How To Make Quotation

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

Prepared by:

Specially prepared for:

ARVINRAJ BATUMALAI

INA

PRUlink one

The value of the ILIP depends on the price of underlying units, which in turn depends on the performance of the fund(s) invested.

1. What is this product about?

Please read this Product Disclosure Sheet before you decide to take up PRUlink one. Be sure to also read the general terms and conditions. The information provided in this disclosure sheet is valid as at 22/04/2014.

PRUDENTIAL ASSURANCE MALAYSIA BERHAD Product Disclosure Sheet for PRUlink one

PRUlink one is a regular premium investment-linked insurance policy (ILIP). The basic plan offers a combination of insurance protection and investment. It pays a lump sum death benefit (i.e. the basic sum assured) and the value of the investment units should you suffer from TPD before age 70 or pass away. In addition to the basic plan, you can choose from a range of optional and add-on benefits to suit your budget and prevailing needs for other covers, subject to additional premium.

RM 1,400,000

RM 70,000

Medical Reimbursement

i) Annual limit on benefits payable

ii) Aggregate lifetime limit payable

Medical Reimbursement up to

ii) Outpatient Treatment Benefit

i) Hospital & Surgical Benefit

RM 200Room & Board Allowance

Medical Benefit (4) – PRUflexi med

As Charged

ii)Temporary Partial Disability

i)Temporary Total Disability

Early Critical Illness

NA

thththth(On 5 , 8 , 11 and 14 rider’s anniversary)

thththth

Disability Benefit NA

Auto Increase of Total and

NA

(On 5 , 8 , 11 and 14 rider’s anniversary)

Auto Increase of Death Benefit

Income

Lump sum

Surgical Procedure Benefit

NAiii) Confinement in government hospital

Amount Benefit

Payor Benefit

Hospitalisation Income Benefit

Hospital Confinement

ICU Confinement

Accidental Medical Reimbursement

Accidental Income

Accidental death/injury

Accidental Benefit

Critical Illness Benefit

Lump sum

Income

Income

Lump sum RM 80,000

Total & Permanent Disability Benefit

Death Benefit

Payor on life assured's life

Payor on spouse's life NA

NA

NA

NA

NA

2. What are the benefits provided?

RM 2,400 p.a.

RM 250 per day

RM 200 per day

Up to RM 5000 per surgery

Up to RM 20,000

RM 80,000 plus the total investment value

NA

RM 80,000

i) Annual limit on benefits payable NA

Medical Reimbursement at Panel Clinics up to

Medical Benefit - PRUclinic care

thth

ii) Day Surgery Benefit

NA

NA

NA

Medical Reimbursementi) Surgical, In-Hospital and Related Services Benefit

ICU Cash Benefit

Medical Benefit (3) – PRUmedic essential

Hospital Cash Benefit

Auto switch to coinsurance plan at age 55

Auto upgrade to next higher plan (on 5 and 10 rider's anniversary)

NA

Well-being benefit


i) Annual limits on benefits payable

Reimbursement up to


i) Hospital & Surgical Benefit


Medical Benefit (2) – PRUmedic overseas

NANo claims bonus

Medical Benefit (1) – PRUhealth

Amount Benefit

NA

Reimbursement up to i) Annual limit on benefits payable


i) Hospital and Surgical Benefit



Room & Board

NA

NA

NA

Up to RM2,000 per accident

NA

NA

NA

iii) Emergency Accidental Treatment Benefit (up to RM1,000 per accident)

NA

Reminder : Please refer to the sales illustration for more information about the benefits of the basic plan and its optional and add-on benefits, as well as the objectives of the investment-linked fund. It is important to select a plan or a combination of funds that suit your financial goals and risk profile.

: 0%PRUlink Asia equity fund: 0%PRUlink dragon peacock fund

: 0%PRUlink global market navigator fund

: 0%PRUlink Asia local bond fund

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

Global Funds

Fund invested:

PRUlink dana urus II : 0% : 0%PRUlink dana aman

: 0%PRUlink bond fundPRUlink dana unggul : 100%

PRUlink managed fund II : 0%: 0%PRUlink equity fund

Local Funds

3. How much premium do I have to pay?

The total premium that you have to pay and the policy terms may vary depending on the underwriting requirements of the insurance company. The estimated total premium that you have to pay is RM200.00 monthly. You are given one month's grace period after the due date for the payment of premium.

The insurance company allocates a portion of the premium to purchase units in the investment-linked fund(s). Any unallocated amount will be used to pay commissions to agent/ wealth planner and other expenses of the insurance company. You are advised to refer to the allocation rates given in the sales illustration.

Fund management charge levied will depend on the fund(s) invested. Details of fund management charge are given in the sales illustration.Top-up/ LifestyleTop-up incurs a one-off fee of RM25.

Service charge of RM5 is levied monthly. Fund switch fee is set at 1% subject to a maximum of RM50. Four free switches are allowed every year. There is no flexibility to switch fund if PRUlifestyle saver is attached and it has not expired.

Other fees and charges are as follows:

The insurance coverage charges are deducted monthly from the value of your units. The insurance charges will increase as you grow older. Details of the insurance charges for the ILIP are given in the sales illustration.

4. What are the fees and charges I have to pay?

30 days

120 days

All other illnesses

Specified illnessesMedical Benefit

- The ILIP will lapse when the value of investment units is insufficient to pay for the insurance and other charges.Policy lapse

- you may cancel your ILIP by returning the policy within 15 days after the policy has been delivered to you. The insurance company will refund to you the unallocated premiums, the value of units that have been allocated (if any) at unit price at the next valuation date and any insurance charge and other charges that have been deducted less any medical fee incurred.

Free-look period

- you must disclose all material facts such as medical condition and your occupation which would affect the risk profile and state your age correctly.Importance of disclosure

We may change the fees and charges above at policy anniversary by giving a 90-day notice to you (30 days for medical benefits and hospitalisation income benefits) except for Fund Management Charge that we may change it from time to time.

Cash value - the cash value of the ILIP depends on the performance of the investment-linked fund(s) invested. The higher the level of Insurance coverage selected, the more units will be absorbed to pay for the insurance charges and the fewer units will remain to accumulate cash values under your policy. You should consider whether the allocation of insurance premiums towards protection and investment meets your financial circumstances.

Note:

Waiting period (if applicable) –

Benefit Conditions Waiting Period

ImmediatelyHospitalisation due to accidents

ImmediatelyAll conditionsAccidental Benefit

30 days

Immediately

All other causes

Hospitalisation due to accidentsHospitalisation Income Benefit

60 days

90 days

Special Benefit

Low and medium severity illnessesEarly Critical Illness Benefit

30 days

60 days

All other illnesses

Heart attack, coronary artery disease and cancerCritical Illness & Payor Benefit

5. What are some of the key terms and conditions that I should be aware of?

All conditions 1 day from

commencement

date

Clinical Benefit ( PRUclinic care )Clinical Benefit ( PRUclinic care )

You will have to pay 10% of the total cost of an eligible benefit (excluding daily room & board), subject to minimum coinsurance amount of RM300 and maximum coinsurance amount of RM1,000 for Hospital & Surgical Benefit and maximum coinsurance amount of RM2,000 for Outpatient Treatment Benefit. We reserve the right to revise the minimum and maximum coinsurance amount at policy anniversary, by giving 30 day notice

(1) PRUhealth

Coinsurance/ deductible for medical benefits (if applicable)–

(3) PRUmedic essentialYou will have to pay 10% of the total cost of an eligible benefit (excluding Hospital & Intensive Care Unit Cash Benefits), subject to maximum coinsurance amount of RM1,000 per year. The Coinsurance is not applicable to treatments incurred during confinement in Government Hospital and treatment incurred after suffering from TPD or Critical Illness.

