PRUGroup Health

 Important Notes

1. PRUHealth is a one-year term policy and is not guaranteed

2. For Juvenile (age between 6yrs to 18yrs), consent from parents or guardian is

3. For age between 65 yrs to 75 yrs, medical examinations will be required at the customer's own expense and will be subject to the company's approval.

4. You should satisfy yourself that this policy will best serve your needs and that the payment payable under the policy is an amount that youcanafford before making a decision.

Exclusions.

Conditions whereby this plan's benefits may not be payable.

• Any existing diseases that areunder treatment; or received recommendation from doctor to get treatment; or for any existing symptoms;

• Childbirth, C-sections, deliVery related surgery. For hospitalization and surgery due to pregnancy during the insured period such as Preeclampsia, gestational hypertension and gestational diabetes, will be ln addition, miscarriage benefit is payable if the Insured purchased optional coverage (1 ), if eligible;

• Psychosis and Mental Disorder;

• Hospitalisation due to medical check-up and rest;

• Fertility treatment;

• Dental surgery and treatment except due to accident;

• Optical examination, surgery and treatment except due to accident;

• Cosmetic/aesthetic surgery;

• Hearing aids and services related to fitting of hearing aids;

• Physical defect or infirmity;

• Drug or alcohol abuse;

• Criminal activity;

• AIDS/HIV;

• Terrorism, civil unrest, riots, hostilities or warlike operations (whether war be declared or not) civil war assuming the proportions of or amounting to popular rising, rebellion revolution, insurrection, military or usurped power or any act of any person acting on behalf of or in connection with any organization with activities directed towards the overthrow by force of the government de Jure or de facto or to the influencing of it by terrorism or violence or by the direct or indirect consequences of any of the said occurrences;

• Hospitalizations of less than 3 days for treatment of diseases;

• Fraudulent claims; and

• Suicide or self-inflicted

The Terms and Conditions stated in this brochure are non-exhaustive. Please refer to the exact terms and conditions, specific details and exclusions applicable to these insurance products in the Policy Contract that can be obtained from your Prudential Advisor.