[
    {
        "instruction": "What additional features does PRUCash plan offer you?",
        "input": "",
        "output": "The additional features that the PRUcash plan offers are:\n\n- PRUmajor med 3 - Covers large medical bills for hospitalization or outpatient treatment due to illnesses/injuries. Provides emergency medical assistance.\n\n- PRUmed - Provides fixed cash benefit for hospitalization, intensive care and surgical procedures due to illnesses/injuries. \n\n- Hospital Benefit - Provides daily cash benefit for hospitalization due to illnesses/injuries.\n\n- Accidental Death and Disablement - Covers death or total loss of body functions due to accident. Pays compassionate allowance of RM2000 for death due to any cause.\n\n- Accidental Medical Reimbursement - Reimburses medical expenses for treatment due to accident. \n\n- Weekly Indemnity - Supplements weekly income while unable to work due to temporary disability from accident.\n\n- Crisis Cover Benefit - Protection against critical illnesses. \n\n- Crisis Cover Income - Pays annual income on diagnosis of critical illness for entire term.\n\n- PRUdisability provider - Benefit every year for duration of disability before age 60, even after maturity.\n\n- Crisis Cover Plus - Coverage for death, disability and critical illness. \n\n- PRUterm - Additional death/disability coverage.\n\n- PRUmortgage - Decreasing term additional death/disability coverage.\n\n- PRUwaiver - Waives future premiums on critical illness diagnosis.\n\n- PRUspouse waiver - Waives premiums on spouse's death, disability or critical illness. \n\n- PRUparent waiver - Waives premiums on parent's death, disability or critical illness.\n\nIn summary, these additional benefits provide enhanced medical, accident, disability, critical illness and waiver of premium protections."
    },
    {
        "instruction": "What are the bonuses of PRUCash policy?",
        "input": "",
        "output": "Apart from the cash survival benefit, Prudential also lets you share in the profits when you receive the Reversionary Bonus#1 and Terminal Bonus#2. The bonuses are declared annually and are payable upon death or total permanent disability (TPD), policy maturity\nor upon surrender of policy"
    },
    {
        "instruction": "what are key points of Reversionary bonus",
        "input": "",
        "output": "here are the key points about Reversionary Bonus in the PRUcash plan:\n\u2022 Will be available from the calendar year following the second policy anniversary.\n\u2022 Will be payable upon the maturity of the plan, death or TPD of the life assured or upon policy surrender.\n\u2022 The policy will have cash value after at least 3 years\u2019 premiums have been paid and policy has been in force for 3 years.\n\u2022 Full value of Reversionary Bonus declared is not payable on early termination, surrender or conversion of the policy.\n\nIn summary, the Reversionary Bonus is an annual bonus that is declared starting from the 3rd policy year. It builds up a cash value that is paid out on maturity, death, disability or surrender. However, the full bonus amount is not paid out if the policy is terminated early.\n\nThe Reversionary Bonus helps enhance the benefits payable under the base PRUcash plan by adding to the guaranteed maturity, death and disability payouts. It allows policyholders to share in the profits of the insurance company's participating fund investment pool."
    },
    {
        "instruction": "what are key points of Terminal bonus",
        "input": "",
        "output": " Will be payable upon maturity of the plan, death or TPD of the life assured or upon policy surrender."
    },
    {
        "instruction": "What will be benefits of PRUCash plan?",
        "input": "",
        "output": "Based on the document, here is what will be paid out under different scenarios for the PRUcash plan:\n\nUpon Death or Maturity:\n- The sum assured\n- Reversionary bonus \n- Terminal bonus\n- Any accumulated cash (with interest)\n\nTotal and Permanent Disability (TPD):\n- Pays in the same way as death benefit\n\nUpon surrender of policy:\n- Guaranteed cash value\n- Any cash value of reversionary bonus \n- Any cash value of terminal bonus\n- Any accumulated cash (with interest)\n\nIn summary, the death, maturity and TPD benefits include the full sum assured amount along with all applicable bonuses and accumulated cash. For surrenders, the guaranteed cash value and cash value of bonuses is paid out.\n\nSo this plan provides comprehensive payouts covering the core life insurance benefit as well as the accrued bonuses and cash accumulations in case of death, maturity, disability or surrender."
