PruBSN WarisanPlus

A Takaful plan that provides security and assurance of your legacy for your loved ones.


High Basic Sum Covered

High Basic Sum Covered

Unique diseases coverage

Unique Diseases Coverage

Additional Death Benefit

Additional Death Benefit

Hibah Takaful


Product Details

Contribution Term

5, 10, 20 years or throughout the certificate term

Minimum Monthly Contribution

Minimum monthly contribution of RM100 for adult and RM50 for child. The contribution is based on your selection of sum covered, contribution term and contribution frequency. Contribution rate varies according to age, gender, smoking status, occupational class, health condition, contribution term and expiry age.

Eligibility Age

1 to 70 age next birthday.

Note: For expiry age 70, maximum entry age is 60 age next birthday.

Coverage Expiry

20 years or expiry age of 70, 80, 90 or 100.

Minimum Sum Covered


Maturity Benefit

The value of all units in Protection Unit Account (PUA) and Investment Unit Account (IUA), if any.

Death Benefit

The higher of:
• The current Basic Sum Covered; or
• Value of units in the Protection Unit Account (PUA)

plus any remaining of units in the Investment Unit Account (IUA).

TPD Benefit

TPD Sum Covered.

Note: In the event of TPD before expiry of the term or before the age of 70, whichever
is earlier. Subject to a maximum of RM8,000,000 per life.

Tax Exemption

For PruBSN WarisanPlus, you may claim relevant insurance tax relief subject to the terms and conditions of the Inland Revenue Board of Malaysia.


1. Greater protection value for a longer family survival
With the high coverage of minimum RM250,000 from PruBSN WarisanPlus, it will help your family maintain the current lifestyle as well as help you to settle any debts when you pass away or suffer from Total and Permanent Disability (TPD).

2. Customised protection with affordable contribution
There is no one-size-fits-all coverage plan. With PruBSN WarisanPlus, you can attach any riders according to your needs until it is truly yours to own.

3. Unique diseases coverage
Receive compensation when you are diagnosed or hospitalised due to infectious diseases according to the categories below:
CATEGORY A: RM5,000/diagnosis/disease
• Measles
• Chikungunya Fever
• Hand Foot Mouth Disease
• Typhoid Fever
• Rabies

CATEGORY B: RM10,000/hospitalisation/disease
• Zika Virus
• Ebola
• Malaria
• Creutzfeldt - Jakob Disease
• Influenza A - Avian Influenza AH7N9 & AH5N1
• Nipah Virus Encephalitis
• Japanese Encephalitis

4. Hibah
Secure your loved ones' future by naming them as beneficiaries. They will
receive the death benefits without going through the prolonged inheritance

5. Aid for funeral expenses
Ease your family burden when they receive RM3,000 from Khairat benefits.

6. Investment opportunity
You can choose from 7 types of Investment-linked Funds that fit your risk
appetite to increase your cash value with potential upside returns.

7. Hassle free sign-up
No need to undergo medical examination to enjoy basic sum covered up
to RM2 million.

8. Choice to extend coverage until age 100
You can extend coverage until age 100 via Certificate Term Extension option,
subject to additional contribution required.

9. Beyond the Spirit of Takaful
Allow you to help deserving hardcore poor and poor families to be protected
with basic family takaful coverage via Ihsan rider.

Rider Attachable

Hajj Protection
Level Term
Contributor Parent Protect
Contributor Parent Saver
Contributor Protect
Contributor Saver
Contributor Spouse Protect
Contributor Spouse Saver
Crisis Shield
Crisis Protector
Takaful Saver
Takaful Saver Kid


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 contribution payable under the certificate is an amount that you can afford.

Product Enquiry

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