PRUDENTIAL MALAYSIA

PRUDENTIAL

HEALTH ENRICH

PRUHEALTH

WHAT IS PRUHEALTH

PRUhealth is a regular premium medical rider plan that reimburses medical expenses incurred in the event of hospitalisation. Not only does this plan reward policyholders with No Claims Bonus (NCB) for those who do not make any claims for the year, you now have the option to choose the level of deductible (the fixed amount you must pay out of the total medical fees, excluding cost of daily room & board, for any one disability during a 90-day period) of RM3,000 or RM10,000 other than the default coinsurance option.

HOW CAN I TAKE UP PRU health ?

You can take up PRUhealth when you purchase PRUlink one or PRUmy child policies. HOW WILL THE NO CLAIMS BONUS (NCB) BENEFIT ME? If you do not make any claims for the year, Prudential will reward you with No Claims Bonus (NCB) by purchasing additional units for your investment in the following year. The amount of bonus paid depends on the plan that you have chosen.Once you make a claim,you will not receive any bonus in the following year. However, you will receive the bonus for subsequent years as long as no claims are made. An example of the bonus mechanism, for a 30-year old male policyholder with a PRUhealth 200 plan, expiring at age 70 and pays an annual premium of RM1,032: overseas ?

If you receive medical treatment overseas under your PRUhealth plan, the benefits are paid according to the costs of treatment that would be reasonably charged by a hospital in Malaysia. No benefit is paid if you reside overseas for more than 90 days per trip. However, the 90 days restriction on overseas residence will not be applicable to PRUmedic overseas when attached to yourPRUhealth plan. Reimbursement of medical expenses shall also be based on the reasonable and customary charges of the country of treatment. This plan is for people aged between 1 – 70 years old next birthday who want a plan that takes care of their medical expenses AND rewards them for staying healthy. With additional premium and underwriting, you can now enhance the coverage of your

PRUhealth plan with:

a) PRUannual limit waiver – the rider plan that allows you to make claims higher than your annual limit by waiving the annual limit of your PRUhealth plan. This will ensure that you are safeguarded against any unexpected large medical claims within a policy year. PRUannual limit waiver can only be attached toPRUhealth 200, 300 and 400 plans (subject to additional premium). When PRUannual limit waiver is attached, claim amounts exceeding the annual limit will be subjected to a coinsurance amount of 10% on total claims (excluding cost of daily room & board).

b) PRUmedic overseas - have the option to seek overseas medical treatment or advice in China, Hong Kong or Singapore for the following covered conditions:

• Surgery related to cancer

• Neurosurgery

Coronary artery bypass surgery

• Heart valve surgery

• Organ transplant (kidney, lung, liver, heart, pancreas 

 and bone marrow transplant)

In the event of a covered condition, if you choose to be hospitalised and undergo surgery in Malaysia instead of overseas due to reasons such as family or immobility, a Well-Being Benefit will be payable per admission for every surgery. Policyholders who claim Well-Being Benefit are no longer eligible to reimburse claims for Hospital & Surgical Benefits and Out-patient Treatment Benefits for that particular covered condition. Instead, you may claim Well-Being Benefit for multiple admissions for surgery on covered conditions in Malaysia, and claim for local medical treatment under PRUhealth based on reasonable and customary charges.

EMPLOYEE BENEFIT - PRU@WORK

EMPLOYEE PRU@WORK

Memperkenalkan PRU@work, satu pelan insurans yang dicipta khas untuk menyediakan jaminan kewangan dan manfaat penjagaan kesihatan istimewa untuk pekerja anda. Langkah permulaan ini memainkan peranan penting untuk membantu anda menarik dan mengekalkan pekerja berkualiti yang mampu memperkembangkan perniagaan anda. Lindungi perniagaan anda dengan memastikan pekerja anda dilindungi.

Manfaat Asas

menyediakan bantuan kewangan kepada pekerja anda jika berlaku kematian atau Hilang Upaya Penuh dan Kekal (TPD) sebelum berumur 70 tahun. Manfaat ini memastikan ahli keluarga tersayang mereka mampu meneruskan kehidupan dengan sebaiknya seandainya perkara yang tidak diingini menimpa mereka

Perlindungan Tambahan

Manfaat Opsyenal ini membolehkan kakitangan yang didiagnos dengan mana-mana 36 Penyakit Kritikal menerima manfaat sekaligus untuk membantu meringankan beban kewangan mereka. Manfaat sekaligus ini akan mengurangkan Manfaat Asas.

