Pruwell Health

PRUWell Health is the rider version of Prudential’s reward-based health franchise — the same #SehatPangkalBisa narrative as the standalone PRUWell Medical, but structured as an Asuransi Tambahan attached to a PAYDI (unit-linked) base policy, not a stand-alone health plan. It carries the same seven plan tiers (Bronze A through Diamond), the same Rp 4B–22.5B annual benefit cap, the same Rp 8B–50B PRUWell Limit Booster, and the same up-to-20% PRUWell premium reward for claim-free, network-disciplined customers. The structural trade-off is that the customer must hold a PAYDI base policy first — usually PRULink-family — and pay the rider charge on top of the base premium. Entry age 30 days to 75 years; coverage term elected to age 55, 65, 75, 85, or 99 (not auto-renewable-to-99 like the standalone PRUWell Medical).

In one line: Same PRUWell engine, but bolted onto a unit-linked base — for customers who already want (or own) PRULink and want PRUWell-grade health cover layered into the same contract.

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The brochure illustration uses Bapak Noveri, age 30, Plan Silver B, coverage term to age 85. The brochure shows two inpatient scenarios — a clean 7-day stay and a 4-day stay with a room upgrade triggering pro-rata cost-sharing. There is no standalone annual-premium quote in the brochure because the rider premium is folded into the PAYDI base contract. Decoded:

Critical insight for the agent narrative: the “Rp 72.5 billion” headline (Diamond combined ceiling) is the same anchor figure Prudential markets across the PRUWell franchise. On PRUWell Health it carries the same interpretation as on PRUWell Medical: Rp 22.5B is the renewable annual cap; Rp 50B is the one-time Booster that depletes with use. Agents pitching against this product must distinguish “renewable annual cap” from “lifetime booster top-up” — the same misleading anchor exists on the rider. The structural differentiator vs PRUWell Medical is not the numbers; it is that this is a rider on a unit-linked base, which means the customer is also taking on PAYDI investment risk and PAYDI cost-of-insurance volatility on the same contract.

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Sweet Spot — Lead with PRUWell Health (or counter-pitch when prospect already owns PAYDI)

• Age 30–48, married, 1–3 dependents, household income Rp 25M+/month
• Already owns or actively wants a PRULink / Prudential PAYDI base policy — usually unit-linked savings + life cover. PRUWell Health is most economic when stapled to an existing or planned PAYDI; selling a fresh PAYDI just to ride PRUWell on top is harder to justify.
• Disciplined health behavior — prefers PRUPriority Hospital network; the customer who realistically claims rarely and benefits from the premium-reward ladder.
• Uses major private hospitals (Mitra Keluarga, Pondok Indah, Siloam, Premier Bintaro) within the Indonesian network or beyond depending on plan tier elected.
• Wants the PRUWell franchise narrative (reward for healthy behavior, big-ceiling catastrophe cover) and has chosen — or is willing to choose — the unit-linked product structure for their life base.

Borderline Fit — Discuss but qualify carefully

• Customers who don’t yet own a PAYDI — pitching PRUWell Health to them requires also selling them a PRULink-family base. That’s two products, two compliance disclosures, and a much heavier sales conversation. Often a standalone health product (PRUWell Medical or Allianz Flexi Medical or Tokio Marine Optimum) is the cleaner pitch.
• Age 49–60 — rider charge escalates materially with age; PAYDI cost-of-insurance allocation also rises. Run a 10-year projection that includes both rider and base.
• Customers with one or two pre-existing conditions (hypertension, mild diabetes) — the 12-month exclusion for 18 listed diseases applies (same as PRUWell Medical). If their condition is on the listed-18, defer pitch or reposition.
• Customers whose preferred hospitals are not all on PRUPriority — the Multiplier-penalty mechanic is referenced in the brochure (via bit.ly link) but its exact terms on this rider must be confirmed via RIPLAY. Treat the customer disclosure obligation as identical to PRUWell Medical: walk the PRUPriority list before SPAJ.
• Family with 2+ dependents under 5 — each insured carries separate underwriting; combined rider + base PAYDI premium can be steep.

