Great Eastern Life Assurance (Malaysia) Berhad (93745-A)

(A member of the OCBC Group)

Customer Service Centre : Mezzanine Floor Menara Great Eastern
303 Jalan Ampang 50450 Kuala Lumpur
Customer Service Careline : 1300 - 1300 88
Email [email protected] Website greateasternlife.com

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MR MAGENTHARAU A/L ADIN NARAINA

207, JLN ALAM PUTRA 5, 1 April 2022
TMN ALAM PUTRA
SELANGOR
43300 SERI KEMBANGAN

Dear Valued Customer,

POLICY NUMBER : 0096391000
LIFE ASSURED : MAGENTHARAU A/L ADIN NARAINA

Thank you for your continued support towards Great Eastern Life Assurance (Malaysia) Berhad (“the Company”).

In view of the increasing medical cost and utilisation of medical services, we have to periodically review our medical plans to
ensure our valued customers continue to enjoy the comprehensive coverage of their medical plan. We are writing to inform
you of the following:-

Revision of Insurance Charges for IL Health Protector

The insurance charges of your medical plan will be revised, effective from the next policy anniversary falling on or after 1 July
2022 (“Effective Date”).

In view of the revision of insurance charges, we suggest that you increase your current premium as follows for better
sustainability of the policy:

Current Premium Suggested Premium Increment New Revised Premium

RM110.00* / Monthly RM30.00* / Monthly RM140.00* / Monthly

*For policies that are subject to service tax, the premiums are inclusive of the prevailing service tax.

Alternatively, you may consider increasing your current premium by any amount, subject to a minimum increase of
RM20/monthly, RM60/quarterly, RM120/half-yearly or RM240/yearly.

For e-Connect user, you may view/download the communications pack which comprises of the Schedule – Standard
Insurance Charge Rates Per Annum for IL Health Protector (“Schedule”) on the details of the insurance charges, relevant
Frequently Asked Questions (FAQ) and Appendix – Historical Insurance Charges for IL Health Protector in e-Connect under
My Document >> Important Notification and to authorise the increase in premium online latest by 1 October 2022.

For non e-Connect user, you are required to register at www.greateasternlife.com/my >> Personal Insurance >> Get Help
>> Customer Service >> e-Connect and download the communications pack.

The above-mentioned Schedule will take effect from the Effective Date and will form part of your policy. Kindly attach the
Schedule to your policy contract for future reference.

If you would like to review your existing coverage to suit your current protection and financial needs or if you require further
assistance, please contact your servicing agent. Alternatively, you can email us at [email protected] or contact
our Customer Service Careline at 03-4813 3928 or visit our branch office nearest to you.

Thank you.

Yours faithfully,

Jeffrey Yem
Chief Operations Officer

This is a computer-generated document and it does not require a signature.

MRRL1.1/V00/07-2022
Pelanggan yang Dihormati,

NOMBOR POLISI : 0096391000

HAYAT YANG DIASURANSKAN : MAGENTHARAU A/L ADIN NARAINA

Terima kasih atas sokongan berterusan anda terhadap Great Eastern Life Assurance (Malaysia) Berhad (“Syarikat”).

Dengan kenaikan kos perubatan dan penggunaan perkhidmatan perubatan, kami akan meneliti pelan perubatan kami secara
berkala bagi memastikan para pelanggan dapat terus menikmati perlindungan pelan perubatan yang komprehensif. Dengan
itu, kami ingin memaklumkan perkara berikut:-

Semakan Semula Caj Insurans bagi IL Health Protector

Caj insurans pelan perubatan anda akan disemak semula, berkuat kuasa daripada tarikh ulang tahun polisi berikutnya yang
jatuh pada atau selepas 1 Julai 2022 (“Tarikh Berkuat Kuasa”).

Memandangkan caj insurans anda akan disemak semula, kami mencadangkan agar anda menambah premium semasa
seperti berikut, bagi kelangsungan polisi yang lebih baik:

Premium Semasa Cadangan Penambahan Premium Baharu

Premium
RM110.00* / Bulanan RM30.00* / Bulanan RM140.00* / Bulanan

*Bagi polisi yang tertakluk pada cukai perkhidmatan, premium adalah termasuk cukai perkhidmatan semasa.

