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.
- 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.
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whereby you could make a partial withdrawal for your Child's Education Purposes.
Kini anda boleh dapatkan sokongan dan lindungi si manja sebelum dia melihat dunia untuk pertama kali Perkara paling indah dalam kehidupan datang dalam bentuk yang tak dijangka – serupa dengankelahiran seorang bayi. Jadi, kenapa tunggu sehingga bayi anda telah lahir untuk memberikannya yang terbaik.
Kini PruBSN SmartLink meluaskan perlindungan supaya anda boleh mula melindungisi manja dari dalam rahim lagi. Pelan bijak ini memberikan anda ketenangan jiwa dengan memastikan anda dan bayi anda sentiasa dilindungi - dari mula lagi.
1. Apakah perlindungan tambahan yang diberikan dalam PruBSN SmartLink?
PruBSN SmartLink melindungi anak anda seawal 20 minggu kehamilan. Semasa tempoh ini kami memberikan anak anda perlindungan yang diperlukan sehingga dia dilahirkan. Dapatkan Extra Basic dan kami akan memberi perlindungan semasa anda hamil serta manfaat-manfaat selepas lahir untuk bayi anda.
2. Siapakah yang layak untuk mengambil pelan PruBSN SmartLink?
Anda boleh memiliki PruBSN SmartLink dari ketika anda hamil 20 minggu dan jika anda berumur di antara 19 dan 45 tahun.
3. Saya tidak hamil sekarang, apakah pelan yang boleh saya ambil kemudian jika saya bersedia untuk berkeluarga?
Apabila anda sudah bersedia untuk berkeluarga, anda boleh mengambil rider Baby Care.Rider ini melindungi bayi anda dan anda semasa hamil dan selepas lahir – dan kami berikan perlindungan yang sama untuk setiap kelahiran. Kami juga menyediakan Bonus Imunisasi sebanyak RM200; selepas 2 tahun anak anda
dilahirkan.
4. Siapakah yang layak untuk mengambil rider Baby Care?
Jika anda berumur di antara 19 dan 40 tahun, anda boleh mengambil rider ini bersama pelan PruBSN FirstLink atau PruBSN TakafulLink anda. Pelan ini melindungi anda sekiranya anda hamil sebelum anda berumur 46 tahun.
5. Apakah manfaat-manfaat yang diberikan pelan-pelan ini?
Hamil > 20 minggu Selepas Lahir
MANFAAT
KHAIRAT KEMATIAN
KEHILANGAN
NYAWA
(BAYI)
ICU/HDU
SERTA-MERTA
SELEPAS
LAHIR
UNTUK
KELAHIRAN
PRA-MATANG
INKUBASI
UNTUK
BAYI
BARU
LAHIR
BONUS
IMUNISASI
JANIN IBU
PruBSN
This plan is Medical Card + Investment Linked. Can you give me your email address so that I could send you a FREE Quotation for your to have a Look. If you have decided to Apply whatsapp me at 017-3507248 and I will come and meet you and explain in detail. TQ
I
Deletet’s a joy to see our child the first time he walks, talks and rides a
bike. From his first day at school, to his final exams that set him
on his way to adult life, we never stop worrying about our child.
No matter how much he has grown, we always want to know that he
is financially cared for, so he will have the best chance for a happy,
healthy and prosperous life.
That’s why Prudential BSN Takaful Berhad (PruBSN) has developed
PruBSN SmartLink, a takaful plan that provides life and financial
protection for parents and rewards for your child’s education. With
PruBSN, one thing is sure. As your child reaches each important
milestone, we’ll be there to support and reward him towards a brighter
and better future.
Let your child shine
Besides building a secure Education Fund, PruBSN SmartLink’s unique
EduSmart Bonus awards your child when he excels in his studies.
Depending on your child’s achievements, EduSmart Bonus will pay
you a percentage based on your yearly protection contribution, each
time he excels in his major exams, up to and including degree level. In
addition, if you pay your contribution on time each month, we’ll reward
you with Loyalty Bonus starting from the 10th certificate year and every
three years thereafter. From as little as RM50 per month, this affordable
plan is available for your child as early as 14 days old.
Coverage that understands your needs
Because things don’t always run smoothly, PruBSN SmartLink also
supports you and your child when things get tough. You can even
choose optional benefits that provide extra protection for your child’s
medical, financial and life coverage needs.
Grow your child’s education fund further by taking Takaful Saver
that allows you to invest in our managed fund, Takafulink Dana Urus.
Attach any of our Takaful Saver Contributor riders to ensure that your
child’s education fund continues to grow in the event of critical illness,
disability or loss of life. Choose Parent Term rider and we’ll even
provide a lump sum top-up to your child’s education fund in the event
you become disabled or pass away.
For further financial assistance during difficult times, why not
opt for Parent Income Benefit that provides your child with a monthly
allowance in the event you are diagnosed with critical illness, disability
or pass away. You can also double the allowance amount with Parent
Double Income Benefit in the event both you and your spouse are
diagnosed with critical illness, disability or pass away.
For your child’s medical protection, get Takaful Health2 for
complete hospitalisation and surgical coverage that comes with a hassle
free medical card.
Comfort for your child’s future indeed.
Thank you for sharing such great information. It is informative, can you help me in finding out more detail on Child Investment Plans, i am interested and would like to know more about this field and wanted to understand the basics of Child Plans
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