PruBSN Anggun

Death Benefit

Basic Sum Covered plus the cash value of the certificate.

Total and Permanent Disability (TPD) Benefit

Basic Sum Covered plus the cash value of the certificate.

TPD coverage is up to certificate expiry date or the certificate anniversary date of the Covered Person's age 70 next birthday, whichever is earlier.

Female Illness Benefit

Female Cancer or Systemic Lupus Erythematosus (SLE) WIth Severe Kidney Complications
Upon diagnosis, 100% of the Basic Sum Covered and total cash value shall be payable in one lump sum, allowing you to focus on your recovery.

Female Carcinoma-In-Situ (CIS)
Upon diagnosis, 50% of the Basic Sum Covered will be paid to you in one lump sum.

Even though the Basic Sum Covered will be reduced upon diagnosed of Female CIS, the reduced Basic Sum Covered will be bounced back to 100% of the original Basic Sum Covered after 6 months from the Female CIS diagnosis date provided that there is no major events happened within that period.

Female Care Benefit

30% of Basic Sum Covered is payable upon diagnosis of any one of the following conditions, illness, injury or event to the covered person:

i) Surgical Repair of Severe Uterine Prolapse;
ii) Rheumatoid Arthritis With Complication;
iii) Osteoporotic Fracture of The Hip / Vertebra;
iv) Facial Reconstructive Surgery due to Accident or Cancer;
v) Skin Grafting due to Burns or Skin Cancer;
vi) Breast Lumpectomy or Breast Mastectomy due to Female Carcinoma-In-Situ, Cancer or Accident;
vii) Breast Reconstructive Surgery Following A Mastectomy due to Female Carcinoma-In-Situ, Cancer or Accident;
viii) Surgical Removal of Female Reproductive Organ due to Female Carcinoma-In-Situ, Cancer or Accident

Maximum two claims are allowed for Female Care Benefit, subject to one claim per covered condition.

Mental Care Benefit

Reimbursement of outpatient psychotherapy visit  fees up to 10% of the Basic Sum Covered or maximum of RM5,000, when diagnosed with any one of the covered Mental Disorder conditions.

i) Major Depressive Disorder;
ii) Post-partum Depression;
iii) Generalised Anxiety Disorder;
iv) Obsessive Compulsive Disorder;
v) Bipolar Disorder; or
vi) Schizophrenia

Claimable for one condition.

Life Stage Benefit

The Life Stage Benefit is payable for the covered events as below:

i) Marriage
ii) Buy a Property
iii) Hajj Pilgrimage or Umrah
iv) Postgraduate Education (Master or PhD)
v) Childbirth or Legal Adoption
vi) Death of Spouse
vii) Retirement

For Item i) to v), 3% of Basic Sum Covered each covered event;

For Item vi) to vii), up to 9% of Basic Sum Covered*

*Less any previous claims on Life Stage Benefits under Items i) to v).

The total amount claimable under Life Stage Benefit is up to maximum of 9% of Basic Sum Covered.

Maturity Value

Upon maturity, you will receive total cash value of your certificate.

Attachable Rider

Mom Care

Cancer Protector

Takaful Saver

Ihsan