The company will not pay benefits according to this rider in the event of the chronic disease, injury, or illness (include any complication) that still exists before this rider becomes effective for the first time, except:

1.The insured has informed the company, which accepts the risk and agrees to underwrite it without exclusion,or,

2.The chronic disease, injury, or illness (include any complication) fails to show the noticeable symptoms and has never been examined or diagnosed by physician, or the insured has never visited or consulted with the physician in a period of 5 years before the rider becomes effective for the first time, and within a period of 3 years after this rider becomes effective for the first time.

Waiting Period Inpatient Hospitalization 5 Insurance Plan (Inpatient Hospital Coverage)

The company will not pay benefits defined under this rider for:

1.Any illness that occurs during the waiting period of 30 days after the effective date of this rider, or the date that the company has approved to increase the benefit amounts of this rider, whichever occurs later or,

2.Any of the following illnesses that occur during the waiting period of 120 days after the effective date of this rider, or the date that the company has approved to increase the benefit amounts of this rider, whichever occurs later:

• Tumor, Cyst, or all types of cancer

• Hemorrhoid

• All types of hernia

• Pterygium or Cataract

• Tonsillectomy or Adenoid

• All types of stone diseases

• Varicose veins in the leg

• Endometriosis

If the company approves an increase in benefits, only the increased benefits will not be covered. The waiting period for pre-existing conditions, as mentioned, shall not apply, and the company will provide coverage if the insured suffers an injury or requires emergency surgery unrelated to any pre-existing conditions.

Waiting Period under Outpatient Benefit Endorsement attached to Inpatient Hospitalization 5 Insurance Plan (Inpatient Hospital Coverage)

The company will not pay benefits defined under this endorsement for any illness that occurs during the waiting period of 30 days after the effective date of this endorsement, or the date that the company has approved to increase the benefit amounts of this endorsement, whichever occurs later.

The following are some examples of exclusions*

• Condition arises due to functional birth defect or structural birth defects, or genetic disorder, abnormal physical development, unless this supplementary contract has been in effect for more than 1 year and the symptom occurs after the insured reaches 16 years of age.

• Cosmetic surgery or treatment, or treatment for skin problems, acne, melasma, freckles, dandruff, hair loss or body weight control, or any optional surgery except for wound care and dressing caused by covered accidents.

• Pregnancy, miscarriage, abortion, delivery, pregnancy complications, fertility and infertility treatment (including evaluation), sterilization or contraception.

• AIDS or venereal disease or sexually transmitted diseases.

• Drugs, cigarettes, alcohol or psychoactive substances addiction treatment or rehabilitation.

*Please refer to the insurance policy for complete details of exclusions.

If you have questions about insurance or are experiencing any problem, please submit your complaint to:

1. Customer Service Center

      Prudential Life Assurance (Thailand)

      944 Mitrtown Office Tower,10th, 29th - 31st Floor,

      Rama 4 Road, Wangmai, Pathumwan, Bangkok 10330, Tel 1621 (during office hours)

     Fax 0 2353 4888, email: hotline@prudential.co.th

2. Office of Insurance Commission (OIC), Hotline 1186

• This is a life insurance product. It is not a bank deposit. To get the maximum benefits from insurance policy, the insured should continuously pay the premium through to the end of the premium payment period and holds the policy until the end of the policy contract. If the policy is terminated before the end of the contract, the insured may not receive cash benefit in the amount equivalent to the maximum policy benefit he/she is entitled to, or in the amount equivalent to all premiums paid.

• The insured is responsible for paying the premium. An insurance agent who accepts a premium payment from the insured does so solely for the purpose of providing service to the life assured.

• The buyer should understand coverage details and conditions thoroughly before deciding to buy an insurance.

• “PRUBetter Care – IPD Protect” is the marketing name of “Inpatient Hospitalization 5 Insurance Plan (Inpatient Hospital Coverage)”

• “PRUBetter Care – OPD Protect” is the marketing name of “Outpatient Benefit Endorsement attached to Inpatient Hospitalization 5 Insurance Plan (Inpatient Hospital Coverage)”

Both rider and endorsement premiums will be adjusted based on age and occupation class of the life assured, according to the conditions defined in the policy.