UMMAH LINK BADAL HAJI AND MEDICAL CARD WHATSAPP 0173507248

Many people plan for the big things in life. 

We plan for a good life and we plan for the well being of ourloved ones. In our pursuit for all these good things inlife, as Muslims, we ought to also prepare for spiritual fulfillment.PruBSN Ummah is a unique plan that will assist youto fulfill your religious aspirations and obligations.It not only protects you and equips you with future savings, but also aids you as a Muslim with its unique features such as Hajj Allowance, Badal Hajj, Double Takaful benefit and Islamic Will Writing. Now, the new enhanced PruBSN Ummah comes with additional optional benefits such as Double Takaful Plus, Ummah Saver and Contributor riders. This plan is also available for your child as young as 1 year old. It provides you with options to help you grow your savings faster and get wider and better coverage for you and your loved ones. PruBSN Ummah. The plan that keeps you and your loved ones focused on higher purposes – now and the hereafter. A glimpse of what PruBSN Ummah can offer

Plan and Grow your Savings

• Earn loyalty bonus as Hajj Allowance.

• Increase your savings with Ummah Saver.

• Plan your savings for your holy journey – be it for Hajj or Umrah. Get Wider Protection

• Find solace in the form of Compassionate Benefit and Badal Hajj on top of your basic coverage.

• Get Double Takaful benefit during your first Hajj and Umrah and extend it for every 

  Hajj or Umrah trips with Double Takaful Plus rider.

• Enhance your plan to include coverage on critical Illness.

• Ensure continuous protection with a range of Contributor riders.

• Now you can start planning the spiritual journey for your children as young as 1 year old. 

  Achieve Spiritual fulfillment

• Fulfill your Hajj obligation through Badal Hajj benefit.

• Sense of security for your family back home.

• Manage your estate properly via Islamic Will Writing.

Fast facts:

1. Costly Hajj expenses

The current cost of Hajj under Tabung Haji is RM9,880 while cost of Hajj under any Hajj Travel Agency will require at least double the amount. (Tabung Haji official brochure, 2010)

2. Importance of Having a Will

Narrated Abdullah bin Umar: Allah’s Apostle said, “It is not permissible for any Muslim who has something to will to stay for two nights without having his last will and testament written and kept ready with him.“ (Sahih Bukhari)

3. Statistics of Critical Illnesses Deaths

60% of deaths in Malaysia are caused by cancers, heart and respiratory related illnesses. (WHO, 2009)

PRUBSN PLATINUM

What you desire to achieve in life is different from what your parents or even the person next to you want. Whether it is providing the finest care for your parents and education for your children, advocating charitable endowments or satisfying your lifelong bucket list, we understand that the financial strategies you make are complex and serves a very personal purpose. PruBSN Platinum is designed to make your money work harder with the flexibility to adjust according to your life’s shifting priorities and challenges through protection, savings, investments and annual cash payouts, so you and your loved ones can experience life’s extras.

PRUBSN SMARTLINK (PREGNANCY & BABY BENEFIT)

PRUBSN SMARTLINK (PREGNANCY & BABY BENEFIT)

The best thing in life comes in small packages – same goes with the arrival of a newborn baby. But why wait until your baby is born to show that you really care. Now PruBSN SmartLink extends its coverage so that you can start protecting your little one from inside your womb. This ingenious plan provides you with comfort knowing you and your baby are in good hands – right from the start.

1. What is the extended coverage provided in PruBSN SmartLink? PruBSN SmartLink allows you to cover your child as early as 20 weeks into pregnancy. During this period we will provide your child with essential coverage until he is born. Get Extra Basic and we will add coverage during your pregnancy and post-natal benefits for your newborn.
2. Who is eligible for PruBSN SmartLink plan?
   PruBSN SmartLink is yours from the moment you are 20 weeks into pregnancy and if you are between 19 and 45 years old.
3. I’m not pregnant now, do you have similar plan for me when I’m ready to start a family?
   Once you are ready to start a family, you may take up Baby Care rider. This rider protects your baby and support you during pregnancy and after birth – and we provide the same coverage for multiple births. We will also provide you with Immunisation Bonus of RM200; 2 years after your baby is born.
4. Who is eligible for Baby Care rider?
   If you are between 19 and 40 years old, you can attach this rider with your PruBSN FirstLink or PruBSN TakafulLink plan. The plan covers you as long as you are pregnant before you reach 46 years old
5. What is the summary of benefits offered by these plans?The best thing in life comes in small packages – same goes with the arrival of a newborn baby. But why wait until your baby is born to show that you really care. Now PruBSN SmartLink extends its coverage so that you can start protecting your little one from inside your womb. This ingenious plan provides you with comfort knowing you and your baby are in good hands – right from the start.
6. What is the extended coverage provided in PruBSN SmartLink? PruBSN SmartLink allows you to cover your child as early as 20 weeks into pregnancy. During this period we will provide your child with essential coverage until he is born. Get Extra Basic and we will add coverage during your pregnancy and post-natal benefits for your newborn.

