary of age 70 next birthday up to the Rider Sum Assured within 104 weeks from the date of accident. It also reimburses the actual expenses for traditional & complementary treatment, up to RM1,, incurred within 90 days from the date of accident. In addition, it also pays overseas companion allowance and prosthesis/wheelchair allowance. PRUsaver kid Annual Premium RM The payout at age 18 is projected to be RM12,527 under high and RM7,872 under low investment returns scenario respectively. More premium can be directed to PRUsaver kid for the chance of a higher expected payout. RIDERS Payor Basic Rider Sum Assured RM2, Payor Basic pays the Insurance Premium throughout the rider benefit term upon Emily s child suffering from TPD 1 before policy anniversary of age 70 next birthday or diagnosis of a covered Critical Illness. Payor Saver Rider Sum Assured RM Payor Saver pays the Investment Premium throughout the rider benefit term upon Emily s child suffering from TPD 1 before policy anniversary of age 70 next birthday or diagnosis of a covered Critical Illness. Parent Payor Basic Rider Sum Assured RM2, Parent Payor Basic pays the Insurance Premium throughout the rider benefit term upon Emily suffering from TPD 1 before policy anniversary age 70 next birthday, death or diagnosis of a covered Critical Illness. Parent Payor Saver Rider Sum Assured RM Parent Payor Saver pays the Investment Premium throughout the rider benefit term upon Emily suffering from TPD 1 before policy anniversary age 70 next birthday, death or diagnosis of a covered Critical Illness. Considering Emily has already been fully underwritten for this policy and did not have any material change in her health status, we would be able to offer Emily s future children coverage with EASE 2. This cuts through the hassle of obtaining more medical test results that would be required at underwriting. NOTES: The premium shown here is for a 14-week-old foetus with a healthy 30-year-old non-smoking mother. The required premiums may differ based on the customer profile and also amount of coverage purchased. Illustration for PRUlink managed fund II is based on a high projected investment return scenario of 8.0% p.a. for the first 20 years and 5.5% p.a. thereafter and a low projected investment return scenario of 3.0% p.a. throughout. The projected values are for illustrative purposes only. These values are neither guaranteed nor based on past performance of the investment-linked funds. 1 TPD coverage is available prior to the Policy Anniversary Date of age 70. 2 Easy And Simple Enrolment. Terms and Conditions apply. 3 In the event of a claim arising from TPD or death on life of the child before age 5 next birthday, the amount of Basic Sum Assured paid out will be subjected to Juvenile Lien as specified in the Policy Document. 4 This benefit amount for daily incubation is only payable for the first 60 days from the child s date of birth. 5 The medical reimbursement due to congenital conditions benefit is limited to RM15,000 and RM30,000 for Plan 1 and Plan 2 respectively.
All about PRUmy child plus All about PRUmy child plus 1. What is PRUmy child plus? PRUmy child plus is a proposed solution offered by our product PRUwith you as its basic plan. Attached with prenatal, Critical Illness, medical, accidental, and payor riders, it is a comprehensive insurance solution that will meet all your child s protection needs. With PRUsaver kid, this plan would then also function as a savings plan for your child s education. 2. What is PRUwith you? PRUwith you is a regular premium investment-linked insurance plan which pays the Basic Sum Assured upon the diagnosis of Total and Permanent Disability (TPD) 1 before the Policy Anniversary Date of age 70 or death of the Life Assured, whichever occurs first. Rest assured that the Basic Sum Assured will be paid out because we will pay the amount upon survival of the Life Assured to policy maturity. Being a basic plan, the following riders are attachable to be tailored to meet your individual financial and protection needs: Prenatal Rider Protect both mother and foetus with Infant Care Plus rider, which provides both Pregnancy Care Benefit and Child Care Benefit. Amongst other coverages, Pregnancy Care Benefit would cover against possible pregnancy complications before birth and Child Care Benefit would provide coverage from incubation to hospitalisation due to selected congenital conditions. Critical Illness Riders Ease your mind and focus on your recovery with Crisis Care rider and Crisis Guard rider which offer additional and accelerated lump sum payment benefits respectively upon the diagnosis of any of the covered 36 Critical Illnesses. Designed especially for the young ones, Essential Child Plus rider would provide coverage against specified child Critical Illnesses until the Policy Anniversary where the Life Assured attains age 25, at which time it will automatically convert to Crisis Care rider in order for the coverage to remain relevant. Medical Riders Set your worries aside with PRUvalue med, a comprehensive medical plan with no annual and lifetime limits for expenses incurred in the event of hospitalisation. The plan comes with various levels of Hospital Daily Room & Board and deductibles to cater to your needs. To extend your medical safety net overseas, you can attach PRUmedic overseas which enables access to treatment in Singapore, Hong Kong or China for 5 covered illnesses. Accidental Riders Obtain accidental coverage with Acci Guard Plus, Acci Med Plus, and Acci Income Plus which provide lump sum benefits, medical reimbursement and income respectively for disabilities due to accidental causes. Payor Riders Concerned about your policy when the unspeakable happens? Our Payor riders will pay for your plan in the event of death (if applicable), TPD 1 or Critical Illness of yourself or your covered family members. This will be made possible using our Payor, Parent Payor, 2Parent Payor, and Spouse Payor riders. If more than one Payor rider triggers at once, not only will the premiums of the policy be borne by Prudential, but an amount equal to the Rider Sum Assured purchased will be allocated into the policy s Account Value with % allocation, allowing for more funds for the policy owner. Savings/Investment Riders Cultivate the habit of saving and investing regularly with PRUsaver or PRUsaver kid rider which improves your money s worth with potentially higher returns and increased cash value. For further details and the full list of benefits regarding the basic plan and these riders, please refer to the Sales Illustration and Policy Document. 1 TPD coverage is available prior to the Policy Anniversary Date of age 70. 3. What is Infant Care Plus and what benefits does it provide? Infant Care Plus is a plan which provides both Pregnancy Care Benefit and Child Care Benefit. It serves to bridge the gap between the crucial periods of your pregnancy and the birth of your child. Although this rider has a 5-year benefit term, insurance charges will only be deducted twice - upon inception and also at the 13 th month after policy inception. The coverage for year 3 to 5 is provided free of charge. Here is an illustration of how Infant Care Plus works: Pregnancy Care Benefit 6 Child Care Benefit 7 Before Birth Birth After Birth- 5 years old Pregnancy Complications Eclampsia, Abruptio placentae, Amniotic fluid embolism, Acute fatty liver of pregnancy, and Disseminated Intravascular Coagulation Death of Foetus Maternal Death up to 30 days from delivery Admission into ICU/HDU within first year from birth Infant Death Within 30 days of birth Incubation of Newborn Child Within 60 days from birth Neonatal Jaundice Requiring Phototherapy Treatment within 60 days from birth Congenital Conditions 8 Hospitalisation of child Infectious Disease 9 Lump sum payout upon diagnosis (once per lifetime) PLAN 1 PLAN 2 RM2, Additional RM if accompanied with GDM RM2, RM10,000 RM daily (max 60 days) RM2, RM daily RM Lump sum Reimbursement of hospitalisation claims up to RM15,000 annually (up to age 5 years) RM Lump sum RM5,000 Additional RM1,000 if accompanied with GDM RM5,000 RM20,000 RM daily (max 60 days) RM5,000 RM daily RM1,000 Lump sum Reimbursement of hospitalisation claims up to RM30,000 annually (up to age 5 years) RM1,000 Lump sum 6 & 7 For further details regarding the Pregnancy Care Benefit and Child Care Benefit, please refer to your Policy Document. 8 & 9 Refer to the next page for the lists of covered congenital conditions and infectious disease.
