Post on 10-Mar-2015
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
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•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 ?
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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
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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!