Our Product

1.PRUlink one Everyone goes through different phases in life. So do you. Priorities continue to change throughout your life... so how do you manage this ever-changing cycle? -A fresh graduate yearns for independence – to join the work force and buying their very first insurance policy. -A newly married couple faces new commitments such as financing a new home, a progressing career and entertaining the thought of starting a family. -Parents with children on the other hand want nothing else but protection for their children whilst ensuring that they have solid savings for the continuity of their children’s future. -Upon reaching their golden years, retirees wishes for nothing more than their good health whilst looking for smart investment opportunity. That’s where PRUlink one comes in – a plan that helps you do what you want at different stages of your life… giving you complete protection throughnew and innovative medical and accident benefits plus a combination of local and global investment opportunities right at your fingertips! What's more, PRUlink one also lets you enjoy loyalty bonus** when you do not miss any of your payments! So why wait any longer? You can look forward to experiencing every worthwhile moment in life - having absolutely no worries whilst being able to enjoy every little reward that comes your way with PRUlink one. * Attachment of optional benefits are subject to underwriting & additional premium ** Subject to terms and conditions. Benefits COMPREHENSIVE MEDICAL OPTIONS Not only does PRUhealth reward you with No Claims Bonus (NCB), you now have a choice of deductible (the fixed amount you must pay out of the total medical fees, except cost of daily room & board for any one disability during a 90-day period) of RM3,000 and RM10,000 other than the default coinsurance option. You can then continue to build your PRUhealth plan with these new benefits: PRUmedic overseas2: In addition to comprehensive coverage for hospitalisation and surgical expenses under your PRUhealth plan, you now have the option of obtaining overseas medical treatment for 5 types of covered conditions in Singapore, Hong Kong and China. PRUmedic auto upgrade2:  With this new option, your plan will be upgraded to the next benefit level on the 5th and 10th year rider benefit anniversary regardless of your health condition and any previous medical claims you may have made. This upgrade will follow the policy terms and conditions at the start or as and when it is attached to your PRUhealth plan. PRUmedic retirement2: Focus on the more important things in life when you reach your golden years with this benefit. Switch your PRUhealth plan's deductible amount (portion you pay out of the total medical fees, excluding cost of daily room & board) automatically to coinsurance, with effect from policy anniversary upon attaining age 55 next birthday.Not only will it make your plan more affordable, it also gives you coverage when you need it the most – your retirement. For further details please refer to the PRUhealth product brochure. ENHANCED ACCIDENT BENEFITS for extra protection Let the new and enhanced accident benefits give you that additional coverage with: PRUacci guard: Should you be involved in an accident, you will be covered with Compassionate Allowance Accidental Death & Disablement Benefit Double indemnity or double the benefit if the accident occurs when you travel in public transport, in an elevator (excluding elevators in mines and construction sites) or is in a burning theatre, hotel or public building. PRUacci med: For injuries caused by accidents, the following expenses are amongst a few that will be reimbursed Medical treatment, hospital confinement or nursing services Medical expenses to treat an injury caused by an accident by a Traditional and Complementary Medicine Practitioner (a licensed acupuncturist / herbalist / bonesetter / chiropractor) Return air ticket for one immediate family member to visit you if admitted to an overseas hospital for 10 days or more, and a one-way ticket for you to return to Malaysia immediately after hospitalisation Reimbursement of reasonable cost of purchasing a wheelchair if you become permanently paraplegic or artificial limb (prosthesis) PRUacci income: If you are admitted to hospital, you will receive  Weekly income of RM100 and RM50 for Temporary Total Disablement and Temporary Partial Disablement respectively Daily income of RM50 a day when admitted to a Malaysian government hospital BROADER INVESTMENT OPPORTUNITIES through LOCAL and GLOBAL FUNDS Have the flexibility to build a healthy investment fund for potentially higher returns over the long term by choosing to invest in any of the PRUlink andPRUlink global funds. For further details, please refer to the PRUlink and PRUlink global Fund Fact Sheet attached with this brochure. LOYALTY BONUS3 for being a long-term customer At Prudential, we want to reward our customers who pay their premium on a timely basis by giving 5% of annualised premium (excluding premiums for top-ups and PRUsaver) upon completion of the 10th policy year and every 3 years thereafter. FLEXIBILITY, CONVENIENCE and CONTROL over your plan PRUlink one gives you control and flexibility to vary and customise your protection and investment needs to suit all stages of your life! Don’t hesitate and speak with your friendly Prudential Wealth Planner whenever your circumstances or needs have changed. What do I get? PRUlink one is a comprehensive, all-in-one regular premium investment-linked insurance plan that provides protection together with local and overseas investment opportunities that can cater to your changing needs at different stages of your life. Health & Medical Covers Get peace of mind with comprehensive medical coverage for expenses incurred in the event of hospitalisation via the PRUhealth plan. To further enhance your medical protection, you can now attach these new optional benefits: PRUmedic overseas PRUmedic auto upgrade PRUmedic retirement For further details on the new optional medical benefits above, please refer to the PRUhealth product brochure. Accident Covers Get comprehensive coverage for death and injuries due to accident. New and enhanced PRUacci guard (PAG), PRUacci med (PAM) and PRUacci income (PAI) will help elevate your worries from the accident so that you can recover from your injuries without any unwanted distraction. Critical Illness Covers Takes care of you in the event you are diagnosed with a critical illness such as Multiple Crisis Protector, Crisis Shield and Crisis Shield Plus. Waiver Covers Waives your premium in the event of death (if applicable), disability or critical illness. Payor Covers Pays for your plan in the event of death (if applicable), disability or critical illness on behalf of the payor of the plan be it yourself or your spouse. Disability Covers Takes care of you in the event of any disability by helping you cover your expenses though annual payouts on each subsequent policy anniversary prior to the age of 70 years. Female Illness Covers Tailor-made coverage especially for women. How much do i pay? First, determine your protection needs, such as your basic cover and other optional benefits. Then decide on an affordable amount to set aside every month. With PRUlink one, you can start securing your future for as little as RM100 a month (subject to underwriting, excluding premiums paid forPRUsaver and subject to policy terms & conditions). Who can sign up? Anyone between the ages of 19 – 70 years on their next birthday can take up the plan.

