Medical Plus Solution

Please click on the product/riders for the exclusion lists:

• PRULink Cover

• PRUMillion Med Active with Active Booster

• PRUMillion Med 2.0 with PRUMillion Med Booster 2.0

• PRUValue Med

• PRUValue Med with PRUValue Med Booster

• Payor Basic

• Crisis Care

• This content contains only a brief description of the product and is not exhaustive. You are advised to refer to PRULink Cover Product Disclosure Sheet, Product Illustration and Fund Fact Sheet(s) for further information before purchasing a policy, and to refer to the terms and conditions in the policy contract for details of the features and benefits, exclusions and waiting periods under the policy.
• Medical Plus Solution is a package offered using PRULink Cover as the basic plan. Please note that the package here consists of components that can be bought separately and you are not obligated to select all components of this package.
• You should satisfy yourself that this product will best serve your needs and that the premium payable under the policy is an amount that you can afford. To achieve this, we recommend that you speak to your UOB Malaysia representative who will perform a needs analysis and assist you in making an informed decision. You may also contact the insurance company directly for more information.
• The rates of the insurance charges for basic plan are guaranteed, whereas rates for its attachable riders (if any) are not guaranteed and we reserve the right to revise them at policy anniversary by giving a 90-day prior notice to policy owners (except for medical and critical illness riders where a 30-day prior notice will be provided). If we increase the rates of the insurance charges, you may need to pay additional premiums or top-ups.
• You can surrender the policy at any time. However, if you terminate the policy in the early years, you may get back less than the amount you have paid in. Upon surrender, a surrender value will be payable and all the benefits under this plan will be terminated.
• There is a free-look period of 15 days after the policy has been delivered to you to allow you to review it if it meets your needs. If the policy is cancelled within this period, we will refund you the unallocated premiums, the value of units that have been allocated (if any) at unit price at the next valuation date, any insurance charge, taxes (if any) and other charges that have been deducted, less any medical fee incurred.
• PRULink Cover and its attachable riders (if any) are not Shariah-compliant products.
• Among other factors, non-payment of premiums may cause this policy to lapse. The policy coverage term shall depend on the target policy term option selected and is subject to the policy having sufficient value of units to cover all the policy charges. To ensure that the policy has sufficient value of units, additional premium is likely required during the policy term.
• For more information on the funds, please refer to their respective Fund Fact Sheets available on PAMB corporate website at www.prudential.com.my. You may also track the performance of your fund(s) by checking the unit prices published daily on the website.
• If you switch your current medical plan with another or from one provider to another, you may be subject to new underwriting requirements and waiting periods for the new plan.
• You must inform us of any change in your occupation, avocation or sports activities because it may affect the premiums, terms, conditions and benefits of the policy.
• Any age reference shall be on the basis of Age Next Birthday.
• Prudential Assurance Malaysia Berhad (PAMB) is a licensed insurance company under the Financial Services Act 2013 that is regulated by Bank Negara Malaysia.

PLEASE NOTE THAT THIS IS AN INSURANCE PRODUCT THAT IS TIED TO THE PERFORMANCE OF THE UNDERLYING ASSETS, AND IS NOT A PURE INVESTMENT PRODUCT SUCH AS UNIT TRUSTS.