    },
    {
        "instruction": "Who can take PRUCash plan?",
        "input": "",
        "output": "This plan is ideal for those who:\n\u2022 want a plan which combines savings and protection.\n\u2022 value liquidity and wish to receive regular cash benefits even as their savings continue to grow.\n\u2022 want guaranteed payout of the sum assured plus bonuses of their insurance\nPolicy."
    },
    {
        "instruction": "Is PRUCash available for Juvenile?",
        "input": "",
        "output": "Yes, the PRUcash plan is available as a juvenile plan as well.\nFor a juvenile plan, in the event of a total permanent disability (TPD) or death occurring to the child before the age of 5, the proportion of the basic sum assured paid is:\n20% at age 1\n40% at age 2\n60% at age 3\n80% at age 4"
    },
    {
        "instruction": "what is premium amount for PRUCash plan?",
        "input": "",
        "output": "The premium rate will vary by entry age, gender and smoking status."
    },
    {
        "instruction": "How frequent and how can I par the premium for PRUCash?",
        "input": "",
        "output": "Premiums are payable throughout the term of the policy and can be paid in yearly, half-yearly, quarterly or monthly mode via the Autodebit, Banker\u2019s Order, Credit\nCard, Cash or Cheque."
    },
    {
        "instruction": "Is there any loan available against PRUCash plan?",
        "input": "",
        "output": "the following types of loans are available under the PRUcash plan:\n\nPolicy Loan: This allows you to borrow against the cash value of your policy. The terms and conditions for the policy loan are as per the policy contract.\nAutomatic Premium Loan: If you are unable to pay a premium on time, the outstanding premium can be paid via an automatic loan against the policy's cash value. This maintains the continuity of the plan.\nSurgical and Nursing Fees Loan: This provides a loan to cover surgical and nursing fees in the event of hospitalization or surgery. The terms and conditions for this loan are as per the policy contract."
    },
    {
        "instruction": "Details on Shorter premium payment terms benefit of prucash double reward",
        "input": "",
        "output": "Shorter Premium Payment Terms with Longer Cash Payout Terms in the PRUcash Double Reward plan:\n\nThis plan offers a choice of premium payment terms of 5, 10, 15 or 20 years. The policy term or coverage duration can be up to 40 years.\nSo you get flexibility to pay premiums for a shorter duration while getting benefits for a longer period.\nFor example, you can pay premiums for only 10 years but get guaranteed cash payouts for up to 30 years.\nThe available combinations are:\n5 years premium payment term with policy terms of 25, 30, 35 or 40 years.\n\n10 years premium payment term with policy terms of 25, 30, 35 or 40 years.\n\n15 years premium payment term with policy terms of 30, 35 or 40 years.\n\n20 years premium payment term with policy terms of 25, 30, 35 or 40 years."
    },
    {
        "instruction": "What is PRUcash double reward?",
        "input": "",
        "output": "PRUcash double reward is a regular premium anticipated endowment plan that gives you an annual guaranteed payout from the end of the first policy year in addition to coverage on death and Total and Permanent Disability (TPD)."
    },
    {
        "instruction": "What are the non-guaranteed bonuses available?",
        "input": "",
        "output": "In addition to the annual guaranteed cash payment, Prudential gives you bonuses2 & 3 which are declared annually and are payable should you pass on, suffer from TPD, reach policy maturity or upon surrender of the policy."
