Healthcare benefit option requires segregated voluntary pension contributions, regulatory approval, restricted medical use, and retirement rollover flexibility.

The healthcare benefit option requires a separate Healthcare Sub-Account, segregated from main pension contributions, for subscribers who voluntarily elect the benefit. Prior regulatory approval is required, and contributions are subject to a maximum limit of ten percent of total contributions. Sub-account funds may be invested in low-risk, highly liquid instruments and used only for hospital expenses. They may be accessed before retirement for medical emergencies or planned healthcare expenses, while unused retirement balances may purchase health insurance or be rolled over into the main pension corpus.

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