2. Manfaat Hilang Upaya Separa Kekal Kumpulan (GPPD)

Manfaat Opsyenal

ini menyediakan bayaran sekaligus sejajar dengan peratusan Jadual Indemniti1 sekiranya pekerja anda

mengalami kecederaan badan akibat sebarang sebab

3. Manfaat Kematian & Hilang Upaya Akibat Kemalangan Kumpulan (GADD)

Manfaat Kematian & Hilang Upaya Akibat Kemalangan Kumpulan (GADD)

Kemalangan boleh berlaku pada bila-bila masa dan di mana-mana sahaja. Manfaat Opsyenal ini menyediakan amaun sekaligus sejajar dengan Jadual Indemniti1 jika pekerja anda meninggal dunia atau mengalami kecederaan badan (sebagai contoh kehilangan jari, anggota badan, penglihatan dsb) akibat satu Kemalangan

Manfaat Pembayaran Ganti Perubatan akibat Kemalangan Kumpulan2 (GAMR)

Jika pekerja anda mengalami kecederaan badan akibat Kemalangan, Manfaat Opsyenal ini membayar balik semua perbelanjaan perubatan yang ditanggung untuk rawatan, caj hospital dan yuran kejururawatan sehingga amaun manfaat untuk pelan yang dipilih bagi setiap Kemalangan.

Manfaat Pampasan Mingguan Kumpulan2 (GWI)

Jika pekerja anda mengalami kecederaan badan akibat Kemalangan yang menyebabkan Hilang Upaya Penuh Sementara, Manfaat Opsyenal ini membayar manfaat mingguan semasa tempoh hilang upaya untuk membantu menampung perbelanjaan kehidupan harian mereka.

Manfaat Hospital & Pembedahan Kumpulan (GHS)

Manfaat Opsyenal ini memberi 6 pelan perlindungan penjagaan kesihatan komprehensif untuk menjaga pekerja anda. Ia juga membenarkan anda melanjutkan perlindungan GHS untuk pasangan atau anak-anak pekerja anda. Semua manfaat di atas adalah sah di seluruh dunia.

Apakah PRU@work?

PRU@work adalah pelan hayat bertempoh kumpulan bukan penyertaan dengan tempoh pembaharuan tahunan. Polisi ini membayar manfaat kematian sekaligus jika Ahli Yang Diinsuranskan meninggal dunia atau mengalami Hilang Upaya Penuh dan Kekal sebelum berumur 70 tahun semasa tahun polisi. Anda boleh memilih salah satu pelan di bawah (Pelan 1 – 6) untuk setiap kategori pekerjaan. Semua pekerja anda di dalam kategori pekerjaan yang sama mesti menyertai pelan yang sama.

Manfaat Hospital & Pembedahan Kumpulan (GHS)

Manfaat Opsyenal ini memberi 6 pelan perlindungan penjagaan kesihatan komprehensif untuk menjaga pekerja anda. Ia juga membenarkan anda melanjutkan perlindungan GHS untuk pasangan atau anak-anak pekerja anda. Semua manfaat di atas adalah sah di seluruh dunia.

PRU VALUE MED (AUTO RENEWABLE)

PRU VALUE MED (AUTO RENEWABLE)

Kami semua tahu penjagaan perubatan amat diperlukan dan keperluan untuk penjagaan kesihatan menjadi semakin penting terutamanya apabila kami berusia. Dengan kos perubatan semakin meningkat, adakah anda pernah tertanya-tanya sama ada simpanan anda cukup untuk melindungi anda daripada sebarang ketidakpastian dan penjagaan perubatan? Alangkah baik jikalau adanya pelan perubatan yang bukan saja menjaminkan insurans sepanjang hayat dan melindungi semua keperluan perubatan anda, malah membantu anda menabung juga dengan lebih manfaat? Memperkenalkan PRUvalue med, satu pelan perubatan yang menggabungkan nilai luar biasa dan kemampuan. Dengan PRUvalue med, anda tidak perlu lagi memilih antara kesihatan dan kewangan kerana kami mengambil berat terhadap keperluan perubatan anda. PRUvalue med menawarkan :

Apa itu PRUvalue med?

PRUvalue med ialah rider perubatan premium tetap berkaitan pelaburan yang membayar balik perbelanjaan perubatan yang wujud pada masa kemasukkan hospital dan rawatan pesakit luar.

Mengenai PRUvalue medNARIO MED VALUE INDUAL MASA

Apa itu Med Value Point (MVP)?