Do Not Pitch

• Customers who explicitly reject unit-linked / PAYDI structures — they will not accept the base policy this rider attaches to. Sell them a standalone health product instead.
• Mass middle market with monthly disposable below Rp 5M for the combined PAYDI + rider premium — the math doesn’t work.
• Customers with active pre-existing cancer, heart disease, kidney disease, or any of the 18 listed exclusion conditions actively diagnosed — the permanent pre-existing exclusion + 12-month listed-disease gate makes this a misalignment.
• Customers expecting zero co-payment — POJK 36/2025 requires co-payment across the industry from 2026; PRUWell Saver is one POJK-aligned mechanic, but the customer who wants pass-through cover is not a fit.
• Late-life prospects (70+) — entry caps at age 75 and underwriting becomes restrictive.
• Customers whose primary preferred treatment destination is the USA — only Diamond plan includes the USA; every lower tier excludes it.

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Rule of thumb: if the customer’s first sentence includes “saya udah punya PRULink” (I already have PRULink) or “saya cari yang investasi sekalian proteksi” (I want investment plus protection in one), PRUWell Health is in the conversation. If the customer says “saya gak suka unit-linked” or “mau yang asuransi murni saja,” push them toward PRUWell Medical (standalone Prudential) or — for Legacy Income — Allianz Flexi Medical or Tokio Marine.

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Drawn from the agency-channel health products catalogued under the Indonesia Life Insurance Market Intelligence project. Quantitative coverage of category metrics is below the 60% threshold; the comparison below is structurally accurate (brochure-backed for PRUWell Health, with structural inferences from the sibling PRUWell Medical RIPLAY where the two share architecture) and qualitatively positioned against category knowledge.

Confidence note: brochure-only structural facts are flagged as such. Pattern-matching to the PRUWell Medical RIPLAY (same insurer, same franchise, same plan grid, dated 2026-04-29) gives strong inference confidence on shared mechanics (waiting periods, plan grids, Booster, premium reward, Saver, Multiplier). Refresh trigger: re-run when the PRUWell Health RIPLAY becomes available AND when health-category PDF coverage exceeds 60% across the Indonesia Life Insurance Market Intelligence project.

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Opening — establish the right frame

“PRUWell Health is the rider version of Prudential’s PRUWell franchise. The numbers and the structure on the health side are essentially the same as the standalone PRUWell Medical — same seven plans, same Rp 72.5 billion combined Diamond ceiling, same up-to-20% premium reward for staying healthy. What’s different is the contract architecture: this is bolted onto a PAYDI base — a unit-linked policy with an investment component. Before we go any further, I’d like to understand whether the unit-linked structure is the right fit for you, because that’s the actual decision here, not the health plan itself.”

“PRUWell Health itu versi rider dari franchise PRUWell-nya Prudential. Angka dan struktur di sisi kesehatannya pada dasarnya sama dengan PRUWell Medical standalone — tujuh plan yang sama, ceiling Diamond gabungan Rp 72,5 miliar yang sama, reward premi sampai 20% yang sama untuk yang menjaga kesehatan. Yang beda itu arsitektur kontraknya: ini menempel di base PAYDI — polis unit-linked yang punya komponen investasi. Sebelum kita lanjut lebih jauh, saya mau pahami dulu apakah struktur unit-linked itu cocok untuk Anda, karena itu keputusan sebenarnya di sini, bukan plan kesehatannya.”

The structural value prop — PRUWell engine inside a unit-linked contract

“Two things make PRUWell different from a vanilla health policy. First — the PRUWell premium reward. Stay claim-free for one year, your future rider charge is discounted. Two clean years, more. Three years and beyond, up to 20% if you also accept PRUWell Saver — the per-admission deductible. Second — the Limit Booster: on top of your annual cap, there’s a one-time emergency reserve. Bronze B plan, annual cap Rp 5 billion, Booster adds Rp 12 billion. That’s Rp 17 billion if something catastrophic happens. Diamond combined is Rp 72.5 billion. The trade-off on this rider, versus PRUWell Medical, is that you’re paying the rider charge from your PAYDI account — meaning your investment fund needs to perform well enough to keep the rider in force without forcing top-up premiums down the line.”

