YONG PAIK CHEW

4-1-1 LEBUH BATU MAUNG 8

BATU MAUNG
11960 BAYAN LEPAS PULAU PINANG
MALAYSIA

Date : 18-07-2022
Ref : ILPRPRC_0001_001/NL01

Dear Sir/Madam,

Policy Number : 00446241

Life Assured : TEH YU HEN
Assured : YONG PAIK CHEW
Subject : PRUValue Med New Insurance Charges and Premium

Thank you for choosing PRUValue Med as your health and medical
protection solution. Payment Arrangement
Healthcare costs have been consistently rising with the increasing Cash/e-Banking
demand for better healthcare services and increases in the Please remit the new premium
medical treatment costs along with advancement in technology. upon revision effective date.
Market studies further show that medical inflation has
registered double digit increases in recent years. Credit Card Auto-debit
New premium will be deducted
As your long-term medical protection is important, we regularly upon revision effective date.
review our medical plans to ensure you are protected when you
need it. Having carefully considered the rise in healthcare costs, Direct-Debit (with
we will be revising the insurance charges of your medical plan transaction amount limit)
effective 01-10-2022*. If you are currently on this
arrangement, please submit
With this revision of the insurance charges, your premium will the attached Direct Debit
also be revised as below: Enrolment Form, with a copy
of the account holder’s
Current Identification Card or Passport.
New Premium** Effective Date
Premium This will enable us to deduct
RM 150.00 RM 162.00 the new premiums from your
01-10-2022 bank account. Do note that if
Monthly Monthly your account is with Bank
Note: The increase in premiums is to cater for the increase in medical insurance Simpanan Nasional, CIMB
charges. Payor coverage (if applicable) will increase correspondingly and Bank, Public Bank or RHB
additional insurance charges will be deducted from your policy account value. We Bank, you will also need to
advise you to refer to your annual statement and discuss with your agent or perform a signature
Bank/Prudential Representative to review your policy sustainability regularly to verification at the bank before
ensure continuity of your coverage. submitting the form to
Prudential.

DOC ID 12201009
Prudential Assurance Malaysia Berhad 198301012262 (107655-U) Level 20, Menara Prudential, Persiaran TRX Barat, 55188 Tun Razak Exchange, Kuala Lumpur, Malaysia.
P.O. Box 10025, 50700 Kuala Lumpur. Tel (603) 2778 3888 www.prudential.com.my
Customer Service Tel (603) 2771 0228 Email: customer.mys@prudential.com.my

Part of Prudential plc (United Kingdom)

P1
To help you better understand the changes in your insurance charges and premium, we have
enclosed the Supplementary Schedule with details of the revision as part of your policy, including
the changes in payor benefits (if applicable), as well as some Frequently Asked Questions (FAQs).
You may also visit www.askprudential.com.my or scan the above QR Code for further information.

If you would like to review your existing coverage or consider other options that may better meet
your protection and financial needs, please do not hesitate to reach out to your Prudential Agent or
Bank/Prudential Representative.

Should you have any enquiries, you may contact us at 03-2771 2450 (Monday-Friday, 8.30am -
5.15pm, excluding Public Holidays) or email us at customer.mys@prudential.com.my.

Once again, thank you for your support and trust in Prudential. We look forward to continue serving
you in the future.

Yours sincerely,

Lim Eng Seong

Chief Executive Officer

Note:
* The content of this notification letter does not consider any alteration made to this policy after 05-07-2022.
** Premium is inclusive of applicable taxes (if any).

