Dear Valued Policyholder,

Thank you for choosing Prudential as your preferred insurer. At Prudential, we are committed to providing
you with financial freedom and peace of mind with the necessary coverage to better suit your protection
needs.
We are excited to announce the launch of Medical Extension Campaign! This campaign is offered to our loyal
customers and is in line with our continuous efforts to ensure that your medical protection is taken care of.
Under this campaign, we will be extending your medical plan expiry date with no question asked. All you need
to do is return the duly completed Medical Extension Campaign Reply Slip before 31-05-2022. Please check
out the attached letter for more details.
Thank you for your support and trust in Prudential. We remain committed to serving your long-term
protection needs to help you get the most out of life.

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_C1 Page 1 of 4
NG SIAW LAN
NO 7-A JALAN SENA LORONG 7
96000 SIBU SARAWAK
MALAYSIA

Date : 01-02-2022 Restricted

Ref : ILPSPDM_0001_001

Dear Sir/Madam,
Policy Number : 35183192
Assured : NG SIAW LAN
Life Assured : JAYDEN TANG DONG YUAN
Subject : Medical Extension Campaign

In line with our continuous effort to ensure that your medical protection is taken care of, we are pleased to
offer you the option to extend the expiry date of your PRUValue Med benefit to the policy anniversary when
the Life Assured attains age next birthday of 100, or the expiry date of the Death Benefit as specified in
Schedule 2 of your Policy, whichever is earlier (“extended expiry date”), with no further underwriting. This
offer includes your existing sub-rider(s) of PRUValue Med, if any.
If you decide to accept this offer, any loading and exclusion terms that currently apply to your PRUValue Med
benefit and its sub-rider(s) (“Medical Plan”) will also continue to apply until the extended expiry date, except
when your Policy specifies an earlier end date for the loading or exclusion terms. As for insurance charges that
apply to your Medical Plan, you can refer to the attached Appendix: PRUValue Med for Projected Insurance
Charges for details on the projected annual insurance charges until age next birthday of 100. You will continue
paying the amount of premium as mentioned currently in your Policy, till the end of its premium payment
term/ period.
As this is an investment-linked plan, do ensure that there are sufficient units for us to deduct for the insurance
charges and other charges. You may increase the units in your policy either by adding a regular investment
rider with additional premium amount or performing a single premium top-up to your Policy.
We wish to advise you that by extending the expiry date of your Medical Plan, it will reduce the expected
duration of your insurance coverage, as shown in the next paragraph. This is because the relevant charges,
fees and taxes will continue to be deducted from your policy account throughout the Policy Term as long as
the policy is in force.
*Based on sustainability evaluation as at 15-01-2022, your Policy is projected to sustain until 100 age next
birthday as long as your Policy remains in force and assuming future premiums due are paid on time,
investment-linked funds are earning the expected return, and bonuses / rewards (if applicable) are credited to
your Policy in full.
 
To restore the policy sustainability to its Policy Term (after this extension), we recommend you taking one of
the following actions: 
 
Options   Amount (RM)  Allocation Rate1 (%)  Commission Rate2 (%) 

Regular Premium Top-up   N/A N/A   N/A  

 

Single Premium Top-up   N/A  N/A   N/A 

 
The additional Regular Premium or Single Premium Top-Up amount recommended (if any) is in addition to
your instalment premium after this extension takes effect. Subject to your Policy, you may be required to
increase the amount of benefit for the Payor rider (if any) upon increased in Regular Premium Top-Up and
may be subject to underwriting.
If you are keen to accept this offer, kindly respond to us by returning the reply slip as attached before
31-05-2022. You may consult your Prudential Wealth Planner or Bank Representative, CAROLINA HII LU WEI at
0198894487 for more information.

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)

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Kindly ignore this letter if your Medical Plan is lapsed or cancelled. Should you require further clarification,
please contact our Customer Service Representatives at this dedicated phone number 03-2771 2450.
Once again, thank you for your support and trust in Prudential. We look forward to continuing to serve you in
the future.

Yours sincerely,

Eric Wong Wai Yuen

Chief Customer and Marketing Officer
Prudential Assurance Malaysia Berhad
c.c. : H7300243 CAROLINA HII LU WEI
                 1ST FLR, REJANG PARK - SIBU
Note: The content of this offer letter does not consider any alteration made to this policy after 15-01-2022.
Important Notes:
*Please note that the sustainability of the Policy might vary depending on factors such as actual investment return, premium payments
(if any), actual crediting of bonuses / rewards (if applicable) and alterations to your Policy (if any). As such, we recommend regular policy
reviews to be conducted to ensure your coverage remains effective. Please refer to the policy contract for more details.
1
Allocation Rate: Percentage of premium used to purchase units in the fund(s).
2
Commission Rate: Percentage of premium that will be paid to the sales representative.

51201061
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_C1 Page 3 of 4
Summary of Projected Insurance Charges of PRUValue Med / Ringkasan Unjuran Caj Insurans untuk PRUValue Med
The annual Insurance Charges (COI) of PRUValue Med stated below are only applicable to Occupational Class 1 & 2.
The COI of Occupational Class 3 & 4 are 1.25 & 1.5 times the COI for Occupation Class 1 & 2.

