Employee

Benefits

Solutions

We started in England 160 years ago

1Prudential Head Office- Holborn Bars, London (1879)

� 15 million customers in Asia

� 13 life operations

� 7 countries with Top 3 positions

- China

- Hong Kong

ASIA

�

Over 80 years in Asia

2

- Hong Kong

- India

- Indonesia

- Malaysia (1°°°° insurer achieved 1 Billion)- Singapore

- Vietnam

among foreign players

Over 80 years in Asia

�

Asia’s leading European-based life

insurer with life insurance and fund

management operations in 13 Asian

markets

All figures as at 30 September 2010

More than 25 million customers worldwide

Why Employees Benefits Solution?

RETENTION“Do you think that your company will be interested in improving their employees retention rates?”

EXTRA MILES FOR EMPLOYEES“Will you be pleasantly surprise if your company have an agreement with Prudential which allow

GOOD WILL“Do you want your employees to feel

ATTRACT QUALITY STAFF“Do you believe better package easier to

attract better staff?”

3

PEACE OF MIND“Will your company wants to see your

employees seek for help every where when come to Death, Critical illness and

hospitalized?”

have an agreement with Prudential which allow employees to buy a family insurance package ?”

“Do you want your employees to feel proud and happy of the company?”

HELP EMPLOYEES TO SAVE MONEY“Ever heard of a plan which can cover a family of

four with less than RM200.00 a month ?”

Prudential Employee Benefit Solution

•Group Insurance •Worksite Marketing

4

•Group Insurance

•1.Based on company’s budget

•2.Based on employee's ranking

•Company pay premium in group

rate

•Worksite Marketing

•1.Based on employee’s

individual need

•2.Not limit by ranking

•Employees pay premium in

group rate (30%-50% cheaper

compare individual plan)

PARTNERSHIP

5

PRUDENTIAL Is Inviting You

To Be Strategic Alliance Partner

PARTNERSHIP

Special Highlights

1. 1. Complete Coverage For The Complete Coverage For The

Family At An Affordable Premium Family At An Affordable Premium

Why PRUguard my family ?

6

2. 2. SavingsSavings With Guaranteed With Guaranteed

DividendsDividends

3. 3. Portable CoveragePortable Coverage

4. 4. PeacePeace Of MindOf Mind

(Level Premium)(Level Premium)

Prudential Employee Benefits Solution

7

What benefits for the Employees?What benefits for the Employees?

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� Convenient (you choose your own plan at your work place)

� Can pay via credit card , auto debit, cash/cheque

� Affordable monthly premium (as low as RM18.15 a month)

� Own choice

� Extend coverage for spouse & dependant children

� Portable - Coverage continue after leavingCoverage continue after leaving

� Level premium

� Guaranteed dividends

Zeta/ 10 years old

Monthly RM36.69

RM1.20 per day

Zeta/ 10 years old

Monthly RM36.69

RM1.20 per day

Sarina / 32 years oldSarina / 32 years old

Azmin / 35 years old

Monthly RM57.24

RM1.90 per day

Azmin / 35 years old

Monthly RM57.24

RM1.90 per day

Details of coverage for each family member

(Amount claimable per event)

Flex-on Start from minimum of 3 units to maximum of 50 units (1 units = RM11,000 Sum Assured)

Flex-on

Complete

3 units

Natural Death RM33,000

36 Types of Critical Illnesses RM33,000

Accidental Death RM66,000

Accidental Death(Travelling in any public conveyance)

RM99,000

Total Permanent Disability RM33,000

10

Sophia/ 6 years old

Monthly RM36.69

RM1.20 per day

Sophia/ 6 years old

Monthly RM36.69

RM1.20 per day

Sarina / 32 years old

Monthly RM57.24

RM1.90 per day

Sarina / 32 years old

Monthly RM57.24

RM1.90 per day

Total Permanent Disability(Due to natural causes)

RM33,000

Total Permanent Disability(Due to accidental means)