PRUBSN PROTECT

PRUBSN PROTECT

OUR LOVED ONES DEPEND ON US In everything we do, we commit ourselves to one specific goal; the goal to achieve peace of mind at old age knowing that we will be leaving a legacy to our loved ones. Taking the first step towards achieving this goal is the most rewarding and priceless gift we can give to them. However, what if we face any untoward situations at any point in life? In the absence of a good plan, we leave our loved ones without a source to keep going. It is important to have a solid financial plan in place. One that will provide you and your loved ones with the necessary protection, in case your life has taken an undesirable turning at any point of time

With PruBSN Protect, life continues PruBSN Protect prepares you and your family for unexpected loss of life, or disability. This provides financial continuance for you and your loved ones to carry on even if you are no longer with them or if your income earning ability has stopped. Through varying types of commitment, you can have a plan specific to your lifestyle and needs.

This innovative plan takes into consideration life’s every possibility by providing a viable financial solution to keep you and your family going. PruBSN Protect. A plan designed with everyday life in mind. How PruBSN Protect helps you Financial protection for your family Provide your family with cash if you lose your life, so they can continue their lives without financial worries.

Financial protection for you Provide you with cash if you cannot continue to earn a living due to a total and permanent disability. Financial protection against inflation With PruBSN ProtectPlus, your sum covered increases by 5% every 3 years throughout the duration of the certificate, thus protecting your coverage against inflation.

Leave a legacy for those you love Secure your loved ones against financial hardship in the event of your demise. Secure your business continuity Compensate your business partners for your loss. Minimal contribution for comprehensive benefit Ensure comprehensive financial protection with contribution from as low as RM0.671 a day!

Secure a home for your family Use the cash provided from this plan to pay off your mortgage to secure a home for your family if the unexpected happens to you. Keep your loved ones secured from financial burdens Your family can use the payout to settle any outstanding debts.

Choose the coverage that suits you If you want... We give you... PruBSN Protect PruBSN ProtectPlus, A plan that will last long enough to ensure your loved ones are adequately protected Coverage against loss of life until you are 80 years old.

✓ ✓ A plan that will last long enough to protect you longer Coverage against total and permanent disability until you are 70 years old.

✓ ✓ Protection for you little ones Protection for your child as early as 14 days old.

✓ ✓ To continue protecting your child in his/her adulthood Ability to convert your child’s coverage to an adult plan upon his/her 19th birthday.

✓ ✓ A protection plan you can afford. Value-for-money plan according to your budget.

✓ ✓ A hassle-free sign-up process Automatic acceptance up to a certain level of coverage.

✓ ✓ Options to enhance your protection level Additional benefits to protect you against accidental mishaps and additional benefits to protect your income.

✓ ✓ Financial protection against inflation Automatic increase in the amount of your coverage in every 3 years.

✓ A plan that does not require you to pay more as you get older The same amount of contribution each year throughout the duration of your coverage.

PROTECTION OF UNCERTAINTY

BECAUSE YOU DESERVE THE BEST

Many people are caught unaware when it comes to healthcare. We hear of unexpected events that happen almost daily in our lives. How many times have you heard of stories of friends or family members feeling ill one day, only to be diagnosed with a critical illness? Without adequate protection, we are sometimes left feeling helpless. Putting in place a financial plan is a wise thing to do now. Your life is precious. Not only to you, but also to your loved ones. A good financial plan will help you in difficult times, allowing you to focus on recovering, while the rest is being taken care of.

