Professional Documents
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NO 30 BATU 3 KG SAWAH
PEKAN NENAS
81500 JOHOR BAHRU JOHOR
MALAYSIA
Date : 09-12-2023
Ref : ILPRPRC_0004_001/NL03
Dear Sir/Madam,
Thank you for choosing PRUFlexi Med as your health and medical
protection solution.
Healthcare costs have been consistently rising with increased
demand for healthcare services, and better medical treatment Option to Convert
with advancement in technology. As such, we continuously strive For lower insurance charges,
to reduce the impact of medical inflation by working closely with you have an option to change
our healthcare providers to maintain high-quality care and your current medical plan to
include a Deductible Plan.
preferred rates.
This means you will need to
Yet, the average medical inflation for PRUFlexi Med for the past 3 pay the selected Deductible
years is still rising at 8.00% per year. 82 out of 1,000 policy amount to the hospital before
owners made a claim compared to 92 out of 1,000 policy owners your insurance plan starts to
pay out any eligible claim.
3 years ago. Each claim on average has increased from RM
9,565.00 to RM 13,561.00. Below is the new premium
comparison of your current
As your long-term medical protection is important, we regularly plan based on PRUFlexi Med
review our medical plans to ensure you are protected when you Plan Zero Deductible Plan.
need it. Having carefully considered the rise in healthcare costs,
we will be revising the insurance charges of your medical plan Your current
effective 01-02-2024*. plan RM300
Zero Deductible Deductible Plan
With this revision of the insurance charges, your premium will be Plan***
revised as below:
RM 237.67 RM 227.67
Current Monthly Monthly
New Premium** Effective Date
Premium
To opt for the Deductible Plan,
RM 204.67 RM 237.67 please complete and return to
01-02-2024 us the enclosed "Option to
Monthly Monthly
Convert" form by 31-01-2024.
Note: The increase in premiums is to cater for the increase in medical insurance
charges. Payor coverage (if applicable) will increase correspondingly, and
additional insurance charges will be deducted from your policy account value. We
advise you to refer to your annual statement and discuss with your Prudential
Wealth Planner or Bank Representative to review your policy’s sustainability
regularly to ensure continuity of your coverage.
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
It is possible that your policy may lapse earlier than expected if you do not top up your policy after
the revision effective date. If you wish to lower your premium, speak to your Prudential Wealth
Planner or Bank Representative to review your coverage and applicable options that may better
meet your protection and financial needs.
Should you have any enquiries, you may contact us at 03-2771 2450 (Monday-Friday, 8.30am -
5.15pm, excluding Public Holidays).
Once again, thank you for your support and trust in Prudential. We look forward to continue serving
you in the future.
Yours sincerely,
Note:
* The content of this notification letter does not consider any alteration made to this policy after 07-12-2023.
** Premium is inclusive of applicable taxes (if any).
*** Under the Zero Deductible Plan, the total cost of eligible expenses incurred is fully covered by Prudential, subject to
applicable annual and lifetime limits.
PROTECTION BY PERBADANAN INSURANS DEPOSIT MALAYSIA (“PIDM”) ON BENEFITS PAYABLE FROM THE UNIT PORTION
OF THIS CERTIFICATE/POLICY IS(ARE) SUBJECT TO LIMITATIONS. Please refer to PIDM’s Takaful and Insurance Benefits
Protection System (“TIPS”) Brochure or contact Prudential Assurance Malaysia Berhad or PIDM (visit www.pidm.gov.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
Tarikh : 09-12-2023
Ruj : ILPRPRC_0004_001/NL03
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
Terdapat pelbagai pilihan yang mungkin sesuai dengan situasi spesifik anda. Berikut adalah antara
pilihan yang anda boleh pertimbangkan dalam penilaian semula perlindungan polisi dan
kemampuan semasa anda:-
Pilihan Butiran
Menukar kepada Anda boleh mengurangkan premium anda dengan menukarkannya kepada
pelan dedutikbel pelan deduktibel (jika berkenaan).
Menilai semula dan Anda boleh menyemak semula dan mengurangkan manfaat polisi menurut
mengurangkan keperluan anda, tertakluk kepada terma dan syarat polisi.
manfaat semasa Walau bagaimanapun, kami ingin mengingatkan bahawa sebarang perubahan
pada polisi anda akan memberi kesan kepada perlindungan anda.
Menukar Anda boleh menukar kekerapan pembayaran premium anda untuk
kekerapan mengurangkan komitmen kewangan sekaligus (jika berkenaan).
pembayaran
premium
Polisi anda mungkin luput lebih awal daripada jangkaan jika anda tidak menambah nilai polisi anda
selepas tarikh kuat kuasa penilaian semula. Jika anda ingin mengurangkan premium anda, hubungi
Perancang Kekayaan Prudential anda atau Wakil Bank untuk menyemak semula perlindungan anda
dan membuat pilihan sesuai yang boleh memenuhi keperluan perlindungan dan kewangan anda
dengan lebih baik.