“Dua hal yang bikin PRUWell beda dari polis kesehatan biasa. Pertama — reward premi PRUWell. Setahun tanpa claim, biaya rider tahun depan diskon. Dua tahun bersih, lebih besar lagi. Tiga tahun dan seterusnya, sampai 20% kalau Anda juga ambil PRUWell Saver — deductible per rawat inap. Kedua — Limit Booster: di atas plafon tahunan, ada cadangan emergency one-time. Plan Bronze B, plafon tahunan Rp 5 miliar, Booster tambah Rp 12 miliar. Total Rp 17 miliar kalau terjadi sesuatu yang berat. Diamond gabungan Rp 72,5 miliar. Trade-off di rider ini, dibanding PRUWell Medical, adalah biaya rider Anda dipotong dari account value PAYDI — artinya fund investasi Anda harus perform cukup baik supaya rider tetap aktif tanpa harus top-up premi tambahan di kemudian hari.”

The rider-vs-standalone disclosure

“I want to be straight with you on the architecture. You have two real choices in the PRUWell family. PRUWell Medical — standalone health policy, you pay premium directly, no investment component, simpler contract. PRUWell Health — rider on a PRULink base, you pay the rider charge from your investment account, you also have life cover and investment returns in the same contract. Same health mechanics on both sides. The right choice depends on whether you want PRULink for its own merit. If yes, the rider is efficient. If you only want the health cover, the standalone is cleaner.”

“Saya mau transparan soal arsitekturnya. Anda punya dua pilihan riil di keluarga PRUWell. PRUWell Medical — polis kesehatan standalone, Anda bayar premi langsung, gak ada komponen investasi, kontrak lebih sederhana. PRUWell Health — rider di base PRULink, biaya rider dipotong dari account investasi, Anda juga punya cover jiwa dan return investasi di kontrak yang sama. Mekanisme kesehatannya sama di kedua sisi. Pilihan yang tepat tergantung apakah Anda mau PRULink karena meritnya sendiri. Kalau iya, rider ini efisien. Kalau Anda hanya mau cover kesehatannya, standalone lebih bersih.”

Plan ladder — pick by geography first

“Seven plans, and the first decision is geography. Bronze A and Bronze B are Indonesia-only. Silver A and Silver B cover Asia but exclude Singapore, Japan, and Hong Kong — often exactly the places affluent Indonesians want to be treated. Gold covers all of Asia. Platinum is worldwide except the USA. Diamond is fully worldwide. Before we talk about anything else — where do you actually want to be treated if something serious happens? That answer narrows your plan to two or three options.”

“Tujuh plan, dan keputusan pertama itu geografi. Bronze A dan Bronze B Indonesia saja. Silver A dan Silver B cover Asia tapi exclude Singapura, Jepang, Hong Kong — yang justru sering jadi tujuan utama orang Indonesia mampu untuk berobat serius. Gold cover seluruh Asia. Platinum worldwide kecuali Amerika. Diamond fully worldwide. Sebelum bicara apa-apa lagi — di mana sebenarnya Anda mau dirawat kalau terjadi sesuatu yang serius? Jawaban itu mempersempit plan ke dua atau tiga opsi.”

PRUWell Saver — the same trade-off as PRUWell Medical

“There’s an optional feature called PRUWell Saver. If you elect it, you agree to pay the first Rp 4–20 million of any inpatient admission, depending on plan tier. In return, your rider charge is lower, and your maximum premium reward jumps from 15% to 20%. It’s a deductible logic — you take a small piece of the risk, the insurer takes the catastrophic risk. Good choice if your household can comfortably absorb that amount in a year you do have an admission. Wrong choice if Rp 5 million unexpected at hospital admission would cause stress.”