Discover a financial plan that gives you the best Created on the platform of being a broad protection plan, PruBSN CrisisCover is a carefully designed plan that protects you and your loved ones against financial crisis if unfortunate events happen.

• Critical Illnesses such as heart attack, cancer, coronary artery disease, stroke, kidney failure and chronic liver disease are some of the illnesses covered, as well as loss of life and total and permanent disability.
• On top of that, you can also add on additional coverage to strengthen your level of protection. PruBSN CrisisCover. The support you need when you need it most. How PruBSN CrisisCover helps you Financial support in times of need Provide you with cash if you are diagnosed with one of the covered 36 critical illnesses so you can get the necessary treatment.
• Financial protection for your family Provide your family with cash if you lose your life, so they can continue their lives without financial worries.
• Financial protection for you Provide you with cash if you cannot continue to earn a living due to a total and permanent disability. Keep you away from financial stress You do not need to worry about constraints in times of crisis.
• Get better medical treatment With a lump sum cash, superior medical care is within reach.
• Minimal cost with maximum benefit Ensure comprehensive financial protection with contribution from as low as RM0.671 a day!
• Secure a home for your family Use the cash provided from this plan to pay off your mortgage to secure a home for your family if the unexpected happens to you.

How to further enhance your PruBSN CrisisCover?

You may enhance your PruBSN CrisisCover coverage with the following additional optional benefits.

• Ensure continuous financial support for your family Family Income Benefit provides your family a monthly income for 120 months if you are totally and permanently disabled before age 70 or diagnosed with critical illness or if you lose your life.
• Ensure continuous protection Spouse Contributor will pay for your future contribution in the event that your spouse is diagnosed with a critical illness or becomes totally and permanently disabled or passes away.
• Parent Contributor will pay for your child’s future contribution in the event that you are diagnosed with a critical illness or becomes totally and permanently disabled or pass away.
  Who can take up PruBSN CrisisCover?
• You can take up this plan from as early as 19 years old and as late as 65 years old.
• You can also start protecting your children from as young as 2 weeks old. You can choose the term of coverage subject to a minimum of 10 years and expiry age up to 80 years old.
  What are the benefits provided below the age of 5?
• In the event of critical illness, disability or loss of life before the age of 5, a reduced basic sum covered payable will be payable as follows. This is called a juvenile lien. Age 1 2 3 4 5 and above Percentage of Basic Sum Covered payable 20% 40% 60% 80% 100%
  How much do I contribute for this plan?
  The minimum monthly contribution is RM20. However, your actual contribution amount will depend on the following: • your age • your amount and term of coverage • your health status • your occupation (if applicable) • your gender • your payment method and frequency How does sharing of Investment Profit on Mudharabah principles work? The Mudharabah principles allow any investment profit arising from the Individual Special Account (ISA) to be shared between you and us. You will receive 80% of the investment profit, while we will receive the balance of 20%. Your share of the profit will be placed back into your ISA.
  Will I receive any surplus from this plan?
• You are entitled to receive at least 50% of the distributable surplus
  (if any) on yearly basis. The balance of up to 50%
• is shared with us as an incentive for managing the Tabarru’ Fund. Your portion of the distributable surplus will be placed back into your ISA.
• The returns from your account will be based on the actual performance of the account and are not guaranteed. • The investment risk of your account is borne solely by you and the benefits may be less than your total contributions. • You should continue paying your contributions regularly until the end of your coverage term to ensure that you are fully protected under the plan at all times. Failing to do so may cease your coverage prematurely. You are entitled for an individual tax relief amounting up to RM6,000 a year when you participate in this plan, subject to terms and conditions of the Inland Revenue Board (IRB). •
• PruBSN Crisis Cover does not provide any benefit amount from the Tabarru’ Fund on termination, expiry or maturity of certificate. •

