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Protection

PruBSN Sinar

A total and comprehensive solution to cater for your protection needs that includes death and permanent disability, early to late stage critical illnesses, medical and hospitalisation, accidental and many more.

Protected from critical illness and hospitalisation.

You have the option to customise your plan to protect yourself from the likes of cancer and the hefty medical costs of different treatments.

 

 

 

Crisis TotalCare

Provides total and comprehensive critical illness protection from early stage to late stage, including special conditions like diabetic related conditions, mental health conditions as well as other unique value-added benefits

Medic Protector

Ease your burden of medical bill so you can keep your savings for your goals.

Product Details

Coverage and Payment Terms

Contribution Term

Throughout the coverage term

Eligibility Age

1 to 70 age next birthday.

Note: For expiry age 70, maximum entry age is 60 age next birthday.

Expiry Age

Up to 100 years old

Minimum Sum Covered

RM10,000

Features

Customisable
Attach your preferred riders that suit your needs for a comprehensive coverage.

Total Critical Illness Coverage
Cover extensive list of critical illnesses from early to late stage.

Accidental Protection
Provides accidental benefit in the event of death, disablement and hospitalisation caused by accident.

Benefits

Maturity Benefit

Remaining balance from Individual Special Account (ISA).

Death Benefit

Higher of:

  • Basic Sum Covered; or

  • Total Amount in the Individual Special Account (ISA); plus value of units in the Investment Unit Account (IUA) if any.

Total and Permanent Disability (TPD) Benefit

Sum At Risk.

Note: The sum at risk is the amount by which the basic sum covered exceeds your ISA balance. If there is no excess of sum covered over your ISA balance, then the sum at risk shall be zero. TPD coverage is up to age 70 and subject to a maximum of RM4 million per person covered.

Attachable Riders

Accidental Protector Plus
Accidental Medical Protector
Parent Term
Crisis Shield
Crisis Protector
Crisis TotalCare
Cancer Protector
Medic Protector
Income Protector
Contributor Protect
Contributor Saver
Contributor Spouse Protect
Contributor Spouse Saver
Contributor Parent Protect
Contributor Parent Saver
Takaful Saver
Ihsan

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 customer@prubsn.com.my.

  • 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.