We will bear the total cost of an eligible benefit up to annual limit for treatment/ hospitalisation of covered conditions in Singapore, Hong Kong and China.

(2) PRUmedic overseas

(4) PRUflexi medWe will bear the total cost of an eligible benefit (excluding the cost of daily room & board) up to annual limit.

This policy does not cover pre-existing condition

(b) any traveling in an aircraft other than as a pilot or a member of a crew or a fare paying passenger in a commercial aircraft licensed for passenger service on scheduled flights over established routes only; or

(a) any attempted suicide or self-inflicted injury whether attempted/inflicted while sane or insane; or

Total and permanent disability benefit is not payable if the disability is directly or indirectly caused by

If it is a suicide within the first year from the commencement date of the policy or the date of policy revival, we shall pay the sum of value of units at the valuation date after the date of notification.

(c) any participation in any aerial sporting activities such as hang-gliding, ballooning, parachuting, sky-diving, bungee jumping and other such similar activities

6. What are the major exclusions under this policy?

Note: This list is non-exhaustive. Please refer to the policy contract for more details about the major exclusions under this policy.

Note: This list is non-exhaustive. Please refer to the policy contract for the full list of terms and conditions under this policy.

Buying a regular premium ILIP is a long-term commitment. It is not advisable to hold this policy for a short period of time in view of the high initial costs. If you find that the fund you have chosen is no longer appropriate, you have the flexibility to switch fund. You are allowed 4 switches per year without any fee. For additional switches, you may be charged a processing fee. You may cancel your policy by giving a written notice to the insurance company. Upon cancellation, you are entitled to receive the value of the investment units.

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

It is important that you inform us of any change in your contact details to ensure that all correspondences reach you in a timely manner.

7. Can I cancel my policy?

10. Other similar types of plan available

9. Where can I get further information?

Should you require additional information about investment-linked insurance and medical & health insurance, please refer to the booklet on ‘Investment-Linked Insurance’ and ‘Medical & Health Insurance’, available at all our branches or you can obtain a copy from your insurance agent/ wealth planner or visit . If you have any enquiries, please contact us at:

Prudential Assurance Malaysia BerhadMenara Prudential, 10 Jalan Sultan Ismail,50250 Kuala Lumpur, Malaysia.Tel: 03-2031 8228 Fax: 03-2032 3939E-mail: [email protected]

Please ask your insurer/agent/wealth planner for other similar types of plans offered by the insurer.

insuranceinfo

www.insuranceinfo.com.my

IMPORTANT NOTE:THIS IS AN INSURANCE PRODUCT THAT IS TIED TO THE PERFORMANCE OF THE UNDERLYING ASSETS, AND IS NOT A PURE INVESTMENT PRODUCT SUCH AS UNIT TRUSTS. YOU MUST EVALUATE YOUR OPTIONS CAREFULLY AND SATISFY YOURSELF THAT THE INVESTMENT-LINKED INSURANCE PLAN CHOSEN MEET YOUR RISK APPETITE, AND THAT YOU CAN AFFORD THE PREMIUM THROUGHOUT THE POLICY DURATION. TO INCREASE INVESTMENT VALUE AT ANY TIME, IT IS ADVISABLE THAT YOU PAY THE ADDITIONAL PREMIUMS AS ‘TOP UPS’. RETURN ON AN INVESTMENT-LINKED FUND IS NOT GUARANTEED. YOU SHOULD READ AND UNDERSTAND THE INSURANCE POLICY AND DISCUSS WITH THE AGENT OR CONTACT THE INSURANCE COMPANY DIRECTLY FOR MORE INFORMATION. IT IS IMPORTANT THAT ANY RECEIPT THAT YOU RECEIVE SHOULD BE KEPT AS PROOF OF PAYMENT OF PREMIUMS.

Life Assured's Details

Name

Age next birthday

Occupation class

: ARVINRAJ BATUMALAI

: 26

: Male

: No

: Class 1

Total Premium

Payment frequencyPayment mode

: Monthly

: RM 200.00

: Credit Card

: Class 1

: No

: Male

: 26

Smoking status

Gender

Date of birth : 30/11/1988

Plan Type : Investment-linked Insurance

Details

PRUDENTIAL ASSURANCE MALAYSIA BERHADSales Illustration for PRUlink one

: 0%PRUlink Asia equity fund (ASF)

: 0%PRUlink dragon peacock fund (DPF)

: 0%PRUlink global market navigator fund (GMN)

: 0%PRUlink Asia local bond fund (ALB)

: 0%PRUlink Asia managed fund (AMF)

: 0%PRUlink Asia property securities fund (APS)

Global Funds

PRUlink dana urus II (HM2) : 0% : 0%PRUlink dana aman (HF)

: 0%PRUlink bond fund (PF)

PRUlink dana unggul (HE) : 100%

PRUlink managed fund II (PM2) : 0%: 0%PRUlink equity fund (PE)

Local Funds

Fund invested:

Premium (RM)Sum Assured (RM)Term (Years)PlanAccounts

65.04Total Basic Unit Account Premium

Benefits:

(A)Total Basic Unit Account Premium

PRUlink one 74 80,000 41.44Crisis Shield 74 80,000 20.80PRUacci guard 44 20,000 2.80

Basic Unit Account:

Protection Unit Account : PRUacci med 44 2,000 3.39PRUflexi med (R&B Allowance/Annual Limit) 44 200/70,000

Deductible:090.88

PRUmed 44 2 Unit(s) 16.66Hospital Benefit 44 3 Unit(s) 12.51Enhanced PRUpayor basic 74 2,400 p.a. 11.52

Total Protection Unit Account Premium 134.96(B)

Total Premium 200.00 (A+B)

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

INA EA110000

SQS - Agency ver 4.9.0.2Version :

Presented by :22 Apr, 2014Date:

Page 1 of 16

IMPORTANT:

1. You should read this illustration together with the fund fact sheet(s) of the investment-linked fund(s) which you have chosen. The fund fact sheet contains all the important information that you will need to know regarding the investment-linked fund(s).

3. Since only 40% of the Annual Premium for the first policy year is allocated towards the purchase of units, while top-up allocates 95% of the amount towards purchasing units, you can maximise your investment value by maintaining sufficient premium to meet your insurance benefits and increasing your top-ups.

4. Therefore, if your purchase involves a premium of sizeable amount say RM5,000 and above, you should consider purchasing single premium investment-linked policy (rather than a regular premium policy) as single premium plans offer better allocation rates for investment.

5. Your investment-linked policy will terminate if there are insufficient units in your fund to pay the required charges. Your units could be insufficient over the years due to: a) Poor investment return b) Premium holiday - i.e. if you stop paying premiums for a long period of time. c) High insurance charges if you buy a lot of optional and add-on benefits, and especially if the charges are increasing over time as you get older.

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.