Critical Illnesses

List of 36 critical illnesses covered

• AIDS due to blood transfusion or full blown AIDS Coronary artery disease including Angioplasty and other invasive treatments for coronary artery disease
• Medullary cystic disease
• Aplastic anaemia Deafness Meningitis Apallic syndrome Encephalitis Motor neurone disease
• Alzheimer’s disease Fulminant viral hepatitis
• Multiple sclerosis
• Benign brain tumour
• Heart attack
• Muscular dystrophy
• Blindness
• Heart valve replacement
• Paralysis Brain surgery
• Kidney failure
• Parkinson’s disease
• Cancer Loss of independent existence
• Poliomyelitis
• Cardiomyopathy
• Loss of speech
• Primary pulmonary arterial hypertension
• Chronic liver disease
• Major burns
• Stroke
• Chronic lung disease
• Major head trauma
• Surgery to aorta
• Coma Major organ transplant
• Systemic lupus erythematosus lupus nephritis
  Find out how to best protect your family and yourself through a complete and suitable plan made especially for you and how to get the most for you and your family from us at Prudential BSN Takaful by calling any of our personnel or agents for a full consultation and get yourself the right protection today

TAKAFUL SMARTEDU - (CHILDREN'S EDUCATION PLAN)

TAKAFUL SMARTEDU - (CHILDREN'S EDUCATION PLAN)

It’s good to know that this plan watches over your child just like you would SmartEdu-i Award Your Child’s Educational Journey Education is the key to your child’s life journey. As parents, you will stop at nothing to ensure that your child continues to receive the best education in life, even in the event of the unexpected. Introducing SmartEdu-i, a regular contribution investment-linked takaful plan underwritten by Prudential BSN Takaful Berhad (PruBSN) and distributed by Standard Chartered Saadiq Berhad (Standard Chartered Saadiq). SmartEdu-i is a plan that links protection, investment and rewards innovatively. This is the plan that protects you and your child while PruBSN continues to build your child’s education fund. It also awards your child for excellent academic achievements through its unique benefit, EduSmart Bonus.With SmartEdu-i, your child’s educational journey will be a rewarding one.

 Why Choose the SmartEdu-i Plan?

• Affordable Monthly Contributions Your child will be protected from as low as RM50 per month. Choose From a Range of Additional Benefits2 Enhance your child’s plan with additional benefits.

Frequently Asked Questions (FAQs)

• Who is eligible? You are eligible for this plan if your child is between the age of 1 to 18 years old.

How does SmartEdu-i work?

• SmartEdu-i is based on Wakalah Bil Ajr model which is an arrangement for PruBSN to manage your takaful plan. Your contribution will be placed in your account after deducting a wakalah charge which constitutes the fee for the overall management services provided. The takaful protection comes from the Tabarru’ Fund.
• Will I receive any Surplus from this plan? You are entitled to receive any distributable surplus inclusive of investment profit (if any) at the end of each financial year. Together with other participants, you are entitled to at least 50% of the surplus and PruBSN will receive the balance of up to 50% as incentive for managing the Tabarru’ Fund. Your portion of the distributable surplus will be placed back into your account. The exact amount of distributable surplus will be determined annually and is subject to approval by both the Shariah Committee and the Board of Directors of PruBSN.

• How do I claim the EduSmart Bonus? It is simple! 1. Ensure your contribution payment is up to date. 2. Make a certified true copy of your child’s original exam certificate. 3. Submit the copy at any of the PruBSN branches nationwide. 4. Once verified, you will receive a cheque for your child’s achievement. 3 Applicable for certificates with terms of 20 years or more. For certificates with terms less than 20 years, the charge will be reduced accordingly. Please refer to the plan illustration for detailed information.
  
  
  
  
  
  
  

MEDICAL CARD FROM PRUBSN TAKAFUL LINK

HEALTH ENRICH (MEDICAL CARD)

HealthEnrich is Uniquely You Your health is a privilege and you deserve a plan that reflects your medical needs. At Prudential BSN Takaful Berhad (PruBSN), we want you to live your life without compromising your health. HealthEnrich is designed to ensure you experience unparallelled medical treatment, fully covered.

Feel secure when you receive medical advice from leading experts around the world. Be at ease during pregnancy with our exclusive maternity complications coverage. You can also enjoy the comfort and privacy of a suite with a dedicated medical attendant taking care of your needs. All these features and more crafted to complement your unique lifestyle. Now, let’s discover your lifestyle. Are You... YOUNG AND LOOKING FOR FREEDOM IN LIFE? DEDICATED AND TAKING MORE COMMITMENTS IN LIFE? A HIGH ACHIEVER AND SEEKING FOR THE BEST IN LIFE? ACCOMPLISHED AND LIVING A DISTINGUISHED LIFESTYLE?