All about PRUmy child plus All about PRUmy child plus 8 The list of covered congenital conditions: Transposition of the Great Vessels Coarctation of the Aorta Tetralogy of Fallot Congenital Diaphragmatic Hernia Oesophageal Astresia Trachea-oesophageal Fistula Anal Atresia Down s Syndrome Retinopathy of Prematurity 9 The list of covered infectious disease: Claim payable upon diagnosis Severe Measles Severe Hand, Foot, and Mouth Disease Chikungunya Fever Typhoid Fever Rabies Infantile Hydrocephalus Cerebral Palsy Spina Bifida Congenital Cataract Congenital Deafness Cleft Lip and/or Cleft Palate Ventricular Septal Defect Atrial Septal Defect 4. What is Essential Child Plus and what benefits does it provide? Claim payable upon hospitalisation Zika Virus MERS-CoV Ebola SARS Influenza A-Avian Influenza A(H7N9) & A (H5N1) Nipah Virus Encephalitis Japanese Encephalitis Creutzfeldt-Jakob disease Malaria Essential Child Plus rider pays a percentage of the Rider Sum Assured upon the diagnosis of the child s specified illness. At the Policy Anniversary where the child attains the age of 25, this rider will automatically convert to Crisis Care rider with coverage equivalent to the prevailing Rider Sum Assured at the time of conversion. The following specific illnesses are covered under Essential Child Plus: 20% of Rider Sum Assured a) Severe Asthma b) Glomerulonephritis with Nephrotic Syndrome c) Severe Epilepsy % of Rider Sum Assured a) Leukaemia b) Insulin Dependent Diabetes Mellitus c) Rheumatic Fever with valvular impairment d) Kawasaki diseases with heart complications e) Severe Juvenile Rheumatoid Arthritis f) Intellectual impairment due to illness or accident g) Severe Haemophilia A and Haemophilia B Note: For definitions on each condition and illness, please refer to the Policy Document. 5. What is Crisis Care and what benefits does it provide? Crisis Care rider is designed to pay a lump sum benefit upon diagnosis of any of the following 36 Critical Illnesses: 1. Stroke 19. Encephalitis 2. Heart Attack 20. Major Organ / Bone Marrow Transplant 3. Kidney Failure 21. Loss Of Speech 4. Cancer 22. Brain Surgery 5. Coronary Artery By-Pass Surgery 23. Surgery of Aorta 6. Serious Coronary Artery Disease 24. Loss Of Independent Existence 7. Angioplasty And Other Invasive 25. Bacterial Meningitis Treatments For Coronary 26. Major Head Trauma Artery Disease* 27. Chronic Aplastic Anemia 8. End-Stage Liver Failure 28. Motor Neuron Disease 9. Fulminant Viral Hepatitis 29. Parkinson s Disease 10. Coma 30. Alzheimer s Disease / Severe Dementia 11. Benign Brain Tumour 31. Surgery To Aorta 12. Paralysis Of Limbs 32. Multiple Sclerosis 13. Blindness 33. Primary Pulmonary Arterial Hypertension 14. Deafness 34. Medullary Cystic Disease 15. Third Degree Burns 35. Cardiomyopathy 16. HIV Infection Due To Blood Transfusion 36. Systemic Lupus Erythematosus 17. Full-Blown AIDS** With Severe Kidney Complications 18. End-Stage Lung Disease * For Angioplasty and Other Invasive Treatments for Coronary Artery Disease, only 10% of the Rider Sum Assured or RM25,000.00, whichever is lesser, is payable. ** Only 50% of the Rider Sum Assured is payable under Full-Blown AIDS. Any claims on this benefit will not affect the coverage of your basic plan. For a more economical Critical Illness solution, the Crisis Guard rider may be attached instead. It provides the same coverage as the Crisis Care rider, but claims on its benefit will accelerate the coverage of your basic plan.
All about PRUmy child plus All about PRUmy child plus 6. What is PRUvalue med and what benefits does it provide? PRUvalue med is a medical rider that reimburses medical expenses incurred in the event of hospitalisation and for outpatient treatment. PRUvalue med offers you: 1 Med Saver or Deductible option Med Saver or Deductible option gives you the flexibility to have a medical plan that is tailor-made to fit your needs. Med Saver Allows you to enjoy the premiums saved to increase your coverage. MORE value in every way GET GET GET MORE MORE MORE SAVINGS PROTECTION BENEFITS Higher Cash Value Better Protection 2 Med Value Point: RM1 million, RM1.5 million, RM2 million PRUvalue med is the first medical plan with no annual and lifetime limits to provide you continuous coverage. In the event that the total accumulated eligible claims paid exceed the initial Med Value Point plus any accumulated Med Value Point Bonus, we will still pay 80% of the excess eligible benefit cost. Example: Total eligible claims of RM2 million Med Value Point RM1.5 million 3 Med Value Point Bonus Rewards you for staying healthy by increasing your Med Value Point. 2% 5 More Benefits Additional benefits on top of what you would expect from a medical plan. Day Care Procedure Save time & go home 2% 11 Maternity Complication Benefits Better Medical Plan OR 1st RM1.5 million % of the total claims will be paid by Prudential Subsequent RM,000 80% will be paid by Prudential 20% will be borne by policyholder 4 % Non-Cancellable PRUvalue med is non-cancellable unless there is fraud or any circumstance that makes the policy or rider voidable or null and void. This depends on all premiums being duly paid and the rider being in force. Home Nursing Care Deductible 20,000 / 50,000 / 75,000 /,000 Provides extension to your existing medical plan as a safety net for unexpected healthcare costs. This means that PRUvalue med is Guaranteed Renewable Emergency Treatment for Accidental Injury Outpatient Cancer & Kidney Treatment Take-home Drugs Consultation Fees Examination Test The benefits provided by PRUvalue med are: Benefits Room & Board Benefits a. Hospital Daily Room & Board () Up to 150 days per year Hospital & Surgical Benefits b. Intensive Care Unit / Cardiac Care Unit Up to 90 days per year c. In-hospital & Related Services Surgical Benefit Hospital Supplies and Services Operating Theatre Anaesthetist Fees In-Hospital Specialist s Visit Limited to 2 visits per day Outpatient Treatment Benefits d. Pre-hospitalisation Treatment Within 60 days before hospitalisation e. Post-hospitalisation Treatment Within 90 days after hospital discharge f. Home Nursing Care Up to 180 days per lifetime g. Day Surgery h. Day Care Procedure i. Outpatient Cancer Treatment j. Outpatient Kidney Dialysis Benefit Amount Flexible option between RM and RM per day (Increments in multiples of RM per day) As Charged 10 As Charged 10 As Charged 10 As Charged 10 Up to 1.5 times of the initial Med Value Point per lifetime (including take-home drugs, examination tests & consultation) Other Benefits k. Maternity Complications Benefit Up to RM5,000 per year for female Life Assured only l. Intraocular Lens Up to RM6,000 per lifetime m.emergency Treatment For Up to 10 times of Hospital Daily amount per year Accidental Injury Yes or No. Med Saver or Deductible 11 Med Value Point Med Value Point Bonus Emergency Medical Assistance Expert Medical Opinion 12 If Yes, flexible option: Med Saver RM, Deductible RM20,000, Deductible RM50,000, Deductible RM75,000 or Deductible RM,000 Flexible option: RM1 million, RM1.5 million or RM2 million Med Value Point increases at 2% of the initial Med Value Point at the end of every 2 policy years, provided no claim has been incurred during the 2 policy years. Applicable to plans with Hospital Daily Room & Board of RM and above. Yes Yes
