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PruBSN Cegah

Exclusively for EPF members

Get financial protection against critical illnesses from as low as RM8.40/year*, so you can fully focus on your recovery if an illness strikes. Through i-Lindung, use your EPF funds to secure this Shariah-compliant takaful plan which covers up to 43 types of critical illnesses, as well as dengue fever. Sign up via your EPF i-Akaun without the need for a medical check-up!

*For males (non-smoker) between 19 and 25 years old (next birthday), with a sum covered of RM 10,000.

Reasons to consider PruBSN Cegah

Healthcare is becoming increasingly expensive. This is why unexpected events such as critical illnesses can leave you and your loved ones financially and emotionally stressed if you're not prepared.

The EPF’s i-Lindung initiative has made safeguarding against financial uncertainties more accessible, as it allows members to utilise their savings to subscribe Shariah-compliant critical illness takaful plans such as PruBSN Cegah at affordable rates.

This is an opportunity for you to acquire the income protection you and your family needs and deserves, without straining your wallet.

Product details

Coverage and Contribution Term

Eligibility Age
19 to 60 (age next birthday)

Contribution Term
One-time payment

Coverage Term
One year

Sum Covered

  • Critical Illness Benefit
    RM10,000 to RM200,000 (in multiple of RM5,000)
  • Dengue Fever Benefit
    RM500 (payable once per Covered Member)

Critical Illness Benefit
Should the Covered Member be diagnosed with one of the covered critical illnesses, 100% of the sum covered will be payable from the Tabarru` Fund.


  • Please refer to the Product Disclosure Sheet for the full list of covered Critical Illness of the plan.
  • 10% of the sum covered subject to a maximum of RM25,000 is payable on Angioplasty and Other Invasive Treatments For Coronary Artery Disease.


Dengue Fever Benefit
In the event of the Covered Member’s diagnosis of Dengue Fever, RM500 will be payable from the Tabarru` Fund.

Note: Diagnosis needs to be done by a qualified doctor, accompanied by a confirmatory test result. Diagnosis of Dengue Benefit is payable once per Covered Member.


How to Submit Claims?

How do I submit claims?
For a claim on Critical Illness or Dengue Fever Benefit:
You may register a claim in the `Register Claim’ in the Pulse by Prudential mobile application along with the supporting documents.


What are the documents needed for claim?
For a claim on Critical Illness Benefit:
For submission via Pulse by Prudential mobile application, claimant is required to submit the following:

  1. Front and back of NRIC image

  2. Selfie image holding IC/NRIC verification

  3. Copy of Confidential Medical Certificate (Doctor’s Statement for specific critical illness) - completed and signed by doctor who treated the Covered Member

  4. Laboratory Report: Histopathology Examination Report, Biopsy, MRI, scan and investigation results (where applicable)


For a claim on Dengue Fever Benefit:
For submission via Pulse by Prudential mobile application, claimant is required to submit the following:

  1. Front and back of NRIC image

  2. Selfie image holding IC/NRIC verification

  3. Dengue Fever Benefit Claim – Doctor’s Statement (downloadable from `My Claim’ in the Pulse by Prudential mobile application)

  4. Laboratory Report/Confirmatory Test Result

PruBSN may request for other relevant supporting documents, information or to view the original documents whenever necessary.


How long will it take to process a claim?
Upon receiving the complete documents, the claim payment will be processed within 13 working days.

How to Make a Nomination?

Why is it important to make a nomination?

  • Nomination is important to ensure that your loved ones will receive the protection as intended by you and that certificate benefits can be paid out by PruBSN without any delay. The nominee can be either an executor (wasi) or a beneficiary under a conditional Hibah (Gift). Without a nomination, the certificate benefits will be paid out to your lawful executor or administrator to distribute it in accordance to the applicable laws of distribution. The process may take a while.
  • It is important for you to inform your nominee about the certificate benefits and nomination.


Who can I nominate for my certificate?

  • The nominee has to be an individual. Nomination of an organization is not allowed.
  • If your nominee is below the age of 18 at the point of claim, the benefits will be paid to the surviving parent or a proper claimant i.e. legal guardian, subject to the relevant legal evidence/supporting documents.


How to make a nomination?

  • You can decide who you wish to be the nominee(s) to receive the benefits by completing the nomination form with a witness and submit it via the following channels or any other channel PruBSN may make available to you from time to time:

a. walk-in to any of the Prudential or PruBSN Branches; or
b. e-mail to

  • The nomination form will be made available to you:

a. at Prudential or PruBSN Branches; or
b. on PruBSN corporate website at

How to Cancel the Certificate?
  • You may choose to cancel your certificate under ‘PRUServices’ in Pulse by Prudential mobile application at any time that you wish. If you cancel your certificate within the first 15 days after participating in this plan, PruBSN will refund the contribution paid.
  • However, if you choose to cancel your certificate at any point after the 15 days, PruBSN will refund the unutilised Tabarru` deduction, if any. Please refer to our FAQ for more details.
  • Please note that you will not be able to revive the certificate after you have cancelled it. This means you are no longer covered under the plan. If you decide to participate again, you will need to submit a new application for enrollment. Please carefully consider if cancelling the coverage is the best decision for you.
How to Download Pulse by Prudential?

Scan the QR Code or click on the links below to download Pulse by Prudential mobile application. Please ensure that your email address registered for EPF i-Lindung is the same email used for your Pulse by Prudential app account.  You can view and download your e-Certificate at the ‘PRUServices’ section on the Pulse by Prudential app.




Tax Exemption

100% of the contribution paid for this plan may qualify you for personal income tax relief under Medical Insurance/Family Takaful category, subject to the terms and conditions of the Inland Revenue Board of Malaysia

Important Notes
  • The above is only a brief description of our product. For more information on PruBSN Cegah, kindly refer to the Product Disclosure Sheet before participating in this plan and refer to the terms and conditions in the Certifi­cate Summary for details on the important features as well as exclusions that apply to the plan.

How to sign up

Step 1:
Log in to KWSP i-Akaun Portal
Click on “Sign Up Now” button below, and log in to your EPF i-Akaun Portal.

Note: Register yourself for an i-Akaun if you do not have one. Refer to the registration guide here.

Step 2:
Select ‘i-Lindung’
Click on ‘i-Lindung’ section on top of the screen and fill in your details.
Step 3:
Sign up for PruBSN Cegah or PruBSN Lindung
Choose your preferred protection plan and provide the necessary information.
Step 4:
Make contribution payment
Proceed with contribution payment which will be deducted from your EPF Account. It’s that easy!