    },
    {
        "instruction": "What are the benefits of PRUcash double reward plan?",
        "input": "",
        "output": "1. Upon Death\nThe higher of:\n(a) Total current basic sum assured plus bonuses2 & 3; or\n(b) Total basic plan\u2019s premium\u2019s paid, minus all Annual Guaranteed Payout received;\nplus\nAll accumulated Annual Guaranteed Payout with interest (if any).\nUpon Maturity:\n(a) Total initial basic sum assured; plus\n(b) Final year Annual Guaranteed Payout; plus\n(c) Total bonuses2 & 3; plus\nAny accumulated Annual Guaranteed Payout with interest (if any).\n2. Total and Permanent Disability (TPD):\nSame as Death Benefit.\nIn the event of TPD before age 60 years, the sum assured is payable subject to a maximum lump sum of RM1 million upon claim. The balance of the sum assured will be paid upon the first anniversary of the disability* or death of the life assured, whichever comes first.\n(Please refer to the policy document for the definitions of TPD)\n3. Annual Guaranteed Payout:\nPayable annually from the end of the 1st policy year until death, TPD or maturity, whichever\noccurs first. The Life Assured can also choose to accumulate the Annual Guaranteed\nPayout until policy maturity.\nUpon Surrender of Policy\nGuaranteed cash value; plus\nAny cash value of bonuses2 & 3; plus\nAny accumulated Annual Guaranteed Payout will be payable"
    },
    {
        "instruction": "What supplementary benefits does this plan offer to me?",
        "input": "",
        "output": "Just by paying additional premium, the following plans/riders can be added to your PRUcash double reward plan so you can enjoy greater coverage for better overall protection.\n\nPRUlegacy:\nPays the remaining Annual Guaranteed Payout to the Life Assured\u2019s nextof-kin should the Life Assured suffer from TPD before age 60 or pass on.\nPRUterm: Benefit is payable in one lump sum should the Life Assured suffer from TPD before age 60 or pass on.\nPRUwaiver:  Waives all future premiums in the event that the Life Assured is diagnosed to suffer from a critical illness.\nPRUspouse waiver: Waives all future premiums should the spouse of the Life Assured become TPD before age 60, pass on or be diagnosed to suffer from a critical illness.\nPRUparent waiver: Should the parent of the Life Assured suffer from TPD before age 60, pass on or be diagnosed to suffer from a critical illness, all future premiums will be waived until the child reaches age 25 or the end of the premium payment term, whichever is earlier."
    },
    {
        "instruction": "Who can take up PRUcash double reward?",
        "input": "",
        "output": "This plan is available for individuals between the ages of 1 \u2013 65 years on their next birthday who:\n\u2022 Want a savings plan with double protection\n\u2022 Want a steady stream of payouts and bonuses\nYou can also take up this plan for your child who is under the age of 15 years on their next birthday"
    },
    {
        "instruction": "How much premium do I need to pay for PRU cash double reward plan?",
        "input": "",
        "output": "Premiums payable is determined by your entry age, gender, smoking status and the type of plan chosen.\nPremiums can be paid yearly, half-yearly, quarterly or monthly via Auto Debit, Credit Card, Cash or Cheque."
    },
    {
        "instruction": "What is PRUEnhanced Cover?",
        "input": "",
        "output": "PRUEnhanced Cover is a regular premium investment-linked insurance plan which covers Total and Permanent Disability (TPD) and accidental death (AD) prior to the Policy Anniversary of age 70 or expiry of the policy, whichever is earlier, and death of the Life Assured during policy term. It comes with guaranteed rates of insurance charge for both basic plan and its optional riders. On top of the payor riders, it also offers another optional rider, Level SA Rider 2.0, which provides additional death coverage according to the rider term options selected by customers according to their needs and affordability. PRUEnhanced Cover further rewards you with increasing protection up to 130% of Basic Sum Assured, Annual Booster and Loyalty Booster. Your policy will not lapse during the first 72 months regardless of market performance, provided that all premiums due are paid up to date and no withdrawals have been made from the Basic Unit Account (BUA). At maturity or upon surrendering, we will pay you the value of units in BUA and Investment Unit Account (IUA) of your policy (if any)."
