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.

Download Brochure

Comprehensive Protection in One Plan

Get your medical and life protection as well as other additional coverage for critical illness and accidental that bring peace to your mind.

Gen Z doing physical activities with full determination

Extensive Cancer Coverage and Advanced Medical Treatments

Enjoy comprehensive coverage for cancer treatments, including additional limits, coverage for follow-up care, and access to advanced medical treatments so you get the best treatment possible.

A group of people in support group setting

Mental Health Care

Get appropriate treatment for your mental health conditions as they don’t improve on their own and if left untreated, may get worse and cause other serious problems.

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.
Crisis Protector	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	RM10,000

Features

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.

Benefits

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 Ihsan

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 customer@prubsn.com.my.
Age stated above refers to the age of your next birthday.

Strengthen your plan with add-ons

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.

Need help? We’re here