Sebagai alternatif, anda boleh mempertimbangkan penambahan premium semasa dengan sebarang amaun minimum
sebanyak RM20/bulanan, RM60/suku tahunan, RM120/setengah tahunan atau RM240/tahunan.

Bagi pengguna e-Connect, anda boleh dapati/muat turun komunikasi daripada kami yang terdiri daripada ‘Schedule –
Standard Insurance Charge Rates Per Annum for IL Health Protector (“Jadual”)’ untuk maklumat lanjut berkenaan caj
insurans, Soalan Lazim ‘Frequently Asked Questions’ yang berkaitan dan Lampiran ‘Appendix – Historical Insurance Charges
for IL Health Protector’ melalui e-Connect di bawah My Document >> Important Notification dan untuk memberi kebenaran
bagi penambahan premium secara atas talian selewat-lewatnya pada 1 Oktober 2022.

Jika anda bukan pengguna e-Connect, anda perlu mendaftar melalui www.greateasternlife.com/my >> Personal Insurance
>> Get Help >> Customer Service >> e-Connect dan muat turun komunikasi tersebut.

Jadual yang dinyatakan di atas akan berkuat kuasa daripada Tarikh Berkuat Kuasa dan membentuk sebahagian daripada
polisi anda. Sila lampirkan Jadual pada kontrak polisi anda untuk rujukan pada masa hadapan.

Sekiranya anda ingin menyemak semula perlindungan sedia ada untuk memenuhi keperluan perlindungan dan kewangan
anda atau jika anda memerlukan bantuan lanjut, sila hubungi ejen perkhidmatan anda. Sebagai alternatif, anda juga boleh
e-mel [email protected] atau hubungi Customer Service Careline kami di 03-4813 3928 atau kunjungi pejabat
cawangan terdekat.

Terima kasih.

Yang benar,

Jeffrey Yem
Ketua Pegawai Operasi

Dokumen ini adalah janaan komputer dan tidak memerlukan tandatangan.

Notes / Nota:
1. Kindly ignore this notice if the IL Health Protector attached to the above-mentioned policy has been terminated on or before the date of
this letter. / Sila abaikan notis ini jika IL Health Protector yang dilampirkan pada polisi yang dinyatakan di atas telah ditamatkan pada
atau sebelum tarikh surat ini.
2. Although the suggested premium increment is quoted based on the increased insurance charges of IL Health Protector (rounded to the
next RM10), it does not, in any way or in any manner, guarantee the sustainability of the above-mentioned policy. / Walaupun cadangan
penambahan premium dinyatakan berdasarkan peningkatan caj insurans IL Health Protector (dibulatkan kepada RM10 terhampir), ia
tidak menjamin kelangsungan polisi yang dinyatakan di atas, dengan sebarang cara atau keadaan.

Be our e-Connect user now!

-View Policy Information -Download Statements -Update Contact Details -Pay policy
-Change payment method, frequency & Switching Fund -Check Claims information