Start Early Fulfil Life Take the Lead Enjoy Exclusive Privileges

Start Early with HealthEnrich Vital

The moment is here for you to stand on your own feet. Start early with a plan that provides vital medical protection and suits your vibrant lifestyle. MEDICAL TREATMENT that is within easy reach at our nationwide network of SECURITY when you explore the world knowing that you are covered worldwide FLEXIBILITY to upgrade the plan as your needs grow with your changing lifestyle 70 hospitals

HEALTH ENRICH VITAL CO-TAKAFUL

• If You are Hospitalised Hospital Daily Room and Board (maximum 120 days per year)
• RM150 Intensive Care Unit (maximum 30 days per year) As charged subject to Co-Takaful
• Surgical Procedure and Treatment In-Hospital and Related Services If You Need Outpatient Treatment Day Surgery As charged
• Pre-Hospitalisation and Post-Hospitalisation Treatment (within 90 days before and after hospitalisation) As charged subject to Co-Takaful
• If You are Coping with Life-changing Illnesses Cancer Treatment As charged If You are in an Emergency Emergency Treatment for Accidental Injury (Annual Limit) RM1,500
• Worldwide Emergency Medical Assistance .
• Overall Annual Limit RM30,000 Lifetime Limit RM300,000

HEALTH ENRICH SELECT

Your lifestyle changes when you have a family. Select a plan that fulfils life with optimum protection and satisfies your growing responsibilities. HealthEnrich Select offers you... COMPREHENSIVE hospitalisation and surgical cover Unique benefits for the COMFORT of EXPECTING MOTHERS FULL COVER for your MEDICAL BILLS giving you added security and peace of mind

HealthEnrich Select Co-Takaful Full Coverage If

• You are Hospitalised Hospital Daily Room and Board (maximum 200 days per year) RM200 RM200 Intensive Care Unit (maximum 60 days per year) As charged subject to Co-Takaful
• Surgical Procedure and Treatment As charged
• In-Hospital and Related Services If You Need Outpatient Treatment Day Surgery As charged
• Nursing Care (180 days per lifetime) As charged subject to Co-Takaful
• Pre-Hospitalisation and Post-Hospitalisation Treatment (within 90 days before and after hospitalisation)
• If You are Coping With Life-changing Illnesses Cancer Treatment As charged As charged
• Kidney Dialysis Treatment If You are in an Emergency Maternity Complications (Annual Limit) RM6,000 RM6,000
• Emergency Treatment for Accidental Injury (Annual Limit) RM2,000
• Worldwide Emergency Medical Assistance
  Overall Annual Limit RM60,000 Lifetime Limit RM600,000 RM600,000

Take the Lead with HealthEnrich Advanced

You progress so quickly in life that you seldom pause and think about your future healthcare needs. Take the lead with a plan that provides advanced protection and fulfils your hectic lifestyle.

HEALTHENRICH ADVANCED PROVIDES

you... EASY ADMISSION with pre-arranged hospitalisation and waiver of hospital deposit at our Preferred Hospitals DIRECT CONSULTATION with leading local and international medical experts REWARDS for healthy living with a NO CLAIM BONUS under the co-takaful option .

HealthEnrich Advanced Co-Takaful

Full Coverage Reward for Healthy Living

• No Claim Bonus RM250 Not offered If You are Hospitalised Hospital Daily Room and Board
  (maximum 200 days per year) RM300
• RM300 Hospital Daily Cash Allowance
  (maximum 200 days per year)
• RM100 RM100 Intensive Care Unit (maximum 60 days per year)
  As charged subject to Co-Takaful
• Surgical Procedure and Treatment As charged
• In-Hospital and Related Services Hospital Deposit at Preferred Hospitals Waived Waived If You Need Outpatient Treatment Day Surgery As charged As charged
• Home Nursing Care (250 days per lifetime) As charged subject to Co-Takaful Pre-Hospitalisation and Post-Hospitalisation Treatment (within 90 days before and after hospitalisation) If You are Coping With Life-changing Illnesses Second Medical Opinion
• Consultation and Diagnosis in Malaysia (Annual Limit)
• Consultation with World Leading Experts RM500 Yes RM500 Yes Cancer Treatment As charged As charged
• Kidney Dialysis Treatment Organ Transplant
  (Additional Lifetime Limit)
• RM100,000 If You are in an Emergency Maternity Complications (Annual Limit) RM10,000
• Emergency Treatment for Accidental Injury (Annual Limit)RM3,000
• Worldwide Emergency Medical Assistance
  Overall Annual Limit RM100,000 Lifetime Limit RM1,000,000

