BONG SIAW FUNG

NO 31 LOT 1246
LORONG GREENWOOD 2L
BATU 9 JALAN PENRISSEN
93250 KUCHING SARAWAK
MALAYSIA

Date : 21-02-2024
Ref : ILPRPRC_0004_001/NL01

Dear Sir/Madam,

Policy Number : 34618558

Life Assured : BONG SIAW FUNG
Assured : BONG SIAW FUNG
Subject : PRUHealth New Insurance Charges and Premium

Thank you for choosing PRUHealth as your health and medical

protection solution. Payment Arrangement
Healthcare costs have been consistently rising with increased
demand for healthcare services, and better medical treatment Cash/Online Payment
with advancement in technology. As such, we continuously strive Please remit the new premium
to reduce the impact of medical inflation by working closely with upon revision effective date via
our healthcare providers to maintain high-quality care and Prudential Malaysia Online
preferred rates. Payment at https://
epay.prudential.com.my/
Yet, the average medical inflation for PRUHealth for the past 3 pru_cpp/ OR PRUAccess Plus
years is still rising at 11.00% per year. 62 out of 1,000 policy at https://
owners made a claim compared to 61 out of 1,000 policy owners pruaccessplus.prudential.com.
3 years ago. Each claim on average has increased from RM my
10,616.00 to RM 14,113.00.
As your long-term medical protection is important, we regularly Credit Card Auto-debit
review our medical plans to ensure you are protected when you New premium will be deducted
need it. Having carefully considered the rise in healthcare costs, upon revision effective date.
we will be revising the insurance charges of your medical plan
effective 01-05-2024*. Direct-Debit
New premium will be deducted
With this revision of the insurance charges, your premium will be upon revision effective date.
revised as below:
Current
New Premium** Effective Date
Premium
RM 197.87 RM 216.87
01-05-2024
Monthly Monthly
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

Part of Prudential plc (United Kingdom)

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We have enclosed the Supplementary Schedule with details of the revision as part of your policy,
including:
i. The changes in payor benefits (if applicable)
ii. Frequently Asked Questions (FAQs)
iii. Visit www.askprudential.com.my or scan the above QR Code for further information.
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 and downgrade You may review and opt to downgrade your policy benefits to suit
current benefit(s) your needs, subject to the terms and conditions of the policy.

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
frequency lower down lump sum financial commitment (if applicable).

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,

Lim Eng Seong

Chief Executive Officer

Note:
* The content of this notification letter does not consider any alteration made to this policy after 19-02-2024.
** Premium is inclusive of applicable taxes (if any).

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

Part of Prudential plc (United Kingdom)

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BONG SIAW FUNG
NO 31 LOT 1246
LORONG GREENWOOD 2L
BATU 9 JALAN PENRISSEN
93250 KUCHING SARAWAK
MALAYSIA

日期 : 21-02-2024
参考 : ILPRPRC_0004_001/NL01

尊敬的先生/女士，

保单号码 : 34618558
受保人 : BONG SIAW FUNG
保单持有人 : BONG SIAW FUNG
主旨 : PRUHealth 最新保险费和保费

感谢您选择 PRUHealth 作为您的健康和医疗保障方案。

付费安排
随着我们对先进医疗服务需求的增加和治疗水平的提高，医药成本一直在持
续上升。因此，我们不断努力与医疗服务机构密切合作，以维持高质量的医
疗服务和优惠率，从而减轻医疗通货膨胀的影响。 现金/网络支付
请在生效日期依据调整保费汇款。
然而，过去3年中， PRUHealth 的平均医疗通货膨胀率仍以每年 11.00% 的速
您可以通过以下方式进行保险费支
度上升。相比于3年前每1,000名保单持有人中有61宗索偿理赔，现在每1,000
付：
名保单持有人中就有62宗索偿理赔。平均每宗理赔金额从RM 10,616.00增加
至RM 14,113.00。 Prudential Malaysia Online
Payment: https://
您的长期医疗保障是我们的优先考量，因此我们时刻审查我们的医疗保健计
划，以确保您在需要的时候都能受到保障。在经过审慎考虑后，我们将 epay.prudential.com.my/
于01-05-2024*起，根据您的医疗保险计划调整您的保费。 pru_cpp/
PRUAccess Plus: https://
您的保费将调整如以下所示:
pruaccessplus.prudential.com.
现有的保费 新的保费** 生效日期 my

每月 RM 197.87 每月 RM 216.87 01-05-2024 信用卡自动缴费

新调整的保费将于生效日期开始扣
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 除。
额外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
保诚财务规划师或银行代表讨论并评估您的保单持续性，以便确保您的保障延续性。
直接付款(转账限额)
新调整的保费将于生效日期开始扣
除。

