PAMB Medical Revision-33046806 3
PAMB Medical Revision-33046806 3
1A JALAN CENDERAWASIH 3
TAMAN CENDERAWASIH
BUKIT RAMBAI
75250 MELAKA
MALAYSIA
Date : 21-02-2024
Ref : ILPRPRC_0004_001/NL05
Dear Sir/Madam,
Thank you for choosing PRUMajor Med Benefit as your health and
medical protection solution.
Healthcare costs have been consistently rising with increased Recommended Top-Up
demand for healthcare services, and better medical treatment
with advancement in technology. As such, we continuously strive There will be no change to
to reduce the impact of medical inflation by working closely with your policy premium. However,
our healthcare providers to maintain high-quality care and with the revision in the
preferred rates. insurance charges, it is
possible that your policy may
Yet, the average medical inflation for PRUMajor Med Benefit for lapse earlier than expected.
the past 3 years is still rising at 9.60% per year. 97 out of 1,000
policy owners made a claim compared to 91 out of 1,000 policy
owners 3 years ago. Each claim on average has increased from Current New
RM 12,599.00 to RM 15,518.00. Premium Premium
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: [email protected]
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 19-02-2024.
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: [email protected]
Tarikh : 21-02-2024
Ruj : ILPRPRC_0004_001/NL05
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: [email protected]
Yang benar,
Nota:
* Kandungan surat makluman ini tidak mengambil kira sebarang perubahan pada polisi ini yang dibuat selepas 19-02-2024.
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: [email protected]
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.
If any part of your Policy in connection with the provisions above is varied after the date of this Supplementary Schedule
but before 01-07-2024, 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
[email protected]. Jika mana-mana bahagian Polisi anda yang berkenaan dengan peruntukan-
peruntukan di atas diubah selepas tarikh Jadual Tambahan ini tetapi sebelum 01-07-2024, 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 [email protected].
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: [email protected]
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
34 711.59 59 1,342.39
35 736.00 60 1,452.25
36 762.64 61 1,572.96
37 791.50 62 1,706.15
38 791.50 63 1,785.29
39 800.70 64 1,950.95
40 825.32 65 2,124.89
41 849.14 66 2,719.24
42 875.99 67 2,947.90
43 875.99 68 2,996.06
44 875.99 69 3,242.82
45 875.99 70 3,846.54
46 907.28
47 947.70
48 947.70
49 999.82
50 1,059.19
51 1,074.20
52 1,136.63
53 1,136.63
54 1,161.16
55 1,209.85
56 1,209.85
57 1,216.85
58 1,245.07
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: [email protected]
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: [email protected]
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: [email protected]