HealthEnrichTHE MEDICAL PLAN THAT DEFINES YOU

HealthEnrich is Uniquely You

Your health is a privilege and you deserve a plan that reflects your medical needs. At Prudential BSN Takaful Berhad (PruBSN), we want you to live your life without compromising your health.

HealthEnrich is designed to ensure you experience unparallelled medical treatment, fully covered. Feel secure when you receive medical advice from leading experts around the world. Be at ease during pregnancy with our exclusive maternity complications coverage. You can also enjoy the comfort and privacy of a suite with a dedicated medical attendant taking care of your needs.

All these features and more crafted to complement your unique lifestyle.

Now, let’s discover your lifestyle.

Are You...

YOUNG AND LOOKING FOR FREEDOM IN LIFE?

DEDICATED AND TAKING MORE COMMITMENTS IN LIFE?

A HIGH ACHIEVER AND SEEKING FOR THE BEST IN LIFE?

ACCOMPLISHED AND LIVING A DISTINGUISHED LIFESTYLE?

Start Early

Fulfil Life

Take the Lead

Enjoy Exclusive Privileges

HealthEnrich Vital

Start Early withHealthEnrich Vital

The moment is here for you to stand on your own feet. Start early with a plan that provides vital medical protection and suits your vibrant lifestyle.

MEDICAL TREATMENTthat is within easy reach at our nationwide network of

SECURITY when you explore theworld knowing thatyou are covered worldwide

FLEXIBILITY to upgrade the plan as your needs grow with your changing lifestyle

70 hospitalsHealthEnrich Vital gives you...

HealthEnrich Vital

Co-Takaful

If You are Hospitalised

Hospital Daily Room and Board (maximum 120 days per year) RM150

Intensive Care Unit (maximum 30 days per year)As charged subject to Co-Takaful

Surgical Procedure and Treatment

In-Hospital and Related Services

If You Need Outpatient Treatment

Day Surgery As charged

Pre-Hospitalisation and Post-Hospitalisation Treatment (within 90 days before and after hospitalisation)

As charged subject to Co-Takaful

If You are Coping with Life-changing Illnesses

Cancer Treatment As charged

If You are in an Emergency

Emergency Treatment for Accidental Injury (Annual Limit) RM1,500

Worldwide Emergency Medical Assistance Yes

Overall Annual Limit RM30,000

Lifetime Limit RM300,000

HealthEnrich Select

Fulfil Life withHealthEnrich Select

Your lifestyle changes when you have a family. Select a plan that fulfils life with optimum protection and satisfies your growing responsibilities.

HealthEnrich Select offers you...

COMPREHENSIVEhospitalisation and surgical cover

Unique benefits for the COMFORT ofEXPECTING MOTHERS

FULL COVER for your MEDICAL BILLS giving you added security and peace of mind

MEDICAL BILL

PAID

HealthEnrich Select

Co-Takaful Full Coverage

If You are Hospitalised

Hospital Daily Room and Board (maximum 200 days per year)

RM200 RM200

Intensive Care Unit (maximum 60 days per year)As charged subject to Co-Takaful

As chargedSurgical Procedure and Treatment

In-Hospital and Related Services

If You Need Outpatient Treatment

Day Surgery As charged

As chargedHome Nursing Care (180 days per lifetime) As charged

subject to Co-Takaful

Pre-Hospitalisation and Post-Hospitalisation Treatment (within 90 days before and after hospitalisation)

If You are Coping With Life-changing Illnesses

Cancer TreatmentAs charged As charged

Kidney Dialysis Treatment

If You are in an Emergency

Maternity Complications (Annual Limit) RM6,000 RM6,000

Emergency Treatment for Accidental Injury (Annual Limit)

RM2,000 RM2,000

Worldwide Emergency Medical Assistance Yes Yes

Overall Annual Limit RM60,000 RM60,000

Lifetime Limit RM600,000 RM600,000

HealthEnrich Advanced

Take the Lead withHealthEnrich Advanced

You progress so quickly in life that you seldom pause and think about your future healthcare needs. Take the lead with a plan that provides advanced protection and fulfils your hectic lifestyle.

HealthEnrich Advanced provides you...