All about PRUmy child plus All about PRUmy child plus 10 We shall only reimburse Reasonable and Customary charges on eligible expenses which are deemed Medically Necessary. 11 If Med Saver is chosen, policyholder must first pay a fixed amount equivalent to Med Saver selected out of the total Reasonable and Customary Charges of eligible benefits, which are Hospital & Surgical Benefits, Outpatient Treatment Benefits, Maternity Complications Benefits and Emergency Treatment For Accidental Injury (excluding the cost of Hospital Daily Room & Board and Intraocular Lens) for any one disability. Otherwise, if Deductible is chosen, policyholder must first pay a fixed amount equivalent to the Deductible selected out of the total Reasonable and Customary Charges of accumulated eligible benefits, which are Hospital Daily Room & Board, Hospital & Surgical Benefits, Outpatient Treatment Benefits and Other Benefits within an annexure year. If Med Saver and Deductible are not chosen, the fixed amount shall not apply. 12 Expert Medical Opinion is a value added service that provides second medical opinion from medical experts in various areas of specialisation. This service is to assist you to learn more about your medical conditions and make an informed decision on the treatment plans. Note: For Overseas Treatment, if the Life Assured chooses to have or is referred to be treated outside Malaysia, the benefits for the treatment are limited to the Reasonable and Customary and Medically Necessary charges for equivalent local treatment in Malaysia and subject to 90 days residence limit. 7. Do you have any medical coverage that can be extended to your child? In fact, what may seem enough today in one s medical plan may become insufficient in the future. PRUvalue med helps you safeguard against rising healthcare costs, and allows you to have peace of mind knowing that you will have adequate and lifelong protection. 8. What is Med Saver? We have a solution for you! Extending your medical safety net with PRUvalue med with Deductible If Med Saver is chosen, you must first pay a fixed amount of RM out of the eligible benefits before Prudential pays for any expenses (excluding the cost of Hospital Daily Room & Board and Intraocular Lens) for any one disability. Med Saver applies to Hospital & Surgical Benefits, Outpatient Treatment Benefits, Maternity Complications Benefit and Emergency Treatment for Accidental Injury Benefit. Med Saver allows you the flexibility to enjoy premium savings where the premium saved can be used to enhance your coverage and retirement funds. NO PRUvalue med with Med Saver OR PRUvalue med without Med Saver Read more about Med Saver in this brochure YES Is there any annual limit or lifetime limit on your existing medical coverage? Is your existing medical coverage sufficient to cope with the rising healthcare costs? GET MORE SAVINGS Use the premium saved for other goals GET MORE PROTECTION GET MORE BENEFITS A guide on rising healthcare costs Medical Treatment Current Cost (RM) Cost In 20 Years (RM) Cataract 3, to 5,000 24,000 to 34,000 Heart attack 10,000 to 30,000 67,000 to 202,000 Knee replacement 15,000 to 40,000 101,000 to 270,000 Hip replacement 18,000 to 50,000 121,000 to 336,000 Cancer 18,000 to,000 121,000 to 2,018,000 Stroke 35,000 to 75,000 235,000 to 505,000 Kidney failure 150,000 and above 1,009,000 and above Source: http://www.thestar.com.my/business/business-news/2015/10/04/planning-for-healthcare-costs-inretirement/?style=biz Higher Cash Value 9. How does Med Saver work? Med Saver Scenario Better Protection Better Medical Plan Emily is a 30-year-old female working as an Accountant (Occupation Class 1). She has bought PRUwith you (with Death and TPD 1 Benefit) for her child at the prenatal stage, attached with Essential Child Plus (with Critical Illnesses Benefit) and PRUvalue med (PVM) on 1 February 2018 with annual premium of RM3,250 and she has selected an equity fund. 1 TPD coverage is available prior to the Policy Anniversary Date of age 70.
All about PRUmy child plus All about PRUmy child plus She would have the following options: Description Annual Premium Cash Value @ Policy year 30* Death & TPD Critical Illnesses Infant Care Plus Med Value Point Room & Board Remarks PVM without Med Saver (RM) 3,250 105,696,000,000-1 mil - PVM with Med Saver (RM) 2,380 75,842,000,000-1 mil Saved RM870 per year RM870 use premium saved for other goals (RM) Get More Savings Allocate RM870 into PRUsaver kid for savings purposes 3,250 88,817 (and payout of 29,379 @ 18 years old),000,000-1 mil Higher Cash Value Get More Protection Additional infant benefits and doubles the life and Critical Illness coverage 3,250 113,859,000,000 Plan 1 1 mil Higher Protection Get More Benefit Increase the medical coverage of PVM 3,250 103,680,000,000-2 mil Higher Medical Coverage *Illustration is based on a high projected investment return scenario (i.e. 9% p.a. for the first 20 years and 6% p.a. thereafter). The projected values are for illustrative purposes only. These values are neither guaranteed nor based on past performance of the investment-linked funds. 10. What is Deductible? If Deductible is chosen, you must first pay a fixed amount equivalent to the Deductible selected out of the total accumulated eligible benefits within an annexure year, before Prudential pays the rest of the expenses. The costs of the eligible benefit accumulated for that annexure year will not be carried forward to the next annexure year. If you already have a medical plan with an annual limit equivalent to (or higher than) the Deductible amount, the eligible expenses in excess of the Deductible selected will be covered by PRUvalue med. Deductible applies to Hospital Daily Room & Board Benefit, Hospital & Surgical Benefits, Outpatient Treatment Benefits and Other Benefits. 11. How does Deductible work? Deductible RM50,000 Scenario Emily already has another existing medical plan provided by her employer which will also cover her child, with RM50,000 annual limit. To extend her child s medical coverage, she bought a PRUvalue med for her child with Deductible RM50,000 and Med Value Point RM1.5 million. A year after her child is born, the child is diagnosed with an illness and admitted to a hospital, and incurs a medical bill of RM,000. RM50,000 ILLUSTRATION Deductible RM150,000 Extended coverage for that policy year Paid by existing Paid by Prudential medical plan Note: The above scenario is for illustration purposes only and all benefits are subject to waiting periods. Please refer to the Policy Document for the detailed terms and conditions. 