Login now at https://econnect-my.greateasternlife.com

MRRL1.1/V00/07-2022
Policy No.: 0096391000 Issue Date: 1 April 2022

SCHEDULE H

Standard Insurance Charge Rates Per Annum for IL Health Protector

Both Male and Female Lives

Male Female
Attained Age Next Insurance Charge Attained Age Next Insurance Charge
Birthday On Rate Per Annum Birthday On Rate Per Annum
Preceding (Or Preceding (Or
IL-HP IL-HP IL-HP IL-HP IL-HP IL-HP IL-HP IL-HP
Coincident) Coincident)
100 150 200 300 100 150 200 300
Policy Anniversary * Policy Anniversary *
1-19 435 508 569 705 1-19 473 551 592 705
20-25 497 586 681 853 20-25 586 688 785 952
26-30 548 642 716 900 26-30 662 780 891 1,077
31-35 595 706 787 988 31-35 735 877 1,000 1,168
36-40 729 824 912 1,152 36-40 831 988 1,126 1,319
41-45 908 1,036 1,148 1,504 41-45 1,004 1,198 1,314 1,601
46-50 1,069 1,222 1,346 1,777 46-50 1,144 1,313 1,444 1,838
51-55 1,642 1,885 1,975 2,434 51-55 1,476 1,782 1,876 2,299
56-60 2,000 2,332 2,424 2,977 56-60 1,734 1,998 2,100 2,694
61-65 2,503 3,036 3,310 4,078 61-65 2,315 2,702 2,809 3,610
66-69 3,780 4,597 5,006 6,184 66-69 3,625 4,204 4,408 5,684

* On Date of Insurance Charge Deduction

Note:
Insurance Charge for Policy Month
= Insurance Charge Rate Per Annum ÷ 12

MRR-ILHP/V00/07-2022
Frequently Asked Questions (FAQ) – IL Health Protector

1. When will the new insurance charges take effect?

The new insurance charges will take effect from your next policy anniversary falling on or after 1 July 2022.
Example:
a) Policy Anniversary – 1 July 2022, new insurance charges / premium take effect from 1 July 2022.
b) Policy Anniversary – 1 October 2022, new insurance charges / premium take effect from 1 October 2022.

2. How is the suggested premium increment quoted?

The suggested premium increment is quoted based on the increased insurance charge of IL Health Protector; it does not
take into account any future policy amendments (i.e., increase in sum assured, attachment of additional riders and partial
withdrawals) and hence it does not guarantee the sustainability of the policy to the end of the policy term.

3. What causes the insurance charges to increase?

The increase in insurance charges is mainly driven by the rising medical costs and higher frequency of people seeking
healthcare treatments resulting in the increase of claims. Medical cost can go up for many reasons, including increases in
physician’s fees or laboratory charges, new and more advanced medical treatments and prescription drugs.

4. Why is there an increase to my insurance charges when I have not made any claims?
Health insurance is written based on a risk-sharing basis where premiums collected are shared to provide payment for
claims that come in. As a result, all policies will be affected regardless of whether you have made any claims before.

5. Can I choose not to increase my current insurance premium?

Yes, you may choose not to increase your current insurance premium. However we strongly encourage you to pay the
suggested premium increment as the amount is quoted based on the new insurance charges of your IL Health Protector.
The new premium will help to cover the increased insurance charges of your policy.

6. Can I choose to increase my premium lower than the suggested amount quoted?
Yes, you may consider paying an additional minimum premium amount of RM20 based on your current premium payment
mode, i.e. RM20/monthly, RM60/quarterly, RM120/half-yearly or RM240/yearly.

7. How will the suggested premium increment be treated and how will it be allocated?
The suggested premium increment will be treated as Great Saver Rider (GSR) and will be subject to the allocation rate of
GSR in accordance with your policy.

8. I decided to increase my current premium, how do I sign up for it?

a) For e-Connect user, you may login to e-Connect at https://econnect-my.greateasternlife.com, where you will be able to
increase your premium online within 6 months from the date of the notification letter.
b) For non e-Connect user, you may sign up as a user at https://econnect-my.greateasternlife.com and increase your
premium online. You are strongly encouraged to sign up for an e-Connect account as e-Connect is a dedicated portal
for our customers to view their insurance portfolio, perform selected transactions online and check the status of their
claim.

9. If I have paid for advanced premium and decided to increase my premium by the suggested premium increment or
minimum premium amount, when will the new premium take effect?
For policies where advanced premiums are paid, the new premium (current premium + suggested premium increment or
minimum premium amount, where applicable) will take effect from the next premium due date.

10. If my policy is attached with premium waiver rider(s) and / or payer benefit rider(s), how will the suggested
premium increment or minimum premium amount impact my premium waiver rider(s) and / or payer benefit
rider(s)?
For policies with waiver and/or payer riders attached, sum assured for these riders will NOT be adjusted by the same
quantum of the suggested premium increment.