“Ada fitur opsional namanya PRUWell Saver. Kalau Anda pilih, Anda setuju bayar Rp 4–20 juta pertama dari setiap rawat inap, tergantung tier plan. Sebagai imbalan, biaya rider Anda lebih rendah, dan reward premi maksimum naik dari 15% ke 20%. Logika deductible — Anda ambil sebagian kecil risiko, insurer ambil risiko catastrophic. Pilihan bagus kalau keluarga Anda bisa absorb angka itu di tahun yang ada rawat inap. Pilihan salah kalau Rp 5 juta dadakan saat masuk rumah sakit bikin stress.”

Premium reality — rider charge inside a PAYDI

“Last point: your rider charge isn’t fixed in rupiah. It rises with age, with medical inflation, with claim history, and is deducted from your PAYDI account value. Mercer Marsh data showed Indonesian medical inflation at 13.6% in 2023, far above general inflation. The reward offsets some of that if you stay healthy. But on top of medical inflation, your PAYDI fund needs to grow fast enough to absorb the rider charge — if the fund underperforms, you may face a top-up premium request from Prudential to keep the policy in force. I’d like to walk you through a 5-year and 10-year projection with a realistic fund return assumption, not the marketing assumption.”

“Poin terakhir: biaya rider Anda gak fix dalam rupiah. Naik seiring usia, inflasi medis, riwayat claim, dan dipotong dari account value PAYDI. Data Mercer Marsh tunjukkan inflasi medis Indonesia 13,6% di 2023, jauh di atas inflasi umum. Reward offset sebagian kalau Anda sehat. Tapi di atas inflasi medis, fund PAYDI Anda harus tumbuh cukup cepat untuk nyerap biaya rider — kalau fund underperform, Prudential bisa minta top-up premi untuk jaga polis tetap aktif. Saya ingin jalanin proyeksi 5 dan 10 tahun dengan asumsi return fund yang realistis, bukan asumsi marketing.”

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1. “PRUWell limit Rp 72,5 miliar — itu yang saya dapet setiap tahun?”

“The Rp 72.5 billion PRUWell ceiling — is that what I get every year?”

Don't say “Yes, every year.” — this is mis-selling; the figure combines base cap + Limit Booster which depletes.

Don't say “Iya, setiap tahun.”

Do say “Let me be precise. The Rp 72.5 billion is the combined ceiling on the Diamond plan — Rp 22.5 billion is the annual cap that renews each year. The other Rp 50 billion is the Limit Booster — a one-time top-up over the life of your rider. Every rupiah you draw from the Booster reduces it permanently. So if you have a Rp 10 billion claim that exhausts your annual cap, the next Rp 5 billion comes from the Booster, and your Booster is now Rp 45 billion for the rest of the rider’s life. The annual cap resets; the Booster doesn’t. It’s still extraordinary headroom — most competitor plans cap at Rp 1–3 billion total — but I want you to know exactly what you’re buying.”

Do say “Saya jelasin tepat. Rp 72,5 miliar itu plafon gabungan di plan Diamond — Rp 22,5 miliar plafon tahunan yang renew tiap tahun. Rp 50 miliar lainnya itu Limit Booster — top-up one-time selama masa rider. Setiap rupiah yang Anda tarik dari Booster, jumlahnya berkurang permanen. Jadi kalau ada claim Rp 10 miliar yang habiskan plafon tahunan, Rp 5 miliar berikutnya tarik dari Booster, dan Booster Anda sekarang Rp 45 miliar untuk sisa masa rider. Plafon tahunan reset; Booster tidak. Tetap headroom luar biasa — kebanyakan competitor plafon-nya Rp 1–3 miliar total — tapi saya mau Anda tahu persis yang dibeli.”

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2. “Saya udah punya BPJS plus asuransi kantor. Untuk apa beli rider ini?”

“I already have BPJS plus my company’s health benefit. Why buy this rider?”

Don't say “Company benefit isn’t enough.” — the customer chose to trust their employer.

Don't say “Asuransi kantor kurang.”