WARNING:

YOUR INSURANCE CHARGES WILL INCREASE AS YOU GET OLDER. IN THE LATER YEARS, IT IS POSSIBLE THAT THE ACCUMULATEDFUND VALUE IS NOT ENOUGH TO PAY FOR YOUR INSURANCE CHARGES DUE TO POOR INVESTMENT RETURNS, WHICH WILL RESULT IN YOUR POLICY BEING CANCELLED. YOU MAY NEED TO INCREASE YOUR PREMIUMS OR REDUCE THE LEVEL OF INSURANCE PROTECTION, IF YOU WANT TO MAINTAIN YOUR POLICY*.

* You should ask your insurance agent/ wealth planner to explain to you about the insurance charges and its effect on your future insurance coverage.

6. The choice of funds selected should be based on, among others, your tolerance to risk. Please seek advice from your insurance agent/ wealth planner or insurance company on your tolerance to risk.

SUMMARY ILLUSTRATION:

Minimum Annual Premium Required : RM 1,200Minimum Top-ups allowed : RM 500

2. For more information about the benefits of the basic plan and its optional and add-on benefits, as well as the objective of each investment-linked 2. For more information about the benefits of the basic plan and its optional and add-on benefits, as well as the objective of each investment-linked fund, please refer to Appendix at the end of this sales illustration. fund, please refer to Appendix at the end of this sales illustration.

1. The summary illustration

neither guaranteed nor based on the past performance.They are

and not meant to show possible returns of your chosen investment fund(s).

to show the movements of possible cash flows

2. The projected investment returns used below are

based on illustration below.of fees and charges on cash values

for illustrative purposes

in the following pages is intended

3. Actual returns of the fund will fluctuate (i.e. rise or fall) each year based on the past performance of the assets of the fund invests in. The actual returns may even be below the projected rates or negative.

and the impact for the investment

INA EA110000



Page 2 of 16

ProjectedInvestment

Return(X%)

ProjectedInvestment

Return(X%)

TotalPremium

Outlay(RM)

Endof

PolicyYear

Age

PremiumPaid at theBeginningYear (RM) Projected

InvestmentReturn(Y%)

Protection Unit Account CashValue (RM)

ProjectedInvestment

Return(X%)

ProjectedInvestment

Return(Y%)

Basic Unit Account CashValue (RM)

Investment Unit AccountCash Value (RM)

No ClaimsBonus

Credited

Summary Illustration

LoyaltyBonus

Credited

1 27 2,400 2,400 0 110 106 14 14 0 0 02 28 2,400 4,800 0 303 286 112 107 0 0 03 29 2,400 7,200 0 585 540 377 357 0 0 04 30 2,400 9,600 0 962 867 810 752 0 0 05 31 2,400 12,000 0 1,515 1,342 1,589 1,454 0 0 06 32 2,400 14,400 0 2,103 1,815 2,398 2,137 0 0 07 33 2,400 16,800 0 2,806 2,363 3,408 2,963 0 0 08 34 2,400 19,200 0 3,552 2,909 4,463 3,770 0 0 09 35 2,400 21,600 0 4,345 3,452 5,567 4,556 0 0 0

10 36 2,400 24,000 120 5,225 4,032 6,803 5,405 0 0 011 37 2,400 26,400 0 6,120 4,568 8,020 6,153 0 0 012 38 2,400 28,800 0 7,068 5,098 9,296 6,881 0 0 013 39 2,400 31,200 120 8,109 5,660 10,711 7,666 0 0 014 40 2,400 33,600 0 9,168 6,172 12,111 8,343 0 0 015 41 2,400 36,000 0 10,277 6,663 13,580 8,997 0 0 016 42 2,400 38,400 120 11,468 7,165 15,190 9,696 0 0 017 43 2,400 40,800 0 12,665 7,594 16,769 10,260 0 0 018 44 2,400 43,200 0 13,902 7,985 18,394 10,766 0 0 019 45 2,400 45,600 120 15,214 8,370 20,146 11,292 0 0 020 46 2,400 48,000 0 16,524 8,667 21,868 11,675 0 0 021 47 2,400 50,400 0 17,408 8,912 23,023 11,984 0 0 022 48 2,400 52,800 120 18,305 9,136 24,214 12,286 0 0 023 49 2,400 55,200 0 19,134 9,259 25,277 12,415 0 0 024 50 2,400 57,600 0 19,921 9,307 26,277 12,442 0 0 025 51 2,400 60,000 120 20,695 9,312 27,300 12,453 0 0 026 52 2,400 62,400 0 21,375 9,195 28,197 12,297 0 0 027 53 2,400 64,800 0 21,991 8,988 29,017 12,031 0 0 028 54 2,400 67,200 120 22,583 8,732 29,820 11,716 0 0 029 55 2,400 69,600 0 23,072 8,351 30,437 11,185 0 0 030 56 2,400 72,000 0 23,480 7,869 30,936 10,512 0 0 0

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

ProjectedInvestment

Return(Y%)

INA EA110000



Page 3 of 16

TotalDeath

Benefit^(RM)

+

**The amount is guaranteed payable as long as the policy is in force and there are positive values in the BUA, PUA and IUA. Please see column under Total Cash Value.

The Death Sum Assured and Total Death Benefit illustrated are not inclusive of PRUlife income’s sum assured. If PRUlife income is attached, its sum assured will be payable as yearly income for 20 years.

^ Provided no critical illness claim has been made * Only applicable for Projected Investment Return (X%) as the policy has ceased to be in-force under Projected Investment Return (Y%). Only applicable if PRUlifestyle saver is selected.

1 27 80,000 80,000 124 80,124 120 80,1202 28 80,000 80,000 415 80,415 393 80,3933 29 80,000 80,000 962 80,962 897 80,8974 30 80,000 80,000 1,772 81,772 1,619 81,6195 31 80,000 80,000 3,104 83,104 2,796 82,7966 32 80,000 80,000 4,501 84,501 3,952 83,9527 33 80,000 80,000 6,214 86,214 5,326 85,3268 34 80,000 80,000 8,015 88,015 6,679 86,6799 35 80,000 80,000 9,912 89,912 8,008 88,008

10 36 80,000 80,000 12,028 92,028 9,437 89,43711 37 80,000 80,000 14,140 94,140 10,721 90,72112 38 80,000 80,000 16,364 96,364 11,979 91,97913 39 80,000 80,000 18,820 98,820 13,326 93,32614 40 80,000 80,000 21,279 101,279 14,515 94,51515 41 80,000 80,000 23,857 103,857 15,660 95,66016 42 80,000 80,000 26,658 106,658 16,861 96,86117 43 80,000 80,000 29,434 109,434 17,854 97,85418 44 80,000 80,000 32,296 112,296 18,751 98,75119 45 80,000 80,000 35,360 115,360 19,662 99,66220 46 80,000 80,000 38,392 118,392 20,342 100,34221 47 80,000 80,000 40,431 120,431 20,896 100,89622 48 80,000 80,000 42,519 122,519 21,422 101,42223 49 80,000 80,000 44,411 124,411 21,674 101,67424 50 80,000 80,000 46,198 126,198 21,749 101,74925 51 80,000 80,000 47,995 127,995 21,765 101,76526 52 80,000 80,000 49,572 129,572 21,492 101,49227 53 80,000 80,000 51,008 131,008 21,019 101,01928 54 80,000 80,000 52,403 132,403 20,448 100,44829 55 80,000 80,000 53,509 133,509 19,536 99,53630 56 80,000 80,000 54,416 134,416 18,381 98,381

TotalCashValue(RM)

TotalCashValue(RM)