    },
    {
        "instruction": "What are the benefits of PRUEnhanced Cover?",
        "input": "",
        "output": "1. Death Benefit:\nIn the event of death of the Life Assured, the higher of the following will be payable: a) Basic Sum Assured (BSA)*; or b) value of units in BUA, plus value of units in IUA (if any). Note: *The BSA payable shall be in line with the Increasing Basic Sum Assured as below: \nFor End of Policy Year 1: 103 % BSA* (% of BSA)\nFor End of Policy Year 2: 106 % BSA* (% of BSA)\nFor End of Policy Year 3: 109 % BSA* (% of BSA)\nFor End of Policy Year 4: 112 % BSA* (% of BSA)\nFor End of Policy Year 5: 115 % BSA* (% of BSA)\nFor End of Policy Year 6: 118 % BSA* (% of BSA)\nFor End of Policy Year 7: 121 % BSA* (% of BSA)\nFor End of Policy Year 8: 124 % BSA* (% of BSA)\nFor End of Policy Year 9: 127 % BSA* (% of BSA)\nFor End of Policy Year 10 and above: 130 % BSA* (% of BSA)\n\nNote: Increasing Basic Sum Assured (Basic Sum Assured*) shall start upon completion of each policy year.\n\n2. Total and Permanent Disability Benefit: BSA* shall be payable upon Life Assured suffering from TPD prior to the Policy Anniversary of age 70 or expiry of the policy, whichever is earlier. Notes: 1. Payment of this benefit will reduce the BSA* and value of units in BUA will be adjusted accordingly as per stipulated in the policy contract. 2. Policy may be terminated subject to the terms and conditions as per stipulated in the policy contract.\n\n3. Accidental Death Benefit: Death Benefit and an additional 100% of the BSA* shall be payable if death due to accident happens prior to the Policy Anniversary of Life Assured\u2019s age 70 or expiry of the policy, whichever is earlier. Note: In the event of accidental death while the Life Assured is below age 19, Accidental Death\nBenefit payable will be subject to maximum of RM2 million per life.\n\n4. Maturity Benefit: Upon maturity, the value of units in BUA and IUA (if any) will be payable.\n\n5. Loyalty Booster: A % of BSA1 (excluding incremental Sum Assured) shall be credited into BUA at an allocation rate of 100%, at the Policy Anniversary of the respective payout age according to the respective entry age while policy remains in force. The credited amount shall follow the premium direction of fund upon crediting. \nFor age entry of 1 to 50 you will get 3%, 5%, 7%, 9% and 11% Loyalty Booster at the age of 60, 70, 80, 90 and 100 respectively.\nFor age entry of 51 to 60 you will get 5%, 7%, 9% and 11% Loyalty Booster at the age of 70, 80, 90 and 100 respectively.\nFor age entry of 61 to 70 you will get 7%, 9% and 11% Loyalty Booster at the age of 80, 90 and 100 respectively.\nNote: Loyalty Booster will be adjusted according to the revised BSA due to any partial withdrawal from BUA.\n\n6. Annual Booster: 3% of annualised BUA premium (i.e. Insurance Premium + PRUAllocator Premium, excluding PRUSaver/PRUSaver Kid premium and single\npremium top-up) shall be credited into BUA each year for Policy Year 1 to Policy Year 10, with the first Annual Booster being credited upon completion of Policy Year 1, provided premium is paid up to date and policy is in force upon payout. If any partial withdrawal from BUA is made during the year, Annual Booster will be forfeited for the same policy year. During the first 10 policy year, if accumulated partial withdrawal amount from BUA is larger than or equal to 25% of total BUA premium paid, all future Annual Booster payable will be forfeited.\n\nNotes: *The BSA payable will be in line with the Increasing Basic Sum Assured Table. - In the event of a claim arising from death, TPD or accidental death\non life of the child before age 5, the amount of Basic Sum Assured paid out will be subjected to Juvenile Lien."
    },
    {
        "instruction": "Who can take up PRUEnhanced Cover plan?",
        "input": "",
        "output": "PRUEnhanced Cover can be availed by child aswell as adult. For chile the age should be between years 1 to 18 and for adults it should be between 19 to 70. For child plans, minimum entry age is 14 days."
    },
    {
        "instruction": "How do I pay the premium for PRUEnhanced Cover Plan?",
        "input": "",
        "output": "Premiums can be paid yearly, half-yearly, quarterly or monthly via Cash/Cheque, Credit/Debit Card or Direct Debit (via UOB account). Premiums vary by age, gender, smoking status, occupational class, coverage selected, policy term and underwriting condition. Premium Payment Period for PRUEnhanced plan are \n5 years, 8 years, 10 years and 20 years"
    },
    {
        "instruction": "How do I enjoy continuous coverage of PRUEnhanced Cover plan up to age 100?",
        "input": "",
        "output": "PRUEnhanced Cover will expire upon Policy Anniversary of Life Assured\u2019s age 100. The policy coverage term and benefits payable shall depend on the policy having sufficient value of units to cover all the policy charges. This would mean that the policy needs to have a positive value of units in order for coverage to remain in force. In the event when the policy does not have sufficient value of units, additional premiums are required for continuous coverage up to Policy Anniversary of age 100."