ENJOY EXCLUSIVE PRIVILEGES WITH HEALTH ENRICH PREMIER

You want to experience the finest things in life while living healthily. Enjoy exclusive privileges with a plan that offers superior protection and addresses your prominent lifestyle. HealthEnrich Premier offers you...

• LUXURIOUS ACCOMMODATION in a suite and exclusive treatment at our Preferred Hospitals nationwide A DEDICATED MEDICAL attendant to meet your every need SUPERIOR HOSPITALISATION LIMITS for your medical needs
• Health Enrich Premier Full Coverage If You are Hospitalised Hospital Daily Room and Board (maximum 365 days per year) Preferred Hospitals
• Other hospitals RM1,000 | RM500 Hospital Daily Cash Allowance
  (maximum 365 days per year)
• RM200 Dedicated Daily Medical Attendant (maximum 365 days per year)
• RM200 Intensive Care Unit (maximum 120 days per year)
• Surgical Procedure and Treatment As charged
• In-Hospital and Related Services Hospital Deposit at Preferred Hospitals Waived If You Need Outpatient Treatment Day Surgery As charged
• Home Nursing Care (365 days per lifetime)
• Pre-Hospitalisation and Post-Hospitalisation Treatment (within 90 days before and after hospitalisation) If You are Coping With Life-changing Illnesses
• Second Medical Opinion
• Consultation and Diagnosis in Malaysia (Annual Limit)
• Consultation with World Leading Experts RM1,000
• Cancer Treatment As charged
• Kidney Dialysis Treatment Organ Transplant (Additional Lifetime Limit)
• RM200,000 If You are in an Emergency Maternity Complications (Annual Limit) RM20,000
• Emergency Treatment for Accidental Injury (Annual Limit) RM5,000
• Worldwide Emergency Medical Assistance
• Overall Annual Limit RM 200,000 Lifetime Limit RM4,000,000

What you need to know about HealthEnrich 1.

What is HealthEnrich?

• HealthEnrich is a regular contribution medical rider plan that reimburses major medical expenses incurred in the event of hospitalization, surgery or outpatient treatment.
• It has four plans – HealthEnrich Vital, HealthEnrich Select, HealthEnrich Advanced and HealthEnrich Premier – where each comes with a medical card to give you immediate access to any of our panel hospitals. 2. How much contribution do I need to pay? The contribution that you pay is based on your age at entry and does not increase as you get older. The contribution rates are available in Appendix 2. 3.
• What is Organ Transplant benefit?
• Organ Transplant benefit is an additional lifetime limit when you undergo one of the transplant surgeries on kidney, heart, lung, liver, bone marrow or cornea. This additional once-in-a-lifetime benefit is on top of the annual limit and lifetime limit for HealthEnrich Advanced and HealthEnrich Premier
• What are the advantages of Cancer Treatment and Kidney Dialysis Treatment?You can seek treatments such as hemodialysis, radiotherapy and chemotherapy at our panel hospitals using the medical card without any payment of co-takaful. On top of that, HealthEnrich covers any consultations, examination tests and take-home drugs.

PRUDENTIAL TAKAFUL UMMAH LINK

UMMAH LINK

IN YOUR QUEST FOR LIFE FULFILMENT, PLAN AHEAD

How many of us have put aside some savings to use when we encounter an unexpected financial crisis?

We spend years of planning towards a comfortable future but sometimes still not enough to take care of things that matter in our life. Whether you are planning to perform Hajj or Umrah, building education or retirement fund or simply having some extra cash to enjoy a nice vacation with your family, you need a reliable plan that fulfils your every quest in life. PruBSN UmmahLink takes you one step ahead in growing your savings whilst providing you with the necessary protection for your life plans. With PruBSN UmmahLink, you will receive back your savings through cash payout every two years, enjoy life and financial protection as well as having information at your fingertips that will take you a step closer towards life fulfilment.

