PruBSN Kritikal Care360

The critical illness protection that stands by you through life’s toughest battles, detecting illness early, growing with your needs and supporting your full recovery so you can face every challenge with strength and confidence.

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Reasons to consider PruBSN Kritikal Care360

No one plans for a critical illness but you can plan for how you’ll face it.

A serious diagnosis can affect your heath, disrupt your income and weigh heavily on your family. It can change how you see tomorrow.

PruBSN Kritikal Care360 is designed to walk with you at every stage of your journey, helping you focus on treatment, supporting your recovery and giving you the confidence to face life's toughest battles. Because facing a critical illness should never mean facing it alone. Your journey deserves care that goes beyond treatment.

Critical illness coverage provides financial security when you need it most. It offers a lump sum to replace lost income, covers treatment costs for timely access to quality care, and helps with hidden expenses like caretaker and nursing fees—so you can focus on your health without added financial stress.

Key product benefits

Covers Major Critical Illness Benefits from Early Critical Illness to Late Stage Critical Illness

Get protection at every stage of disease progress, supporting early treatment for early recovery.

Protection That Rewards Your Journey and Grows With Life

With the Protection Booster, your coverage automatically increases by up to 30% every 5 years. You will also be entitled to Living Rewards for surviving a critical illness or Wellness Rewards at maturity for staying healthy without early claims.

Get Protected Beyond the List with Recovery Allowance

Don’t let the hidden costs of serious illness take you down. Get a lump sum payment of RM10,000 for major surgery or admission to Intensive Care Unit (ICU), for any causes.

Product details

Eligibility

Coverage Term / Expiry Age and Entry Age
Coverage Term / Expiry Age	Entry age
Coverage Term / Expiry Age	Juvenile	Adults
Age 70	1 - 18 years old	19 - 49 years old
Age 80	1 - 18 years old	19 - 59 years old
*20 Years	1 - 18 years old	19 - 60 years old

Basic Sum Covered

Minimum

RM50,000

Maximum

Juvenile: RM1,000,000 per life

Adult: RM2,000,000 per life

Contribution Payment Term / Coverage Term

Options are Expiry Age 70 or 80 or *Term 20 Years.

*Note: The option of Term 20 Years is available for a limited period until 30 April 2026, subject to further notice.

Features

Coverage on Major Critical Illness that stays with you — at every turning point
Support when it’s still early Because waiting until it’s “serious enough” is already too late.
• Receives 50% of total coverage amount for Early Critical Illness
Quick and early access to funds for early treatments and more options, not when options are limited
• Receives 100% of the remaining coverage amount for Late Stage Critical Illness
Financial certainty when your focus should be on healing

Coverage that grows as life grows
Time changes everything — costs, responsibilities, priorities.
• Automatic increase in coverage every 5 years, up to 30% additional coverage, without extra cost or reapplying
So that your protection never feels left behind

Care that continues beyond the hospital
Recovery is not just medical — it’s emotional, physical, financial.
• Receives Recovery Allowance of RM10,000 for major surgery or Intensive Care Unit (ICU) stay
Helps cover time off work, caregiving, and everyday life

Because survival deserves recognition
Life after a critical illness is still life worth celebrating.
• Receives Living Reward if you survive 5 years after a Late Stage Critical Illness claim
A meaningful payout to support rebuilding, rehabilitation, and renewal

Commitment and discipline protection deserve appreciation
Staying protected is a long journey.
• Receives Wellness Reward at maturity when you stay healthy with no Early Critical Illness claim*
A reward for choosing protection and long term well-being

Additional Benefits

Protection That Cares, Every Step
• Access to personalised case management for clear guidance, second opinions, and expert support, as well as Islamic spiritual support for emotional and spiritual wellbeing.
Because healing is never just physical

Note: Value-Added Service is available after 60 days from the commencement or revival date of the certificate.

Attachable Riders

Takaful Saver

Tax Exemption

For PruBSN Kritikal Care360, you may claim relevant insurance tax relief subject to the terms and conditions of the inland Revenue Board of Malaysia.

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.

Get more info here

PruBSN Kritikal Care360 Brochure

Strengthen your plan with add-ons

Takaful Saver

Take one step closer to your future goals.

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.