11. How do I pay for the suggested premium increment?

The new premium (current + suggested premium increment or minimum premium amount, where applicable) will follow the
mode and method of payment of your current premium payment arrangement. If the current payment method of your policy
is via credit card, the new premium will be charged automatically to the same credit card. For other payment methods, the
new premium has to be paid to the Company in full.
If the current payment method of your policy is via auto-debit facility or banker’s order, kindly make the necessary
arrangement in advance with your respective bank to remit the new premium prior to next premium due date.

12. I would like to authorise the suggested premium increment online via e-Connect and at the same time I wish to
perform change of payment frequency. How do I execute it?
Please follow the steps provided as below:
Step 1: Perform the change of payment frequency via eConnect > My Service Request > Change Payment Frequency
Step 2: On the next day, please proceed with the premium increment authorisation.

13. How do I know if the suggested premium increment has been successfully processed?
The Company will issue an electronic notification of the effective change on the premium. You may view or download the
letter in our e-Connect portal. In this regard, we strongly encourage you to sign up for an e-Connect account as e-Connect
is a dedicated portal for our customers to view their insurance portfolio, perform selected transactions online and check the
status of their claim.

FAQILHP/V00/07-2022
14. If my policy is under Company/Bank, can I authorize the premium increment online via eConnect?
No. The Authorised Person of the Company/Bank need to complete the Authorisation Form and return to us within the
validity date. Acknowledgement of premium revision letter will be posted via mail upon processing.

15. Can I downgrade my IL Health Protector?

Yes, you may opt to downgrade your IL Health Protector and the downgraded plan will have lower insurance charges. In
this respect, you may consult your agent to review your insurance coverage and benefits in accordance with your needs
such as reducing the sum assured of your basic plan, reducing the sum assured of the riders (if applicable) or cancelling
any attachable rider(s). However, we strongly encourage you to maintain a good quality of medical coverage to protect you
against the risk of large medical bills.

16. Are there any other options available for policyholder if their current medical rider is at the lowest Room and
Board and wanted to have lower premium increment?
Yes, policyholder may wish to consider any of the following options, as follow:
a) Reduce sum assured for the basic plan and Basic Investment Premium (BIP)
b) Reduce sum assured and rider(s) term coverage
c) Cancel other rider(s) / supplementary benefit(s)
d) Change the policy’s payment frequency to “monthly” mode
You may consult your agent to review your insurance coverage and benefits in accordance with your needs.

17. Can I upgrade my IL Health Protector?

No, you are NOT allowed to upgrade your IL Health Protector plan.

18. Is conversion for IL Health Protector allowed?

Yes, you may opt to convert your IL Health Protector to other investment-linked medical rider that is available on the shelf.
The conversion can be performed at any time within the eligible entry age at next birthday and subject to underwriting. In
this respect, you may consult your agent to review your insurance coverage and benefits in accordance with your needs.

19. My policy has subsequently lapsed after I received the notification letter. How will the revision of insurance
charges of the medical rider(s) impact my policy?
You are allowed to reinstate the policies in accordance with the reinstatement clause in the policy contract. Upon
reinstatement, the insurance charges of your medical rider(s) will be revised from your next policy anniversary falling on or
after 1 July 2022 or reinstatement date, whichever is later.

20. How will the premium increment affect the sustainability of my policy?
The quoted premium increment aims to ensure your IL Health Protector plan is sustainable until the end of the policy term.
For better understanding on your overall policy sustainability, you are advised to refer to the annual policy sustainability
communications sent by the Company. You should consider increasing your premium as recommended in both the annual
sustainability and revision of insurance charges communication to ensure your policy to be sustainable up to end of policy
term.

21. What is the average medical cost inflation per annum?

The claims ratio has deteriorated to 67% due to increasing average medical inflation of 8%-10% and higher utilization of the
benefit coverage.

22. What are the cost containment initiative including claims management actions taken by the Company?
Cost containment initiatives, including claims management actions taken by the Company include:
a) continuous engagement with our providers to ensure charges are reasonable and affordable.
b) on-going discussions with Life Insurance Association of Malaysia (LIAM), Ministry of Health (MOH) and Association of
Private Hospitals, Malaysia (APHM) on escalating medical cost.

