The company will not provide coverage in the following cases:

1. Waiting Period for PRUSuper Health Guard

1.1        Any medical conditions arising out of any diseases during 30-day waiting period from the effective date of this supplementary contract, or on the date that the company has approved to increase the benefit amounts of this supplementary contract, whichever occurs later

1.2        Any of the following illnesses that occur during the 120-day period after the effective date of this supplementary contract, or on the date that the company has approved to reinstate this supplementary contract, 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)

2.Examples of Exclusions for PRUSuper Health Guard

2.1        Condition arises due to functional birth defect or structural birth defects, or genetic disorder, abnormal physical development.

2.2        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.

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

2.4        AIDS or venereal disease or sexually transmitted diseases.

2.5        Health check-up

However, the above are only part of the exclusions. Please study additional exclusions in the policy.

• This is a life insurance product, not a bank deposit. To get the maximum benefits from insurance policy, the applicant 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 applicant 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 premium. An insurance agent or broker that accepts a premium payment by the insured is solely for the purpose of providing service to the insured.

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

• PRUSuper Health Guard is a marketing name of the life insurance plan Special Health Rider 2 (HS4) (One-year Coverage period).

• The company may adjust the premium on the policy anniversary date based on age and occupation class change of the insured person and/or increasing of medical expenses and/or claims experience portfolio under this rider which have been approved by the registrar, and the company will send prior written notice to the insured at least 30 days.