12. What is Med Value Point (MVP)? Claims on eligible benefits will be payable in full (subject to Med Saver or Deductible, if applicable) up to the initial Med Value Point plus any accumulated Med Value Point Bonus. If the total accumulated eligible claims paid exceed the initial Med Value Point plus any accumulated Med Value Point Bonus, we will still provide continuous coverage up to the expiry age by paying 80% of the excess eligible benefit cost. Outpatient Cancer Treatment and Outpatient Kidney Dialysis Benefits will be up to 1.5 times of the initial Med Value Point. Claims on Outpatient Cancer Treatment and Outpatient Kidney Dialysis Benefits will be counted as part of Med Value Point. 13. How does Med Value Point work? Med Value Point Scenario Emily has bought a PRUvalue med for her child, with MVP RM1.5 million. PRUvalue med with MVP RM1.5 million RM1.5 million MVP Total claims RM2 million of the total eligible benefits, which exceed the MVP by RM,000 RM,000 We pay RM,000 (80% of RM,000) 80% 20% Emily pays RM,000 (20% of RM,000) Coverage continues until age Fully Paid by RM,000 RM,000 Prudential Prudential pays 80% Customer pays 20%
All about PRUmy child plus All about PRUmy child plus 14. What is Med Value Point Bonus? For plans with Hospital Daily Room & Board () of RM and above, and for every 2 policy years where you do not incur claims, we will reward you with Med Value Point Bonus which increases your Med Value Point (MVP) by 2% of the initial MVP. When total claims paid exceed the initial Med Value Point plus any accumulated Med Value Point Bonus, no further Med Value Point Bonus shall be provided even if there are no further claims. 15. Is the PRUvalue med coverage non-cancellable? PRUvalue med is non-cancellable which also means PRUvalue med coverage is guaranteed unless there is fraud or any circumstance that makes the policy or PRUvalue med voidable or null and void. This depends on all premiums being duly paid and PRUvalue med being in force. 16. Can I align the date my PRUvalue med s deductible resets with existing coverage that I have for my child? Date of Deductible is a facility to match the Deductible reset date 13 of PRUvalue med with Deductible with the annual limit reset date 14 of your existing medical plan. By matching the Date of Deductible, you can have seamless and uninterrupted coverage with both existing medical plan and PRUvalue med with Deductible. If you choose PRUvalue med with Deductible and do not provide the Date of Deductible, the Date of Deductible will be defaulted to PRUvalue med s effective date (i.e. Date of Annexure). When Date of Deductible and/or any of PRUvalue med with Deductible s benefit is amended (i.e. Hospital Daily Room and Board, Med Value Point or Med Saver/Deductible), Deductible accumulation will restart from zero and re-accumulate each time from the new effective date and Date of Deductible. 13 The date at which the accumulated Deductible amount resets to zero. 14 The date at which the annual claimable amount resets to the annual limit of the medical plan. 17. How do I enjoy continuous coverage up to age? PRUwith you and its attachable riders (other than accidental and juvenile riders) will expire when the Life Assured reaches age years old. However, coverage to expiry age is subject to the policy having sufficient account value to cover all the policy charges such as insurance charges, other fees and charges which are deducted from the account value. This would mean that the policy needs to have a positive account value in order for coverage to remain in force. To ensure that the policy has sufficient account value, additional premiums are likely required for continuous coverage up to age. 18. How much premium do I have to pay? The total premium that you have to pay and the policy terms may vary depending on our underwriting requirements. You are given one month s grace period after the due date for the payment of premium. The premiums are payable throughout the duration of the plan up to its maturity. Premiums can be paid yearly, half-yearly, quarterly or monthly via Auto Debit, Credit/Debit Card or Cash/Cheque. 19. How will my regular premiums be invested? We will allocate a portion of the premium to purchase units in the investment-linked fund(s). Any unallocated amount will be used to pay commissions to agent/wealth Planner and other expenses by us. You are advised to refer to the allocation rates given in the Sales Illustration. Through our PRUlink and PRUlink global funds that can cater to the financial risk appetite of a wide range of customers, you can have your premium invested in both local and even global markets. This way, you would have control not only over the amount of risk you are exposing your investments to, but can also widen your investment scope internationally. 20. Who can take up this package? As this package consists of a few components, different terms of eligibility (age next birthday) may be applicable to each individual component as follows: Basic Plan/Rider Minimum Maximum PRUwith you 14 weeks into pregnancy 70 years old Infant Care Plus For child: 14 weeks into pregnancy For mother: 18 years old For child: 35 weeks into pregnancy For mother: 45 years old Essential Child Plus 14 weeks into pregnancy 15 years old PRUvalue med 14 weeks into pregnancy 70 years old 21. What are the waiting periods that I should be aware of? The eligibility for the benefits under the policy will start only after the waiting periods below from the effective date of the policy. Where Life Assureds of PRUwith you are unborn children, a waiting period of 30 days from birth will be applicable for benefits in the policy other than those provided for by Infant Care Plus. Otherwise, there is no waiting period for the death and TPD 1 coverage under PRUwith you.