EASY ADMISSION with pre-arrangedhospitalisation and waiver of hospital deposit at our Preferred Hospitals

DIRECT CONSULTATIONwith leading local and international medical experts

REWARDS for healthy livingwith a NO CLAIM BONUS under the co-takaful option

HealthEnrich Advanced

HealthEnrich Advanced

Co-Takaful Full Coverage

Reward for Healthy Living

No Claim Bonus RM250 Not offered

If You are Hospitalised

Hospital Daily Room and Board (maximum 200 days per year)

RM300 RM300

Hospital Daily Cash Allowance (maximum 200 days per year)

RM100 RM100

Intensive Care Unit (maximum 60 days per year)As charged subject to Co-Takaful

As chargedSurgical Procedure and Treatment

In-Hospital and Related Services

Hospital Deposit at Preferred Hospitals Waived Waived

If You Need Outpatient Treatment

Day Surgery As charged

As chargedHome Nursing Care (250 days per lifetime)

As charged subject to Co-Takaful

Pre-Hospitalisation and Post-Hospitalisation Treatment (within 90 days before and after hospitalisation)

If You are Coping With Life-changing Illnesses

Second Medical Opinion• ConsultationandDiagnosisinMalaysia

(Annual Limit)• ConsultationwithWorldLeadingExperts

RM500

Yes

RM500

Yes

Cancer TreatmentAs charged As charged

Kidney Dialysis Treatment

Organ Transplant (Additional Lifetime Limit) RM100,000 RM100,000

If You are in an Emergency

Maternity Complications (Annual Limit) RM10,000 RM10,000

Emergency Treatment for Accidental Injury (Annual Limit)

RM3,000 RM3,000

Worldwide Emergency Medical Assistance Yes Yes

Overall Annual Limit RM100,000 RM100,000

Lifetime Limit RM1,000,000 RM1,000,000

HealthEnrich Premier

Enjoy Exclusive Privileges withHealthEnrich Premier

You want to experience the finest things in life while living healthily. Enjoy exclusive privileges with a plan that offers superior protection and addresses your prominent lifestyle.

HealthEnrich Premier offers you...

LUXURIOUS ACCOMMODATION in a suite and exclusive treatment at our Preferred Hospitals nationwide

A DEDICATED MEDICALATTENDANT to meetyour every need

SUPERIOR HOSPITALISATION LIMITS

for your medical needs

Min

imum

Average M

aximum

HealthEnrich Premier

Full Coverage

If You are Hospitalised

Hospital Daily Room and Board (maximum 365 days per year)• Preferred Hospitals• Otherhospitals

RM1,000RM500

Hospital Daily Cash Allowance (maximum 365 days per year) RM200

Dedicated Daily Medical Attendant (maximum 365 days per year) RM200

Intensive Care Unit (maximum 120 days per year)

As chargedSurgical Procedure and Treatment

In-Hospital and Related Services

Hospital Deposit at Preferred Hospitals Waived

If You Need Outpatient Treatment

Day Surgery

As chargedHome Nursing Care (365 days per lifetime)

Pre-Hospitalisation and Post-Hospitalisation Treatment (within 90 days before and after hospitalisation)

If You are Coping With Life-changing Illnesses

Second Medical Opinion• ConsultationandDiagnosisinMalaysia(AnnualLimit)• ConsultationwithWorldLeadingExperts

RM1,000Yes

Cancer TreatmentAs charged

Kidney Dialysis Treatment

Organ Transplant (Additional Lifetime Limit) RM200,000

If You are in an Emergency

Maternity Complications (Annual Limit) RM20,000

Emergency Treatment for Accidental Injury (Annual Limit) RM5,000

Worldwide Emergency Medical Assistance Yes

Overall Annual Limit RM200,000

Lifetime Limit RM4,000,000

What you need to know about HealthEnrich

1. What is HealthEnrich?

HealthEnrich is a regular contribution medical rider plan that reimburses major medical expenses incurred in the event of hospitalisation, surgery or outpatient treatment. It has four plans – HealthEnrich Vital, HealthEnrich Select, HealthEnrich Advanced and HealthEnrich Premier – where each comes with a medical card to give you immediate access to any of our panel hospitals.

