Non Medical Limit Table For Adult - Regular Premium (RP)

Prudential Field Underwriting Manual

This NME table is for individual life and for all regular premium products (except PRUsenior med and PRUguard my family ).
Medical Requirements are based on Total Relevant Sum Assured (TRSA)
Note : For calculation of TRSA, kindly refer to explanation and formula under "TRSA" link.
TRSA Life (RM)
16 - 35
36-40
41-45
46-50
0 - 50,000
50,001 - 100,000
100,001 - 250,000
250,001 - 350,000
ME/PSME
350,001 - 400,000
ME/PSME
400,001 - 500,000
ME/PSME

56-60

> 61
ME

ME
ME
ME, URINE, RECG
SME, URINE, RECG, PRU-LP, PRU-DM, MAR
*SECG if TRSA of CC benefit reaches RM 500,000

ME/SME
500,001 - 650,000

SME, URINE, PRU-MSA

51-55

SME, URINE,
RECG, PRU-MSA,
PRU-LP

SME, URINE, RECG, PRU-MSA,

PRU-LP, PRU-DM, MAR
*SECG if TRSA of CC benefit
reaches RM 500,000

SME, URINE, SECG, PRU-MSA, PRULP, PRU-DM, MAR

650,001 - 1,000,000

1,000,001 - 2,500,000
>2,500,001
Abbrevation
ME/ SME
RINE
RECG/ SECG
MAR
CXR
MSA
DM
LAP

SME, URINE, PRU-MSA,

PRU-LP, PRU-DM

SME, URINE, SECG, PRU-MSA, PRULP, PRU-DM, MAR

SME, URINE, SECG, PRU-LAP, MAR, CXR

SME, URINE, SECG, PRU-LAP, MAR, CXR

Medical Examination/ Specialist Medical Examination

Urine FEME
Electrocardiogram (resting)/ Electrocardiogram (stress)
Medical Attendant's Report (for general health by regular doctor)
Chest x-ray
Moderate Sum Assured - HIV 1 & II, HBsAg (if HBsAg is reactive, to do LFT, ALP and HBeAg)
Diabetes Mellitus** - Fasting Blood Sugar (FBS), HbA1c
Large Amount Profile
- Full Blood Count, Fasting Blood Sugar (FBS)**, HbA1c, Urea, Creatinine, Uric Acid,
Lipid Profile (LP)**, Liver Function Test (LFT), GGT, VDRL, HIV I & II
(If VDRL is positive, to do TPHA; If HBsAg is reactive, to do HBeAg; If Bilirublin is high, to do
Direct & Indirect Bilirubin.)

Note: The information is correct as of 21/11/2011 and for internal circulation only.
Copyright @ Prudential Assurance Malaysia Berhad. All Rights Reserved.

Note : ** Client is required to fast 8 to

10 hours prior to blood test