DOC ID 12201009
Prudential Assurance Malaysia Berhad 198301012262 (107655-U) Level 20, Menara Prudential, Persiaran TRX Barat, 55188 Tun Razak Exchange, Kuala Lumpur, Malaysia.
P.O. Box 10025, 50700 Kuala Lumpur. Tel (603) 2778 3888 www.prudential.com.my
Customer Service Tel (603) 2771 0228 Email: customer.mys@prudential.com.my

Part of Prudential plc (United Kingdom)

P1
YONG PAIK CHEW
4-1-1 LEBUH BATU MAUNG 8
BATU MAUNG
11960 BAYAN LEPAS PULAU PINANG
MALAYSIA

日期 : 18-07-2022
参考 : ILPRPRC_0001_001/NL01

尊敬的先生/女士，

保单号码 : 00446241
受保人 : TEH YU HEN
保单持有人 : YONG PAIK CHEW
主旨 : PRUValue Med 最新保险费和保费

感谢您选择 PRUValue Med 作为您的健康和医疗保障方案。

付费安排
随着人们不断追求更好的医疗服务，以及医药成本日益增加的情况，医疗保
健成本随之提升。市场研究显示医疗成本通货膨胀，近年来更呈现双位数的 现金/电子银行
上升率。 请在生效日期依据调整保费汇款。

由于您的长期医疗保障需被优先考量，因此我们时刻审查我们的医疗保健计 信用卡自动缴费
划，以确保您在需要的时候，时刻都受到保障。在经过审慎考虑后，我们将 新调整的保费在生效日期将被扣
在 01-10-2022* 起根据您的医疗保险计划调整保险费。 除。
随着此次保险费调整，您的保费也将如下所示开始调整：
直接付款(转账限额)
现有的保费 新的保费** 生效日期 如果您目前是通过此安排付费，请
提交随函附上的直接付款登记表
每月 RM 150.00 每月 RM 162.00 01-10-2022 格，并附上帐户持有人的身份证或
护照的副本。这意味着您授权我们
注释:保费的增加是为了迎合医疗保险费用的上涨。缴费人保障(如适用)将随之增加，同时额外 从您的帐户直接扣取新保费。请注
的保险费也将会从您的保单账户价值中扣除。我们建议您参考您的年度报表和定期与您的保险 意，如果您的帐户是国家储蓄银
代理或银行/保诚专员讨论并评估您的保单持续性，以便确保您的保障延续性。
行、联昌国际(CIMB)银行、大众银
为了帮助您充分了解此调整保险费和保费事宜，随函除了附上一份含此调整 行或RHB银行，您依然需要去银行
的细节保单附录，也包括缴费人利益的更新(如适用)以及一些常见问答 进行验证签名核实检查，然后才提
(FAQ)供您参考。您亦可浏览 www.askprudential.com.my 或扫描以上 交该表格给保诚。
的QR码以了解更多相关信息。

如果您想要重新评估和检讨您目前的保单，或根据您的经济需求并酌情选择
适合您的其他保险保障选项，请随时联系您的保诚代理员或银行/保诚代
表。

DOC ID 12201009
Prudential Assurance Malaysia Berhad 198301012262 (107655-U) Level 20, Menara Prudential, Persiaran TRX Barat, 55188 Tun Razak Exchange, Kuala Lumpur, Malaysia.
P.O. Box 10025, 50700 Kuala Lumpur. Tel (603) 2778 3888 www.prudential.com.my
Customer Service Tel (603) 2771 0228 Email: customer.mys@prudential.com.my

Part of Prudential plc (United Kingdom)

P1
如有任何疑问，您可拨打 03-2771 2450 (周一至周五，上午8时30分至下午5时15分，公共假期除外) 或电邮至
customer.mys@prudential.com.my 。

再次感谢您对保诚的支持和信任。我们期待着将来能继续为您服务。

至诚敬上，

林永祥
首席执行员

注意事项：
* 此通知书内容未纳入任何 05-07-2022 后的保单内容更改。
** 保费包括相关税收(如有)。

DOC ID 12201009
Prudential Assurance Malaysia Berhad 198301012262 (107655-U) Level 20, Menara Prudential, Persiaran TRX Barat, 55188 Tun Razak Exchange, Kuala Lumpur, Malaysia.
P.O. Box 10025, 50700 Kuala Lumpur. Tel (603) 2778 3888 www.prudential.com.my
Customer Service Tel (603) 2771 0228 Email: customer.mys@prudential.com.my

Part of Prudential plc (United Kingdom)

