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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.

Key product benefits

All-in-one coverage plan

You can have life protection as well as receive add-on coverage on comprehensive critical illness, medical and accidental in meeting your financial and protection needs.

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Coverage for 166 critical illnesses conditions

With Crisis TotalCare, receive lump sum benefit when you’re diagnosed with any one of the covered conditions from early to late stage critical illnesses as well as additional special conditions that includes mental health conditions, so you are set to fight against these illnesses and can focus to recover.

Accidental Protection

Receive lump sum benefits and medical expenses with Accidental Protector Plus and Accidental Medical Protector should the unfortunate happens due to an accident.

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	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 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 Ihsan
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 customer@prubsn.com.my.
Age stated above refers to the Age of your next birthday

Get more info here

PruBSN Sinar Brochure

PruBSN Sinar Flyer

Strengthen your plan with add-ons

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.

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