    },
    {
        "instruction": "What is the minimum and maximum Basic Sum Assured of PRUEnhanced this plan?",
        "input": "",
        "output": "Minimum Basic Sum Assured RM500,000 and Maximum Basic Sum Assured Subject to underwriting.  Basic Sum Assured is subject to the Increasing Basic Sum Assured table and any decrease of sum assured via endorsement and the accelerated sum assured paid out due to TPD."
    },
    {
        "instruction": "How will my regular premium be allocated for PRUEnhanced cover plan?",
        "input": "",
        "output": "Your regular premium consists of: \u2022 BUA Premium \u2022 IUA Premium (if PRUSaver/PRUSaver Kid is selected). Your premium paid will be allocated to buy units in the PRULink Fund(s), PRULink Global Fund(s) and/or PRULink Local and Global Fund(s) that you have selected. For more information on these funds, please refer to the Fund Fact Sheet. For allocation rates on Insurance Premium, PRUAllocator Premium and PRUSaver/PRUSaver Kid Premium (if any).\nInsurance Premium:\nYear 1 \u2013 60% for all Premium Payment Period (5, 8, 10 and 20 Years)\nYear 2 \u2013 90%, 80%, 60% and 60% for Premium Payment Period 5, 8, 10 and 20 respectively\nYear 3 \u2013 100%, 80%, 80% and 60% for Premium Payment Period 5, 8, 10 and 20 respectively\nYear 4 \u2013 100%, 100%, 100% and 90% for Premium Payment Period 5, 8, 10 and 20 respectively\nYear 5 \u2013 100% for all Premium Payment Period\nYear 6 and 7 \u2013 100% for all Premium Payment Period of 8, 10 and 20 years\n\nPRUAllocator and PRUSaver/PRUSaver Kid Premium: 95% for every policy year\nYear 2 onwards \u2013 100%\n\nInsurance Premium Allocation Rate are Before the deduction of any service or insurance charges.\nPRUAllocator forms part of the PRUEnhanced Cover premium in BUA and it is compulsory to be paid to keep the policy in force (where applicable)."
    },
    {
        "instruction": "Where does PRUEnhanced Cover plan invest the funds?",
        "input": "",
        "output": "Your premium paid will be allocated to buy units in the PRULink Fund(s), PRULink Global Fund(s) and/or PRULink Local and Global Fund(s) that you have selected. The premium direction for your policy depends on the fund(s) selected by you. You may select more than one fund to be invested depending on your risk appetite at minimum investment of 5%, with a total of 100% from all funds.You may select from the funds below:\n1. PRULink Funds:\nPRULink Equity Income Fund plus 1.50% Fund Management Charge (FMC) (p.a.)\nPRULink Bond Fund plus 0.50% Fund Management Charge (FMC) (p.a.)\nPRULink Strategic Managed Fund plus 1.10% Fund Management Charge (FMC) (p.a.)\n\n2. PRULink Global Funds:\nPRULink Asia Managed Fund plus 1.35% Fund Management Charge (FMC) (p.a.) \nPRULink Dragon Peacock Fund plus 1.50% Fund Management Charge (FMC) (p.a.)\nPRULink Asia Equity Fund plus 1.50% Fund Management Charge (FMC) (p.a.)\nPRULink Global Growth Fund plus 1.50% Fund Management Charge (FMC) (p.a.)\nPRULink Asia Pacific Dynamic Income Fund plus 1.50% Fund Management Charge (FMC) (p.a.)\n\n3. PRULink Local and Global Funds:\nPRULink Equity Plus Fund 1.50% Fund Management Charge (FMC) (p.a.)\n\nThe investment performance of the PRULink Fund(s), PRULink Global Fund(s) and PRULink Local and Global Fund(s) are not guaranteed. Fund management charge will be charged as % of the investment fund. Charges vary depending on the fund(s) that you select. For more information on these funds, please refer to\ntheir respective Fund Fact Sheets available on Prudential Assurance Malaysia Berhad (PAMB) corporate website at www.prudential.com.my You may also track the performance of your fund(s) by checking the unit prices published daily on the website."