Do say “Both BPJS and your employer policy are good — keep them. PRUWell Health, like any private medical cover, sits on top for three reasons. First, employer cover ends when you change jobs; the rider stays with you. Second, employer plans typically cap at Rp 200–500 million per year — workable for routine events, but they break on a serious cancer or cardiac case. Third, BPJS is your safety net but waiting times can be an issue for time-sensitive treatment. The honest question for you is: do you want this cover bundled into a PRULink contract (which means you also need the investment component), or as a standalone product like PRUWell Medical or another insurer’s offering? I can walk you through both.”

Do say “BPJS dan asuransi kantor bagus — keep both. PRUWell Health, seperti cover medis swasta lain, sit on top karena tiga alasan. Pertama, asuransi kantor berakhir saat Anda pindah kerja; rider ini ikut Anda. Kedua, asuransi kantor biasanya plafon Rp 200–500 juta per tahun — cukup untuk event rutin, tapi mentok di kasus cancer atau jantung serius. Ketiga, BPJS itu safety net tapi waktu tunggu bisa jadi masalah untuk treatment yang time-sensitive. Pertanyaan jujur buat Anda: mau cover ini dibundle dalam kontrak PRULink (artinya Anda juga butuh komponen investasinya), atau sebagai produk standalone seperti PRUWell Medical atau dari insurer lain? Saya bisa jalanin dua-duanya.”

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3. “Kenapa harus pakai PAYDI? Saya gak suka unit-linked.”

“Why does this have to attach to a PAYDI? I don’t like unit-linked.”

Don't say “Unit-linked is fine, you’ll get returns too.” — pushes the customer; ignores their preference.

Don't say “Unit-linked itu bagus, dapet return juga.”

Do say “Your preference is valid and I’m going to respect it. PRUWell Health, by design, is a rider — it only exists attached to a PAYDI base. If you don’t want unit-linked, you shouldn’t take this product. The good news is: Prudential has a standalone version called PRUWell Medical with the same plans, same Limit Booster, same premium reward — without the unit-linked attachment. You can also look at Allianz Flexi Medical or Tokio Marine Optimum, both of which are clean standalone health products with no investment component. Let’s compare those three properly and pick the one that fits your structure preference.”

Do say “Preferensi Anda valid dan saya hormati. PRUWell Health by design itu rider — hanya ada sebagai attachment ke base PAYDI. Kalau Anda gak mau unit-linked, jangan ambil produk ini. Kabar baiknya: Prudential punya versi standalone namanya PRUWell Medical dengan plan yang sama, Limit Booster yang sama, reward premi yang sama — tanpa attachment unit-linked. Anda juga bisa lihat Allianz Flexi Medical atau Tokio Marine Optimum, dua-duanya produk kesehatan standalone yang bersih tanpa komponen investasi. Kita bandingkan tiga-tiganya dengan benar dan pilih yang cocok dengan preferensi struktur Anda.”

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4. “Kalau fund PAYDI saya jatuh, asuransi kesehatan saya gimana?”

“If my PAYDI fund drops, what happens to my health cover?”

Don't say “Don’t worry, it’s covered.” — vague; defensive.

Don't say “Tenang, ter-cover kok.”

Do say “Excellent question — and an honest one I’d ask if I were in your seat. The rider charge is deducted from your PAYDI account value each month. If the fund underperforms — bad market year, fund manager misstep, whatever — the account value falls and at some point Prudential will send a notice asking you to top up the premium to keep the policy in force. If you don’t top up, the policy can lapse and the health cover goes with it. That’s the structural risk that does not exist on PRUWell Medical standalone. The mitigation is: pick a conservative fund allocation, monitor your statement quarterly, and have a top-up buffer ready. Or — if this risk feels too uncertain — switch to PRUWell Medical or another standalone product where the premium and the cover are decoupled from market performance.”

Do say “Pertanyaan bagus — dan jujur, kalau saya di posisi Anda saya juga akan tanya. Biaya rider dipotong dari account value PAYDI tiap bulan. Kalau fund underperform — tahun pasar jelek, fund manager salah langkah, apapun — account value turun dan pada titik tertentu Prudential kirim notice minta top-up premi supaya polis tetap aktif. Kalau Anda gak top-up, polis bisa lapsed dan cover kesehatan ikut hilang. Itu risiko struktural yang gak ada di PRUWell Medical standalone. Mitigasinya: pilih alokasi fund konservatif, monitor statement per kuartal, siapin buffer top-up. Atau — kalau risiko ini terasa terlalu uncertain — pindah ke PRUWell Medical atau produk standalone lain di mana premi dan cover gak terikat performance pasar.”