P1
SUPPLEMENTARY SCHEDULE TO POLICY NUMBER: 00446241
JADUAL TAMBAHAN KEPADA POLISI NOMBOR
Date / Tarikh: 05-07-2022

The provisions in this Supplementary Schedule shall form part of your Policy upon the effective date as shown in this
Supplementary Schedule. To the extent any of the provisions in this Supplementary Schedule conflict with any provisions
of the existing content of your Policy, the provisions in this Supplementary Schedule shall prevail and replace those
provisions of the existing content. Peruntukan dalam Jadual Tambahan ini adalah sebahagian daripada Polisi anda
pada tarikh berkuatkuasa seperti yang ditunjukkan dalam Jadual Tambahan ini. Setakat mana-mana bahagian dalam
Jadual Tambahan ini bercanggah dengan mana-mana peruntukan dalam Polisi anda yang sedia ada, peruntukan dalam
Jadual Tambahan ini akan diutamakan dan menggantikan peruntukan dalam Polisi anda yang sedia ada tersebut.

Revised Insurance Charges for PRUValue Med

Caj Insurans yang diubahsuai bagi PRUValue Med

• Effective Date / Tarikh Berkuatkuasa: 01-10-2022

• Projected Insurance Charges / Unjuran Caj Insurans: As Attached / Seperti yang dilampirkan

Revised Payor Related Benefit(s) / Manfaat (-Manfaat) Payor yang Diubahsuai

Effective from / Amount of Benefit /

Benefit Type / Jenis Manfaat
Berkuatkuasa daripada Jumlah Manfaat

01-10-2022 Payor Basic RM 1,944.00 (p.a. / setahun)

01-10-2022 Parent Payor Basic RM 1,944.00 (p.a. / setahun)

Revised Premium plus Taxes (if any) / Premium Diubahsuai tambah dengan Cukai (jika ada)

Monthly Premium plus Taxes (if any) of RM 162.00* effective 01-10-2022, payable by Cash/Cheque. / Bulanan
Premium tambah dengan Cukai (jika ada) RM 162.00*, berkuatkuasa 01-10-2022 yang dibayar secara Tunai/Cek.

*Increase in the amount of RM 12.00 on the Insurance Premium, with 95.00% as the allocation rate set for each
Premium Year. / Peningkatan sebanyak RM 12.00 bagi Premium Insurans, dengan 95.00% sebagai kadar
peruntukan untuk setiap Tahun Premium.

Notes / Nota:
• “Insurance Premium” shown above refers to “Insurance Premium”, “Optional Benefit(s) Premium” and “Add-On
Benefit(s) Premium”, whichever is applicable, that appears in your Policy. / “Premium Insurans” yang ditunjukkan di
atas, merujuk kepada “Premium Insurans”, “Premium Manfaat(-manfaat) Opsyenal” dan “Premium Manfaat(-
manfaat) Add-On”, yang mana terpakai dan ditunjukkan di dalam Polisi anda.
• “Amount of Benefit” shown above refers to “Amount of Benefit”, “Amount” and “Sum Assured”, whichever is
applicable, that appears in your Policy. / “Amaun Manfaat” yang ditunjukkan di atas merujuk kepada “Amaun
Manfaat”, “Amaun” dan “Jumlah Diinsuranskan”, yang mana terpakai dan ditunjukkan di dalam Polisi anda.

DOC ID 12201009
Prudential Assurance Malaysia Berhad 198301012262 (107655-U) Level 20, Menara Prudential, Persiaran TRX Barat, 55188 Tun Razak Exchange, Kuala Lumpur, Malaysia.
P.O. Box 10025, 50700 Kuala Lumpur. Tel (603) 2778 3888 www.prudential.com.my
Customer Service Tel (603) 2771 0228 Email: customer.mys@prudential.com.my

Part of Prudential plc (United Kingdom)

