PruBSN WarisanPlus

5, 10, 20 years or throughout the certificate term

PruBSN Setia

Up to age 100.

PruBSN Impian

Up to age 100.

PruBSN WarisanPlus

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.

PruBSN Setia
PruBSN Impian
PruBSN WarisanPlus

1 to 70 age next birthday.

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

PruBSN Setia

19 to 70 years old.

PruBSN Impian

14 gestational weeks of pregnancy to age 18.

PruBSN WarisanPlus

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

PruBSN Setia

Up to age 100.

PruBSN Impian

Age 100.

PruBSN WarisanPlus

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

PruBSN Setia
PruBSN Impian
PruBSN WarisanPlus

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).

PruBSN Setia

In the event of death before expiry of the term, the following will be payable:
• Basic Sum Covered; and
• Value of units in Protection Unit Account (PUA) and Investment Unit Account (IUA).

PruBSN Impian

In the event of death of the person covered before expiry of the term, the following will be payable:
• Basic Sum Covered; and
• Value of units in Protection Unit Account (PUA) and Investment Unit Account (IUA).


In case of unborn baby and up to 30 days from the birth of your child, the following will be payable:
• Annualised Protection Contribution; and
• Value of units in Protection Unit Account (PUA) and Investment Unit Account (IUA).

PruBSN WarisanPlus

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.

PruBSN Setia

The sum covered is payable in the event of TPD before the certificate anniversary date of the covered person’s 70 years old.

PruBSN Impian

The sum covered is payable in the event of TPD before the certificate anniversary date of the covered person’s 70 years old.
In the event your child suffers from TPD at any time within the first 30 days from birth, the following will be payable:
• Annualised Protection Contribution; and
• Value of units in Protection Unit Account (PUA) and Investment Unit Account (IUA).

And the certificate will terminate.

PruBSN WarisanPlus
PruBSN Setia

Receive a lump sum amount upon the diagnosis of any covered 43 Critical Illness:
i. Crisis Protector
ii. Crisis Shield

PruBSN Impian

Receive a lump sum amount upon the diagnosis of any covered 43 Critical Illness:
i. Crisis Protector
ii. Crisis Shield

PruBSN WarisanPlus

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

PruBSN Setia

Up to RM6,000 under Life Insurance and EPF, subject to terms & conditions of Inland Revenue Board (IRB).

PruBSN Impian

Up to RM6,000 under Life Insurance and EPF, subject to terms & conditions of Inland Revenue Board (IRB).

PruBSN WarisanPlus

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
• MERS-CoV
• SARS
• 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
procedures.

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 addtional 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.

PruBSN Setia

Flexible
PruBSN Setia is based on expiry age 100 with options to choose certificate sustainability, coverage and for contribution amount

High Protection
Medical Plan with No Annual Limit and No Lifetime Limit, instead will have Smart Value Point.

Reliable
No lapse provision for the first 6 years

PruBSN Impian

Support
Support your child's dreams when he/she turns 19 years old with the money you put aside for the investments.

Start Early
Protect your child as early as 14 gestational weeks and protect your self when pregnancy complication occur.

Comprehensive
Comprehensive and affordable protection plan that gives you peace of mind in times your child's needs.

Control
Flexibility to decide on the coverage, certificate sustainability and contribution.

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