Notice of Medical Plan Revision 2020

Temporary Switch is a one-off offering by PruBSN to assist participants during this pandemic period. Participants who had endorsed their medical plan to a lower or more affordable plan (based on the existing options available for change of medical plan) (“medical plan endorsement”) between 1 January 2021 – 30 June 2022, are allowed to revert to their original medical plan in the same certificate without underwriting assessment within 12 months from the medical plan endorsement .

Once the Temporary Switch is completed, the original medical plan and its applicable contribution and tabarru’ will start to take effect immediately.

Existing options available for medical plan endorsements (within the same medical plan) are;

1. Downgrading plan size;

2. Lowering room and board limit;

3. Reducing annual limit; or

4. Increasing the deductible (where applicable).

Please note that any existing exclusions and/or loadings (if any, as stated in the existing endorsement slip) will continue to apply.

Participants, who own certificates that meet the criteria below are eligible:

• Certificate attached with medical plan which were impacted by the by 2020/2021 medical plans’ contribution and tabarru’

• Certificate which was endorsed to change to a lower/more affordable medical plan as described in question 1 between 1 January 2021 and 30 June 2022. We will use endorsement submission date to determine fulfilment of this eligibility.

• Certificates which was reverted to the original medical rider* within 12 months from the medical plan endorsement

*Refers to the medical plan type which was attached originally to the certificate right before the medical plan endorsement.

Please note that participants, who do not fulfil any of the criteria above, will be subjected to normal underwriting, terms and conditions of the certificate, and availability of the medical plans, for any applications submitted to endorse their medical plan.

When you request to revert to your original medical plan through the existing endorsement application process, please ensure that there is an indication that the request is for Temporary Switch in the amendment form or at the top of the Supplementary Proposal Form (e.g. instruction field). Please note that the endorsement will be subjected to normal underwriting if there was no such indication.

Existing endorsement quotation and Certificate Alteration Sustainability Statement (CASS) review and acknowledgement by Participants will still be required as per current practice.

Your medical coverage or claim will be based on the medical plan that you have attached to your certificate at the point of claims event.

The waiting period will be waived upon reverting to the original medical plan through this Temporary Switch exercise. For any other variation to your medical plan, the normal waiting period will apply.

No, you will not be eligible for this Temporary Switching. Your application to change to a medical plan that is not the original medical plan, will be subject to normal underwriting, terms and conditions of your certificate, and availability of the medical plans.