Med Value Point RM1mil

Med Saver 300 - Male COI Rates Med Saver 300 - Female COI Rates
ANB 100 200 300 400 500 600 ANB 100 200 300 400 500 600
70 3,928.12 4,463.78 5,539.14 7,030.44 8,308.70 9,373.93 70 3,285.16 3,733.15 4,632.50 5,879.70 6,948.73 7,839.60
71 to 75 5,967.70 6,781.47 8,815.92 11,189.43 13,223.87 14,919.23 71 to 75 5,235.79 5,949.76 7,734.69 9,817.11 11,602.04 13,089.48
76 to 80 8,961.34 10,183.34 13,238.34 16,802.51 19,857.52 22,403.35 76 to 80 7,860.22 8,932.07 11,611.68 14,737.91 17,417.53 19,650.54
81 to 85 12,545.69 14,256.47 18,533.40 23,523.16 27,800.10 31,364.22 81 to 85 12,060.84 13,705.50 17,817.15 22,614.06 26,725.72 30,152.09
86 to 90 15,997.73 18,179.24 23,633.02 29,995.75 35,449.52 39,994.33 86 to 90 14,911.84 16,945.27 22,028.85 27,959.69 33,043.28 37,279.59
91 to 95 19,293.24 21,924.14 28,501.39 36,174.84 42,752.08 48,233.11 91 to 95 17,231.11 19,580.80 25,455.04 32,308.32 38,182.56 43,077.76
96 to 100 22,732.30 25,832.15 33,581.80 42,623.05 50,372.70 56,830.73 96 to 100 19,979.12 22,703.55 29,514.61 37,460.85 44,271.91 49,947.80

Med Value Point RM1.5mil

Med Saver 300 - Male COI Rates Med Saver 300 - Female COI Rates
ANB 100 200 300 400 500 600 ANB 100 200 300 400 500 600
70 5,013.12 5,548.78 6,624.14 8,115.44 9,393.70 10,458.93 70 4,335.16 4,783.15 5,682.50 6,929.70 7,998.73 8,889.60
71 to 75 7,326.70 8,140.47 10,174.92 12,548.43 14,582.87 16,278.23 71 to 75 6,551.79 7,265.76 9,050.69 11,133.11 12,918.04 14,405.48
76 to 80 10,687.34 11,909.34 14,964.34 18,528.51 21,583.52 24,129.35 76 to 80 9,542.22 10,614.07 13,293.68 16,419.91 19,099.53 21,332.54
81 to 85 14,789.69 16,500.47 20,777.40 25,767.16 30,044.10 33,608.22 81 to 85 14,216.84 15,861.50 19,973.15 24,770.06 28,881.72 32,308.09
86 to 90 18,858.73 21,040.24 26,494.02 32,856.75 38,310.52 42,855.33 86 to 90 17,581.84 19,615.27 24,698.85 30,629.69 35,713.28 39,949.59
91 to 95 22,744.24 25,375.14 31,952.39 39,625.84 46,203.08 51,684.11 91 to 95 20,304.11 22,653.80 28,528.04 35,381.32 41,255.56 46,150.76
96 to 100 26,798.30 29,898.15 37,647.80 46,689.05 54,438.70 60,896.73 96 to 100 23,550.12 26,274.55 33,085.61 41,031.85 47,842.91 53,518.80

Med Value Point RM2mil

Med Saver 300 - Male COI Rates Med Saver 300 - Female COI Rates
ANB 100 200 300 400 500 600 ANB 100 200 300 400 500 600
70 5,478.12 6,013.78 7,089.14 8,580.44 9,858.70 10,923.93 70 4,784.16 5,232.15 6,131.50 7,378.70 8,447.73 9,338.60
71 to 75 7,909.70 8,723.47 10,757.92 13,131.43 15,165.87 16,861.23 71 to 75 7,116.79 7,830.76 9,615.69 11,698.11 13,483.04 14,970.48
76 to 80 11,426.34 12,648.34 15,703.34 19,267.51 22,322.52 24,868.35 76 to 80 10,263.22 11,335.07 14,014.68 17,140.91 19,820.53 22,053.54
81 to 85 15,750.69 17,461.47 21,738.40 26,728.16 31,005.10 34,569.22 81 to 85 15,141.84 16,786.50 20,898.15 25,695.06 29,806.72 33,233.09
86 to 90 20,084.73 22,266.24 27,720.02 34,082.75 39,536.52 44,081.33 86 to 90 18,726.84 20,760.27 25,843.85 31,774.69 36,858.28 41,094.59
91 to 95 24,222.24 26,853.14 33,430.39 41,103.84 47,681.08 53,162.11 91 to 95 21,621.11 23,970.80 29,845.04 36,698.32 42,572.56 47,467.76
96 to 100 28,540.30 31,640.15 39,389.80 48,431.05 56,180.70 62,638.73 96 to 100 25,080.12 27,804.55 34,615.61 42,561.85 49,372.91 55,048.80

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.
Prudential Assurance Malaysia Berhad (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) 2116 0228 Email: customer.mys@prudential.com.my

Part of Prudential plc (United Kingdom)