All about PRUmy child plus Benefit Conditions Waiting Period Critical Illness & Payor Heart attack, coronary 60 days Benefit artery bypass surgery, serious coronary artery disease, angioplasty and other invasive treatments for coronary artery disease, and cancer All other covered illnesses 30 days Medical Benefit Specified covered illnesses 120 days All other covered illnesses 30 days Maternity Complications 365 days Hospitalisation due to Immediately accidents Child Specified Illness (Essential Child Plus) All covered Illnesses 60 days Pregnancy Care Benefit and Child Care Benefit (Infant Care Plus) All covered conditions Immediately (Child Care Benefit starts after birth of the child) Note: For prenatal cases, waiting period for all benefits (except for Infant Care Plus) starts after birth of the child. The waiting periods for other riders are detailed in the Product Disclosure Sheet and Sales Illustration. 22. How do I find out more about PRUmy child plus or any of its components? Should you require additional information about PRUmy child plus or any of its components, you may speak to your agent or our Wealth Planner. Alternatively you could visit our website at www.prudential.com.my for more details. Appendix Infant Care Plus Infant Care Plus provides coverage of 5 years, however, the Cost Of Insurance (COI) are only charged twice: at inception and also at month 13 after policy inception. Mother s Age at Entry Infant Care - Plan 1 Infant Care - Plan 2 At Inception Month 13 At Inception Month 13 18 494 165 766 276 19 496 165 768 276 20 497 165 770 276 21 497 165 771 276 22 498 165 773 276 23 165 777 276 24 501 165 779 276 25 501 165 780 276 26 503 165 783 276 27 504 165 786 276 28 505 165 788 276 29 506 165 789 276 30 507 165 791 276 31 508 165 793 276 32 509 165 795 276 33 509 165 796 276 34 510 165 798 276 35 511 165 800 276 36 513 165 802 276 37 513 165 804 276 38 514 165 805 276 39 515 165 807 276 40 517 165 811 276 41 517 165 811 276 42 518 165 813 276 43 519 165 815 276 44 519 165 815 276 45 519 165 815 276
Appendix Essential Child Plus (Yearly Cost of Insurance (COI) for RM1,000 Sum Assured) Age Next Birthday Male Smoker Male Non Female Non Female Smoker Smoker Smoker 1 1.52 1.52 1.28 1.28 2 1.60 1.60 1.42 1.42 3 1.54 1.54 1.48 1.48 4 1.54 1.54 1.54 1.54 5 1.56 1.56 1.62 1.62 6 1.54 1.54 1.60 1.60 7 1.42 1.42 1.52 1.52 8 1.36 1.36 1.50 1.50 9 1.28 1.28 1.42 1.42 10 1.22 1.22 1.34 1.34 11 1.18 1.18 1.30 1.30 12 1.16 1.16 1.26 1.26 13 1.14 1.14 1.22 1.22 14 1.10 1.10 1.14 1.14 15 1.08 1.08 1.08 1.08 16 1.04 1.04 1.00 1.00 17 1.00 1.00 0.94 0.94 18 0.94 0.94 0.86 0.86 19 0.86 0.86 0.80 0.80 20 0.80 0.80 0.74 0.74 21 0.72 0.72 0.68 0.68 22 0.66 0.66 0.62 0.62 23 0.58 0.58 0.56 0.56 24 0.52 0.52 0.52 0.52 25 0.44 0.44 0.46 0.46 Appendix Crisis Care (Yearly COI for RM1,000 Sum Assured) Age Next Birthday Male Smoker Male Non Female Non Female Smoker Smoker Smoker 1 0.58 0.58 0.50 0.50 2 0.58 0.58 0.50 0.50 3 0.58 0.58 0.50 0.50 4 0.58 0.58 0.50 0.50 5 0.58 0.58 0.50 0.50 6 0.58 0.58 0.50 0.50 7 0.58 0.58 0.50 0.50 8 0.58 0.58 0.50 0.50 9 0.58 0.58 0.50 0.50 10 0.58 0.58 0.50 0.50 11 0.58 0.58 0.50 0.50 12 0.58 0.58 0.50 0.50 13 0.58 0.58 0.50 0.50 14 0.58 0.58 0.50 0.50 15 0.58 0.58 0.50 0.50 16 0.58 0.58 0.50 0.50 17 0.58 0.58 0.50 0.50 18 0.58 0.58 0.50 0.50 19 1.02 0.59 0.74 0.50 20 1.03 0.60 0.80 0.54 21 1.05 0.62 0.87 0.58 22 1.06 0.63 0.93 0.61 23 1.07 0.65 0.99 0.65 24 1.08 0.66 1.05 0.69 25 1.10 0.68 1.12 0.73 26 1.11 0.69 1.18 0.77 27 1.12 0.71 1.24 0.81 28 1.13 0.72 1.30 0.84 29 1.15 0.74 1.37 0.88 30 1.16 0.75 1.43 0.92 31 1.21 0.77 1.59 1.00 32 1.26 0.83 1.72 1.01 33 1.33 0.87 1.83 1.06 34 1.36 0.90 2.02 1.12 35 1.51 0.96 2.24 1.19 36 1.62 1.04 2.48 1.24 37 1.76 1.14 2.73 1.33 38 1.91 1.27 2.99 1.41
Appendix Crisis Care (Yearly COI for RM1,000 Sum Assured) Age Next Birthday Male Smoker Male Non Female Non Female Smoker Smoker Smoker 39 2.13 1.41 3.25 1.49 40 2.48 1.63 3.56 1.62 41 2.89 1.90 3.83 1.78 42 3.31 2.17 4.05 1.95 43 3.79 2.49 4.30 2.19 44 4.40 2.92 4.56 2.45 45 5.11 3.49 4.99 2.82 46 5.78 3.97 5.55 3.21 47 6.77 4.76 6.00 3.71 48 7.88 5.52 6.57 4.26 49 8.97 6.29 7.13 4.71 50 10.11 7.01 7.62 5.03 51 11.21 7.97 8.18 5.57 52 12.92 8.59 9.37 6.01 53 13.69 8.94 10.49 6.50 54 14.66 9.81 11.80 6.98 55 16.06 10.96 12.91 7.56 56 17.78 12.50 13.83 8.01 57 19.65 14.19 14.73 8.68 58 21.33 16.02 16.02 9.57 59 23.57 17.97 17.28 10.58 60 26.73 20.53 18.74 11.74 61 29.96 23.04 20.49 13.17 62 32.98 25.37 22.69 14.38 63 35.58 27.50 23.98 15.34 64 38.20 29.10 24.74 15.88 65 41.08 29.76 26.06 16.85 66 44.62 33.05 29.92 19.58 67 48.73 35.29 32.49 21.72 68 51.70 36.60 33.54 23.55 69 54.26 38.45 35.80 25.39 70 56.91 40.44 37.98 27.15 71 60.46 42.25 39.97 28.45 72 61.54 43.10 41.78 29.41 73 64.73 45.40 42.85 29.84 74 67.10 47.13 43.88 30.60 75 70.52 49.67 44.37 30.97 Appendix Crisis Care (Yearly COI for RM1,000 Sum Assured) Age Next Birthday Male Smoker Male Non Female Non Female Smoker Smoker Smoker 76 73.50 52.02 45.05 31.55 77 78.60 55.90 46.25 32.60 78 82.94 59.34 47.44 33.87 79 87.41 62.92 49.04 35.28 80 92.01 65.37 51.00 36.61 81 96.73 68.57 54.02 37.89 82 104.25 73.94 56.94 40.51 83 110.57 79.13 60.24 43.30 84 117.73 85.69 63.94 46.76 85 125.71 92.40 68.03 49.91 86 134.61 98.80 72.43 53.32 87 144.99 106.11 78.02 57.64 88 156.50 114.00 83.80 62.12 89 169.15 122.57 89.97 66.92 90 183.06 136.53 96.51 72.04 91 208.66 146.84 105.35 76.83 92 229.53 160.33 113.76 86.43 93 252.22 174.90 126.86 96.69 94 276.60 190.42 140.37 107.30 95 302.39 206.85 153.53 117.72 96 328.92 223.82 165.09 126.97 97 355.09 240.65 172.76 133.42 98 381.26 257.48 180.43 142.24 99 407.43 274.31 188.10 155.18 433.60 291.14 195.77 158.25
Appendix PRUvalue med The Yearly Cost of Insurance (COI) charges for PRUvalue med with Hospital Daily Room & Board () to shown in the tables below are only applicable to Occupational Class 1 & 2. The COI of Occupational Class 3 & 4 are respectively 1.25 & 1.5 times the COI for Occupation Class 1 & 2. Med Value Point RM1 million Med Saver RM - Male COI Rates Med Saver RM - Female COI Rates Age 1 660 750 974 1,237 1,462 1,649 487 553 719 913 1,079 1,217 2 808 918 1,193 1,514 1,790 2,019 660 750 974 1,237 1,462 1,649 3 612 695 904 1,147 1,356 1,530 493 561 729 925 1,093 1,234 4 574 652 848 1,076 1,272 1,435 489 555 722 916 1,083 1,221 5 554 630 819 1,039 1,228 1,386 484 550 714 907 1,072 1,209 6 to 10 411 467 607 771 911 1,028 454 590 749 886 999 11 to 15 411 467 607 771 911 1,028 398 452 588 746 882 995 16 to 20 531 604 785 996 1,177 1,328 505 574 746 947 1,119 1,262 21 to 25 566 643 836 1,061 1,254 1,415 554 630 819 1,039 1,228 1,386 26 to 30 591 671 872 1,107 1,308 1,476 579 658 855 1,086 1,283 1,447 31 to 35 612 695 904 1,147 1,356 1,530 605 688 894 1,135 1,341 1,513 36 to 40 651 740 962 1,221 1,443 1,628 678 770 1,001 1,271 1,502 1,694 41 to 45 780 886 1,152 1,462 1,728 1,949 847 963 1,251 1,588 1,877 2,118 46 to 50 990 1,125 1,463 1,857 2,194 2,475 1,010 1,148 1,492 1,894 2,238 2,525 51 to 55 1,219 1,385 1,801 2,286 2,702 3,048 1,221 1,388 1,804 2,290 2,707 3,054 56 to 60 1,669 1,897 2,466 3,129 3,698 4,172 1,459 1,658 2,155 2,735 3,232 3,647 61 to 65 2,562 2,912 3,785 4,804 5,677 6,405 2,089 2,374 3,086 3,916 4,629 5,222 66 to 70 3,571 4,058 5,275 6,696 7,913 8,928 2,987 3,394 4,412 5, 6,618 7,466 71 to 75 5,684 6,459 8,396 10,657 12,594 14,209 4,986 5,666 7,366 9,350 11,050 12,466 