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PruBSN Lindung Famili

PruBSN Lindung Famili

Let your EPF protect you and your family

Get a term takaful protection plan for Death and Total & Permanent Disability (TPD) for you and your family from as low as RM13.80* a year per covered member through i-Lindung using your EPF funds. On top of that, you can get up to 3 times the coverage upon accidental Death.

Exlcusively for EPF members

*For female non-smokers, between age 1 and 35 (age next birthday), with sum covered of RM10,000.
Guaranteed Yearly Renewal
This takaful plan will automatically be renewed on an annual basis up to Age Next Birthday (ANB) 75.
Extendable to Your Dependants
Now your spouse and children can also be covered.
Additional Benefit of up to 3x Sum Covered upon Accidental Death
100% of Sum Covered payable upon Death or Total & Permanent Disability (TPD), with an additional benefit of up to 300% of the Sum Covered upon Accidental Death.
Affordable Contribution
Pay a yearly contribution from as low as RM13.80* for one year's worth of takaful protection per covered member through deduction directly from your EPF Account where the contribution is also tax deductible.

*This contribution is based on yearly contribution for female non-smokers between age 1 and 35 with sum covered of RM10,000. Please refer to the sample annual contribution rates.

Product Details

Coverage and Payment Term

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


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


Death due to


Any accident

Additional 100% of the Sum Covered

Accident when commuting in a public conveyance,
elevator car or burning of hotel or public building

Additional 200% of the Sum Covered

Accident occuring outside of Malaysia

Additional 300% of the Sum Covered

How to Submit Claims?

How to Submit Claims?
Please refer to on claim submission process.

What are the documents needed for claim?
Please visit PruBSN’s website at 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.

How to Make a Nomination?

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

The nomination form is available:

a) at Prudential or PruBSN branches;
b) on PruBSN corporate website at; or
c) in the welcoming email issued to you upon successful participation of this plan

How to Cancel the Certificate?

You may choose to cancel the certificate by walk-in to any of Prudential or PruBSN branches or email to

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.

How do you receive the e-Certificate after participated in PruBSN Lindung Famili?

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.

Tax Exemption

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

Important Notes

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.

How to Download Pulse by Prudential?

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.



How to sign up

Step 1:
Log in to KWSP i-Akaun Apps
Download the KWSP i-Akaun app by scanning the QR code above and log in or register yourself if you don't have one. Refer to the registration guide here.
Step 2:
Select 'i-Lindung'
Click on ‘i-Lindung’, then choose ‘Get a Quote’ and fill in all required details.
Step 3:
Choose your takaful plan
Select your preferred protection plan from PruBSN and fill up the necessary information.
Step 4:
Make contribution payment
Make contribution payment, which will be deducted from your EPF account.