RM66,000

Total Permanent Disability(Travelling in public conveyance)

RM99,000

Partial Permanent Disability(Accidental – according to scale of benefits)

RM33,000

Compassionate Allowance(Natural Death)

RM5,000

Compassionate Allowance (Accidental Death)

RM10,000

Hospital Benefit(RM30 per unit)

RM90 per day

Step 1 Amount Claimable Per Event

Flex-on Start from minimum of 3 units to

maximum of 50 units

(1 units = RM11,000 Sum Assured)

Flex-on

Complete

3 units

Flex-on

3D plus

3 units

Flex-on

3D

3 units

Flex-on

2D plus

3 units

Flex-on

2D

3 units

Natural Death RM33,000 RM33,000 RM33,000 RM33,000 RM33,000

36 Types of Critical Illnesses RM33,000 RM33,000 RM33,000

Accidental Death RM66,000 RM66,000 RM33,000 RM66,000 RM33,000

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Accidental Death(Travelling in any public conveyance)

RM99,000 RM99,000 RM33,000 RM99,000 RM33,000

Total Permanent Disability(Due to natural causes)

RM33,000 RM33,000 RM33,000 RM33,000 RM33,000

Total Permanent Disability(Due to accidental means)

RM66,000 RM66,000 RM33,000 RM66,000 RM33,000

Total Permanent Disability(Travelling in public conveyance)

RM99,000 RM99,000 RM33,000 RM99,000 RM33,000

Partial Permanent Disability(Accidental – according to scale of benefits)

RM33,000 RM33,000 RM33,000

Compassionate Allowance(Natural Death)

RM5,000 RM5,000 RM5,000

Compassionate Allowance (Accidental Death)

RM10,000 RM10,000 RM10,000

Hospital Benefit

(1 unit = RM30 per day)

RM90 per day

Step 1 Monthly Premium Rate (RM)

Flex-on Start from minimum of 3 units to

maximum of 50 units

(1 units = RM11,000 Sum Assured)

Flex-on

Complete

3 units

Flex-on

3D plus

3 units

Flex-on

3D

3 units

Flex-on

2D plus

3 units

Flex-on

2D

3 units

Age Band (Age Next Birthday)

RM RM RM RM RM

01 – 15 36.69 31.02 28.05 21.12 18.15

16 – 25 44.37 37.29 34.32 23.43 20.46

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16 – 25 44.37 37.29 34.32 23.43 20.46

26 – 35 57.24 50.16 47.19 29.70 26.73

36 – 40 67.56 59.07 56.10 33.99 31.02

41 – 45 80.58 69.96 66.99 38.61 35.64

46 – 50 99.87 87.12 84.15 47.52 44.55

51 – 55 128.34 114.18 111.21 59.40 56.43

56 – 60 167.91 149.49 146.52 77.88 74.91

Step 2 Plus-on with optional Enhanced Benefits

Plus-on

Optional Enhanced Benefits

Flex-on

Complete

Flex-on

3D plus

Flex-on

3D

Flex-on

2D plus

Flex-on

2D

Option-1

PRUguard my medical(Comprehensive medical cover)

Yes Yes Yes Yes Yes

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(Comprehensive medical cover)

Option-2

PRUguard my lady(Coverage for female-related illnesses)

Yes Yes Yes Yes Yes

Plan

MM100

Plan

MM150

Plan

MM200

Plan

MM300

Plan

MM400

HOSPITAL & SURGICAL BENEFITS RM RM RM RM RM

Hospital Daily Room & Board {120 days per year} 100 150 200 300 400

Intensive Care Unit* {30 days per year}

Surgical*

In-hospital & Related Services*

OUT-PATIENT TREATMENT BENEFITS**

Pre-hospitalisation Treatment

As Charged

* For Hospital & Surgical Benefits (except Hospital Daily Room &

Board Benefit), you pay 10% of total eligible expenses subject to

Minimum Co-insurance Amount of RM300 and a Maximum Co-

insurance Amount of RM1,000. The Company pays the balance.