76 to 80 8,535 9,698 12,608 16,002 18,912 21,337 7,486 8,507 11,059 14,036 16,588 18,715 81 to 85 12,180 13,841 17,994 22,838 26,990 30,451 11,710 13,306 17,298 21,955 25,947 29,274 86 to 90 15,532 17,650 22,945 29,122 34,417 38,829 14,478 16,452 21,387 27,145 32,081 36,194 91 to 95 18,731 21,286 27,671 35,121 41,507 46,828 16,729 19,010 24,714 31,367 37,070 41,823 96 to 22,070 25,080 32,604 41,382 48,906 55,175 19,397 22,042 28,655 36,370 42,982 48,493 Appendix PRUvalue med Med Value Point RM1 milion Age Without Med Saver/Deductible - Male COI Rates Without Med Saver/Deductible - Female COI Rates 1 1,086 1,234 1,605 2,037 2,407 2,715 881 1,001 1,302 1,652 1,953 2,203 2 1,254 1,425 1,852 2,351 2,778 3,135 1,151 1,308 1,700 2,158 2,550 2,877 3 1,002 1,138 1,480 1,879 2,220 2,505 870 989 1,286 1,632 1,928 2,176 4 935 1,063 1,381 1,753 2,072 2,338 789 897 1,166 1,480 1,749 1,973 5 712 809 1,052 1,335 1,578 1,780 620 704 915 1,162 1,373 1,549 6 to 10 624 709 921 1,169 1,382 1,559 595 677 880 1,117 1,320 1,489 11 to 15 578 657 854 1,083 1,280 1,445 526 597 776 985 1,165 1,314 16 to 20 724 823 1,070 1,358 1,605 1,811 615 699 909 1,154 1,363 1,538 21 to 25 761 865 1,125 1,428 1,687 1,903 742 843 1,096 1,391 1,644 1,854 26 to 30 770 875 1,138 1,444 1,706 1,925 751 853 1,109 1,408 1,664 1,877 31 to 35 791 899 1,169 1,483 1,753 1,977 770 875 1,137 1,444 1,706 1,925 36 to 40 821 933 1,213 1,540 1,820 2,054 883 1,003 1,304 1,656 1,957 2,207 41 to 45 952 1,081 1,406 1,784 2,109 2,379 1,104 1,255 1,632 2,071 2,447 2,761 46 to 50 1,204 1,368 1,779 2,258 2,668 3,010 1,397 1,587 2,064 2,619 3,095 3,492 51 to 55 1,839 2,090 2,717 3,448 4,075 4,598 1,521 1,729 2,248 2,853 3,371 3,804 56 to 60 2,311 2,626 3,414 4,333 5,121 5,777 1,842 2,093 2,721 3,453 4,081 4,604 61 to 65 3,750 4,261 5,539 7,031 8,309 9,374 3,492 3,968 5,158 6,547 7,737 8,729 66 to 70 6,201 7,047 9,161 11,628 13,742 15,503 5,997 6,815 8,860 11,245 13,290 14,993 71 to 75 7,768 8,827 11,475 14,565 17,213 19,420 7,523 8,549 11,113 14,105 16,670 18,807 76 to 80 9,862 11,206 14,568 18,491 21,853 24,654 9,613 10,923 14, 18,023 21, 24,031 81 to 85 12,821 14,570 18,941 24,040 28,411 32,053 12,322 14,002 18,203 23,104 27,305 30,805 86 to 90 16,349 18,579 24,152 30,655 36,228 40,873 15,258 17,339 22,540 28,609 33,811 38,145 91 to 95 19,717 22,406 29,128 36,970 43,691 49,293 17,561 19,956 25,943 32,928 38,915 43,904 96 to 23,232 26, 34,320 43,560 51,480 58,079 20,405 23,188 30,144 38,260 45,216 51,013
Appendix PRUvalue med Med Value Point RM1 million Age Deductible RM20,000 - Male COI Rates Deductible RM20,000 - Female COI Rates 1 130 148 192 244 289 326 119 135 175 223 263 297 2 130 148 192 244 289 326 119 135 175 223 263 297 3 130 148 192 244 289 326 119 135 175 223 263 297 4 130 148 192 244 289 326 119 135 175 223 263 297 5 130 148 192 244 289 326 119 135 175 223 263 297 6 to 10 114 148 188 222 250 91 104 135 171 202 228 11 to 15 88 130 165 195 220 87 99 128 163 192 217 16 to 20 129 146 190 241 285 321 123 140 181 230 272 307 21 to 25 145 165 214 272 321 362 133 151 196 249 294 332 26 to 30 156 177 230 292 345 389 144 164 213 271 320 361 31 to 35 172 196 255 323 382 431 160 181 236 299 354 399 36 to 40 185 210 273 346 409 461 167 190 247 313 370 417 41 to 45 207 235 306 388 458 517 176 261 331 391 441 46 to 50 270 307 507 599 676 212 241 313 397 470 530 51 to 55 409 465 604 767 906 1,022 289 328 426 541 640 722 56 to 60 509 579 753 955 1,129 1,274 378 429 558 708 837 944 61 to 65 834 948 1,232 1,564 1,848 2,085 709 806 1,048 1,330 1,571 1,773 66 to 70 1,305 1,483 1,929 2,448 2,893 3,264 1,110 1,262 1,640 2,082 2,461 2,776 71 to 75 1,794 2,039 2,651 3,365 3,976 4,486 1,525 1,733 2,252 2,859 3,379 3,812 76 to 80 2,163 2,458 3,196 4,056 4,794 5,408 1,800 2,045 2,659 3,374 3,988 4,499 81 to 85 2,682 3,048 3,962 5,029 5,943 6,705 2,217 2,519 3,275 4,157 4,913 5,543 86 to 90 3,471 3,944 5,128 6,508 7,691 8,677 2,780 3,159 4,107 5,213 6,161 6,950 91 to 95 4,621 5,251 6,827 8,665 10,240 11,553 3,587 4,076 5,299 6,725 7,948 8,967 96 to 5,447 6,189 8,046 10,212 12,069 13,617 4,013 4,560 5,928 7,524 8,892 10,032 Appendix PRUvalue med Med Value Point RM1 million Age Deductible RM50,000 - Male COI Rates Deductible RM50,000 - Female COI Rates 1 102 116 151 191 226 255 93 106 137 174 206 233 2 102 116 151 191 226 255 93 106 137 174 206 233 3 102 116 151 191 226 255 93 106 137 174 206 233 4 102 116 151 191 226 255 93 106 137 174 206 233 5 102 116 151 191 226 255 93 106 137 174 206 233 6 to 10 78 89 115 146 173 195 72 82 106 135 159 179 11 to 15 76 87 113 143 169 191 71 81 105 133 157 177 16 to 20 116 132 172 218 257 290 88 130 164 194 219 21 to 25 124 141 183 233 275 310 109 124 161 204 242 272 26 to 30 126 143 186 236 279 315 110 125 162 206 244 275 31 to 35 129 146 190 241 285 321 119 135 175 223 263 297 36 to 40 137 156 203 258 304 343 134 152 198 251 297 335 41 to 45 160 181 236 299 353 399 164 186 242 307 363 410 46 to 50 194 221 287 364 430 485 196 223 289 367 434 490 51 to 55 322 366 475 603 713 804 246 280 364 462 546 616 56 to 60 392 445 579 734 868 979 290 329 428 543 642 724 61 to 65 550 625 813 1,032 1,219 1,376 420 477 621 788 931 1,050 66 to 70 780 886 1,152 1,462 1,728 1,950 605 688 894 1,135 1,341 1,513 71 to 75 1,185 1,346 1,750 2,221 2,625 2,962 922 1,047 1,361 1,728 2,042 2,304 76 to 80 1,792 2,036 2,647 3,360 3,970 4,480 1,399 1,590 2,067 2,624 3,101 3,498 81 to 85 2,404 2,731 3,551 4,507 5,326 6,009 1,933 2,197 2,856 3,625 4,284 4,834 86 to 90 2,856 3,246 4,220 5,356 6,330 7,141 2,263 2,571 3,343 4,243 5,014 5,657 91 to 95 3,426 3,893 5,061 6,423 7,591 8,564 2,741 3,114 4,049 5,139 6,073 6,852 96 to 4,034 4,584 5,959 7,563 8,938 10,084 3,246 3,689 4,796 6,087 7,194 8,116
Appendix PRUvalue med Med Value Point RM1 million Age Deductible RM75,000 - Male COI Rates Deductible RM75,000 - Female COI Rates 1 88 130 165 194 219 80 91 118 150 178 201 2 88 130 165 194 219 80 91 118 150 178 201 3 88 130 165 194 219 80 91 118 150 178 201 4 88 130 165 194 219 80 91 118 150 178 201 5 88 130 165 194 219 80 91 118 150 178 201 6 to 10 67 76 99 125 148 167 62 70 92 116 137 155 11 to 15 66 75 97 123 145 164 61 69 90 115 136 153 16 to 20 113 147 187 221 249 76 86 112 142 168 189 21 to 25 107 121 158 237 267 94 107 139 176 208 235 26 to 30 108 123 160 203 240 270 95 108 140 178 210 237 31 to 35 110 125 163 207 244 276 102 116 151 192 227 256 36 to 40 118 134 174 221 261 295 115 131 170 216 255 288 41 to 45 137 156 203 258 304 343 141 161 209 265 313 353 46 to 50 167 189 246 312 369 417 169 192 249 317 374 422 51 to 55 276 314 408 518 613 691 212 241 314 398 470 531 56 to 60 336 382 497 631 745 841 250 284 369 469 554 625 61 to 65 473 537 698 886 1,048 1,182 362 411 535 679 802 905 66 to 70 670 761 990 1,256 1,485 1,675 522 593 770 978 1,156 1,304 71 to 75 1,018 