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PruBSN Damai

A comprehensive and modern medical solution package to overcome your worries and concerns about healthcare and other life uncertainties. Protection for death and total and permanent disability, medical and hospitalisation, critical illnesses, accidental and many more.

Protected from medical expenses and critical illness.

Customise your plan to protect yourself from the sudden, hefty medical bill of different treatments and overcome your worries on other life uncertainties.


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.


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

Accidental Medical Protector

Helps you to deal with the heavy medical expenses that come after an accident.

Product Details

Coverage and Payment Terms

Contribution Term

Throughout the coverage term

Eligibility Age

1 to 70 (age next birthday).

Note: For certificate that mature at age 70, maximum entry age is 60 (age next birthday).

Expiry Age

Up to 100 years old

Minimum Sum Covered



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

Comprehensive Medical Coverage
Cover various medical and hospitalisation benefits, with flexibility to choose on the types of room and board, the co-payment options and contribution options to suit your individual needs and affordability.

Recommended Add-on Benefits
Here is an overview of the recommended package solution for PruBSN Damai.



Maturity Benefit

Remaining balance from Individual Special Account (ISA).

Death Benefit

Higher of:

  • Basic Sum Covered; or

  • 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 and conditions of Inland Revenue Board (IRB).

Important Notes
  • 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 2775 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.