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)

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随函附上一份含此调整的细节保单附录,
i. 涵盖缴费人利益的更新（如适用）
ii. 常见问答 (FAQ)
iii. 浏览www.askprudential.com.my或扫描以上的QR码以了解更多相关信息。
我们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
审查并降低目前的 您也可重新审核并选择降低保单利益以符合您的需求 （须符合该保单的条
利益 规）。
然而，我们欲提醒您，您对任何保障的更改将会对您现有的保障产生影
响。
更改保费缴付频 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（如适
率 用）。

如您在新调整保费生效日期后仍然没有加额您的保单，您的保单将可能比预期更早失效。如欲降低您的保费，请联
系您的保诚财务规划师或银行代表助您审查您的保单，以提供适合您的保障需求和经济负担的选项。
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）。
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19-02-2024后的保单内容更改。
** 保费包括相关税收（如有）。

Perbadanan Insurans Deposit Malaysia (“PIDM”) 就保险保单下单位部分应支付之保险利益的保障是有限制性的。请参阅PIDM的保险

及伊斯兰保险利益保障制度的小册子或联络马来西亚保诚保险有限公司 或PIDM（请浏览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

Part of Prudential plc (United Kingdom)

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SUPPLEMENTARY SCHEDULE TO POLICY NUMBER: 34618558
JADUAL TAMBAHAN KEPADA POLISI NOMBOR
Date / Tarikh: 19-02-2024

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 PRUHealth

Caj Insurans yang diubahsuai bagi PRUHealth

• Effective Date / Tarikh Berkuatkuasa: 01-05-2024

• 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

01-05-2024 Enhanced PRUPayor Basic RM 2,602.44 (p.a. / setahun)

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

Monthly Premium plus Taxes (if any) of RM 216.87* effective 01-05-2024, payable by Cash/Cheque. / Bulanan
Premium tambah dengan Cukai (jika ada) RM 216.87*, berkuatkuasa 01-05-2024 yang dibayar secara Tunai/Cek.

*Increase in the amount of RM 19.00 on the Insurance Premium, with 95.00% as the allocation rate set for each
Premium Year. / Peningkatan sebanyak RM 19.00 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 01-05-2024, 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 01-05-2024, 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 PRUHealth:

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
45 1,019.13 70 3,796.17
46 1,121.93
47 1,181.52
48 1,237.93
49 1,296.28
50 1,328.65
51 1,328.02
52 1,327.39
53 1,326.76
54 1,326.14
55 1,365.65
56 1,479.48
57 1,593.32
58 1,707.17
59 1,821.03
60 1,934.88
61 2,048.74
62 2,116.73
63 2,213.46
64 2,416.50
65 2,629.75
66 2,771.59
67 3,001.73
68 3,049.72
69 3,624.71

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. Due to escalating healthcare costs and medical inflation that has resulted in higher claims for the
medical portfolio, Prudential may undertake this revision every year, if necessary to help ensure your long-term medical
protection will be there for you when you need it.

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(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.

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.

6. Is this medical re-pricing driven by regulatory requirement?

The medical re-pricing is governed under a structured and objective approach to ensure the continued sustainability of
the funds such that customers continue to be covered during their time of need. This is a commercial decision endorsed
by Prudential after taking into consideration the current claims experience and expected future medical costs.

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

Part of Prudential plc (United Kingdom)

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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来评估我们的医疗保健计划。由于医疗费用一直不断上涨
及医疗通货膨胀导致医疗保险索赔也持续上涨。 保诚每年将会进行相关的评估，或调整保险费和/或保费以确保您能长
期获得足够的保障。

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，其余额则
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/或推荐的加额？
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，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。新调整保费生效日期后，如果您继续缴付同样的保费或没随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担基础原理营运与计算。因此，医疗及保健保险也不例外。当您购买医疗/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）。本公司的保障是以风险分担的
基础原理覆盖整个客户群的风险，而不是个人的风险。因此, 这是本公司对医疗群组风险进行的全面评估及审查而做出
的调整，而非个人风险。

5. 所有保单的保费/保险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. 这医疗保费调整计划是由监管要求推动的吗？
这医疗保费调整是根据结构化和客观的方法进行管理，以确保基金的可持续性而使客户在需要时能继续得到足够的保
障。这是保诚就于当前的索偿理赔率和对未来医疗费用的预测后做出的商业决策。

您也可以游览www.askprudential.com.my或扫描以下QR码以获取更多详情。

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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