1,157 1,504 1,909 2,256 2,546 794 903 1,174 1,490 1,760 1,986 76 to 80 1,539 1,749 2,274 2,886 3,411 3,848 1,206 1,371 1,782 2,261 2,673 3,015 81 to 85 2,067 2,348 3,053 3,875 4,579 5,167 1,666 1,893 2,461 3,124 3,692 4,166 86 to 90 2,455 2,790 3,627 4,604 5,441 6,139 1,951 2,217 2,882 3,658 4,323 4,877 91 to 95 2,945 3,347 4,351 5,522 6,527 7,363 2,363 2,686 3,491 4,431 5,237 5,909 96 to 3,468 3,941 5,124 6,503 7,686 8,671 2,800 3,182 4,136 5,250 6,204 7,000 Appendix PRUvalue med Med Value Point RM1 million Age Deductible RM,000 - Male COI Rates Deductible RM,000 - Female COI Rates 1 74 84 109 138 163 184 67 77 99 126 149 168 2 74 84 109 138 163 184 67 77 99 126 149 168 3 74 84 109 138 163 184 67 77 99 126 149 168 4 74 84 109 138 163 184 67 77 99 126 149 168 5 74 84 109 138 163 184 67 77 99 126 149 168 6 to 10 56 63 82 105 124 140 52 59 77 98 116 131 11 to 15 55 62 81 103 122 137 51 58 76 96 114 129 16 to 20 83 95 123 156 185 208 64 73 94 120 141 160 21 to 25 90 102 132 168 198 224 79 90 117 148 175 197 26 to 30 90 103 134 169 226 80 91 118 150 177 199 31 to 35 92 105 136 173 204 230 86 98 127 161 190 215 36 to 40 98 112 145 184 218 246 97 110 143 181 214 241 41 to 45 115 131 170 216 255 288 119 135 175 223 263 297 46 to 50 139 158 206 261 308 348 142 161 209 266 314 354 51 to 55 231 263 342 434 513 578 178 202 263 334 395 445 56 to 60 281 319 415 527 622 702 210 239 310 394 465 525 61 to 65 395 449 584 741 876 988 304 345 449 570 674 760 66 to 70 560 636 827 1,050 1,241 1, 438 497 647 821 970 1,094 71 to 75 852 968 1,258 1,597 1,887 2,129 667 758 986 1,251 1,479 1,668 76 to 80 1,287 1,462 1,901 2,413 2,851 3,217 1,013 1,151 1,496 1,899 2,244 2,532 81 to 85 1,730 1,965 2,555 3,243 3,832 4,324 1,399 1,590 2,067 2,623 3, 3,497 86 to 90 2,055 2,335 3,035 3,852 4,553 5,136 1,639 1,862 2,421 3,072 3,631 4,096 91 to 95 2,465 2,801 3,642 4,622 5,462 6,163 1,986 2,257 2,934 3,724 4,401 4,966 96 to 2,903 3,299 4,289 5,443 6,433 7,258 2,353 2,674 3,476 4,412 5,215 5,883 Note: For PRUvalue med cost of insurance rates with other combinations of Med Saver or Deductible and Med Value Point options, please refer to www.prudential.com.my.
Exclusion Exclusion PRUwith you a. If death is due to suicide within the one year of the commencement date of the policy or the date on which the policy revived, only the account value shall be payable. b. TPD benefit is not payable if the disability is directly or indirectly caused by: i. Pre-existing conditions; or ii. Any attempted suicide or self-inflicted injury whether attempted/inflicted while sane or insane; or iii. Any travelling in an aircraft other than as a pilot or a member of a crew or a fare-paying passenger in a commercial aircraft licensed for passenger service on scheduled flights over established routes only; or iv. Any participation in any aerial sporting activities such as hang-gliding, ballooning, parachuting, skydiving, bungee jumping and other such similar activities. c. This policy does not cover pre-existing conditions. Infant Care Plus Pregnancy Care Benefit is not payable if the death, condition, illness, injury or event is directly or indirectly caused by, or accelerated by, or in connection with any of the following: a. Pre-existing conditions; b. A deliberate act like drinking alcohol, taking drugs or poison, suicide or attempted suicide or deliberate self-injury while sane or insane; c. Acquired Immune Deficiency Syndrome ( AIDS ) or the presence of any Human Immuno deficiency Virus ( HIV ) infection; d. Usage of drugs unless as prescribed by a doctor; e. Termination of pregnancy other than for medical reasons; f. Any complications resulting from fertility treatment including in-vitro fertilisations; g. Any unlawful, criminal or deliberate act or failure to act; or h. War, riot or revolution or any similar event or taking part in a riot, strike or civil commotion. Child Care Benefit is not payable if the death, condition, illness, injury or event is directly or indirectly caused by, accelerated by, or in connection with any of the following: a. AIDS or the presence of any HIV infection; b. Usage of drugs unless as prescribed by a doctor; c. Any complications resulting from fertility treatment including in-vitro fertilisations; d. Any unlawful, criminal or deliberate act or failure to act; or e. War, riot or revolution or any similar event or taking part in a riot, strike or civil commotion. Essential Child Plus Essential Child Plus is not payable if the Life Assured is diagnosed as suffering from a Covered Illness that: a. Arises directly or indirectly from a pre-existing condition; b. Is caused directly or indirectly from AIDS or HIV infection; c. Is an illness relating directly or indirectly from any inherited disorder that is first diagnosed when the Life Assured is 12 months old or younger, or congenital conditions; or d. Is caused by, contributed to by, or resulting from the use of unprescribed drugs if, by law, such drugs must first be prescribed by a doctor before any usage. If the Life Assured dies within 30 days after being diagnosed with the illness or condition, Essential Child Plus is not payable. Crisis Care We shall not pay the benefit if the illness or condition is caused directly or indirectly by one of the following: a. Any symptoms occurring within the first; i. 60 days of continuous cover for Heart Attack, Coronary Artery Bypass Surgery, Serious Coronary Artery Disease, Cancer or Angioplasty And Other Invasive Treatments For Coronary Artery Disease; and ii. 30 days of continuous cover for other illnesses or conditions. b. Existence of AIDS or the presence of any HIV infection (except for Full-Blown AIDS or AIDS due to Blood Transfusion); c. Pre-existing illness; d. Congenital conditions or is caused directly or indirectly from a congenital condition within the first 2 years from the date of birth; or e. Any claim if the Life Assured dies within 30 days after being diagnosed with the illness or condition. PRUvalue med PRUvalue med does not cover any hospitalisation, surgery or charges caused directly or indirectly, wholly or partly, by any one of the following occurrences: a. Pre-existing conditions. b. Specified Illnesses listed below occurring during the first 120 days from the effective date of the rider or the date it is revived, whichever is later. i. Hypertension, Diabetes Mellitus and Cardiovascular disease; ii. Growths of any kind including tumours, cancers, cysts, nodules, polyps; iii. Stones of the urinary system and biliary system; iv. Any disease of the ear, nose (including sinuses) or throat; v. Hernias, haemorrhoids, fistulae, hydrocele or varicocele; vi. Any disease of the reproductive system including endometriosis; or vii. Any disorders of the spine (including a slipped disc) and knee conditions.