P1
If any part of your Policy in connection with the provisions above is varied after the date of this Supplementary Schedule
but before 01-10-2022, the provisions in this Supplementary Schedule shall not apply. If you require further assistance,
please do not hesitate to get in touch with your Prudential representative. You may also contact our Customer Service
Representatives at 03-2771 0228 (Monday-Friday from 8.30am to 5.15pm, excluding Public Holidays) or email us at
customer.mys@prudential.com.my. Jika mana-mana bahagian Polisi anda yang berkenaan dengan peruntukan-
peruntukan di atas diubah selepas tarikh Jadual Tambahan ini tetapi sebelum 01-10-2022, peruntukan-peruntukan
dalam Jadual Tambahan ini tidak akan terpakai. Jika anda memerlukan bantuan selanjutnya, sila berhubung dengan
wakil Prudential anda. Anda juga boleh menghubungi Wakil Khidmat Pelanggan kami di talian 03-2771 0228 (Isnin-
Jumaat 8:30 pagi-5:15 petang, selain daripada cuti umum) atau emel kami di customer.mys@prudential.com.my.

DOC ID 12201009
Prudential Assurance Malaysia Berhad 198301012262 (107655-U) Level 20, Menara Prudential, Persiaran TRX Barat, 55188 Tun Razak Exchange, Kuala Lumpur, Malaysia.
P.O. Box 10025, 50700 Kuala Lumpur. Tel (603) 2778 3888 www.prudential.com.my
Customer Service Tel (603) 2771 0228 Email: customer.mys@prudential.com.my

Part of Prudential plc (United Kingdom)

P1
Summary of Projected Insurance Charges of / Ringkasan Unjuran Caj Insurans untuk PRUValue Med:

Age Next Insurance Age Next Insurance Age Next Insurance Age Next Insurance
Birthday / Charges / Birthday / Charges / Birthday / Charges / Birthday / Charges /
Umur Pada Caj Insurans Umur Pada Caj Insurans Umur Pada Caj Insurans Umur Pada Caj Insurans
Hari Jadi Akan (RM) Hari Jadi Akan (RM) Hari Jadi Akan (RM) Hari Jadi Akan (RM)
Datang Datang Datang Datang
15 490.64 40 888.20 65 3,202.65 90 18,179.24
16 633.92 41 1,063.16 66 4,463.78 91 21,924.14
17 633.92 42 1,063.16 67 4,463.78 92 21,924.14
18 633.92 43 1,063.16 68 4,463.78 93 21,924.14
19 633.92 44 1,063.16 69 4,463.78 94 21,924.14
20 633.92 45 1,063.16 70 4,463.78 95 21,924.14
21 675.13 46 1,350.26 71 6,781.47 96 25,832.15
22 675.13 47 1,350.26 72 6,781.47 97 25,832.15
23 675.13 48 1,350.26 73 6,781.47 98 25,832.15
24 675.13 49 1,350.26 74 6,781.47 99 25,832.15
25 675.13 50 1,350.26 75 6,781.47 100 25,832.15
26 704.57 51 1,731.74 76 10,183.34
27 704.57 52 1,731.74 77 10,183.34
28 704.57 53 1,731.74 78 10,183.34
29 704.57 54 1,731.74 79 10,183.34
30 704.57 55 1,731.74 80 10,183.34
31 764.85 56 2,370.70 81 14,256.47
32 764.85 57 2,370.70 82 14,256.47
33 764.85 58 2,370.70 83 14,256.47
34 764.85 59 2,370.70 84 14,256.47
35 764.85 60 2,370.70 85 14,256.47
36 888.20 61 3,202.65 86 18,179.24
37 888.20 62 3,202.65 87 18,179.24
38 888.20 63 3,202.65 88 18,179.24
39 888.20 64 3,202.65 89 18,179.24

Note / Nota:
1. The projected Insurance Charges shown above are based on our current scales of charges and we shall deduct them from
your Policy in future when the Life Assured reaches that age on the Life Assured’s next birthday, until the expiry of this
benefit. / Caj Insurans yang diunjurkan di atas adalah berdasarkan pada skala caj semasa kami dan akan ditolak
daripada Polisi anda pada masa hadapan apabila Hayat Yang Diinsuranskan mencapai umur tersebut pada hari jadi
Hayat Yang Diinsuranskan yang akan datang, sehingga tamat tempoh manfaat.
2. These rates are annual rates and based on standard risk (“Annual Insurance Rate”). We will deduct Insurance Charges,
amongst others based on any underwriting-based loading imposed for sub-standard risk. / Kadar-kadar ini adalah kadar
tahunan dan berdasarkan risiko standard (“Kadar Tahunan Insurans”). Kami akan menolak Caj Insurans, antara lain
berdasarkan sebarang loading tambahan yang dikenakan mengikut dasar pengunderaitan untuk risiko sub-standard.