Build and Safeguard your Quest

• Savings and Cash Payout Protection
• Accumulate your savings through CashBuilder with cash payout
  every two years.
• Entitlement for a series of lucky draws through your savings.

Optimise Potential Investment Returns

• Optimise your investments via investing in the Takafulink Funds.
• Ease financial burden with Death or Total and Permanent Disability (TPD) Benefit, Double Takaful Benefit, Badal Hajj Benefit and Compassionate Benefit. Extend your coverage in medical, critical illness and other life protection benefits for total peace of mind.
• Guides you to a remarkable spiritual journey with information at your fingertips.
• Plan Ahead for Endless Reward CashBuilder is a saving instrument that can be customised to assist you in your quest for life fulfilment where it is invested in Cash Unit Account (CUA) and Investment Unit Account (IUA). One portion of the CashBuilder provides cash payout every two years for better financial planning with the amount that you decide to have. You may decide whether to accumulate the cash payout in your Cash Unit Account (CUA) for higher cash value or auto-transfer the amount to your Tabung Haji account or personal savings account if you are planning to perform Hajj or Umrah or your other quests in life. In order to optimise your investment growth, the other portion provides potential returns through investment in Takafulink Dana Ekuiti.
  Below is an illustration of how PruBSN UmmahLink with CashBuilder rewards you in the long run.

EXAMPLE :

• RM1,000 cash payout every two years (auto-transfer to Tabung Haji* / savings account) Total cash payout over 30 years = RM15,000 Maturity amount from CUA at year 30 = RM6,600
• Potential investment return Total projected cash value
  (excluding total cash payout and maturity amount from CUA) at year 30: Scenario 1 = RM137,098 Scenario 2 = RM55,629

The above diagram is for illustration purposes only based on male, 30 years old, and nonsmoker with sum covered of RM200,000 and RM1,000 cash payout for every two years. The total projected cash value from your investment portion is based on investment in the Takafulink Dana Ekuiti and Takafulink Dana Simpanan and is not guaranteed. Scenario 1 and 2 are based on a gross growth rate of 9% and 2% for Takafulink Dana Ekuiti respectively, and 2.42% and nil for Takafulink Dana Simpanan respectively. That’s not all. Your savings through CashBuilder entitles you for a series of lucky draws carried out by Bank Simpanan Nasional (BSN) through their Sijil Simpanan Premium (SSP)** draws, thus giving you opportunities to win attractive prizes! ** SSP (which includes the lucky draws) is a Shariah-compliant product approved by the Shariah Committee of Bank Simpanan Nasional. Subject to terms and conditions.

PROTECT WHAT MATTERS THE MOST

BASIC COVERAGE

• Sum covered in the event of loss of life or Total and
  Permanent Disability (TPD).

COMPASSIONATE BENEFIT

• Provides RM2,000 for funeral expenses in the event of death

BADAL HAJJ

• In the event that you are incapable of performing Hajj due to loss of life or TPD, the Badal Hajj benefit opens up the possibility for your nominee to perform Hajj on your behalf with amount payable of RM3,000.
• For non-Muslim customers, this benefit is payable as additional compassionate benefit.

DOUBLE TAKAFUL BENEFIT

• Double basic sum covered amount in the event of loss of life or TPD during any Hajj or Umrah trip

ENHANCED BENEFITS

• Choice to enhance your plan to complement your life style and needs with additional coverage on medical, critical illness, accidental or disability.

About PruBSN UmmahLink

PruBSN UmmahLink is a regular contribution investment-linked takaful plan that provides you with protection, investment and savings.

How much is the contribution?

• The minimum contribution is RM150 per month including the contribution of CashBuilder. The contribution for the CashBuilder is based on the cash payout amount.

Who is eligible for this plan?

• The plan is open to individual aged between 19 and 70 years old. The expiry age of the plan is 80 years old. Age refers to Age Next Birthday.

What are the charges and deductions?

• The details of charges and deductions are listed in the table on the next page. All charges are not guaranteed. PruBSN reserves the right to change the rates by giving prior notice to customers.