Non-GuaranteedGuaranteed**

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

Summary Illustration (Continue)

TotalDeath

Benefit^(RM)

Projected Investment Return (Y%)

AgeEnd ofPolicyYear Critical Illness Sum

Assured (RM)Death Sum

Assured^ (RM)

Projected Investment Return (X%)

INA EA110000



Page 4 of 16

Endof

PolicyYear

Age

Annual Charges (RM)

1 27 312 648 N/A 1,440 100 1 100 1 389 291 60 7202 28 390 810 N/A 1,200 100 4 100 4 468 301 60 8403 29 468 972 N/A 960 100 11 100 10 468 312 60 4804 30 546 1,134 N/A 720 100 21 100 19 481 321 60 6005 31 702 1,458 N/A 240 100 37 100 34 488 342 60 3606 32 702 1,458 N/A 240 100 58 100 51 507 348 60 3607 33 780 1,620 N/A 0 100 81 100 70 526 356 60 08 34 780 1,620 N/A 0 100 107 100 91 545 364 60 09 35 780 1,620 N/A 0 100 135 100 111 564 372 60 0

10 36 780 1,620 N/A 0 100 164 100 131 582 380 60 011 37 780 1,620 N/A 0 100 196 100 152 601 389 60 012 38 780 1,620 N/A 0 100 229 100 171 620 400 60 013 39 780 1,620 N/A 0 100 263 100 190 639 418 60 014 40 780 1,620 N/A 0 101 301 101 210 657 440 60 015 41 780 1,620 N/A 0 107 338 107 227 676 463 60 016 42 780 1,620 N/A 0 119 378 119 244 703 493 60 017 43 780 1,620 N/A 0 134 420 134 261 740 532 60 018 44 780 1,620 N/A 0 150 462 150 275 777 578 60 019 45 780 1,620 N/A 0 170 506 170 288 814 630 60 020 46 780 1,620 N/A 0 192 552 192 301 851 685 60 021 47 780 1,620 N/A 0 216 591 216 310 895 744 60 022 48 780 1,620 N/A 0 245 621 245 317 951 809 60 023 49 780 1,620 N/A 0 276 651 276 324 1,007 880 60 024 50 780 1,620 N/A 0 311 679 311 326 1,065 963 60 025 51 780 1,620 N/A 0 350 705 350 326 1,126 1,042 60 026 52 780 1,620 N/A 0 394 731 394 325 1,192 1,099 60 027 53 780 1,620 N/A 0 442 753 442 319 1,268 1,175 60 028 54 780 1,620 N/A 0 496 773 496 310 1,347 1,257 60 029 55 780 1,620 N/A 0 555 793 555 300 1,432 1,334 60 030 56 780 1,620 N/A 0 621 808 621 284 1,518 1,420 60 0

IUA

DirectDistr.Cost(RM)

MedicalBenefit

InsuranceCharge(RM)

PUABUA

OtherOptional& Add-onBenefit(s)InsuranceCharge(RM)

Projected InvestmentReturn X%

OtherCharges

(RM)Basic

InsuranceCharge(RM)

Cost directly attributed to the distribution channel for the sale/ marketing of this policy, i.e. payments to agent/ wealth planner. This cost is paid from the charges that are imposed on your policy for services that the agent/ wealth planner will provide to you for the duration of your policy. The agent/ wealth planner may also entitle to production and persistency bonus during the first three years of the policy provided that the agent/ wealth planner meets the qualifying criteria set by insurer.

This represents a charge to your premium and is used to meet the direct distribution cost and company's expenses.

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

FundMgmt

Charge(RM)

1 2

1

2

Summary Illustration (Continue)

BasicInsuranceCharge(RM)

FundMgmt

Charge(RM)

Projected InvestmentReturn Y%

Allocated Premium (RM)

UnallocatedPremium

(RM)

INA EA110000



Page 5 of 16

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

10.Allocated Premium

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

Policy Year

BUA & PUA premium

Allocated Premium

IUA Premium

Allocated Premium

%

RM

%

RM

1

1,200

40%

480

2 3 4 5 & 6 7 & above

1,200 1,200 1,200 1,200 1,200

50% 60% 70% 90% 100%

600 720 840 1080 1200

600 600 600 600 600 600

95% 95% 95% 95% 95% 95%

570 570 570 570 570 570

11. Unallocated Premium

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

Example:

Notes:

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

4. Investment Unit Account (IUA) Cash Value

3. Protection Unit Account (PUA) Cash Value

2. Basic Unit Account (BUA) Cash Value

1. Premium Paid

The PUA cash value is the balance unit value of all past allocated Add-On Benefits premium and loyalty bonus** credited, less charges levied.

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

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

5. Death Sum Assured

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

6. Critical Illness Sum Assured

7. Total Cash Value

•The rate of projection of benefits below assumes current law, tax, charges and investment returns (per annum).•The Cash Value for the BUA, PUA and IUA after Year 20 of the policy are projected at a different Projected Investment Return rate.

•This amount comprises Sum Assured of the Basic Assurance, PRUlife growth, Crisis Shield Plus (if applicable) and the Cash Value of Basic Unit Account, Protection Unit Account and Investment Unit Account which will be payable upon your death.

9. Projected Investment Return

8. Total Death Benefit

4%5.0%7%Bond Fund

Investment-linked Funds

•The X% and Y% returns above have been used respectively to represent the range of possible returns of Investment-linked funds. The illustrated returns are net after deduction of fund tax and the annual fund management charge.•It is emphasised that the X% and Y% assumptions are only for the purposes of illustration and do not represent the upper and lower limit of the actual rate that may occur.•Please refer to Appendix for for more information on the past actual annual investment returns of the investment-linked funds.

3%

2%

5.5%

6.0%

8%

9%

Managed Fund

Equity Fund

All YearsAfter 20 yearsFirst 20 years

Projected Investment Return (Y%)

Projected Investment Return (X%)

Projected Investment Return (X%)Type of Fund

The IUA is the balance unit value of all past allocated PRUsaver premium, and no claims bonus*** credited.

**Loyalty bonus : We will credit 5% of annualised premium (excluding premiums for top-ups and PRUsaver/ premium) into units upon completion of the 10 policy year and every 3 years thereafter if you consistently pay your premium on a timely manner, subject to terms and conditions stipulated in your policy document.

***No claims bonus (if PRUhealth is attached): The projected cash value assumes no medical claims are made from PRUhealth . Note that if you make a claim from PRUhealth, the projected cash value will be lower than illustrated.

th

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

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

INA EA110000



Page 6 of 16

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

• Medical benefit insurance charge include insurance charge for• Medical benefit insurance charge include insurance charge for PRUhealth or PRUflexi med, PRUclinic care (if any), PRUannual limit

waiver (if any), PRUmedic overseas (if any), PRUmedic auto upgrade (if any), PRUmedic essential (if any) and PRUmedic retirement (if any).

PRUhealth or PRUflexi med, PRUclinic care (if any), PRUannual limit

• include service charge, administration charge and guarantee charge. (if it applies).

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

Other Charges

Fund Management Charge

Investment-link Funds

This is an investment-linked policy and the insurance charges may increase according to age. According to the benefits that you have purchased, the total insurance charges charged will be more than the premium paid for that year at the age of 51.

13. Total Cost of Insurance More Than Premium Paid

• refers to the annual management fee (% of investment-linked fund) deducted to cover cost of managing investment fund. Please refer to Appendix for for more information about the fund management charge for the investment-link funds

• These charges are taken out of your investment-linked fund(s).