DOC ID 12201009
Prudential Assurance Malaysia Berhad 198301012262 (107655-U) Level 20, Menara Prudential, Persiaran TRX Barat, 55188 Tun Razak Exchange, Kuala Lumpur, Malaysia.
P.O. Box 10025, 50700 Kuala Lumpur. Tel (603) 2778 3888 www.prudential.com.my
Customer Service Tel (603) 2771 0228 Email: customer.mys@prudential.com.my

Part of Prudential plc (United Kingdom)

P1
Frequently asked questions (FAQ)

1. Why are my insurance charges and/or premium being revised?

To ensure you are always adequately protected, Prudential regularly reviews our medical plans against the current
healthcare costs.  As you might be aware, the cost of healthcare has been consistently rising due to various factors.
These include increase in hospital and doctor charges, advancement in medical treatments and drugs, as well as
increasing demand for better healthcare services. Having carefully considered the relevant factors above, Prudential
undertakes this revision to help ensure your long-term medical protection will be there for you when you need it. You
will be notified accordingly if there is a need for revision in the future as well.

2. What is the difference between premium and insurance charges?

Premium is the amount that you pay to Prudential in return for the insurance coverage provided. For an investment-
linked insurance policy, part or all the premiums paid are used to purchase units in the investment-linked fund(s) while
the remaining is used to pay upfront charges for insurance expenses and direct distribution costs. Insurance charges
are deducted monthly from the value of your investment-linked funds to pay for your insurance coverage. Generally, the
insurance charges will increase as you grow older.

3. Why do I need to pay the additional premium/recommended top-up?

The additional premium/top-up is required to cover the increased insurance charges. With the increase in insurance
charges, more units will be deducted from your policy account value to pay for the higher insurance charges. If you
continue to pay the same amount of premium after the new premium effective date or do not top-up your policy after
this revision, it is possible that your policy may lapse earlier than expected.

4. I have not made any claim. Why are my insurance charges and/or premium being revised?
How insurance works and is calculated, is by pooling and spreading the risks among all those who are insured in the
portfolio. Health/medical insurance is no different. When you purchase health insurance, you join a group of other
customers who have similar risk characteristics (such as age group, plan type, gender etc.). We (the insurance
company) cover the entire group rather than individuals. Similarly, when we review our medical portfolio, it is conducted
across the board.

5. Is the rate of increase in insurance charges/premium fixed across all policies?

The rate of increase in premium and insurance charges is not fixed across all policies as it varies depending on factors
such as age, gender and type of medical plan.

Prudential Assurance Malaysia Berhad 198301012262 (107655-U) Level 20, Menara Prudential, Persiaran TRX Barat, 55188 Tun Razak Exchange, Kuala Lumpur, Malaysia.
P.O. Box 10025, 50700 Kuala Lumpur. Tel (603) 2778 3888 www.prudential.com.my
Customer Service Tel (603) 2771 0228 Email: customer.mys@prudential.com.my

Part of Prudential plc (United Kingdom)

P1
6. Arising from this revision, what are the options available to me?
There are a variety of options that may apply to your specific situation. Listed below are some of the options you may
wish to consider in reviewing your current policy coverage and affordability: -

Option(s) Details
Review current benefit(s) You may review and alter your policy benefits to suit your needs, subject
to the terms and conditions of the policy.

If you change your medical plan to a lower plan within the same medical
rider for a more affordable premium within 1 January 2021 to 30 June
2022, we will accept your application to switch back to the original medical
plan in the same policy within 12 months period from the medical plan
endorsement, without underwriting assessment.

However, we wish to remind you that any changes to your coverage will
have an impact to your protection.
Change premium payment You may consider changing your premium payment frequency to lower
frequency down lump sum financial commitment (if applicable).