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5. “Kenapa ada 18 penyakit yang gak dicover 12 bulan pertama?”

“Why are there 18 specific diseases excluded for the first 12 months?”

Don't say “It’s standard.” — vague; doesn’t address customer concern.

Don't say “Itu standar saja.”

Do say “There are 18 conditions — including hypertension, diabetes, heart disease, kidney stones, cataract, hernias, tumors, gallstones, and others — that are not covered for the first 12 months of the rider. This is a defense against people buying the product because they already suspect they have one of these conditions. Underwriting doesn’t catch every undiagnosed case, so the 12-month gate filters anyone who develops symptoms in year one. After 12 months, all 18 are covered normally. The implication for you: if you have recent symptoms of any of these, mention them on your application. We may underwrite with a permanent exclusion or adjust the rider charge, but you’ll know upfront — far better than a claim denial down the road. I’ll walk you through the full list before you sign.”

Do say “Ada 18 kondisi — termasuk hipertensi, diabetes, penyakit jantung, batu ginjal, katarak, hernia, tumor, batu empedu, dan lain-lain — yang gak dicover di 12 bulan pertama rider. Ini defense terhadap orang yang beli produk karena udah curiga punya salah satu kondisi itu. Underwriting gak nangkep semua kasus yang belum terdiagnosa, jadi gate 12 bulan filter siapa pun yang berkembang gejalanya di tahun pertama. Setelah 12 bulan, ke-18-nya cover normal. Implikasi buat Anda: kalau ada gejala salah satunya akhir-akhir ini, sebutkan di aplikasi. Kami mungkin underwrite dengan exclusion permanen atau adjust biaya rider, tapi Anda tahu di awal — jauh lebih baik daripada claim ditolak nanti. Saya jalanin list lengkapnya sebelum Anda tanda tangan.”

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These are the issues most likely to trigger an OJK complaint or churn-back from a PRUWell Health customer in 2026 under the tightened conduct rules and POJK 36/2025 co-payment regime (effective January 2026 for health insurance). Build agent training around avoiding all of them. Several of these are also the angles a Legacy Income agent should flag when prospects bring PRUWell Health to the conversation — make sure compliance-driven framing is honest, not opportunistic. Note: RIPLAY is not available at brief time, so several mechanic details below are inferred from the sibling PRUWell Medical RIPLAY (same insurer, same franchise, dated 2026-04-29) — verify against the PRUWell Health RIPLAY before agent deployment.

1. Headline “Rp 72.5 billion” overpromise. The Diamond combined ceiling is a marketing anchor, not an annual entitlement. Always disclose: Rp 22.5B base annual cap renews each year; Rp 50B Limit Booster is one-time and depletes. Get verbal and written acknowledgment that the customer understands the difference. Single highest mis-selling risk on the product.

2. Rider-vs-standalone confusion. Customers must understand that PRUWell Health is a rider on a PAYDI base — meaning they are buying two products (PAYDI base + health rider), not one health policy. The PAYDI cost-of-insurance, fund performance, and top-up obligation must be disclosed at SPAJ. Mis-selling complaint vector if customer thinks they bought “just a health plan.”

3. PAYDI account-value erosion risk. Customers who do not understand that the rider charge is deducted from their PAYDI account value will be surprised by top-up requests if the fund underperforms. Walk through a realistic fund-underperformance scenario at SPAJ; document customer acknowledgment.

4. 18-disease 12-month gate clarity. Customers with undisclosed pre-symptoms for any of the 18 listed diseases (hypertension, diabetes, heart disease, etc.) face automatic claim denial for the first 12 months. Disclose the full list at SPAJ. Get written confirmation of disclosure or non-disclosure of related symptoms.