Pre-hospitalisation Treatment

{Within 30 days before hospitalisation}

Post-hospitalisation Treatment

{Within 90 days after hospital discharge}

Home Nursing Care {180 days per life-time}

Day Surgery

Cancer Treatment

Kidney Dialysis

Emergency Treatment For Accidental Injury

{Annual limit}

1,000 1,500 2,000 3,000 4,000

OVERALL ANNUAL LIMIT 50,000 62,500 75,000 100,000 150,000

LIFE-TIME LIMIT 500,000 625,000 750,000 1,00,000 1,500,000

EMERGENCY MEDICAL ASSISTANCE Yes Yes Yes Yes Yes

As Charged** For Out-patient Treatment Benefits, you pay

10% of total eligible benefits and the Company

pays the balance.

Plan

MM100

Plan

MM150

Plan

MM200

Plan

MM300

Plan

MM400

RM RM RM RM RM

Hospital Daily Room & Board 100 150 200 300 400

Get relief from financial headaches

caused by huge hospital bills!

Age Next

BirthdayRM RM RM RM RM

Procured my medical provides you with: 01 – 15 44.17 50.99 60.61 86.33 118.52

Guaranteed renewal 16 – 20 48.98 56.50 67.09 95.51 132.25

Day surgery – As charged 21 – 25 53.70 62.01 73.47 105.66 145.10

Out-patient Cancer Treatment & 26 – 30 58.51 67.52 79.94 114.84 157.96

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Out-patient Cancer Treatment &

Kidney Dialysis – As charged

26 – 30 58.51 67.52 79.94 114.84 157.96

Level premium 31 – 35 66.82 77.14 91.84 131.37 181.84

Very high Life-time limit 36 – 40 77.58 89.56 106.53 153.41 211.23

No restrictive surgical schedule 41 – 45 94.29 108.81 129.54 186.48 257.15

Home nursing care 46 – 50 117.03 135.05 161.64 232.39 320.56

Free choice of hospital & doctors 51 – 55 144.49 166.71 199.33 286.54 396.74

Cashless medical card 56 – 60 171.96 198.37 236.94 341.64 472.05

Emergency Treatment for Accidental Injury 1,000 1,500 2,000 3,000 4,000

Overall Annual Limit 50,000 62,500 75,000 100,000 150,000

Life-time Limit 500,000 625,000 750,000 1,00,000 1,500,000

Emergency Medical Assistance Yes Yes Yes Yes Yes

Example: Male, age 35,

C2 & smoker

PRUDENTIALPRUguard my family

CompetitorStand-alone Medical Plan

A. Medical Plan PRUguard my medical - 200 Medical Plan - 200

PREMIUM RATE Monthly RM Annual RM Monthly RM Annual RM Total Premium

31 – 35 91.84 1,102.08 48.00 (576.00 x 1) = 576

36 – 40 91.84 1,102.08 64.00 (768.00 x 5) = 3, 840

41 – 45 91.84 1,102.08 82.00 (984.00 x 5) = 4,920

46 – 50 91.84 1,102.08 106.00 (1,272.00 x 5) = 6,360

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51 – 55 91.84 1,102.08 120.00 (1,440.00 x 5) = 7,200

56 – 60 91.84 1,102.08 188.00 (2,256.00 x 5) = 11,280

61 – 65 91.84 1,102.08 312.00 (3,744.00 x 5) = 18,720

66 – 69 91.84 1,102.08 622.00 (7,464.00 x 4) = 29,856

70 91.84 1,102.08 x 36 652.00 (7,824.00 x 1) = 7,824

Total Premium Payable RM39,674 RM90,576 � PRU

Competitor - More

Expensive By

RM50,886.