2.PRUmy child

As a parent, you know that your children deserve the very best. You want to give your child a head start in life by giving them the best protection and securing their education future. Finding this balance between protection and education, however, can be challenging, especially with the unpredictable nature of life and the rising costs of higher education. Prudential now offers PRUmy child, the first-of-its-kind-plan that offers coverage during the crucial pregnancy and infancy periods, compared to most conventional child plans that leaves the child without any protection during the early stages of infancy. Additionally, certain congenital abnormalities may not be covered under regular juvenile plans. With PRUmy child, parents can now be rest assured that their baby will be well protected, even before they are born! How then, do you safeguard your child’s education future? With PRUmy child, you can take charge AND guarantee* your child’s education fund as early as possible. You may also reap potentially higher returns over the long term by investing in any of the PRUlink or PRUlink education funds. No other plan balances protection and education more comprehensively than the PRUmy child plan - an innovative plan that combines investment, protection and flexible features. Take time to focus on what is truly important – your child. * With attachment of PRUedusaver to the plan.

Benefits

• COMPLETE PROTECTION for every stage in your child’s life… even BEFORE BIRTH. PRUmy child gives you control and flexibility to design a complete plan for your child with an unparalleled choice of protection benefits ranging from health, hospitalization, accidental and critical illness benefits.

• ENHANCE your child’s plan with a NEW & EXENDED range of covers*

Aiming to give you peace of mind when it comes to your child’s needs, the new PRUearly start and PRUbest start benefit under this plan offers your child protection during the crucial pregnancy and infancy periods under the Pregnancy Care Benefit and Child Care Benefit. You can further secure your child’s wellbeing with the new PRUessential child that offers coverage against child specific illnesses such as leukaemia, severe juvenile rheumatoid arthritis and epilepsy (for full listing, please refer to the policy document). * Subject to additional premium

• ADDITIONAL PROTECTION for PARENTS

Have peace of mind by making sure the child is continuously protected even when something unforeseen happens to the parents with the new PRUterm (Parent), Crisis Cover Plus (Parent), PRUfamily income, PRUfamily double income and Parent Payor benefits.

* Subject to terms and conditions.

