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PruBSN AnugerahPlus

PruBSN AnugerahPlus

Comprehensive first takaful plan that combines life and medical protection for critical illnesses, medical, hospitalisation and accidental benefit plus many more.

With the Extended Family Coverage feature, you can also ensure financial security for your extended family members who are financially dependent for maintenance or education.

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.

Medic Protector

Ease your burden of medical bill so you can keep your savings for your goals.

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.

Extended Family Coverage
Ensure financial security for those beyond your immediate family, who are financially dependent on you for maintenance or education.

For example, you can ensure continuous financial support for your grandfather who is dependent on you for living maintenance even if the unfortunate happens to you.


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 by which the basic sum covered
exceeds your ISA balance. If there is no excess of sum covered over your
ISA balance, then the sum at risk shall be 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.