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    <description>Healthcare benefit option requires a separate Healthcare Sub-Account, segregated from main pension contributions, for voluntary Subscriber contributions. Prior approval is required, and Subscriber contributions to the sub-account cannot exceed ten percent of total contributions. Funds must be invested in low-risk, highly liquid portfolios and used only for authorised hospital expenses. They may be accessed before retirement for healthcare needs, while unused retirement balances may fund health insurance or be rolled into the main pension corpus.</description>
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      <description>Healthcare benefit option requires a separate Healthcare Sub-Account, segregated from main pension contributions, for voluntary Subscriber contributions. Prior approval is required, and Subscriber contributions to the sub-account cannot exceed ten percent of total contributions. Funds must be invested in low-risk, highly liquid portfolios and used only for authorised hospital expenses. They may be accessed before retirement for healthcare needs, while unused retirement balances may fund health insurance or be rolled into the main pension corpus.</description>
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