Untuk sebarang pertanyaan, hubungi kami di 03-2771 2450 (Isnin-Jumaat, 8.30pg - 5.15ptg,
kecuali Cuti Umum).
Terima kasih atas sokongan dan kepercayaan anda kepada Prudential. Kami akan terus berusaha
berkhidmat untuk anda pada masa depan.
Yang benar,
Nota:
* Kandungan surat makluman ini tidak mengambil kira sebarang perubahan pada polisi ini yang dibuat selepas 07-12-2023.
** Premium adalah termasuk cukai berkenaan (jika ada).
*** Di bawah Pelan Zero Deduktibel, jumlah kos perbelanjaan yang layak dibiayai sepenuhnya oleh Prudential, tertakluk
kepada had tahunan dan had seumur hidup yang berkenaan.
PERLINDUNGAN PERBADANAN INSURANS DEPOSIT MALAYSIA (“PIDM”) UNTUK MANFAAT YANG DIBAYAR DARIPADA
BAHAGIAN UNIT SIJIL/POLISI INI ADALAH TERTAKLUK KEPADA SYARAT-SYARAT TERTENTU. Sila rujuk Brosur Sistem
Perlindungan Manfaat Takaful dan Insurans (“TIPS”) PIDM atau hubungi Prudential Assurance Malaysia Berhad atau PIDM
(layari www.pidm.gov.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
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 Premium plus Taxes (if any) / Premium Diubahsuai tambah dengan Cukai (jika ada)
Monthly Premium plus Taxes (if any) of RM 237.67* effective 01-02-2024, payable by Credit/ Debit Card. / Bulanan
Premium tambah dengan Cukai (jika ada) RM 237.67*, berkuatkuasa 01-02-2024 yang dibayar secara Kad Kredit/
Debit.
*Increase in the amount of RM 33.00 on the Insurance Premium, with 95.00% as the allocation rate set for each
Premium Year. / Peningkatan sebanyak RM 33.00 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
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
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
40 1,427.23 65 3,383.00
41 1,453.34 66 3,632.36
42 1,534.33 67 3,895.57
43 1,604.20 68 4,172.63
44 1,680.41 69 4,463.54
45 1,729.69 70 4,768.31
46 1,763.68
47 1,849.38
48 1,946.59
49 2,029.96
50 2,113.31
51 2,170.75
52 2,228.24
53 2,285.70
54 2,343.16
55 2,400.63
56 2,458.08
57 2,515.54
58 2,573.00
59 2,630.47
60 2,687.93
61 2,745.38
62 2,860.55
63 2,975.73
64 3,103.40
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
1. Prudential must receive this form on or before 31-01-2024. As such, if Prudential receives this form after this date, Prudential has the right to
reject the change request.
Prudential mesti menerima borang ini pada atau sebelum 31-01-2024. Maka, jika Prudential menerima borang ini selepas tarikh ini, Prudential
berhak untuk menolak permintaan pertukaran ini.
2. The amount of new premium stated in this form has considered the changes in payor benefits (if applicable).
Amaun bagi premium baru yang dinyatakan dalam borang ini telah mengambil kira pertukaran dalam manfaat payor (jika terpakai).
3. This form does not consider any alteration made to the policy after 07-12-2023. If there is any alteration made after this date, please refer to your
Prudential Agent or Bank / Prudential Representative for further assistance.
Borang ini tidak mengambil kira sebarang perubahan kepada polisi ini yang dibuat selepas 07-12-2023. Jika terdapat apa-apa perubahan yang
dibuat selepas tarikh ini, sila rujuk kepada ejen Prudential / Wakil Bank / Wakil Prudential anda untuk bantuan lanjut.
4. The loading and exclusion clauses relating to your Plan A above continue to apply even after you change to Plan B.
Sebarang loading tambahan dan klausa pengecualian berkenaan dengan Pelan A yang ada sekarang kekal terpakai selepas anda menukar
kepada Pelan B.
5. Besides, Prudential will issue a new annexure for Plan B, as substitute for the annexure for Plan A.
Tambahan lagi, Prudential akan mengeluarkan satu lampiran baru untuk Pelan B, bagi menggantikan lampiran bagi Pelan A.
6. You may submit the completed and signed form to us via:
Anda boleh menghantar borang lengkap dan ditandatangani kepada kami melalui:
· Your Prudential agent or Bank / Prudential Representative; or
Pengakuan Ejen Prudential / Wakil Bank / Wakil Prudential anda; atau
· Any of Prudential Assurance Malaysia branches; or
Mana-mana cawangan Prudential Assurance Malaysia; atau
· Email a scanned copy to customer.mys@prudential.com.my ; or
Emel salinan imbasan kepada customer.mys@prudential.com.my ; atau
· You may click “Submit” or “I Agree” if you’re viewing the notification pack via the microsite sent to you by SMS
Anda boleh klik "Submit" atau "I Agree" jika anda merujuk notis pemberitahuan melalui mikrosit yang dikirimkan kepada anda
melalui SMS
Form ID 11203123
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
4. I have not made any claim(s). 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.
Please visit www.askprudential.com.my or scan the below QR Code 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
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