PRUmedic overseas Extend your medical safety net overseas MEDICAL

PRUmedic overseas Extend your medical safety net overseas MEDICAL

Extend your medical safety net overseas Our world is becoming more interconnected in most aspects, including the healthcare sector. The acceleration of more advanced and convenient healthcare options has encouraged patients to seek better medical treatment overseas. Boost your coverage to a whole new level with PRUmedic overseas today! It provides coverage if you decide to seek medical treatment in Singapore, Hong Kong or China, for up to 5 covered illnesses! China Hong Kong Singapore

We all know that good health is one of life s greatest treasures. PRUmedic overseas is designed to provide valuable benefits to specifically meet your needs in seeking the best medical treatments abroad. These three countries are among the top healthcare providers internationally. Singapore Hong Kong China Ranked #1 for most efficient healthcare system in 2014 by Bloomberg. 1 Ranked #2 for most efficient healthcare system in 2014 by Bloomberg. 1 China has the most registered organ donors in Asia and the second highest number globally. 5 Singapore s blood supply ranks amongst the safest in the world. 2 Personalised medicine through genetic tests at affordable prices boosts medical tourism in Hong Kong. 3 Wuhan is reportedly China s largest organ transplant centre. 6 Cancer treatment is a top specialty there. 2 Chinese-Western Medicine Many of the best cancer treatments in the world are available in Hong Kong. 4 China performs more than 10,000 transplants a year. 6 Sources: 1 http://www.bloomberg.com/visual-data/best-and-worst/most-efficient-health-care-2014-countries 2 Singapore Tourism Board (STB), 2016 3 China Daily Asia, 2016 4 http://www.health-traveler.com/destinations/hong-kong 5 http://www.chinadaily.com.cn/china/2016-05/15/content_25287057.htm 6 Doctors Against Forced Organ Harvesting (DAFOH), 2016

Benefits at a glance PRUmedic overseas offers you: A unique medical plan that allows you to seek medical treatment overseas 5 covered illnesses High Lifetime Limit up to RM4 million in 3 countries 4m 3m 2m 1m 0

All about PRUmedic overseas 1 1 What is PRUmedic overseas? PRUmedic overseas is a regular premium investment-linked medical rider that reimburses medical expenses incurred for hospitalisation and outpatient treatment in Singapore, Hong Kong and China for the following covered illnesses: Surgery related to cancer Neurosurgery Coronary artery bypass surgery Heart valve surgery Organ transplant (kidney, lung, liver, heart, pancreas or bone marrow transplant) 2 2 What are the benefits provided under PRUmedic overseas (PMO)? Plan Benefits Benefit Amount (RM) PMO Gold PMO Platinum Hospital & Surgical Benefits a) Hospital Daily Room & Board Benefit (120 days per year) b) Intensive Care Unit Benefit (30 days per year) c) Surgical Benefit d) In-Hospital & Related Services Benefit Outpatient Treatment Benefits a) Pre-Hospitalisation Treatment Benefit (within 30 days prior to hospitalisation) b) Post-Hospitalisation Treatment Benefit (within 90 days after hospital discharge) c) Home Nursing Care Benefit (180 days maximum per lifetime) d) Day Surgery Benefit e) Cancer Treatment Benefit Well-Being Benefit 1 Overall Annual Limit Lifetime Limit As Charged As Charged 5,000 200,000 2,000,000 As Charged As Charged 10,000 400,000 4,000,000 1 If surgery for a covered illness is done in Malaysia instead of overseas, then Well-Being Benefit will be payable for every hospitalisation and surgery done in Malaysia for the 5 covered illnesses. Once you have claimed the Well-Being Benefit, you shall no longer be entitled to claim other benefits (i.e.: Hospital & Surgery Benefits and Outpatient Treatment Benefits) for that particular covered illness. For surgeries that fall under two or more categories of covered illness, Well-Being Benefit will be paid once for each hospitalisation. Any claim on this benefit will reduce the Overall Annual Limit and Lifetime Limit. Note: We shall only reimburse on Reasonable and Customary charges on eligible expenses which are deemed Medically Necessary. The reimbursement for the charges incurred for a covered illness shall be based on the Reasonable and Customary Charges in Malaysia or one of the specified countries, and not subject to 90 days residence limit.

