Designed For Your Medical Needs. - Prudential .my

Designed for yourmedical needs.PRUMy Medical PlusProtection InsuranceListening . Understanding. Delivering.

WITH THE RISING MEDICAL COSTS IN MALAYSIA,ARE YOU FINANCIALLYPREPARED FOR MEDICALEMERGENCIES?People often take good health for granted, assuming that if anything goes wrong, it will beyears in the future. That is, until the day comes, and they find themselves burdened withhefty medical bills they’re unprepared for. The simple fact is that nobody ever thinks theyneed medical insurance until they do.This is especially true today, as medical costs are rising every year. Malaysia’s healthcareinflation rate is one of the highest in Asia1, and many people – especially the youngergeneration – have to cope with rising costs as they age.AT PRUDENTIAL, WE CARE,AND WE ARE HERE TO -see-soaring-healthcare-cost/

WHAT YOU FACERising Costof LivingInflexible MedicalInsurance PlansAn UncertainFutureWHAT YOU NEEDAffordabilityFlexibilityProtection upto age 100With costs of living risingacross the board, you need aninsurance plan that is comfortablyaffordable while offering youoptimal medical coverage.No two people are the same –so why should your medical planbe the same as everyone else’s?What you need is a customisableplan to suit your unique needs.Ideally, medical insurance shouldcontinue to cover you years downthe line when you’re older andyour health declines. Choosea plan that offers a sufficientthresholdforcomprehensivemedical coverage up to age 100,subject to terms and conditions2.This product comes with Extension of Coverage Term to extend the term of basic plan and rider(s) (ifapplicable) up to the Policy Anniversary of Life Assured’s age 100 or the rider’s maximum coverageterm, whichever is earlier. Unless you request to disable the Extension of Coverage Term, your policywill be auto extended as long as it has sufficient value of units to be deducted to pay for the relevantcharges, fees and taxes during the extended term. To ensure sufficient value of units, additionalpremium is likely required during the extended term.2

INTRODUCING PRUMy Medical PlusPRUMy Medical Plus is a comprehensive solution using PRUWith You as the basic plan.PRUMy Medical Plus can provide you with long term coverage to meet your protection needs.With PRUMy Medical Plus, you have the flexibility to choose the medical plan that suits yourunique needs – from a basic medical coverage that rewards you for staying healthy, to highmedical coverage that will safeguard you from rising medical costs in the years to come.WHATEVER YOUR NEEDS ARE,WE HAVE THE RIGHT SOLUTION FOR YOUPRUValue MedPRUMillion MedPRUHealthValue for MoneyHigh Annual LimitsNo Claims BonusThese medical plans are non-cancellable, meaning you can rest easy knowing that you willcontinue to be covered even though your health condition may change, as long as the policyremains in-force.HOW DO I KNOW WHICH MEDICAL PLAN BEST SUITS ME?Our medical plans are unique, each giving you different levels of coverage and benefits, soyou can decide what suits you best. Below are some of the key benefits that you should lookfor in your medical plan.WHAT IS MY DAILY ROOM & BOARD ENTITLEMENT?Each medical plan comes with Room & Board options for you to choose from. The dailybenefit covers the daily room charges as billed by the hospital for the cost of accomodation,meals and general nursing care when you are admitted.PRUValue MedPRUMillion MedPRUHealthRM150, RM200,RM300, RM400, RM500or RM600 dailyRM200, RM250,RM300, RM400 orRM500 dailyRM100, RM150,RM200, RM300 orRM400 daily

WHAT IS MY TOTAL MEDICAL COVERAGE UNDER THE PLAN?Many medical insurance plans set an annual limit – the Ringgit limit on the yearly claims forthe covered benefits; as well as a lifetime limit – the maximum Ringgit amount for the totalbenefits that the medical plan will pay during the individual’s lifetime.PRUValue MedPRUMillion MedPRUHealthNO annual limitHIGH annual limit of upto RM1.98 millionAnnual limit of up toRM150,000NO lifetime limitNO lifetime limitLifetime limit ofup to RM1.56 millionPRUValue Med gives you unlimited coverage to cover you continuously throughout the years.However, when your accumulated claims paid exceeds the Med Value Point (RM1 million,1.5 million or 2 million), you pay 20% of the excess eligible cost. Choose PRUValue Med with theMed Saver option, where you pay a fixed amount equivalent to Med Saver selected (i.e., RM300,RM1,000, RM3,000, RM5,000 or RM10,000) per disability to enjoy savings in your premium.WHAT OTHER BENEFITS CAN I GET WITH MY PLAN?Contrary to popular belief, medical insurance does not just cover you when you are admittedinto the hospital. All 3 of our medical plans also cover the following outpatient treatments,so you have the option of recuperating in the comfort and privacy of your own mentDaySurgeryEach medical plan also comes with unique value-added benefits that are truly designed tosuit your needs.PRUValue MedPRUMillion ntDengue FeverTreatmentNo Claims Bonus rewards youfor staying healthySo, don’t put it off any longer – get covered with PRUMy Medical Plus today!