    },
    {
        "instruction": "What are the optional riders attachable to the basic PRUEnhanced plan?",
        "input": "",
        "output": "Here are the riders with PRUEnhanced plan.\n1. Level SA Rider 2.0: Level SA Rider 2.0 pays the rider sum assured in one lump sum upon death of the Life Assured prior to expiry of the rider. It comes with benefit term of 5, 10, 20, or 30 years. Benefit term cannot be longer than policy term.\n2. Payor Basic 2.0Payor Basic 2.0 pays the BUA premium if you are diagnosed with any of the 42 covered Critical Illnesses or suffer from Total and Permanent\nDisability (TPD) prior to Policy Anniversary of age 70.\n3. Payor Saver 2.0: Payor Saver 2.0 pays the PRUSaver premium if you are diagnosed with any of the 42 covered Critical Illnesses or suffer from TPD prior to\nPolicy Anniversary of age 70.\n4. Spouse Payor Basic 2.0: Spouse Payor Basic 2.0 pays the BUA premium if your spouse is diagnosed with any of the 42 covered Critical Illnesses, suffers from TPD prior to Policy Anniversary of age 70 or dies.\n5. Spouse Payor Saver 2.0: Spouse Payor Saver 2.0 pays the PRUSaver premium if your spouse is diagnosed with any of the 42 covered Critical Illnesses, suffers from TPD prior to Policy Anniversary of age 70, or dies.\n6. Parent Payor Basic 2.0: Parent Payor Basic 2.0 pays the BUA premium if Life Assured's parent is diagnosed with any of the 42 covered Critical Illnesses, suffers from TPD prior to Policy Anniversary of age 70 or dies.\n7. Parent Payor Saver 2.0: Parent Payor Saver 2.0 pays the PRUSaver premium if Life Assured's parent is diagnosed with any of the 42 covered Critical Illnesses, suffers from TPD prior to Policy Anniversary of age 70, or dies.\n8. PRUSaver/ PRUSaver Kid: This is a regular premium rider mainly for investment purpose. It does not provide any insurance coverage.\n\nNotes:\n1. For the full list of covered Critical Illnesses and exclusions, please refer to Product Disclosure Sheet and Product Illustration.\n2. Policy coverage term is not guaranteed when payor rider(s) is/are attached, it shall depend on the policy having sufficient value of units to cover all the policy charges."
    },
    {
        "instruction": "What are the fees and charges involved with PRUEnhamced Cover plan?",
        "input": "",
        "output": "1. Insurance Charge:\n\u2022 For PRUEnhanced Cover, the rates of insurance charge for both basic plan and its optional riders are guaranteed.\n\u2022 Monthly insurance charges are levied depending on your Basic Sum Assured, value of units in BUA, attained age, gender, smoking status, occupation class and underwriting condition among other factors.\n\n2. Service Charge:\n\u2022 RM6.00 per month for payments by Cash/Cheque.\n\u2022 RM5.00 per month for payments by Credit/Debit Card or Direct Debit (via UOB account).\n3. Partial Withdrawal Charge:\nThis charge will be waived until electronic transactions are made available. Thereafter, manual requests for partial withdrawal will be subjected to RM25.00 for\neach withdrawal from BUA and/or IUA, which will be deducted from the partial withdrawal amount. \n4. Fund Switching Fee: This fee will be waived until electronic transactions are made available. Thereafter, manual requests for fund switching will be subjected to the fee mentioned. 4 free switches are available every policy year. The Fund Switching Fee is set at 1.00% of the switched amount, subject to maximum RM50.00 for any subsequent switches within the policy year.\n\nThe fees and charges may be varied from time to time by giving you notice."
    },
    {
        "instruction": "What are the waiting periods that for PRUEnhanced cover plan I should be aware of?",
        "input": "",
        "output": "There is no waiting period for the death and TPD coverage under PRUEnhanced Cover. The waiting periods for other optional riders are detailed in the Product Disclosure Sheet and Product Illustration."