All about PRUmedic overseas 3 3 Who can take up the plan? PRUmedic overseas is available to anyone aged between 1 to 70 years old on their next birthday. 4 4 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 the chosen expiry age. 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 the agent/wealth planner and other expenses by us. You are advised to refer to the allocation rates given in the Sales Illustration. Premiums can be paid yearly, half-yearly, quarterly or monthly via Auto Debit, Credit/Debit Card or Cash/Cheque. 5 5 How do I take up PRUmedic overseas? You must first take up PRUvalue med or PRUhealth before you can purchase PRUmedic overseas. 6 6 How do I get started with PRUmedic overseas? Step 1 Choose the basic medical plan: PRUvalue med PRUhealth Step 2 Choose a plan under PRUmedic overseas: PMO Gold PMO Platinum Step 3 Decide on the Age: 70 years old 80 years old 90 years old* 100 years old *Only available if PRUvalue med is selected. 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.

Appendix Annual Premium Rates of PRUmedic overseas for Occupational Class 1 & 2. Premium rates are based on standard risk and are subject to underwriting. Plan PMO Gold PMO Platinum Entry Age Next Birthday (ANB) Age 70 Age 80 Age 90 Age 100 Age 70 Age 80 Age 90 Age 100 1 15 371 418 559 613 503 567 759 831 16 20 422 478 643 704 572 650 873 956 21 25 477 547 738 808 647 746 1,004 1,099 26 30 518 632 854 934 704 864 1,163 1,270 31 35 643 737 993 1,082 877 1,008 1,354 1,474 36 40 710 867 1,161 1,260 968 1,186 1,585 1,716 41 45 793 1,015 1,352 1,459 1,088 1,390 1,845 1,987 46 50 1,002 1,209 1,590 1,701 1,376 1,656 2,169 2,316 51 55 1,094 1,394 1,824 1,942 1,502 1,909 2,487 2,643 56 60 1,341 1,769 2,167 2,235 1,840 2,420 2,952 3,039 61 65 1,826 2,429 2,508 2,495 3,304 3,407 66 70 2,527 2,798 3,137 3,447 3,801 4,255 Note: Premium rates for Occupation Class 3 & 4 are 1.25 & 1.5 times the premium for Occupation Class 1 & 2 respectively. Premium rates are based on standard risk and are subject to underwriting.

Exclusions We shall not pay for any hospitalisation or charges caused directly or indirectly, wholly or partly, by any one of the following events: 1. Pre-Existing Conditions. 2. Specified Illnesses occurring during the first 120 days of continuous cover. (a) Hypertension, diabetes mellitus and Cardiovascular disease. (b) All tumours, cancers, cysts, nodules, polyps, stones of the urinary system and biliary system. (c) All ear, nose (including sinuses) and throat conditions. (d) Hernias, haemorrhoids, fistulae, hydrocele, varicocele. (e) Endometriosis including disease of the Reproduction system. (f) Vertebro-spinal disorders (including disc) and knee conditions. 3. Any medical or physical conditions or any neonatal medical or physical conditions including birth trauma (a physical injury sustained by an infant during birth or the psychological shock experienced by an infant during birth) occurring within the first 30 days of the Life Assured s cover, date of reinstatement or date of birth whichever is latest. 4. Plastic/Cosmetic surgery, circumcision, eye examination, glasses and refraction or surgical correction of nearsightedness (Radial Keratotomy) and the use or acquisition of external prosthetic appliances or devices such as artificial limbs, hearing aids, implanted pacemakers and prescriptions thereof. 5. Dental conditions including dental treatment or oral surgery. 6. Private nursing (save and except for Home Nursing Care Benefit), rest cures or sanitaria care, illegal drugs, intoxication, sterilisation, venereal disease and its sequelae, Acquired Immune Deficiency Syndrome (AIDS) or AIDS Related Complex (ARC) and Human Immunodeficiency Virus (HIV) related diseases, and any communicable diseases requiring quarantine by law. 7. Any treatment or surgical operation for congenital abnormalities or deformities including hereditary conditions. 8. Pregnancy, child birth (including surgical delivery), miscarriage, abortion and prenatal or postnatal care and surgical, mechanical or chemical contraceptive methods of birth control or treatment pertaining to infertility. Erectile dysfunction and tests or treatment related to impotence or sterilisation. 9. Hospitalisation primarily for investigatory purposes, diagnosis, X-ray examination, general physical or medical examinations, not incidental to treatment or diagnosis of a Covered Illness or any treatment which is not Medically Necessary and any preventive treatments, preventive medicines or examinations carried out by a Doctor, and treatments specifically for weight reduction or gain. 10. Suicide, attempted suicide or intentionally self-inflicted injury while sane or insane. 11. 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.