For more information, visit our website at www.prudential.com.my or contactone of our friendly Prudential Wealth Planners. We’re always here to help.Important Notes and Disclaimer: PRUMy Medical Plus is a solution offered by our product, PRUWith You as its basic plan attached with medicalrider. This solution is underwritten by Prudential Assurance Malaysia Berhad (“PAMB”) 198301012262(107655-U), which is licensed under the Financial Services Act 2013 and is regulated by Bank Negara Malaysia. PRUMy Medical Plus consists of components that can be bought separately, and you are not obligated toselect all components of this package. Buying life insurance is a long-term financial commitment. You should satisfy yourself that the policy(including riders) will best serve your needs and that the premium payable under the policy is an amountthat you can afford. To achieve this, we recommend that you speak to your Prudential Wealth Planner whowill perform a needs analysis and assist you in making an informed decision. You may also contact theinsurance company directly for more information. The cost of insurance charged for Medical and Health Insurance (MHI) riders are illustrated in Prudential’scorporate website. This leaflet contains only a brief description of the product and is not exhaustive. You are advised to referto the PRUWith You Product Disclosure Sheet, Product Illustration, Fund Fact Sheet(s) and the insuranceinfobooklet on Life Insurance, Investment-Linked Insurance, Personal Accident Insurance and Medical andHealth Insurance before purchasing a policy, and to refer to the terms and conditions in the policy documentfor details of the features and benefits, exclusions and waiting periods under the policy. There is a free-look period of 15 days after the date of delivery of the policy to allow you to review if it meetsyour needs. If the policy is cancelled within this period, we will refund you the value of units (at the nextpricing date) plus the premiums that are not invested, charges (such as insurance charges, service charges,processing charges, and any other charges, where applicable), and taxes (if any) that we have deducted lessmedical expenses (if any) that we may have already paid or agreed to pay. Assuming a male, aged 20 years, non-smoker purchases a PRUMy Medical Plus policy with Basic Sum AssuredRM100,000, Total Multi Crisis Care RM100,000, Acci Guard Plus RM100,000, Acci Med Plus RM5,000, AcciIncome Plus 3 units, PRUValue Med RM1,000,000 R&B RM200 with Med Saver RM300 and Payor Basic,policy term up to age 70 with auto-extension, 100% managed fund, with monthly premium paymentthrough credit card, the estimated total premium payable:Total premium payable based oncoverage term up to age 70To improve your policy sustainability up to age 100Alternative 1Alternative 2We advise you to continue paying We advise you to continue payingthe total premium payable during the total premium payable duringthe extended term.the extended term.RM231.00 monthlyOn top of that, additional RegularPremium Top-up of RM192.00monthly is recommended fromage 20 up to end of Extensionof Coverage Term.On top of that, additional RegularPremium Top-up of RM2,534.00monthly is recommended fromage 70 up to end of Extensionof Coverage Term.Notes:-The premiums are not guaranteed and may vary in the future depending on the actual investment return,premium payment, policy benefits and charges. You may refer to the annual statement for the recommendedRegular Premium Top-up amount, which is updated yearly, to improve policy sustainability up to the extendedterm (based on Alternative 1 above), and may consider topping up your premiums from time to time toimprove the sustainability of your policy. We shall notify you at least 90 days prior to the Extension of CoverageTerm if there is any additional premium required during the extended term.-Age stated in the above table refers to Life Assured’s age at Policy Anniversary.-Please refer to Product Disclosure Sheet for more details.

PRUWith You and its attachable riders (if any) are not Shariah-compliant products. You can surrender the policy at any time. However, if you terminate the policy in the early years, you may get backless than the amount you have paid in. Upon surrender, a surrender value will be payable and all the benefitsunder this plan will be terminated. Any age references shall be on the basis of Age Next Birthday. If there is any conflict or inconsistency between the English language, Malay language and Chinese languageversions of this leaflet, the English language version of this leaflet shall prevail and be given effect to.PLEASE NOTE THAT THIS IS AN INSURANCE PRODUCT THAT IS TIED TO THE PERFORMANCE OF THEUNDERLYING ASSETS, AND IS NOT A PURE INVESTMENT PRODUCT SUCH AS UNIT TRUSTS.Prudential Assurance Malaysia BerhadMember of PIDMPrudential Assurance Malaysia Berhad 198301012262 (107655-U)Level 20, Menara Prudential, Persiaran TRX Barat,55188 Tun Razak Exchange, Kuala Lumpur, Malaysia.Tel: 03-2771 0228, 03-2116 0228Email: customer.mys@prudential.com.myWebsite: www.prudential.com.my09/2021Prudential 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 byPAMB are protected against loss of part or all of insurance benefits by PIDM, in the unlikely event ofan insurer member failure. For further details of the protection limits and the scope of coverage, pleaseobtain a PIDM information brochure from PAMB or visit PIDM website (www.pidm.gov.my) or call PIDMtoll-free line (1-800-88-1266).

RM100,000, Total Multi Crisis Care RM100,000, Acci Guard Plus RM100,000, Acci Med Plus RM5,000, Acci Income Plus 3 units, Value Med PRU RM1,000,000 R&B RM200 with Med Saver RM300 and Payor Basic, policy term up to age 70 with auto-extension, 100% managed fund, with monthly premium payment