If you would like to review your existing coverage or consider other options that may better meet your protection and
financial needs, please do not hesitate to reach out to your Prudential Agent or Bank/Prudential Representative.

Please visit www.askprudential.com.my or scan the below QR Code for more details.

Prudential Assurance Malaysia Berhad 198301012262 (107655-U) Level 20, Menara Prudential, Persiaran TRX Barat, 55188 Tun Razak Exchange, Kuala Lumpur, Malaysia.
P.O. Box 10025, 50700 Kuala Lumpur. Tel (603) 2778 3888 www.prudential.com.my
Customer Service Tel (603) 2771 0228 Email: customer.mys@prudential.com.my

Part of Prudential plc (United Kingdom)

P1
常见问题(FAQ)

1. 为什么我的保险费和/或保费被调整？
为了确保您得到充分的保障，保诚不时根据当前医疗保健成本为其医疗保健保险进行评估及审查。如您所知，由于各种因
素，医疗费用一直不断上涨，其中包括医院和医生诊费的上涨，先进医疗与药物处方费用及人们要求更好的医疗服务不断激
增等等。在经过审慎考虑上述相关因素之后，保诚将作出此调整以确保您长期在需要的时刻受到医疗保障。如将来需要再次
进行调整，您将也会相应地收到通知。

2. 保费和保险费有哪些区别？
保费是您缴付保诚以获取保障利益的投保金额。投资联结保单把部分或全部保费投资于购买联结基金单位上，余额则用来支
付保险开销的预付收费和直接分销费用。保险费则每个月从您投资联结保单的单位价值的金额所扣除并用来缴付您的保单。
一般，保险费将随着您的年龄逐年增加。

3. 为何我需要缴付额外的保费/建议推荐加额？
额外的保费/加额是用来支付保险费的增加。由于保险费的增加，相对的从您的保单账户价值扣除来缴付保险费的单位也随
之增加。随着新调整保费生效日期后，如果您继续以同样的费缴付或没随着此调整而加额您的保单，您的保单将可能比预期
更早失效。

4. 我未曾做出任何索赔。为何调整我的保险收费和/或保费？
保险是基于该投保群组的风险分享基础原理营运与计算。因此，健康/医疗保险也不例外。当您购买保健保险时，也意味着
您参与具有相似风险特征的客户群(例如年龄层、保单类型、性别等等)。本公司覆盖整个客户群而不是个人的风险。因此，
本公司是进行全面评估及审查我们的医疗群组的，而非依据个人风险。

5. 所有保单的保费/保险收费增长率是否固定的？
保费和保险费取决于年龄、性别和医疗计划类型等等因素，所以并非所有保费和保险费增长率是固定的。

6. 按此调整后，我还有什么选项？
其中还有很多的选项供您按个别情形做出选择。如果您想要重新审查您目前的保单并按您的负担酌情考虑进行评估，请参阅
下述提供的一些选项：-

选项 细节
评估目前的利益 在符合有关保单协议与条款之下，您可按您的需要进行评估您目前的保单及
在其利益上作出更改。

如果您在 2021 年 1 月 1 日至 2022 年 6 月 30 日期间以更实惠的保

费将您的医疗计划更改为同一医疗附加险中的较低计划，我们将接受您在 12
个月内转换回同一保单中的原始医疗计划的申请，无需核保。

我们谨此提醒您，该保单的任何更改将影响您的保障。
更改保费缴付频率 您可以考虑更改您的保费支付频率以降低一次性支付的财务承担（如果适
用）。

如果您想要重新评估及审查讨您目前的保单，或者根据您的经济需求并酌情选择适合您的其他保险保障选项，请随时联系您
的保诚代理员或银行/保诚代表。

请游览www.askprudential.com.my或扫描以下QR码查阅常见问题。

Prudential Assurance Malaysia Berhad 198301012262 (107655-U) Level 20, Menara Prudential, Persiaran TRX Barat, 55188 Tun Razak Exchange, Kuala Lumpur, Malaysia.
P.O. Box 10025, 50700 Kuala Lumpur. Tel (603) 2778 3888 www.prudential.com.my
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