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PruBSN AnugerahPlus

PruBSN AnugerahPlus

This comprehensive Shariah-compliant takaful plan combines life and medical protection, with benefits for critical illnesses, medical and hospitalisation, accidents, and many more.

Reasons to consider PruBSN AnugerahPlus

From as low as RM50 a month, you and your loved ones can be on your way towards a more secure financial future with this flexible protection plan that includes coverage for death or total permanent disability, as well as optional benefits on critical illnesses such as cancer and comprehensive medical coverage with no lifetime limit and treatments for mental health.    

PruBSN AnugerahPlus can also function as a savings plan (via the Takaful Saver rider), with your contributions invested in Shariah-approved, investment-linked funds that you choose.

This all-inclusive and affordable solution makes it easy to ensure that your dependents, regardless of their blood ties, will have the income protection they need should anything happen to you.  

Protected from critical illness and hospitalisation.

You have the option to customise your plan to protect yourself from the likes of cancer and the hefty medical costs of different treatments.

 Medic TotalCare

Provides a wide range of hospitalisation and medical treatment coverage to take care of your healthcare needs, including extensive cancer coverage, advanced medical treatment, and mental health care, as well as various outpatient treatment benefits and other unique value-added benefits.

Crisis TotalCare

Get total peace of mind when you have comprehensive coverage on critical illness from Early Stage to Late Stage as well as other additional special conditions covering a total of 166 conditions.

Crisis Protector

Offers extra protection so you could prepare your fight against a critical illness as soon as you’re diagnosed.

Product details

Coverage and Payment Terms

Contribution Term

Throughout the coverage term

Minimum Monthly Contribution


Eligibility Age

1 to 70 age next birthday.

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

Expiry Age

Up to 100 years old

Minimum Sum Covered



Set your own coverage according to your own budget from as low as RM50 per month.

Attach your preferred riders that suit your needs for a comprehensive coverage.

Offer your protection, investment and opportunity to perform good deeds simultaneously.


Maturity Benefit

Remaining balance from Individual Special Account (ISA).

Death Benefit

Higher of:

a) Basic Sum Covered; or
b) Total Amount in the Individual Special Account (ISA); plus value of units in the Investment Unit Account (IUA) if any.

Total and Permanent Disability (TPD) Benefit

Sum At Risk.

Note: The sum at risk is the amount in which the basic sum covered exceeds your Individual Special Account (ISA) balance. If there is no excess sum covered over your ISA balance, the sum at risk is therefore zero. TPD coverage is up to age 70 and subject to a maximum of RM4 million per person covered.

Attachable Riders

Accidental Protector Plus
Accidental Medical Protector
Parent Term
Crisis Shield
Crisis Protector
Crisis TotalCare
Cancer Protector
Medic Protector
Medic TotalCare
Income Protector
Contributor Protect
Contributor Saver
Contributor Spouse Protect
Contributor Spouse Saver
Contributor Parent Protect
Contributor Parent Saver
Takaful Saver

Tax Exemption

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

Important Note
  • The above is only a brief description of our riders. For full details of the terms and conditions, please refer to your Certificate Document, servicing agent or contact our Customer Service Centre at +603 2053 7188 or

  • Age stated above refers to the Age of your next birthday.

Understanding riders

What is a rider

A rider is a product which adds benefits to your basic takaful plan. Attaching a rider to your basic plan provides you with options such as additional coverage so you can customise the plan to suit your own needs.