5. PRUWell Saver vs base rider charge confusion. Customers who select PRUWell Saver to lower the rider charge and forget the Rp 4M–20M out-of-pocket obligation per admission will be shocked at the hospital cashier. Walk a concrete admission scenario: “Imagine you’re admitted tomorrow with appendicitis. Before insurance pays, you owe Rp 5 million. Are you ready for that?” Get verbal confirmation.

6. POJK 36/2025 co-payment compliance. PRUWell Saver is a POJK 36/2025-aligned cost-sharing mechanic — do not market this product as “no co-payment.” Frame: “Yes, you share cost on each admission — that’s now regulator-required across all health products from January 2026 forward, regardless of insurer.” Separate gate: cancer with signs, symptoms, diagnosis, or treatment within 90 days of inception is excluded (shorter than the listed-18’s 12-month rule). Flag any vague pre-cancer indications upfront.

7. Multiplier penalty disclosure (likely applicable — confirm via RIPLAY). Brochure references “Multiplier yang dikenakan” as a determinant of the rider charge, consistent with the PRUWell Medical mechanic of 1.5x or 2x premium penalty triggered by approved claims from non-PRUPriority Hospitals. Assume applicable until RIPLAY confirms; walk the PRUPriority list with the customer at SPAJ and document preferred-hospital match.

8. Fixed coverage term election. Unlike PRUWell Medical (annually renewable to 99 by default), PRUWell Health requires the customer to elect a fixed coverage term — 55, 65, 75, 85, or 99. A customer electing “to age 65” because of a lower charge today will be without health cover at age 66 and may struggle to obtain replacement cover at that age. Default to “to age 99” unless the customer has a specific reason otherwise; document the customer’s elected age explicitly.

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1. Build a one-page “PRUWell Health vs PRUWell Medical vs Standalone Competitors” handout (EN + ID). This is the single highest-leverage agent tool. Three columns: (a) PRUWell Health (rider on PAYDI, account-value risk, fixed term), (b) PRUWell Medical (standalone, auto-renewable to 99, no PAYDI), © Allianz Flexi Medical (standalone, family bundling, Flexi Benefit accrual). Walk every prospect through this comparison before deciding. Many customers who think they want PRUWell Health actually want PRUWell Medical or a standalone competitor.

2. Build a PAYDI-erosion objection card. When a Legacy Income prospect mentions “but my Prudential agent is pitching me PRUWell Health,” our agent should ask in 30 seconds: “Do you understand that the rider charge is paid from your PRULink account, not as a separate premium? Have they shown you a scenario where the fund underperforms and you get a top-up notice? Have they explained that PRUWell Medical gives you the same health cover without the PAYDI attachment?” If the prospect can’t answer any of these, we win the conversation on transparency.

3. Distribute the PRUPriority list (publicly available at bit.ly/PMN-RSRekanan referenced in the PRUWell franchise documents). Legacy Income agents should have it on phone and laptop. The Multiplier-penalty disclosure question is the same on PRUWell Health as on PRUWell Medical — confirm the prospect’s preferred hospitals are on the list before letting them buy.

4. POJK 36/2025 talking points training. Every Legacy Income health-product pitch (Allianz Flexi Medical, Tokio Marine Optimum/Premier) needs to address co-payment honestly in 2026. PRUWell Saver is one POJK-aligned implementation; Allianz Flexi Benefit + co-pay is another. Train the team to explain “why co-payment exists now, regardless of which company you choose” — this normalizes the conversation and removes Prudential’s “PRUWell is ahead of the curve” framing edge. This action item is shared with the PRUWell Medical brief and the future Allianz Flexi Medical brief.

5. Refresh trigger: when the PRUWell Health RIPLAY becomes available, re-run this brief to verify the Multiplier mechanic, the full exclusion list, and the exact PRUWell premium-reward ladder. Currently those three areas are inferred from the sibling PRUWell Medical RIPLAY. Also refresh when health-category PDF coverage exceeds 60% across the Indonesia Life Insurance Market Intelligence project, particularly to compare Limit Booster mechanics across the field, since this is the PRUWell franchise’s most distinctive structural feature.

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