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PruBSN Setia

PruBSN Setia

A comprehensive Shariah-compliant takaful solution that provides medical, critical illness, accidental and financial protection up till 100 years of age, no matter what your needs are.

Reasons to consider PruBSN Setia

No one can predict the future, but we can always plan for the unexpected.

As you brave the challenges ahead, it's crucial to protect your hard-earned income from life's uncertainties — a critical illness like cancer, death or total permanent disability can easily drain your savings and cause financial hardships for your family.

PruBSN Setia offers a flexible, all-inclusive protection plan anchored by PruBSN AsasLink, a regular contribution investment-linked takaful plan which you can enhance further with critical illness and accident riders, as well as HealthProtector, a medical rider with no annual and lifetime limits.

Secure the income protection you and your loved ones deserve with this affordable all-in-one plan for your takaful needs.

Cover your healthcare with HealthProtector.

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


Utilise the flexibility in using your contribution savings to meet your own financial goals with SmartSaver 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 70th birthday.

Attachable Riders

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

Health Protector

This Shariah-compliant takaful medical rider provides the financial support you need for healthcare from as early as 14 gestational weeks, up to 100 years of age.

With Health Protector, you will be reimbursed for medical expenses incurred due to accident and hospitalisation, as well as selected outpatient treatments that include cancer treatments and kidney dialysis.

It comes with no annual and no lifetime limits, and is guaranteed renewable. 

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.