Tuntutan bagi manfaat berkelayakkan akan dibayar sepenuhnya (terhad kepada Med Saver, jika bersesuaian) sehingga Med Value Point yang dipilih. Jika jumlah tuntutan

melebihi Med Value Point yang dipilih, Kami akan membayar 80% daripada jumlah kos manfaat berkelayakkan. Manfaat Rawatan Kanser Pesakit Luar dan Dialisis Buah Pinggang Pesakit Luar akan terhad kepada 1.5 kali Med Value Point yang dipilih. Tuntutan ke atas Rawatan Kanser Pesakit Luar dan Dialisis Buah Pinggang Pesakit Luar akan diambil kira dalam Med Value Point.

MED SAVER

Apa itu Med Saver?

Med Saver membenarkan anda menikmati jimatan premium di mana premium yang dijimat boleh digunakan untuk meningkatkan perlindungan dan dana persaraan anda. Jika Med Saver dipilih, anda perlu membayar jumlah yang tetap sebanyak RM300 daripada manfaat berkelayakkan sebelum Kami membayar sebarang perbelanjaan untuk sebarang kecacatan (Kecuali kos Bilik dan Penginapan harian dan Kanta Intraokular) Bagaimana Med Saver berfungsi?

Scenario MED SAVER

James ialah pelanggan lelaki berumur 35 tahun yang bekerja sebagai Pengurus Akauntan (Kelas 1).Beliau membeli pelan PRUvalue med pada 1 April 2015 dengan premium tahunan RM5,250 melabur dalam PRUlink equity fund dan membuat pilihan berikut:

Bagaimana saya bermula dengan PRUvalue med?

Get MORE with PRUvalue med.Wouldn’t it be great if there is a medical plan that not only promises you a lifetime of assurance for all your medical needs, but also helps you save with more benefits?Introducing, PRUvalue med, a medical plan that combines extraordinary values and savings. With PRUvalue med, you will never have to choose between your health and finances as your healthcare needs are what matters most to us.

FULL PROTECTION WITH INVESTMENT MEDICAL CARD: PRUBSN PROTECT

RIDERS ( ADD ON ) CRISIS COVER PLUS

Crisis Cover Plus - Comprehensive critical illness coverage and more.Crisis Cover Plus is a level term assurance that provides protection upon death, total & permanent disability and upon diagnosis of any of the 36 critical illnesses.This plan also has the flexibility to allow you to add on optional benefits such as medical & health optional benefits to enhance your protection. 

Crisis Cover Plus 

is a level term assurance. This plan will pay out a lump sum benefit upon the event of death or total permanent disability or diagnosis of any of the 36 critical illnesses. You can choose to enhance your protection by add on optional benefits. 

“Optional Benefits” 

for further details.Crisis Cover Plus pays:

1.Death benefit

2.Total and permanent disability before 60 years old / age 60 next birthday

3.Critical illnesses upon diagnosis of one of the 36 critical illnesses.Anyone between the ages of 1-60 years on their next birthday can take up this plan.

PRU MULTIPLE CRISIS COVER

PRUmultiple crisis cover -A plan that allows you to bounce back after a critical illness...again and again. PRUmultiple crisis cover is a term plan that recognizes the need for enhanced protection and peace of mind. This plan not only covers you against death, Total and Permanent Disability (TPD), it also protects you against a wide range of critical illnesses and allows you to make MULTIPLE critical illness and cancer claims. But not only that, you may also add on supplementary benefits that will further enhance your PRUmultiple crisis cover plan, which means you can customise this plan with features that would best suit your need. Critical illnesses claims of up to THREE times You are allowed up to THREE critical illness claims from a comprehensive and wide ranging list of illnesses, allowing you a peace of mind knowing that you are covered again and

again. 

Coverage for TWO instances of Cancer

PRUmultiple crisis cover allows you to make up to TWO cancer claims, giving you added protection when you need it most.WAIVER of PREMIUMS upon diagnosis of critical illness From the first instance of critical illness diagnosis, PRUmultiple crisis cover will waive all future premiums, so that you can concentrate on getting your health back on track without any additional worry. COMPREHENSIVE coverage for death, disability and critical illnesses We truly understand when you need help the most by giving you protection for a wide range of critical illnesses in addition to death and Total and Permanent Disability (TPD) benefits.

HOW DOES THE PRODUCT WORK?

PRUmultiple crisis cover is a term plan that covers you against death, Total and Permanent Disability (TPD) and a wide range of critical illnesses. It is a unique plan that allows you to make multiple critical illness and cancer claims.