INA EA110000



Page 7 of 16

Appendix: Investment-linked FundsThe investment-linked funds below are managed by the investment team of Eastspring Investments Berhad (formerly known as Prudential Fund Management Berhad).

PRUlink bond fund (PF) (Bond fund):

This fund is a managed fund that seeks to maximise returns over medium to long term. This is achieved by investing in shares and fixed interest securities through PRUlink equity fund and PRUlink bond fund and in any other PRUlink funds that may become available in the future. The allocation of the PRUlink managed fund II is set to 80% PRUlink equity fund and 20% PRUlink bond fund.

PRUlink managed fund II (PM2) (Managed fund):This fund aims to maximise returns over medium to long term by investing in high quality shares listed on the Bursa Malaysia.PRUlink equity fund (PE) (Equity fund):

This fund aims to maximise returns over medium to long term by investing in high quality Syariah-approved shares listed on the Bursa Malaysia.

PRUlink Asia property securities fund is an actively managed fund that seeks to maximise income and long-term returns. This is achieved by investing in listed Real Estate Investment Trusts (REITS) and property related securities of companies, which are incorporated, listed or have their area of primary activity in the Asia Pacific region including Japan, Australia and New Zealand. The fund may also invest in depository receipts, debt securities convertible into common shares, preference shares and warrants and through any other PRUlink global funds that may be become available in the future or indirectly via sub funds managed by Eastspring Investments (Singapore) Limited or any other fund manager to be determined from time to time.

PRUlink Asia property securities fund (APF) (Equity fund):

This fund is a managed fund that seeks to maximise returns over medium to long term. This is achieved by investing in Syariah-approved shares and Islamic debt securities through PRUlink dana unggul and PRUlink dana aman and in any other such PRUlink Funds that may become available in the future. The allocation of the PRUlink dana urus II is set to 80% PRUlink dana unggul and 20% PRUlink dana aman.

PRUlink dana urus II (HM2) (Managed fund):

PRUlink dana unggul (HE) (Equity fund):

This fund aims to provide medium to long term accumulation of capital, by investing in selected fixed interest securities, corporate bonds deposits and fixed deposits.

Investment Objective

PRUlink dana aman (HF) (Bond fund):This fund aims to provide medium to long term accumulation of capital by investing in selected Islamic debt securities.

PRUlink Asia managed fund (AMF) (Managed fund):PRUlink Asia managed fund is an actively managed fund that seeks to maximise returns over medium to long term. This is achieved by investing directly in shares, fixed interest securities and money market instruments in the Asia Pacific ex Japan region and through any other PRUlink global funds that may be become available in the future or indirectly via sub funds managed by Eastspring Investments (Singapore) Limited or any other fund manager to be determined from time to time.

PRUlink Asia local bond fund is an actively managed fund that aims to maximise total returns through investing in fixed income or debt securities that are rated as well as unrated. At inception, PRUlink Asia local bond fund will invest in a sub-fund called Eastspring Investments – Asian Local Bond Fund managed by Eastspring Investments (Singapore) Limited. This Sub-Fund invests in a diversified portfolio consisting primarily of fixed income/debt securities issued by Asian entities or their subsidiaries. This Sub-Fund’s portfolio primarily consists of securities denominated in the various Asian currencies. The fund may also invest in any other PRUlink bond funds that may become available in the future or indirectly via other bond funds.

PRUlink Asia local bond fund (ALB) (Bond fund):

PRUlink global market navigator fund is an actively managed fund that aims to achieve positive absolute returns over the medium-term through the implementation of an actively managed asset allocation strategy in a diversified range of global assets including cash, equities, bonds and currencies. Exposure to each asset classes will be primarily through exchange traded funds, index futures, direct equity and bonds, swaps, options and foreign exchange forwards, each of which may be traded through recognised exchanges or via the over-the-counter markets. The use of derivatives is for efficient portfolio management to gain access to the markets efficiently in a cost effective manner. At inception, PRUlink global market navigator fund will invest in a sub-fund called Eastspring Investments – Global Market Navigator Fund managed by Eastspring Investments (Singapore) Limited. The fund may then invest in any other PRUlink absolute return funds that may become available in the future or indirectly via other absolute return funds.

PRUlink global market navigator fund (GMN) (Managed fund):

PRUlink dragon peacock fund is a fund that aims to maximize long-term total return by investing primarily in equity and equity related instruments of corporations, which are incorporated in, or listed in, or operating principally from, or carrying on significant business in, or derive substantial revenue from, or whose subsidiaries, related or associated corporations derive substantial revenue from the People’s Republic of China (PRC) and India. At inception, PRUlink dragon peacock fund will invest in a sub-fund called Eastspring Investments – Dragon Peacock Fund managed by Eastspring Investments (Singapore) Limited. The investments of the Sub-Fund include, but are not limited to, listed securities in the Recognised Markets, depository receipts including American Depository Receipts (ADRs) and Global Depository Receipts (GDRs), debt securities convertible into common shares, preference shares and warrants. The fund may invest in any other funds or sub funds managed by Eastspring Investments (Singapore) Limited or any other fund managers to be determined from time to time.

PRUlink dragon peacock fund (DPF) (Equity fund):

PRUlink Asia equity fund (ASF) (Equity fund):PRUlink Asia equity fund is a fund that aims to maximize long-term total return by investing in equity and equity-related securities of companies, which are incorporated, or have their area of primary activity in Asia Pacific ex-Japan. The Asia Pacific ex-Japan region includes but is not limited to the following countries: Korea, Taiwan, Hong Kong, Philippines, Thailand, Malaysia, Singapore, Indonesia, PRC, India, Pakistan, Australia and New Zealand. The fund may also invest in depository receipts [including American Depository Receipts (ADRs) and Global Depository Receipts (GDRs)], debt securities convertible into common shares, preference shares and warrants.

Date: 22 Apr, 2014Presented by :

Version : SQS - Agency ver 4.9.0.2

INA EA110000

Page 8 of 16

*Fund Performance is from fund launch date until year end of the same year (non- annualised return).

PRUlink equity fund (PE)BenchmarkPRUlink managed fund II (PM2)BenchmarkPRUlink bond fund (PF)BenchmarkPRUlink dana unggul (HE)BenchmarkPRUlink dana urus II (HM2)BenchmarkPRUlink dana aman (HF)BenchmarkPRUlink Asia property securities fund (APS)BenchmarkPRUlink Asia managed fund (AMF)BenchmarkPRUlink Asia local bond fund (ALB)BenchmarkPRUlink global market navigator fund (GMN)BenchmarkPRUlink dragon peacock fund (DPF)BenchmarkPRUlink Asia equity fund (ASF)Benchmark

The benchmarks used for each funds are:

Fund Management Charge (FMC)

Historical Actual Annual Returns of the Funds Compared with the selected benchmarks

PE & PGE FTSE Bursa Malaysia Top 100PM2 & PGM 80% FBMT100 + 20% Maybank 12 month Tier 1 Fixed Deposit RatePF & PGB Maybank 12 month Tier 1 Fixed Deposit RateHE FTSE Bursa Malaysia Emas Shariah IndexHM2 80% FTSE Bursa Malaysia Emas Shariah Index + 20% 12 month Maybank Tier 1 Fixed Deposit RateHF Maybank 12 month Tier 1 Fixed Deposit RateAPS MSCI AC Asia Pacific REIT**AMF 70% MSCI Asia ex Japan Index + 30% JP Morgan Asia Credit IndexALB HSBC Customised Index CompositeGMN Maybank 12 month Tier 1 Fixed Deposit RateDPF 50% MSCI China Index +50% MSCI India IndexASF MSCI Asia ex Japan Index

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

20132012

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

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

20112010

• Unit pricing is done daily.• Unit price is calculated based on the market value of the underlying assets of the fund, divided by the number of units issued.• The investment-linked funds do not pay any dividend. All investment incomes and capital gains are automatically rolled up in its unit price.• Unit price is the single price at which units are created and cancelled.