Guaranteed Renewal YES YES � ±±±±

Level Premium YES NO � PRU

PRUguard my lady Plan

ML25

Plan

ML50

Plan

ML75

Plan

ML100

PRUguard my lady BENEFITS RM RM RM RM

Sum Assured 25,000 50,000 75,000 100,000

1st CATEGORY

100 % of Sum Assured

Female Related Cancers

- Cancer of the Breast, Cervix Uteri, Fallopian Tube, Ovary, Uterus and Vagina/Vulva

Systemic Lupus Erythematosus (SLE) with Lupus NephritisNote: Balance of 70% of the sum assured will be paid if 30% of the sum assured was paid in respect of claim for

any one of the events under the 3rd Category prior to the diagnosis of female related cancer or Systemic Lupus

Erythematosus (SLE) with Lupus Nephritis.

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Erythematosus (SLE) with Lupus Nephritis.

2nd CATEGORY

30 % of Sum Assured

Rheumatoid Arthritis with complications

Facial Reconstructive Surgery due to an Accident

Skin Grafting due to Burns

Skin Grafting due to Skin Cancer

Osteoporotic Fracture of the hip / vertebra

Breast Reconstructive Surgery due to Cancer of the Breast

3rd CATEGORY

30 % of Sum AssuredCarcinoma-in-situ of the breast

Carcinoma-in-situ of the cervix uteriNote: The amount payable in respect of the 3rd Category of the PRUguard my lady benefit shall not be payable

after claim has been made under the 1st Category of the PRUguard my lady benefit.

Application is subject to full underwritingPRUguard my lady benefit will cease when Policyholder has claimed up to 130% of the sum assured.

Plan

ML25

Plan

ML50

Plan

ML75

Plan

ML100

RM RM RM RM

Sum Assured 25,000 50,000 75,000 100,000

Waiting Period & Conditions Age Next

BirthdayRM RM RM RM

Waiting Period 120 days 16 – 25 20.60 41.20 51.17 61.14

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Waiting Period 120 days 16 – 25 20.60 41.20 51.17 61.14

Carcinoma-in-situ of the breast/cervix uteri 26 – 35 22.87 45.74 64.73 77.58

Waiting Period 60 days 36 – 40 25.67 51.34 74.17 93.76

Female related cancer 41 – 45 32.49 64.99 91.84 118.69

Skin grafting due to skin cancer 46 – 50 36.25 72.51 103.17 133.82

Breast reconstructive surgery 51 – 55 41.07 82.13 117.33 152.54

Waiting Period 30 days 56 – 60 49.93 94.99 149.13 175.89

SLE with lupus nephritis

Osteoporotic fracture of the hip/vertebra

Fund Performance

Year

Declared Quarterly Dividend rate

Annualized

Dividend

Rate (%)

Minimum

Annual

Dividend Rate

(%)Q1 Q2 Q3 Q4

2007 2.070% 2.700% 1.200% 1.450% 7.240% 1.400%

2008 0.330% 0.330% 0.330% 0.330% 1.330% 1.330%

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Notes:

(1) The asset mix within the Universal Life Fund is 75% bonds and 25% equities.

(2) The minimum annual dividend rate is based on the 12-month average savings account rate for the three largest local

commercial banks in Malaysia by share capital. The banks used as the point of reference for this computation are Maybank,

CIMB and Public Bank, who were the largest banks by share capital in 2007 and 2008.

(3) The quarterly dividend rate declared is taken as the minimum dividend rate or the smoothed return, whichever is higher.

This is a class of product that is specially designed for customers with lower risk appetite who are not comfortable with

taking on market risk. With the guarantee and smoothing mechanism of these products, policyholders will always enjoy a

smooth and positive return from their policies.

2008 0.330% 0.330% 0.330% 0.330% 1.330% 1.330%

2009 0.295% 0.330% 1.770% 1.640% 4.035% 1.180%

2010 1.920% 1.610% 2.010% 2.010% 7.550% 0.550%

RM4.00 per 1 unit

or ( RM11,000 basic sum assured )

annually for 10 years

RM2.00 per unit on ½ yearly payment

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RM2.00 per unit on ½ yearly payment

Minimum 50 policies issued for per SAP

Thank You!