23. Did Bank Negara Malaysia approve the rates revision?

The rates revision is a commercial decision undertaken by the Company.

FAQILHP/V00/07-2022
Appendix
Historical Insurance Charges for IL Health Protector
The sample insurance charges below are applicable to all occupation classes, based on standard risk and subject
to underwriting. For your information, this is the 5th time that the insurance charges for IL Health Protector have
been revised since it was launched.
Revision Year
st
1 Rate Revision 1 August 2007
2nd Rate Revision 1 October 2010
3rd Rate Revision 1 April 2015
4th Rate Revision 1 June 2019
5th Rate Revision 1 July 2022
Please note that the past trend on the insurance charges revision is not an indication of future trend.
Attained Male Female
Age Next Annual Insurance Charges effective 1 June 2019 and prior to 1 July 2022 (RM)
Birthday
IL-HP 100 IL-HP 150 IL-HP 200 IL-HP 300 IL-HP 100 IL-HP 150 IL-HP 200 IL-HP 300
1-19 395 462 517 641 430 501 538 641
20-25 452 533 619 775 533 625 714 865
26-30 498 584 651 818 602 709 810 979
31-35 541 642 715 898 668 797 909 1,062
36-40 663 749 829 1,047 755 898 1,024 1,199
41-45 757 863 957 1,253 837 998 1,095 1,334
46-50 891 1,018 1,122 1,481 953 1,094 1,203 1,532
51-55 1,368 1,571 1,646 2,028 1,230 1,485 1,563 1,916
56-60 1,667 1,943 2,020 2,481 1,445 1,665 1,750 2,245
61-65 2,086 2,530 2,758 3,398 1,929 2,252 2,341 3,008
66-69 3,150 3,831 4,172 5,153 3,021 3,503 3,673 4,737
Attained Male Female
Age Next Annual Insurance Charges on and after 1 July 2022 (RM)
Birthday
IL-HP 100 IL-HP 150 IL-HP 200 IL-HP 300 IL-HP 100 IL-HP 150 IL-HP 200 IL-HP 300
1-19 435 508 569 705 473 551 592 705
20-25 497 586 681 853 586 688 785 952
26-30 548 642 716 900 662 780 891 1,077
31-35 595 706 787 988 735 877 1,000 1,168
36-40 729 824 912 1,152 831 988 1,126 1,319
41-45 908 1,036 1,148 1,504 1,004 1,198 1,314 1,601
46-50 1,069 1,222 1,346 1,777 1,144 1,313 1,444 1,838
51-55 1,642 1,885 1,975 2,434 1,476 1,782 1,876 2,299
56-60 2,000 2,332 2,424 2,977 1,734 1,998 2,100 2,694
61-65 2,503 3,036 3,310 4,078 2,315 2,702 2,809 3,610
66-69 3,780 4,597 5,006 6,184 3,625 4,204 4,408 5,684
Attained Male Female
Age Next Increase of Insurance Charges on and after 1 July 2022 (%)
Birthday
IL-HP 100 IL-HP 150 IL-HP 200 IL-HP 300 IL-HP 100 IL-HP 150 IL-HP 200 IL-HP 300
1-19 10% 10% 10% 10% 10% 10% 10% 10%
20-25 10% 10% 10% 10% 10% 10% 10% 10%
26-30 10% 10% 10% 10% 10% 10% 10% 10%
31-35 10% 10% 10% 10% 10% 10% 10% 10%
36-40 10% 10% 10% 10% 10% 10% 10% 10%
41-45 20% 20% 20% 20% 20% 20% 20% 20%
46-50 20% 20% 20% 20% 20% 20% 20% 20%
51-55 20% 20% 20% 20% 20% 20% 20% 20%
56-60 20% 20% 20% 20% 20% 20% 20% 20%
61-65 20% 20% 20% 20% 20% 20% 20% 20%
66-69 20% 20% 20% 20% 20% 20% 20% 20%

Appendix-ILHP/V00/07-2022