• Planting the seeds towards a SECURE EDUCATION FUND for your child

Will you be prepared when your child is ready for higher education? With PRUsaver kid or PRUedusaver, you can start building your child’s education fund and reap the potential of higher returns through our series of PRUlink or PRUlink education funds. You can opt to receive the payout for your child’s education when they are entering higher tertiary institution anytime between the age of 18 – 25 years next birthday.

What do I get?

• PRUmy child is a regular premium investment-linked insurance plan that serves to fulfill the protection needs of you and your child, allowing you to plan ahead for their future… today. In addition to the basic death and disability coverage, you can choose from a range of add-on covers to suit your budget and child's prevailing needs:

Critical Illness Covers

• Takes care of your child in the event they are diagnosed with critical illness, including child-specific illnesses under the new PRUessential child1 rider that covers them up to the age of 25 years next birthday.

Income Cover

• With the new PRUfamily income and PRUfamily double income, the benefit will pay a monthly income to help with everyday living expenses to the family in the event the child’s parent(s) suffers from TPD prior to age 70, passes away or is diagnosed with a critical illness.

Payor Covers

• Pays for your plan in the event of death (if applicable), TPD before age 70 or critical illness.

Parent Covers

• With the new PRUterm (Parent) and Crisis Cover Plus (Parent), the benefit will pay out a lump sum to the Legal Personal Representative of the Assured in the event that the insured parent suffers from TPD before age 70, passes away or is diagnosed with a critical illness (if applicable).

Accident Covers

• Comprehensive coverage for injuries due to accident.

How much do I pay?

Minimum premium per year PRUmy child RM600* PRUsaver kid RM120 PRUedusaver RM600 (subject to 5 times the premium of the basic PRUmy child plan)

Note: PRUsaver kid and PRUedusaver cannot co-exist within the same plan.

* Subject to underwriting.

Who can sign up? You can take up this plan for your unborn child as early as 18 weeks into your pregnancy*, or for your child who is between 1 – 18 years of age on his / her next birthday. The parent, who must be between 18 – 60 years old, owns the policy and is able to adapt it as they see fit for the benefit of the child. * If you do not wish to enjoy the Child Care Benefit / Pregnancy Care Benefit, you may opt to purchase PRUmy child after your child is born 3.PRUhealth Most of us realise the importance of having a medical plan to safeguard ourselves against unexpected and costly major medical bills. More often than not, we pay our premiums every year without fail for round-the-clock protection. However, not all of us make a claim each and every year. What if you can now purchase a plan that rewards you with yearly bonuses of up to RM500 when you do not make a claim, whilst you continue to enjoy peace of mind through the comprehensive health and medical coverage? Introducing PRUhealth a regular premium medical rider that: Gives you bonuses when you are healthy Takes care of your medical bills when you are not You will also be issued a PRUassist card, giving you access to 24-hour, worldwide, Emergency Medical Assistance. What do I get? COMPREHENSIVE coverage for hospitalisation and surgery bills NO CLAIMS BONUS Option to SEEK MEDICAL TREATMENT OVERSEAS* AUTOMATIC UPGRADE OPTION of your PRUhealth plan* CHOICE to CHANGE your coinsurance option An option to WAIVE the annual claims limit* CHOICE of plans to suit your budget Coverage of up to age 100 You can select a plan of your choice: Note: Coinsurance is a cost-sharing arrangement under which the policyholder pays a specified percentage of the cost of an eligible benefit. If coinsurance is selected, policyholder will have to pay 10% of cost of an eligible benefit, 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. The remaining balance is paid by the Company up to the annual limit. On the other hand, deductible is a fixed amount the policyholder must first pay regardless of the total cost of an eligible benefit (excluding cost of daily room & board) for any one disability during a 90-day period. If deductible of RM3,000 or RM10,000 is selected, policyholder will have to pay the first RM3,000 or RM10,000 of the total cost of an eligible benefit (excluding cost of daily room & board). The remaining balance is paid by the Company up to annual limit. ** PRUhealth 500 and PRUhealth 600 are only available when PRUmedic auto upgrade is attached to PRUhealth 300 and PRUhealth 400 plans. This benefit cannot co-exist with PRUannual limit waiver. How much do I pay? The premium that you pay for a PRUhealth plan is determined by your age, occupation class and plan type, subject to underwriting. To find out more You can take up PRUhealth when you purchase PRUlink one or PRUmy child policies.