When the going gets tough, we keep the protected going.


Cards_Highlight_BM_HealthEnrich _1 - In

4 ideal plans

Cards_Highlight_EN_HE _2

Additional annual limit


Coverage options


Medical assistance

Product Details

Contribution Term

Up to 25, 70 or 80 years old.

Minimum Monthly Contribution

From RM83.

Eligibility Age
HE+ Vital    20 gestational weeks to 70 years old.
HE+ Select    20 gestational weeks to 70 years old.
HE+ Advanced  1 year old to 70 years old.
HE+ Premier  1 year old to 70 years old.
Coverage Expiry

25, 70 or 80 years old.

Minimum Sum Covered

Not applicable.

Maturity Benefit

Not applicable.

Death Benefit

Not applicable.

TPD Benefit

Not applicable.

Critical Illness Benefit

Not applicable.

Tax Exemption

Up to RM3,000 under Medical, subject to terms & conditions of Inland Revenue Board (IRB).


Preferred Hospitals*
These are the selected hospitals that will provide value-added services to preferred customers who take up HE+ Advanced or HE+ Premier plans.

Benefits Table

Benefits & Plan TypesHE+ VitalHE+ SelectHE+ AdvancedHE+ Premier
If you are hospitalised

Room & Board
(Panel Hospitals)

RM200/day RM300/day RM400/day RM500/day

Room & Board
(Preferred Hospitals)

Not Applicable Not Applicable Not Applicable RM1,000/day

Max. stay at hospitals
(per annum)

120 days 150 days 150 days 200 days

Intensive Care Unit
(max 120 days per annum)

Full Coverage1 or SmartSave3002 option

Hospital Deposit at Preferred Hospitals

Not Applicable Not Applicable Waived Waived
If you need outpatient treatment
Day Surgery Full Coverage1
If you are coping with life-changing events
Cancer Treatment Full Coverage1
Kidney Dialysis Treatment Full Coverage1
Additional Annual Limit due to Cancer, Heart Attack or Kidney Failure RM100,000 RM150,000 RM200,000 RM400,000

Additional Lifetime Limit for Organ Transplant

Not Applicable Not Applicable RM100,000 RM200,000

Treatment Allowance for Chemotherapy, Radiotherapy, Kidney Dialysis, Heart Attack Follow Up Care


(max RM500/year)

(max RM5,000/lifetime)


(max RM1,000/year)

(max RM10,000/lifetime)


(max RM1,500/year)

(max RM15,000/lifetime)


(max RM2,000/year)

(max RM20,000/lifetime)

If you are in an emergency
Maternity Complications Not Applicable RM6,000/year RM10,000/year RM20,000/year
Overall Annual Limit RM100,000 RM150,000 RM200,000 RM400,000
Total Annual Limit due to Cancer, Heart Attack or Kidney Failure RM200,000




Lifetime Limit RM1,000,000 RM1,500,000 RM2,000,000 RM4,000,000


1 PruBSN shall reimburse Reasonable and Customary charges on eligible expenses which are deemed Medically        Necessary.

2 If SmartSaver300 is chosen, you must first pay a fixed amount of RM300 out of the total Reasonable and     Customary charges of eligible benefits for any one disability. Items that are not subjected to the RM300 Deductible     includes Hospital Daily Room and Board, Dedicated Daily Medical Attendant, Day Surgery, Second     Medical Opinion, Treatment Allowance, Cancer Treatment, Kidney Dialysis and Organ Transplant.

Note: Please refer to the brochure, plan illustration and product disclosure sheet for detailed information.

*Subject to terms and conditions.

Riders Attachable

Not applicable.

Important Note

This is a brief product description only. For exact details of terms and conditions, please refer to your certificate document.

You must ensure that you are satisfied that this product will best serve your needs and that the contributions payable under the certificate is an amount you can afford.

Contribution Calculator

A simple way to find out your annual contribution rate.

Choose Your Plan Details

Entry Age
Expiry Age
Coverage Option

Your Annual Contribution Rate

  • Your Annual Contribution Rate

Disclaimer: The results calculated from this calculator serve as a guidance only. For further details, please make an appointment with our Takaful Consultant.

More Information


Make an Appointment

Get more information and free consultation from our Takaful Consultant.

Contact us

Customer Service Centre

Our Customer Service Representatives are always ready to assist you, from 8.30am to 5.15pm, Monday to Friday.

Contact us
Back to Top