It's time to update your payment card details
If you have just renewed your debit card, remember to update it to ensure you and your loved ones are continuously covered and protected by your takaful certificate. 

Select your language
Happy Muslim family with parents and son

PruBSN Sinar

A total and comprehensive solution package that caters to your financial protection needs, including death and total permanent disability, early to late stage critical illnesses such as cancer, heart attack or stroke, medical and hospitalisation, personal accident, and more.

Reasons to consider PruBSN Sinar

Life isn’t always sunshine and rainbows. Unexpected events such as an accident, a critical illness or loss of life can leave you and your loved ones financially and emotionally stressed if you're not prepared.

PruBSN Sinar offers a ray of hope in times of need. This comprehensive protection plan consists of PruBSN AnugerahPlus, a Shariah-compliant, regular contribution takaful plan that comes with Crisis TotalCare plus other riders and add-on benefits, giving you (the certificate holder) flexibility to customise your coverage according to your needs and budget. 

Don’t leave your financial security to chance. Protect yourself and your loved ones against critical illnesses and accidents by securing the income protection you all deserve, for total peace of mind.

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 TotalCare

Provides a wide range of hospitalisation and medical treatment coverage to take care of your healthcare needs, including extensive cancer coverage, advanced medical treatment, and mental health care, as well as various outpatient treatment benefits and other unique value-added benefits.

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



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.


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 Individual Special Account (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
Medic TotalCare
Income Protector
Contributor Protect
Contributor Saver
Contributor Spouse Protect
Contributor Spouse Saver
Contributor Parent Protect
Contributor Parent Saver
Takaful Saver

 Crisis TotalCare

Designed to help you focus on recovery, Crisis TotalCare provides total and comprehensive critical illness protection from early to late stage, with coverage for up to 166 types of critical illnesses.

This Shariah-compliant takaful rider provides a lump sum payout upon diagnosis of one of the covered critical illness conditions. It also offers other unique value-added benefits, such as coverage for special conditions related to diabetes and mental health.

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.