Units are created and/or cancelled at the next pricing date following receipt of premium or notification of claim/withdrawal. Forward Pricing

Unit Pricing

The investment charge will be deducted at each Valuation Date.

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

Local Funds FMC Global Funds FMC1.5%1.35%1.0%1.15%*1.5%1.5%

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

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

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

** The benchmark of PRUlink Asia property securities fund will be changed from "MSCI AC Asia Pacific REIT" to "GPR - Customized Asia Pac (Ex-Japan) Property Index" effective from 2 January 2013. The performance of the new benchmark will be tracked thereafter.

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

2009

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



INA EA110000

Page 9 of 16

PRUlink one

Appendix: Death and Total & Permanent Disability Benefit

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

Exclusions

Plan Description & Benefits

Other Policy Conditions

Total and Permanent Disability

Conditions:

In the event of total and permanent disability before age 70, one lump sum payable under all policies with us on any one life is up to RM1 million. Any excess will be paid on the anniversary of the disability subject to proof of continued disability. Upon earlier death, the balance shall be payable. The maximum payable under all policies on any one life is RM4 million plus bonuses (if any).

Total and permanent disability shall means: -while aged sixteen (16) years but below the age of sixty-one (61) years(a) becomes permanently and completely unable to engage in any occupation and is permanently and completely unable to perform any work for remuneration or profit; or (b) totally and irrecoverably loses sight in both eyes; or(c) totally and irrecoverably loses by severance one limb each at or above his wrist and ankle, or two limbs at or above his wrist or ankle; or(d) totally and irrecoverably loses sight in one eye and totally and irrecoverably loses by severance one limb at or above the wrist or ankle.

-while aged sixty one (61) years but below the age of seventy (70) years, the Life assured/Assured/Spouse shall mean confirmation by a Consultant Physician of the loss of independent existence lasting for a minimum period of 6 months and resulting in a permanent inability to perform at least three (3) of the following Activities of Daily Living either with or without the use of mechanical equipment, special devices or other aids and adaptations in use for disabled persons. For the purpose of this benefit, the word "permanent", shall mean beyond the hope of recovery with current medical knowledge and technology.(a) Transfer(b) Dressing (c) Mobility (d) Bathing/Washing (e) Eating (f) Continence

Death

If it is a suicide within the first year from the commencement date of the policy or date of policy revival, we shall pay the sum of value of units at the valuation date after the date of notification.

Total & Permanent Disability

No benefit is paid if the disability is directly or indirectly caused bya) any attempted suicide or self-inflicted injury whether attempted/inflicted while sane or insane; orb) any traveling in an aircraft other than as a pilot or a member of a crew or a fare paying passenger in a commercial aircraft licensed for passenger service on scheduled flights over established routes only; orc) any participation in any aerial sporting activities such as hang-gliding, ballooning, parachuting, sky-diving, bungee jumping and other such similar activities

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



INA EA110000

Page 10 of 16

Plan Description & Benefits

Crisis Shield, Enhanced PRUpayor basic

Appendix: Critical Illness and Payors Benefit

Crisis Shield pays the sum assured upon diagnosis of a critical illness. Benefit paid will reduce the PRUlink one sum assured respectively.

Enhanced PRUpayor basic pays an annual benefit equal to PRUlink one premium (except PRUlifestyle saver & PRUsaver premium) upon diagnosis of a critical illness or total and permanent disability before age 70.

Conditions:

Critical Illnesses

A total of 36 critical illnesses are covered under the Critical Illness and Payor Benefits:

30) Paralysis 31) Parkinson's Disease32) Poliomyelitis33) Primary Pulmonary Arterial Hypertension34) Stroke35) Surgery to Aorta36) SLE with Lupus Nephritis

21) Loss of Independent Existence22) Major Burns23) Major Head Trauma24) Major Organ Transplant25) Medullary Cystic Disease26) Meningitis27) Motor Neurone Disease 28) Multiple Sclerosis29) Muscular Dystrophy

11) Chronic Lung Disease12) Coma13) Coronary Artery Disease14) Deafness15) Encephalitis16) Fulminant Viral Hepatitis17) Heart Attack18) Heart Valve Replacement19) Kidney Failure20) Loss of Speech

1) AIDS2) Aplastic Anaemia3) Appalic Syndrome4) Alzheimer's Disease5) Benign Brain Tumour 6) Blindness7) Brain Surgery8) Cancer9) Cardiomyopathy 10) Chronic Liver Disease

For conditions for Death and Total & Permanent Disability, please refer to Appendix for Death and Total & Permanent Disability Benefit.

Exclusions

Critical Illness

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

a) Waiting Period


b) Non-guaranteed Premium/Insurance Charge

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

Appendix for Death and Total & Permanent DisabilityFor exclusion of Death and Total & Permanent Disability, please refer to

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



INA EA110000

Page 11 of 16

Appendix: Accidental BenefitPRUacci guard, PRUacci med

Plan descriptionPRUacci guard pays the sum assured on death or total and permanent disability due to accident and a percentage of the sum assured on disablement due to accident. In addition, the rider also pays compassionate benefit upon death.

PRUacci med reimburses the actual expenses incurred for medical treatment, hospital confinement or nursing services up to the sum assured within 104 weeks from date of accident. It also reimburses the actual expenses incurred for traditional & complementary treatment incurred within 90 days from date of accident. In addition, it also pays overseas companion allowance and prosthesis/wheelchair allowance.

Loss of finger

Loss of two limbs

Loss of thumbLoss of four fingers Loss of four fingers and thumb Loss of speechLoss of lens of one eyeLoss of all sight in one eye except perception of lightLoss of all sight in one eyeLoss of leg at or above ankle

Loss of all sight in both eyesLoss of both hands or of all fingers and both thumbs

Loss of hand at or above wrist

Total, Permanent and Irreversible:-

Total & Permanent DisabilityDeath of life assured

Benefit *Accidental Death & Disablement Benefit TableAmount/% of SumAssured

a) Natural death b) Accidental death c) Accidental death in overseas

Accident benefits are not paid as a consequence of:(a) war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power, direct participation in riot, strike or civil commotion;(b) violation or attempted violation of the law or resistance to arrest;(c) attempted suicide or self-inflicted injuries while sane or insane;(d) pregnancy, childbirth, miscarriage or any complications;(e) pre-existing physical or mental defect or infirmity;(f) alcoholic intoxication;(g) engaging in or taking part in professional sports, scuba diving, racing of any kind, aerial flights (including bungee jumping, hang-gliding, ballooning, parachuting and sky-diving) other than as a crew member of or as a fare-paying passenger on a licensed passenger- carrying commercial aircraft operating on a regular scheduled route or any hazardous activities or sports, unless agreed to by special endorsement;(h) narcotic or drug unless taken as prescribed by a qualified registered medical practitioner;

% of Sum Assured

100%100%

100%

50%50%

100%100%100%

100%100%

70%

10%

3%

50%

-both phalanges-one phalanx

-one phalanxLoss of metacarpals

Loss of all toes on one foot

30%40%

-two phalanges-three phalanges

Fractured leg or patella with established non-union

5%2%

15%

6%

15%

3%2%

5%7.5%

Shortening of leg by at least 2.5 cmLoss of hearing

Loss of other toe, each

Loss of great toe

-both ears-one ear

-one phalanx-both phalanges

-third, fourth or fifth (additional) -first or second (additional)

-one ear-both ears

Loss of whole ear

75%7.5%

2%10%

15%

Reimburse actual expenses incurred for medical treatment , hospital confinement or nursing services up to the sum assured

Benefits

Exclusions

a) Return airfare incurred to visit life assured who is hospitalised overseas for at least 10 days to one of the immediate family.b) One-way airfare to Malaysia for the life assured’s return immediately following such hospitalisation.