2. How much contribution do I need to pay?

The contribution that you pay is based on your age at entry and does not increase as you get older. The contribution rates are available in Appendix 2.

3. What is Organ Transplant benefit?

Organ Transplant benefit is an additional lifetime limit when you undergo one of the transplant surgeries on kidney, heart, lung, liver, bone marrow or cornea. This additional once-in-a-lifetime benefit is on top of the annual limit and lifetime limit for HealthEnrich Advanced and HealthEnrich Premier.

4. What are the advantages of Cancer Treatment and Kidney Dialysis Treatment?

You can seek treatments such as hemodialysis, radiotherapy and chemotherapy at our panel hospitals using the medical card without any payment of co-takaful. On top of that, HealthEnrich covers any consultations, examination tests and take-home drugs.

5. What are the options available for HealthEnrich?

OptionsHealthEnrich

VitalHealthEnrich

SelectHealthEnrich

AdvancedHealthEnrich

Premier

Entry Age20 gestational

weeks to 45 years old

20 gestational weeks to

70 years old

14 days to 70 years old

14 days to 70 years old

Expiry Age25, 70 or

80 years old25, 70 or

80 years old25, 70 or

80 years old25, 70 or

80 years old

Cost-sharing

Co-takaful only

Co-takaful or Full Coverage

Co-takaful or Full Coverage

Full Coverage only

6. What are the charges and deductions involved in HealthEnrich?

The details of charges and deductions are listed in the table below.

Type of Charges and Deductions

Details

Upfront wakalah charge

This charge allows us to pay commission and distribution related expenses as well as management expenses. The percentage below is based on term 20 years or more. For term less than 20 years, you may refer to the Plan Illustration.

Certificate year 1 2 3 4 5 & 67 &

above

Upfront wakalah charge

60% 60% 50% 30% 20% 0%

Tabarru’ We deduct an amount each month from your protection account based on your age, health status, occupation (if applicable), and amount of coverage for the duration of the coverage.

What is Day Surgery Benefit?

Hospital admissions are costly and at times unnecessary. Hospitalisation means more costs such as admission fee, room and board, nursing care and meals. Although we need rest to recover, hospitals are not always as comforting as our own homes.

One of the uniqueness of HealthEnrich is the Day Surgery benefit. No matter which plan you choose, Co-Takaful or Full Coverage, this benefit fully covers the cost of your surgeries or treatments.

Also, with the Day Surgery benefit, you can recuperate in the comfort of your home on the same day. You do not have to stay overnight at a hospital and worry about exhausting your medical coverage. You can undergo radiotherapy, haemodialysis or chemotherapy as outpatient under this convenient plan.

It also covers*:1. Gastroscopy/Endoscopy2. Colonoscopy3. Angiography4. I & D of abscess except wide excision5. Cataract extraction6. Excision of breast nodule/lump except wide excision7. Dilatation & Curettage8. Diagnostic laparoscopic procedure9. Removal of foreign body10. Excision of Chalazion/Pterygium11. Radiotherapy12. Diagnostic Bronchoscopy13. Removal of Ganglion/fibroma14. Diagnostic cystoscopy15. Insertion of Chemoport/Hickman line16. AV fistula creation17. Lump – Excision biopsy (all types)18. Removal of warts19. Closed manipulation of fracture20. Injection of Trigger finger21. Intra-articular injection of joints22. Corrective surgery for blepharoptosis not

related to congenital/cosmetic23. Haemodialysis24. Suture and other operations on tendons and

tendon sheath25. Chemotherapy26. Arthroscopic knee evaluation/

aspiration/joint toilet27. Carpal tunnel release

* You may undergo any other day surgery or treatment that is not listed above as advised by your doctor. Please refer to the certificate document for further information.

Important Notes

1. This brochure does not form a contract between you and PruBSN. Please refer to the Plan Illustration and Product Disclosure Sheet before participating in the plan. The full Terms and Conditions are set out in the certificate documents. Please ask for a sample of the Terms and Conditions should you need detailed information of the plan.

2. For HealthEnrich, you are entitled to medical tax relief in respect of your contributions of up to RM3,000 a year. Any tax relief is subject to the terms and conditions of the Inland Revenue Board (IRB).