PRU MY CHILD

PRU MY CHILD

Your hope for your child begins even before birth. Let PRUmy child protect this hope of yours, from the very beginning. Even before he or she is born, hope is there - hope that he or she will always be happy, safe and healthy. This hope is precious and worth protecting from the start.At Prudential, we can help you secure your hopes and dreams for your child through a comprehensive protection plan withPRUmy child as early as 18 weeks into pregnancy. Aiming to give you peace of mind, the new Infant Care benefit under PRUmy child provides protection during the crucial prenatal, neonatal and post-natal periods. 

PRU my child benefits at a glance 

•Gives you control and flexibility to design a complete plan for your child. 

•Covers your baby as early as 18 weeks into pregnancy.

•Option to attach Infant Care* rider to enhance your baby's protection from 18 weeks of your pregnancy up to your child reaching 2 years old.

•Build your child's education fund with optional 

PRUedusaver and PRUsaver kid riders.

ENHANCE your child’s plan with a NEW & EXTENDED range of covers.Aiming to give you peace of mind when it comes to your child’s needs, the new Infant Care* benefit under this plan offers your child protection during the crucial pregnancy and infancy periods under the Pregnancy Care Benefit and Child Care Benefit.

* 

Optional benefit subject to underwriting and additional premiums for 2 years and purchased within 18 to 35 gestational weeks. Planting the seeds towards a SECURE EDUCATION FUND for your child Will you be prepared when your child is ready for higher education? With 

PRUsaver

kid or PRUedusaver, you can start building your child’s education fund and reap the potential of higher returns through our series of PRUlink or PRUlink education funds. You can opt to receive the payout for your child’s education when they are entering higher tertiary institution anytime between the age of 18 – 25 years next birthday. What is PRUmy child and who can buy this plan? PRUmy child is a regular premium investment-linked insurance plan. You can buy this plan for your unborn child at 18 weeks into your pregnancy, or for your child who is between 1 to 18 years of age on his/her next birthday.

PRUDENTIAL BSN | ASSURANCE

Sesiapa yang tengah mencari Coverage ○Protection+Investment Call ○ Whatsapp me at 012-3928458 
anytime for "FREE QUOTATION" to suits your Budget dan Keperluan . 

PRU SENIOR MED

PRU SENIOR MED

It's never too early to start thinking about health insurance for your later years.PRUsenior med is specially designed for senior citizens as it provides medical coverage to address your concerns on those infrequent but financially crippling, large medical bills. You can choose the plan that meets your personal needs. *Wereserve the right to revise the minimum co-insurance amount once every 12 months, by giving a 30-day written notice.

012-3928458

Note: 
Co-insurance is a cost-sharing arrangement under which the policyholder pays a specified
percentage of the cost of an eligible benefit, subject to a minimum amount if applicable. The
remaining balance is paid by the Company.

Death Benefit
PRUsenior med pays Death Benefit should death occur. If death is due to suicide within the first year, all premiums paid are returned without interest.

Medical Care Benefits
Cover begins immediately on acceptance, for hospitalisation caused by accidents, but only
begins 30 days after acceptance for any other cause.Each claims reduces the Lifetime Limit.
When the Lifetime Limit is exhausted, Death Benefit continues without payment of any further premiums.

WHAT IS PRUsenior med?
PRUsenior med is a regular premium level term medical plan. This policy offers insurance
protection up to age 80 years old next birthday. It reimburses medical bills in the event of
hospitalisation for surgeries and illnesses, subject to co-insurance of 10% or the affordable
minimum co-insurance amount, whichever is higher. PRUsenior med will ease your financial burden as it provides the following:

•Hospital and surgical coverage
•Affordable co-insurance amount
•Policy is guaranteed renewable - up to 80 years old next birthday
•Compassionate benefit RM5,000
•Affordable level premiums
•High entry age - up to age 70 years old next birthday
•Outpatient kidney dialysis and cancer treatment

HOW CAN I TAKE UP PRUsenior med?
You can take up PRUsenior med by paying the premiums if you are between the ages of 45 to 70 years of age on your next birthday.

HOW MUCH PREMIUM DO I NEED TO PAY?
The level of premium that you pay depends on your age, gender, the plan chosen and
underwriting. You must inform us of any change in occupation, avocation or sports activities
because it may affect the premiums, terms, conditions and benefits.

HOW DOES PRUsenior med PAY FOR OVERSEAS?
If you receive medical treatment overseas, the Medical Care Benefit is paid according to the
costs of treatment that would be reasonably charged by a hospital in Malaysia. No benefit is paid if you reside overseas for more than 90 days per trip. This plan is available to anyone between 45 and 70 years

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