RM 2,000RM 4,000RM 6,000

ii) Accidental Death & Disablement Benefit*

Up to 100%

2 times the amount under (ii) will be payable for accidents occurring while life assured: a) was traveling in any mechanically propelled public conveyance; orb) was in an elevator car (excluding elevator in mines and construction sites);orc) was in the public building which is burning at the commencement of the fire

Up to 200%

Up to RM 2000 peraccident

a) Traditional & Complementary Treatment (Max RM 300 per accident, subject to RM 1500 per lifetime)

Up to RM 30 per day

Reimbursement of reasonable costs of purchasing wheelchair if life assured becomes permanently paraplegic and/or artificial limb

vii) Accidental Income

a)Temporary Total Disability

b)Temporary Partial Disabilityc)Confinement in government hospital

NA

NA

NA

Up to RM 1000

Up to RM 1000

i)Compassionate Benefit

iii) Double Indemnity

iv) Reimbursement of Medical Expenses

v) Overseas Companion Allowance

vi) Prosthesis/ Wheelchair Allowance

Reimburse:

Other Policy Conditionsi) Change in Occupation, Avocation & Sports: You must inform us if there is any change of occupation, business or personal pursuit because it may affect the premiums, terms, conditions and benefits of the products.ii) Non-guaranteed Premium/Insurance Charge: We reserve the right to increase the premium/insurance charge at policy anniversary by giving 90 days written notice.



INA EA110000

Page 12 of 16

Appendix: Medical Benefit PRUflexi medPlan DescriptionPRUflexi med pay the benefit according to the selected benefits below in the event of hospitalisation or outpatient treatment due to illness or injury.

RM1,400,000RM70,000

RM1,400

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

Hospital & Surgical Benefits

k) Emergency Treatment For Accidental Injury (Annual Limit)

Emergency Medical Assistance

b) Intensive Care Unit / High Dependency Unit (60 days per year) c) Surgical d) In-hospital & Related Services

e) Pre-hospitalisation Treatment (within 90 days before hospitalisation) f) Post-hospitalisation Treatment (within 90 days after hospital discharge) g) Home Nursing Care (180 days per life-time) h) Day Surgery i) Cancer Treatment j) Kidney Dialysis

Lifetime Limit Overall Annual Limit

Yes

f) Post-hospitalisation Treatment BenefitReimburse actual charges for follow-up treatment performed within 90 days after hospital discharge for the medical condition for which hospitalisation was required. This shall include the medicines prescribed during follow up treatment but shall not exceed the supply needed for the maximum 90 days.

g) Home Nursing Care Benefit

k) Emergency Treatment for Accidental Injury Benefit

d) In-hospital & Related Services BenefitReimburse actual charges incurred for the following services provided during hospital confinement:•Prescribed drugs and medicine for in-hospital use.•Dressing, splints, plaster casts, implants, external appliances and devices required by the life assured as an in-patient.•Diagnostic and/or investigation tests such as ECG, Scans, laboratory tests, etc. •Food and beverages (including food and lodging charged by the hospital for an adult accompanying an insured child aged 15 or below.•Ambulance service to a hospital•Specialist and/or physician fees for in-hospital consultation and treatments.•Intravenous infusions, blood and plasma by-products.•Other ancillary medical services and supplies, excluding private in-hospital nursing care. •Service tax

Reimburse actual charges for any medically necessary surgical procedure performed at a hospital. These include pre-and post surgical care.

c) Surgical Benefit

(b) Specified Illnesses occurring during the first 120 days of continuous cover.

(1)Hypertension, diabetes mellitus and cardiovascular disease.(2)All tumours, cancers, cysts, nodules, polyps, stones of the urinary system and bilary system. (3)All ear, nose (including sinuses) and throat conditions. (4)Hernias, haemorrhoids, fistulae, hydrocele, varicocele(5)Endometriosis including disease of the Reproduction system.(6)Vertebro-spinal disorders (including disc) and knee conditions

Reimburse actual charges for emergency out-patient treatment of an accidental injury at any registered clinic or Hospital within 48 hours and its follow-up treatment, for up to 30 days from the actual date of accident.

Reimburse actual charges for continued nursing care by a registered nurse in a home (on recommendation of the attending doctor) for continued treatment of the medical condition for which hospitalisation was required.

Reimburse actual charges for any medically necessary surgical procedure performed in a day-surgery unit of a hospital where a life assured both arrives and returns home on the day of procedure.

h) Day Surgery Benefit

Reimburse actual charges for out-patient treatment of cancer after hospital discharge. These include charges for radiotherapy and chemotherapy but excluding consultation, examination tests and take home drugs.

i) Cancer Treatment Benefit

Reimburse actual charges for out-patient kidney dialysis treatment performed at a registered dialysis centre or a hospital. These exclude consultation, examination and take home drugs.

j) Kidney Dialysis Benefit

Benefits

a) Hospital Daily Room & Board AllowanceReimburse actual room & board charges (subject to daily limit of the chosen room & board allowance amount for PRUflexi med) made by a hospital during a hospital confinement, for up to 120 days per year. Any remaining amount of room & board allowance above the actual room & board charges will be paid to the policyholder. Any amount paid for this benefit will not reduce the Overall Annual Limit or Lifetime Limit.

Reimburse actual changes made by a hospital for confinement in intensive care unit or high dependency unit, for up to 60 days per year.

b) Intensive Care Unit / High Dependency Unit

(a) Pre-existing conditions.

Any medical or physical conditions arising within the first 30 days of the Life Assured’s cover or date reinstatement whichever is latest except for accidental injuries sustained.

(c)

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

(d) 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

(e)

(f)

(g)

(h)

Any treatment or surgical operation for congenital abnormalities or deformities including hereditary conditions.

Private nursing (save and except for Home Nursing Care Benefits), rest cures or sanitaria care, illegal drugs, intoxication, sterilization, venereal disease and its sequelae, AIDS (Acquired Immune Deficiency Syndrome) or ARC (AIDS Related Complex) and HIV related diseases, and any communicable diseases required quarantine by law.

Out-patient Treatment Benefits

As Charged

Benefit Benefit Amount (RM)

As Charged

Reimburse actual charges for treatment, consultation, investigation and/or diagnostic tests performed within 90 days prior to hospital admission date, for a medical condition for which hospitalisation was required.

e) Pre-hospitalisation Treatment Benefit

such as artificial limbs, hearing aids, implanted pacemakers and prescriptions thereof.