3. You should continue paying your contributions regularly until the maturity of your plan to ensure that you are fully protected under the plan at all times. Failing to do so may cease your coverage prematurely. Coverage to expiry age is subject to the Protection Unit Account (PUA) being sufficient for deduction of Tabarru’ and applicable charges.

4. HealthEnrich is a guaranteed renewable plan. The contribution is level but it is not guaranteed. PruBSN reserves the right to revise the contribution rates and/or Tabarru’ by giving 30 days written notice. The rates may be revised due to unfavorable circumstances such as medical cost inflation. Any changes in contributions and/or Tabarru’ will only take effect on the next certificate anniversary.

5. HealthEnrich does not provide any benefit amount from the Tabarru’ Fund on termination, expiry or maturity of certificate.

6. Co-takaful is a cost-sharing arrangement under which the participant pays a specified percentage of the cost of an eligible benefit. If co-takaful is selected, participant will have to pay 10% of the cost of an eligible benefit, subject to minimum co-takaful amount of RM400 and maximum co-takaful amount of RM2,000. No minimum co-takaful amount applies for benefits under If You Need Outpatient Treatment.

7. The full coverage plan requires no payment from the participant in respect of bills for covered medical conditions subject to limits in each plan and terms and conditions as stated in the certificate documents.

8. Preferred Hospitals are selected hospitals that will provide complimentary services to preferred customers who take up plan HealthEnrich Advanced or HealthEnrich Premier. Please refer to PruBSN website for the current list of Preferred Hospitals.

9. You can only seek Second Medical Opinion when you are diagnosed with one of the covered critical illnesses.

10. HealthEnrich is based on Wakalah Bil Ajr model which is an arrangement for PruBSN to manage your takaful plan. Your contribution will be placed into the PUA after deducting a wakalah charge which constitutes the fee for the overall management services provided. The takaful protection comes from the Tabarru’ Fund.

11. Tabarru’ means a donation of a specified portion from the contribution into the Tabarru’ Fund for the purpose of mutual aid and assistance among fellow participants according to the agreed benefits under the plan.

12. You are entitled to receive any distributable surplus inclusive of investment profit (if any) at the end of each financial year. Together with other participants, you are entitled to at least 50% of the surplus and PruBSN will receive the balance of up to 50% as incentive for managing the Tabarru’ Fund. Your portion of the distributable surplus will be placed back into your PUA. The exact amount of distributable surplus will be determined annually and is subject to approval by both the Shariah Committee and the Board of Directors of PruBSN.

Exclusions

HealthEnrich does not cover any hospitalisation, surgery or charges caused directly or indirectly, wholly or partly, by any one of the following occurrences:

1. Pre-existing condition.

2. Specified illnesses during the first 120 days of cover.

3. Any medical or physical conditions arising within 30 days from the date of coverage or date of reinstatement, except for accidental injuries.

4. Cosmetic surgery, circumcision, eye examination, glasses, lens, Lasik and the use of prosthetic and medical devices.

5. Dental conditions including treatment or oral surgery to natural teeth except as necessitated by accidental injuries.

6. Experimental surgery or elective procedures except as a result of accidental injury, surgery or illness.

7. Bed rest, illegal drugs, intoxication, sterilisation, AIDS, HIV, all sexually transmitted diseases requiring quarantine by law.

8. Any treatment or surgery for congenital conditions including hereditary conditions.

9. Treatments or procedures relating to pregnancy or childbirth and its complications, prenatal or postnatal care except all those stated in certificate document and, miscarriage, abortion, any contraceptive methods of birth control, treatments pertaining to infertility or erectile dysfunction and impotence.

10. Routine medical examinations, hospitalisation solely for investigatory purposes/diagnostic imaging not coincidental to treatment of covered disability or any treatments, medicines or examinations deemed not medically necessary or preventive in nature and treatments specifically for weight reduction or gain example sleeve gastrectomy.

11. Suicide, attempted suicide or self-inflicted bodily injury while sane or insane.

12. Any injury or illness caused by any act of war, any violation or attempted violation of the law or to resist arrest, direct participation in riot, strike and civil commotion.

13. Ionising radiation or radioactive contamination from any nuclear fuel or waste from nuclear fission or any nuclear materials.