12. Ionising radiation or contamination by radioactivity from any nuclear fuel or nuclear waste from process of nuclear fission or from any nuclear weapons material. 13. Expenses incurred for donation of any body organ by the Life Assured and costs of acquisition of the organ including all costs incurred by the donor during organ transplant and its complications. 14. 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, bonesetting, herbalist treatment, massage or aroma therapy or other alternative treatment. 15. 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 Covered Illness arising out of duties of employment or profession that is covered under a Workman's Compensation Insurance Contract. 16. Psychotic, mental or nervous disorders (including any neuroses and their physiological or psychosomatic manifestations). 17. 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. 18. Sickness or Injury arising from 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. 19. Private flying other than as a fare-paying passenger in any commercial scheduled airlines licensed to carry passengers over established routes. 20. Expenses incurred for sex changes. Note: This list is non-exhaustive. Please refer to the Policy Document for more details about the major exclusions under this policy. YOU SHOULD SATISFY YOURSELF THAT THIS PRODUCT WILL BEST SERVE YOUR NEEDS. YOU SHOULD READ AND UNDERSTAND THE INSURANCE POLICY AND DISCUSS WITH THE AGENT OR CONTACT THE INSURANCE COMPANY DIRECTLY FOR MORE INFORMATION. IT IS IMPORTANT THAT ANY RECEIPT THAT YOU RECEIVE SHOULD BE KEPT AS PROOF OF PAYMENT OF PREMIUMS.

Important Notes PRUmedic overseas is not a Shariah compliant product. This brochure is for illustrative purposes only. You are advised to refer to the Product Disclosure Sheet and Sales Illustration before purchasing a plan, and to refer to the terms and conditions in the policy document for details of the important features of the plan. You should assess the affordability and suitability of the product in relation to your financial goals and risk appetite. To achieve that, we recommend that you speak to your agent or Wealth Planner who will perform a needs analysis and assist you in making an informed decision. There is a free-look period of 15 days after the delivery of your policy to allow you to review if it meets your needs. If the policy (which PRUmedic overseas is attached to) is cancelled within this period, the value of units (at next pricing day) plus the unallocated premiums, service charge insurance charges and taxes (if any) less medical expenses will be refunded. Non-payment of premiums may cause your policy to lapse. If you cancel the policy (which PRUmedic overseas is attached to) in the early years, you may not be able to obtain the full value from the amount you have paid in. Upon surrender, the benefits under PRUmedic overseas will lapse. You must inform us of any change in your occupation, avocation or sports activities because it may affect the premiums, terms, conditions and benefits. PRUmedic overseas is guaranteed to be renewable but premium rates and/or insurance charges are not guaranteed. We reserve the right to revise the premium rates and/or insurance charges at policy anniversary by giving you a 30-day notice. Coverage to expiry age is subject to sufficient funds for insurance charges and service charges. Prudential Assurance Malaysia Berhad (PAMB) is an insurance company licensed under the Financial Services Act 2013 and is regulated by Bank Negara Malaysia. Prudential Assurance Malaysia Berhad Member of PIDM Prudential Assurance Malaysia Berhad (PAMB) is a member of Perbadanan Insurans Deposit Malaysia (PIDM). As a member of PIDM, some of the benefits insured under the insurance policies offered by PAMB are protected against loss of part or all of insurance benefits by PIDM, in the unlikely event of an insurer member failure. For further details of the protection limits and the scope of coverage, please obtain a PIDM information brochure from PAMB or visit PIDM website (www.pidm.gov.my) or call PIDM toll free line (1-800-88-1266).

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Prudential Assurance Malaysia Berhad (107655-U) Menara Prudential, 10 Jalan Sultan Ismail, 50250 Kuala Lumpur, Malaysia. Tel: 03-2116 0228 Fax: 03-2032 3939 Email: customer.mys@prudential.com.my www.prudential.com.my 07/18