    },
    {
        "instruction": "What are the major exclusions under PRUEnhanced Cover?",
        "input": "",
        "output": "\u2022 Suicide - if death was due to suicide within one year from the effective date of policy or the date of policy revival, whichever is later, the value of units at the\nvaluation date after the date of notification shall be payable.\n\u2022 Total and Permanent Disability (TPD) benefit is not payable if the disability is directly or indirectly caused by: (a) any pre-existing conditions; (b) any attempted suicide or self-inflicted injury whether attempted/inflicted while sane or insane; (c) any traveling in an aircraft other than as a pilot or a member of a crew or a fare paying passenger in a commercial aircraft licensed for passenger service on scheduled flights over established routes only; or (d) any participation in any aerial sporting activities such as hang-gliding, ballooning, parachuting, sky-diving, bungee jumping and other such similar activities. \nNote: This list is non-exhaustive. Please refer to the policy contract for the full list of exclusions under this policy."
    },
    {
        "instruction": "How do I find out more about PRUEnhanced Cover?",
        "input": "",
        "output": "Should you require additional information about PRUEnhanced Cover, you may visit the nearest UOB Malaysia Bank Branches. Alternatively you could visit www.UOB.com.my for more details."
    },
    {
        "instruction": "What are the Optional Riders available for PRUEnrich Gain?",
        "input": "",
        "output": "1. PRUWaiver Plus: PRUWaiver Plus ensures continuous protection without the need to pay all future premiums under PRUEnrich Gain policy if Life Assured is diagnosed with any of the 42 covered Critical Illnesses during the term of the rider or upon TPD.\n2. Spouse Waiver Plus: Spouse Waiver Plus ensures Life Assured will continue to be protected without the need to pay all future premiums under PRUEnrich Gain policy if the spouse (Insured Life for this rider) dies during the term of the rider, is diagnosed with any of the 42 covered Critical Illnesses during the term of the rider or upon TPD.\n3. Parent Waiver Plus: Parent Waiver Plus ensures Life Assured will continue to be protected without the need to pay all future premiums under PRUEnrich Gain\npolicy up to Policy Anniversary before Life Assured attains age 25 or the end of the premium payment term (whichever is earlier), should the parent (Insured Life for this rider) dies during the term of the rider, is diagnosed with any of the 42 covered Critical Illnesses during the term of the rider or upon TPD."
    },
    {
        "instruction": "What is PRUEnrich Gain?",
        "input": "",
        "output": "PRUEnrich Gain is a limited pay anticipated endowment participating insurance plan that offers insurance coverage and wealth accumulation. Survival Benefit will\nbe payable upon survival of Life Assured to the end of every policy year provided the policy remains in force. This plan pays a lump sum benefit either upon maturity of your policy, upon Life Assured\u2019s death during the term of the policy or upon TPD15, whichever is earlier."
    },
    {
        "instruction": "How much premium do I need to pay for PRUEnrich Gain plan?",
        "input": "",
        "output": "The premium you pay depends on your entry age, gender, smoking status, your chosen Basic Sum Assured, premium payment term, premium payment frequency, premium payment method, policy term and optional rider(s) (if any) among other factors."
    },
    {
        "instruction": "What are the requirements to entitle for Guaranteed Issuance Offer (GIO)?",
        "input": "",
        "output": "Medical underwriting shall be waived if you purchase the basic plan only and the aggregate Basic Sum Assured is within the GIO limit RM1,000,000 per life for\nPRUEnrich Gain, PRUFlexi Gain, PRUValue Gain and PRUWealth Gain for in forced policies within the last 36 months, where applicable."
    },
    {
        "instruction": "What type of bonuses will I enjoy for PRUEnrich Gain plan?",
        "input": "",
        "output": "1. Compound Reversionary Bonus (CRB): \nThis is a non-guaranteed bonus which is allocated and added to the Basic Sum Assured of a participating policy, usually on an annual basis. It will be payable in\nfull if the Life Assured dies during the policy term, at the maturity date or upon TPD15, whichever is earlier. If you choose to terminate your policy early, surrender your policy or convert your policy, you may not receive the full amount of the CRB declared.\n\n2. Terminal Bonus (TB): \nThis is a non-guaranteed bonus which may be payable when your policy ends \u2013 death during the policy term, at the maturity date, if you choose to surrender your policy or upon TPD 15, whichever is earlier. Note: CRB and TB are not guaranteed and will depend on actual operating and investment results experienced\nby PAMB\u2019s participating life fund."
    }
]