14. Expenses incurred by donor or covered person for donation of any body organ and all costs of organ acquisition and its complications.

15. Investigation and treatment of sleep and snoring disorders, treatment of abnormal perspiration, therapy of hormone replacement, stem cells, hyperbaric oxygen therapy, chiropodist consultation and treatment, chiropractic services, aromatherapy and any form of alternative therapies.

16. Care or treatment for which payment is not required or to the extent which is payable by other Takaful operators or indemnity covered under the Workman’s Compensation Takaful Contract.

17. Psychiatric, mental or nervous disorders and those due to senile disorders.

18. Expenses of non-medical services including but not limited to television, telephone, broadband, electricity bill, radio or admission kit except all those stated in certificate document.

19. Sickness or injury arising from any kind of racing, hazardous sports, aerial flights except as a crew member or a fare-paying passenger, or on a licensed passenger-carrying commercial aircraft operating on a regular scheduled route.

20. Expenses incurred for sex changes or gender transformation.

21. Any insect bite including mosquito bites and worm infestation during the waiting period.

22. Charges which are not within Reasonable and Customary Charges or charges incurred after the Expiry Date.

The exclusion and limitations above are not exhaustive and you should refer to the certificate document for further information.

Appendix 1

List of Maternity Complications

1. Disseminated Intravascular Coagulation

2. Ectopic Pregnancy

3. Hydatidiform Mole

4. Postpartum Hemorrhage Requiring Hysterectomy

5. Eclampsia

6. Amniotic Fluid Embolism

7. Pulmonary Embolism of Pregnancy

8. Toxaemia of Pregnancy

Appendix 2

Annual Contribution Rates for HealthEnrich Select for Expiry Age 70.

Entry AgeCost-sharing Options

Co-Takaful (RM) Full Coverage (RM)

1 – 15 808 995

16 818 1,004

17 830 1,014

18 841 1,023

19 852 1,056

20 863 1,089

21 882 1,118

22 901 1,147

23 920 1,177

24 939 1,206

25 958 1,235

26 976 1,265

27 995 1,294

28 1,013 1,323

29 1,031 1,353

30 1,049 1,382

31 1,083 1,412

32 1,101 1,441

33 1,115 1,470

34 1,130 1,500

35 1,144 1,529

36 1,177 1,577

37 1,210 1,626

38 1,242 1,674

39 1,312 1,722

40 1,352 1,770

Entry AgeCost-sharing Options

Co-Takaful (RM) Full Coverage (RM)

41 1,396 1,829

42 1,446 1,887

43 1,516 1,946

44 1,585 2,005

45 1,654 2,063

46 1,742 2,182

47 1,828 2,302

48 1,963 2,421

49 1,988 2,540

50 2,057 2,660

51 2,125 2,710

52 2,193 2,760

53 2,261 2,810

54 2,329 2,860

55 2,396 2,910

56 2,480 3,001

57 2,564 3,093

58 2,646 3,185

59 2,730 3,276

60 2,812 3,368

The contribution rates are for a standard risk of occupation class 1 and 2. The contribution rates for occupation class 3 and 4 are 1.25 and 1.5 times more than the contribution rates for occupation class 1 and 2 respectively. The rates are subject to underwriting. Your actual contribution amount shall depend on your age (based on Age Next Birthday), health status, occupation class, plan type and duration of coverage. For HealthEnrich contribution rates with other combinations of plan, expiry age and cost-sharing options please refer to www.prubsn.com.my.

HealthEnrich is a Shariah-compliant product.

Prudential BSN Takaful Berhad is a registered Takaful Operator under the Islamic Financial Services Act 2013 and is regulated by Bank Negara Malaysia.

For more information/enquiries, please contact:

PRUDENTIAL BSN TAKAFUL BERHAD (740651-H)Level 8A, Menara Prudential, No. 10, Jalan Sultan Ismail, 50250 Kuala Lumpur.

Tel: (03) 2053 7188 Fax: (03) 2072 6188 E-mail: customer@prubsn.com.my SMS PruBSN and send to 33080

You can also log on to www.prubsn.com.my

Important: You must ensure that you are satisfied that this product will best serve your needs and that the contribution payable under the certificate is an amount you can afford.

All information is correct at the time of print.� Printed 1 November 2013