Dental conditions including dental treatment or oral surgery except as necessitated by Accidental Injuries to sound natural teeth occurring wholly during the Period of Insurance.

Exclusions

Medical benefits are not paid as a consequence of :

RM200



INA EA110000

Page 13 of 16

(j)

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.

(k)

(l)

(o) Care or treatment for which payment is not required or to the extent which is payable by any other insurance or indemnity covering the Insured and Disabilities arising out of duties of employment or profession that is covered under a Workman's Compensation Insurance Contract.

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.

Private flying other than as a fare-paying passenger in any commercial scheduled airlines licensed to carry passengers over established routes.

(q)

Expenses incurred for sex changes.

(i) Hospitalisation primarily for investigatory purposes, diagnosis, X-ray examination, general physical or medical examinations, not incidental to treatment or diagnosis of a covered Disability or any treatment which is not Medically Necessary and any preventive treatments, preventive medicines or examinations carried out by a Physician, and treatments specifically for weight reduction or gain.

(t)

(p)

PRUflexi medi) Deductible :

(n)Investigation and treatment of sleep and snoring disorders, hormone replacement therapy and alternative therapy such as treatment, medical

to infertility. Erectile dysfunction and tests or treatment related to impotence or sterilization.

Ionising radiation or contamination by radioactivity from any nuclear fuel or nuclear waste from process of nuclear fission or from any nuclear weapons material.

(m)

service or supplies including but not limited to chiropractic services, acupuncture, acupressure, reflexology, bone setting, herbalist treatment, massage or aroma therapy or other alternative treatment.

Psychotic, mental or nervous disorders, (including any neuroses and their physiological or psychosomatic manifestations).

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.

(s)

(r)

Suicide, attempted suicide or intentionally self-inflicted injury while sane or insane.


Expenses incurred for donation of any body organ by a Life Assured and costs of acquisition of the organ including all costs incurred by the donor during organ transplant and its complications.

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

giving 30 days notice.

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



INA EA110000

Page 14 of 16

Appendix: Hospitalisation Income Benefit

PRUmed, Hospital Benefit

Plan Description

PRUmed pays fixed cash payment for hospital confinement, intensive care unit confinement and surgical procedure due to illness or injurybefore age 70.

Hospital Benefit (HB) pays daily cash benefit in the event of hospitalisation due to illness or injury before age 70.

Up to RM 5000 per surgery

Hospitalisation Income Benefits are not paid as a consequence of:

RM 25000

30 days200 per day

100 days

Exclusions

War, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power, direct participation in riot, strike or civil commotion.

(h)

(f) Any treatment or test in connection with AIDS , the presence of HIV infection and all sexually transmitted diseases.

Treatment of mental illness and psychiatric disorders, self-inflicted injury while sane or insane, attempted suicide, abuse of alcohol and drug addiction and abuse.

(e)

Any violation or attempted violation of the law or resistance to arrest.(i)(j) Any illness or condition (no matter when arising) in respect of which medical advice or treatment was received or recommended by a medical

practitioner within the 2 years preceding the issue date and which was not disclosed in the application for the contract.

Treatment or procedures relating to pregnancy or childbirth.(c)(d) Tests or treatment related to infertility, contraception, sterilisation, birth defects, congenital illnesses, hereditary conditions, circumcision or any

abortion performed due to psychological or social reasons and consequence.

(a) Routine medical examinations or consultations.

Any injury or sickness arising from professional sports, scuba diving, racing of any kind, aerial flights (including bungee jumping, hang-gliding, ballooning, parachuting and sky-diving) other than as a crew member of or as a fare - paying passenger on a licensed passenger - carrying commercial aircraft operating on a regular scheduled route or any hazardous activities or sports, unless agreed to by special endorsement.

(g)

(b) Cosmetic or plastic surgery, dental care and treatment, organ and tissue donation, gender transformations or exploratory or experimental surgery or any abortion performed due to procedures other than medical procedures necessitated by accidental injury, surgery or illness.

The cost of undergoing a surgical procedure is not limited to the cost of the medical practitioner performing the procedure. The costs include related costs such as medication, theatre fees, anaesthetics and so on. This benefit is aimed at a level commensurate with these costs and when added to the hospital benefit, gives an amount appropriate to the costs incurred in total. Every surgical procedure has been rated according to the severity of cost of the procedure. A lump sum benefit is paid depending on the rating of the procedure. The lowest severity rating is 1 and the highest is 7. Please refer to your policy document for list of procedures covered and their severity ratings

250 per day

2. Intensive Care Benefit

This amount is paid in addition of Hospitalisation Benefit as confinement in Intensive Care Unit costs significantly more than a normal hospital stay.

1. Hospitalisation Benefit

Daily hospitalisation benefit aimed at covering expenses incurred when hospitalized. This includes accommodation and related costs.

Maximum Payable Per PolicyYear

Benefit Benefit Amount (RM)

3. Surgical Procedure Benefit

Benefits


i) Waiting Period: Cover begins immediately on acceptance, for hospitalisation caused by accidents but it only begins 30 days after acceptance for any other causes.

ii) Change in Occupation, Avocation & Sports: You must inform us if there is any change of occupation, business or personal pursuits because it may affect the premiums, terms, conditions and benefits of the products.

iii) Non-guaranteed Premium/Insurance Charge: We reserve the right to increase the premium/insurance charge policy anniversary by giving 30 days written notice.



INA EA110000

Page 15 of 16

Appendix: Other Policy Benefits and Options

Benefits• Maturity and Surrender Benefit

At maturity or upon surrendering, this policy will pay the value of units.

You may stop paying the recommended premium but the benefits above will continue as long as there are units in the plan to pay insurance charge and other charge. The charges will be deducted from the account through cancellation of units, subject to consent given by you. If units within the accounts are exhausted, these charges may be deducted through cancellation of units of certain selected accounts. Therefore, depending on the amount of units available in these selected accounts, benefits of the plan may lapse and cease to be in force at different points of time.

• Non-forfeiture Option:

You may increase the sum assured without increasing the regular premium and vise versa (if applicable).

• Option to Vary Sum Assured and policy terms:

Withdrawals can be made at any time in terms of number of units or fixed monetary amount through cancellation of units

• Withdrawals:

Top-ups can be made at any time. The minimum amount required for top-ups is RM500. Top-up incurs a one-off top-up fee of RM25.

• Top-ups:

You may revise the proportion of your regular premium (in multiple of 5%) you want to invest and may also revise your choice of investment-linked fund, provided that PRUlifestyle saver is not attached.

• Premium Re-direction:

• Fund switching:If you find that the fund you have chosen is no longer appropriate, you have the flexibility to switch fund at anytime, provided PRUlifestyle saver is not attached. You are allowed 4 free switches per year without any fee. Any subsequent switches within the year, you will be charged a processing fee of 1%, subject to maximum of RM50. Units can be switched between investment-linked funds at any time. Switching is not allowed during the accumulation period and payout period of PRUlifestyle saver, unless it is performed by us in its sole and absolute discretion.

Options

Top-ups can be made at any time. The minimum amount required for top-ups is RM500. Top-up incurs a one-off top-up fee of RM25.



INA EA110000

Page 16 of 16

How To Make Quotation

Documents

Transcript of How To Make Quotation