PruBSN Lindung Famili

Eligibility Age

EPF Member/Spouse: 19 to 65 (age next birthday)
Children: 14 Days to 65 (age next birthday)

Contribution Term
Throughout certificate term

Coverage Term
Yearly renewable up to age 75

Minimum Sum Covered
RM10,000

Simplified Underwriting
Answer only 1 simple health declaration questions with no medical examinations required.

Death Benefit
100% of Sum Covered payable in the unfortunate event of your or any of your covered dependant(s) passing.

Total and Permanent Disability (TPD) Benefit
100% of Sum Covered payable if you or any of your covered dependant(s) suffer from Total and Permanent Disability (TPD).

Note: Payment of this benefit will reduce the Death Benefit.

Accidental Death Benefit (ADB)
Up to 300% additional benefit payable on top of Death Benefit for accidental death

How to Submit Claims?
Please refer to https://www.prubsn.com.my/en/how-to-claim/ on claim submission process.

What are the documents needed for claim?
Please visit PruBSN’s website at https://www.prubsn.com.my/en/how-to-claim/ for more details on the list of documents required for claims submission.

How long will it take to process a claim?
Upon receiving the complete documents, the claim payment will be processed within 13 working days.

Why is it important to make a nomination?
Nomination is important to ensure that your loved ones will receive the protection as intended by you and that certificate benefits can be paid out by PruBSN without any delay. The nominee can be either an executor (wasi) or a beneficiary under a conditional Hibah (Gift). Without a nomination, the certificate benefits will be paid out to your lawful executor or administrator to distribute it in accordance with the applicable laws of distribution. The process may take a while.

It is important for you to inform your nominee about the certificate benefits and nomination.

Who can I nominate for my certificate?
The nominee has to be an individual. Nomination of an organization is not allowed.

If your nominee is below the age of 19 at the point of claim, the benefits will be paid to the surviving parent or a proper claimant i.e. legal guardian, subject to the relevant legal evidence/supporting documents.

How to make a nomination?
You can make a nomination by completing the nomination form with a witness and submit it via the following channels or any other channel PruBSN may make available from time to time:

a) walk-in to any of Prudential or PruBSN branches; or
b) email to customer@prubsn.com.my.

The nomination form is available:

a) at Prudential or PruBSN branches;
b) on PruBSN corporate website at https://www.prubsn.com.my/; or
c) in the welcoming email issued to you upon successful participation of this plan

You may choose to cancel the certificate by walk-in to any of Prudential or PruBSN branches or email to customer@prubsn.com.my.

If you choose to cancel your certificate within 15 days from the date the covered member’s certificate is delivered to you, PruBSN will refund the contribution paid by the you for the cancelled Covered Member’s coverage.

Please note that you will not be able to revive the certificate after you have cancelled it. This means you are no longer covered under the plan. If you decide to participate again, you will need to submit a new application for enrollment. Please carefully consider if cancelling the coverage is the best decision for you.

Upon successful application, you will receive the e-Certificate via email, which was provided during the application. You will also be able to view the e-Certificate in Pulse by Prudential app and PruBSN Touch.

The contribution payable may qualify for personal income tax relief, subject to terms & conditions of the Inland Revenue Board (IRB) of Malaysia.

The above is only a brief description of our product. For more information on PruBSN Lindung Famili, kindly refer to the Product Disclosure Sheet before participating in this plan and refer to the terms and conditions in the Certificate Summary for details on the important features as well as exclusions that apply to the plan.

This is a yearly renewable group term takaful plan with Prudential BSN Takaful Berhad (PruBSN) as the master certificate holder.

Scan the QR Code or click on the links below to download Pulse by Prudential mobile application. Please ensure that your email address registered for EPF i-Lindung is the same email used for your Pulse by Prudential app account. You can view and download your e-Certificate at the ‘PRUServices’ section on the Pulse by Prudential app.