Exclusion Exclusion c. Any medical or physical conditions and its signs or symptoms occurring within the first 30 days from the effective date of the rider or the date it is revived, whichever is later, except for traumatic bodily injury caused by an accident. d. Any neonatal medical or physical conditions including birth trauma (a physical injury sustained by an infant during birth) occurring within the first 30 days from the effective date of the rider, the date it is revived or the date of birth of the Life Assured, whichever is latest. e. Elective cosmetic or plastic surgery (except re-constructive surgery necessary to restore function), hyperhidrosis, circumcision, eye examination for nearsightedness, farsightedness or astigmatism, visual aids and refraction or surgical correction of nearsightedness (Radial Keratotomy) and the use or acquisition of external prosthetic appliances or devices such as but not limited to artificial limbs, hearing aids, cochlear apparatus, external or temporary pacemakers and prescriptions thereof. f. Dental conditions including dental treatment or oral surgery except as necessitated by accident to restore function of sound natural teeth occurring while the Policy and the rider are in force. g. Private nursing (except for Home Nursing Care Benefit), rest cures or sanitaria care. h. Drug abuse, addictive disorders from any kind of substance or alcohol use or misuse, under influence of alcohol, venereal disease and its sequelae, AIDS (Acquired Immune Deficiency Syndrome) or ARC (AIDS Related Complex) and HIV related diseases, and any communicable diseases requiring quarantine by law. i. Any treatment or surgical operation for congenital abnormalities or deformities including hereditary conditions. j. Pregnancy, childbirth (including surgical delivery), miscarriage, abortion and prenatal or postnatal care and surgical, mechanical or chemical contraceptive methods of birth control or treatment pertaining to infertility and its complications, with exception to the benefits as provided under the Maternity Complications Benefits. Erectile dysfunction and tests or treatment related to impotence or sterilisation. k. Primarily for investigatory purposes, diagnosis, X-ray examination, stem-cell therapy, general physical or medical examinations, not incidental to treatment or diagnosis of a covered Disability or any treatment which is not Medically Necessary and any preventive treatments, preventive medicines or examinations carried out by a physician, and treatments specifically for weight reduction or gain or bariatric surgery. l. Suicide, attempted suicide or intentionally self-inflicted injury while sane or insane. m. War or any act of war, declared or undeclared, criminal or terrorist activities, act of foreign enemies, active duty in any armed forces, direct participation in strikes, riots, civil commotion, insurrection, revolution or any war-like operations. n. Ionising radiation or contamination by radioactivity from any nuclear fuel or nuclear waste from process of nuclear fission or from any nuclear weapons material. o. Expenses incurred for donation of any body parts or organ by the Life Assured and acquisition of the organ including all costs incurred by the donor during organ transplant and its complications. p. Investigation and treatment of sleep apnoea and snoring disorders, hormone replacement therapy and alternative therapy such as treatment, medical service or supplies, including but not limited to chiropractic services, acupuncture, acupressure, reflexology, bonesetting, hyperbaric oxygen therapy, herbalist treatment, massage or aroma therapy or other alternative treatment. q. Care or treatment for which payment is not required or to the extent which is payable by any other insurance or indemnity covering the Life Assured, and Disabilities arising out of duties of employment or profession that is covered under a Workman s Compensation Insurance Contract. r. Psychotic, mental or nervous disorders (including any neuroses and their physiological or psychosomatic manifestations). s. Costs/expenses of services of a non-medical nature, such as television, telephones, telex services, radios or similar facilities, admission kit/pack and other ineligible non-medical items. t. Participating in racing of any kind (except foot racing), hazardous sports such as but not limited to skydiving, water skiing, underwater activities requiring breathing apparatus, winter sports, professional sports and illegal activities. u. Private flying other than as a fare-paying passenger in any commercial scheduled airlines licensed to carry passengers over established routes. v. Expenses incurred for sex changes. w. Experimental treatments, including medication and/or unconventional medical technology/ procedure, which has not been proven to be effective, based on established medical practice, and which has not been approved by a recognised body in the country in which the Life Assured receives the treatment. x. Care or treatments that do not lead to a recovery, conservation of the Life Assured s condition or restoration to the Life Assured s previous state of health. Note: This list is non-exhaustive. Please refer to the Policy Document for the full list of terms and conditions under this policy. Important Notes a. This brochure is for illustrative purposes only. You are advised to refer to Prudential s Product Disclosure Sheet, Sales Illustration, and the consumer education booklet on Life Insurance, Investment-Linked Insurance, Child Education Plan, and Medical and Health Insurance before purchasing the plan, and to refer to the terms and conditions in the policy document for details of the important features of the plan. b. Please note that the package here consists of components that can be bought separately and you are not obligated to select all components of this package. c. You should satisfy yourself that this product will best serve your needs. You should also satisfy yourself that the premium payable under the policy is an amount that you can afford. To achieve this, we recommend that you speak to your agent or Wealth Planner who will perform a needs analysis and assist you in making an informed decision. You may also contact the insurance company directly for more information. d. The insurance charge for basic benefits is guaranteed, whereas other charges and the insurance charges for the riders are not guaranteed and may be varied from time to time by giving 3 months notice to policy owners (except for medical and critical illness benefit where 30 days notice will be provided). If we increase the insurance charge rates after the premium payment term, you may need to pay an additional premium or top-ups. Premiums for this plan are payable throughout the entire term of this policy.
Important Notes e. If you cancel the policy in the early years, you may not be able to obtain the full value from the amount you have paid to us. When you surrender the policy, all benefits in the policy will be terminated. f. Details of the fees and charges charged for providing the insurance coverage and its optional riders are detailed in the Product Disclosure Sheet and Sales Illustration. g. There is a free-look period of 15 days after the delivery of your policy to allow you to review it if it meets your needs. If the policy is cancelled within this period, we will refund you the value of units (at the next pricing date) plus the premiums that are not invested, insurance charges, service charge, processing charge (if any), taxes (if any) that we have deducted, less medical expenses that we may have already paid or agreed to pay. h. It is important that any receipt that you receive should be kept as proof of payment of premiums. i. PRUwith you and its attachable riders are not Shariah-compliant products. j. Non-payment of premiums may cause this policy to lapse. Should you stop paying premiums, the policy may continue for as long as there are sufficient units in the respective accounts and will lapse when the value of investment units is insufficient to pay for the insurance and other charges. k. For more information on the funds, please refer to their respective Fund Fact Sheet available on our website at www.prudential.com.my. You may also track the performance of your funds by checking the unit prices published daily on our website. l. If you switch your current medical plan with another or from one provider to another, you may be subject to new underwriting requirements and waiting periods for the new plan. m. You must inform us of any change in your occupation, avocation or sports activities because it may affect the premiums, terms, conditions and benefits. n. Emergency Medical Assistance and Expert Medical Opinion under PRUvalue med rider are services provided from third-party providers which are non-contractual in nature and do not form part of the policy. We have the right to terminate this service by giving a 90-day written notice. o. Any age reference shall be on the basis of Age Next Birthday. p. Prudential Assurance Malaysia Berhad (PAMB) is an insurance company licensed under the Financial Services Act 2013 and is regulated by Bank Negara Malaysia. PLEASE NOTE THAT THIS IS AN INSURANCE PRODUCT THAT IS TIED TO THE PERFORMANCE OF THE UNDERLYING ASSETS, AND IS NOT A PURE INVESTMENT PRODUCT SUCH AS UNIT TRUSTS. Prudential Assurance Malaysia Berhad Member of PIDM Embrace your life-changing experience, we re here for you! Prudential Assurance Malaysia Berhad (PAMB) is a member of Perbadanan Insurans Deposit Malaysia (PIDM). As a member of PIDM, some of the benefits insured under the insurance policies offered by PAMB are protected against loss of part or all of insurance benefits by PIDM, in the unlikely event of an insurer member failure. For further details of the protection limits and the scope of coverage, please obtain a PIDM information brochure from PAMB or visit PIDM website (www.pidm.gov.my) or call PIDM toll-free line (1-800-88-1266).