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PruBSN Setia

PruBSN Setia

Provide comprehensive medical and financial protection, no matter what your needs are

Cover your healthcare with HealthProtector.

Prioritise your health with a medical plan which offers flexible options in SmartSaver 300 and High Deductible. So you can choose one that meets your needs.

SmartSaver 300

Utilise the flexibility in using your contribution savings to meet your own financial goals with SmartSaver 300 option.

High Deductible

Get your excess medical expenses covered if you already have a medical plan with an annual limit equivalent to the deductible amount with the High Deductible option.

Product details

Coverage and Payment Terms

Contribution Term

Up to age 100

Eligibility Age

19 to 70 years old

Expiry Age

Up to age 100

Minimum Sum Covered



PruBSN Setia is based on expiry age 100 with options to choose certificate sustainability, coverage and for contribution amount

High Protection
Medical Plan with No Annual Limit and No Lifetime Limit, instead will have Smart Value Point.

No lapse provision for the first 6 years


Death Benefit

In the event of death before expiry of the term, the following will be payable:

  • Basic Sum Covered; and

  • Value of units in Protection Unit Account (PUA) and Investment Unit Account (IUA).

Total and Permanent Disability (TPD) Benefit

The sum covered is payable in the event of TPD before the certificate anniversary date of the covered person’s 70 years old.

Attachable Riders

Crisis Shield
Crisis Protector
Accidental Protector Plus
Accidental Medical Protector
Accidental Income Protector
Health Protector
Contributor Protect
Contributor Saver
Contributor Spouse Protect
Contributor Spouse Saver
Takaful Saver

Tax Exemption

Up to RM6,000 under Life Insurance and EPF, subject to terms & conditions of Inland Revenue Board (IRB).

Important Note
  • 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 2053 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.