Triumph over any pandemic with enhanced protection in our medical plans

As the world continues to recover from turbulent times, survival is no longer enough - we want you to thrive through any pandemic(s) down the road.

To help future-proof you and your loved ones’ safety, Total Pandemic Protection acts to strengthen your medical coverage, so you’ll be better equipped to face the world, and live with confidence. Enjoy an easy and seamless claims process, and essential coverage when you need it the most.

Starting 22 January 2022, you will automatically be covered with Total Pandemic Protection when you sign up for any of our medical plans.
For existing customers of our medical plan(s)*, you can opt-in to revise the exclusion clause in your current medical plan(s) to enjoy Total Pandemic Protection via our Pandemic Coverage Opt-In Campaign (scroll down for more info).

*Medical plan(s) eligible under this Campaign refers to any of the following plans: HealthProtector, Medic Protector, Medic Booster, Takaful Health, Takaful Health2, Annual Limit Waiver, TH Annual Limit Waiver, TH Auto Upgrade, TH Retirement, TH Overseas, HealthEnrich, HealthEnrich+ and Medic Essential.

Navigate any pandemic with our range of comprehensive plans.

Pandemic Coverage Opt-In Campaign
For PruBSN
Existing Customers

Good news! PruBSN customers who are currently covered by one of our medical plan(s)* can opt to revise the exclusion clause on “any communicable diseases requiring quarantine by law” in your certificate and start enjoying Total Pandemic Protection at no additional cost^# via our Pandemic Coverage Opt-In Campaign (“Campaign”).

Opt-in for Total Pandemic Protection during the Campaign period from 16 February 2022 to 30 November 2022, and enjoy:

Medical coverage when you need it the most during the current or any future pandemics.
Pandemic Protection as a permanent feature of your medical plan and not part of the certificate exclusion. No underwriting is required.
Seamless claims experience as Pre-authorisation Letter (PAL) for all panel hospitals with cashless facility will be granted.
No change to your current contribution or Tabarru` deduction^#.

^#Note: As we regularly review our medical plans, future contribution and/or Tabarru` deduction review will take into account the pandemic protection.

How to opt-in?

Customers with eligible medical plans will be notified via SMS or by mail from 16 February 2022 onwards.
If you receive an SMS:

Step 1:

Click on the link in the text message.

Step 2:

Enter the last 4 digits of your mobile number, followed by the last 4 digits of your NRIC.

Step 3:

Once on the Microsite, click on Step 1 to first view your e-notification pack.

Step 4:

Click on Step 2 and proceed to opt-in to include Pandemic Protection in your certificate based on the reply slip.

Alternative ways to submit your reply slip:

Physically submit at any PruBSN branch
Via PRUServe Plus (DropBox)
Submit the reply slip via e-mail at customer@prubsn.com.my.

Speak with your PruBSN Takaful Agent or Bank Representative if you need any assistance.

Learn more

Important notes

To opt-in, customers must reply within the campaign period from 16 February to 30 November 2022.

FAQ

What is “communicable diseases requiring quarantine by law”?
Communicable diseases requiring quarantine by law refers to infectious diseases or transmissible diseases that are declared as required quarantine under the Prevention and Control of Infectious Diseases Act 1988, such as COVID-19 mentioned under the Prevention and Control of Infectious Diseases (Amendment of First Schedule) Order 2020.

What is the impact to my contributions and Tabarru` deduction if I accept the revision to remove the “communicable diseases requiring quarantine by law” exclusion clause?
There is no immediate change to your current contributions rate and Tabarru` deductions amount when you accept the revision to the exclusion.

However, as we continue to regularly review the contributions and Tabarru` deductions against the healthcare cost to ensure that you are always adequately protected, the future contributions and Tabarru` deductions review will take the Additional Coverage (i.e. coverage for “any communicable disease requiring quarantine by law”) into account. This is to ensure fair treatment to all certificate holders of the medical plan. We will notify you based on the notice period below prior to future revision of Tabarru` deductions and contributions, if any, under these medical plan(s).

Medical Plans (including optional riders under the Medical Plans)	Notice Period
Takaful Health	90 days
Annual Limit Waiver	90 days
Takaful Health 2	90 days
TH Annual Limit Waiver	90 days
TH Overseas	90 days
TH Auto Upgrade	90 days
TH Retirement	90 days
Medic Essential	90 days
HealthEnrich	30 days
HealthEnrich+	30 days
Medic Protector	30 days
Medic Booster	30 days
HealthProtector	30 days

Notes: For avoidance of doubt, this review is the re-pricing review that is commonly being carried out on regular basis for all medical plans consistent with the terms of the contract and the nature of the coverage.

What is the difference between contributions and Tabarru` deductions?
Contributions are the amount that you pay for basic and additional benefits (if any) under your certificate. For an investment-linked takaful certificate, the contributions you paid are used to purchase units in the investment‑linked fund(s) while the remaining is used to pay upfront Wakalah deductions for your Takaful Consultant’s commission and other distribution‑related expenses.

Tabarru` deductions is an arrangement where a portion of your allocated contribution in the investment‑linked fund(s) are deducted and pooled into the Tabarru` fund for the purpose of mutual aid and assistance according to the agreed benefits under the plan. Generally, the Tabarru` deduction amount will increase as you grow older.
What happens if I do not respond before the end date mentioned in the letter? Will I be able to accept the revision in the future?
This revision to the exclusion clause in your medical plan(s) is a limited period offer to you. If you do not respond to us before the end date, the terms to your medical plan will remain unchanged and continue to exclude the coverage for “communicable diseases requiring quarantine by law”. Any submission after the end date will not be accepted.
Can I retract my decision to remove the said exclusion at a later time after I have responded with the agreement for its removal?
No, once the revision in exclusion is accepted by you, the exclusion will be permanently removed from your medical plan(s). It is important that an informed and confirmed decision is made within the allocated time as it is not practically possible for us to cater for any subsequent change once the option is exercised.
What are the medical plans that are available for the revision to the exclusion clause?
This revision to the exclusion clause is offered to existing certificate holders with medical plans as below:
- HealthProtector
- Medic Protector
- Medic Booster
- Takaful Health
- Annual Limit Waiver
- Takaful Health2
- TH Annual Limit Waiver
- TH Overseas
- TH Auto Upgrade
- TH Retirement
- HealthEnrich
- HealthEnrich+
- Medic Essential

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Live with Confidence with Total Pandemic Protection