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Skim Insurans Keluarga Malaysia

The Skim Insurans Keluarga Malaysia (SIKM) is a complimentary Shariah-compliant annual group term takaful plan with contributions sponsored by the Government. The scheme is offered exclusively to heads of households from the hardcore poor and poor category registered with the eKasih database under the purview of the Implementation Coordination Unit, Prime Minister's Office (ICU JPM). Exclusively managed by PruBSN Takaful Berhad (PruBSN), the 1-year plan provides lump sum benefits in the event of death due to natural or accidental causes or in the event of Total & Permanent Disability (TPD) due to any unforeseen circumstances.

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Benefit of RM10,000 coverage
Ease your family's burden when they need it the most with a payout of RM10,000 in the event of death or Total & Permanent Disability (TPD)
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Receive RM25,000 payout upon accidental death
Benefit from an additional lump sum payout to help your family maintain financial stability in the unfortunate event of an accidental demise.
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Government initiative to provide assistance
The government through Implementation Coordination Unit of the Prime Minister Office (ICU JPM) provided this initiative for the hardcore poor and poor segments registered in the eKasih database for them to get complimentary 1-year takaful protection.

Product Details

Coverage Term, and Eligibility

Coverage Term

12 months


Heads of households from hardcore poor and poor category aged 19-60 (by their next birthday) registered in the eKasih database

Takaful Contribution

This certificate is complimentary and fully funded by the Government

  1. Exclusive for eKasih Recipients: The scheme is offered exclusively to heads of households from the hardcore poor and poor category registered with eKasih programme

  2. Free Takaful Plan: Group term takaful plan and Shariah-compliant product with contributions are fully sponsored by the Government

  3. Protection: Offers natural death, accidental death and Total Permanent Disability (TPD) coverage

  4. Simple: Straightforward and easy to understand

  5. No Medical Examination: Participant of this scheme does not need to undergo medical examination and underwriting process

  6. Hassle-free: Automatic registration 


Skim Insurans Keluarga Malaysia pays the respective lump sum benefits according to the event stated below:



Sum Covered (RM)

Natural Death Benefit


Accidental Death Benefit


Total and Permanent Disability (TPD) Benefit


How to Make a Nomination

Why is it important to make a nomination?

  • Nomination is important to ensure that your loved ones will receive the protection as intended by you and that PruBSN can pay certificate benefits out without delay. The nominee can be either an executor (Wasi) or a beneficiary under a conditional Hibah (Gift).

  • Without a nomination, the certificate benefits will be paid out to your lawful executor or administrator and distributed in accordance with the applicable distribution laws. This process may take a while.

  • It is essential to inform your nominee about the certificate benefits and nomination.

Who can I nominate for my certificate?

  • The nominee must be an individual. Nomination of an organisation is not allowed.

  • If your nominee is under 18 at the point of claim: the benefits will be paid to a surviving parent or proper claimant, i.e., legal guardian, subject to the relevant legal evidence/supporting documents.

How to make a nomination?

  • You can nominate your nominee(s) by completing the nomination form with a witness and submitting it via the following channels:

    1. Walk in at any Prudential or PruBSN branches; or
    2. E-mail to

  • Or any other channel PruBSN may make available to you from time to time.

  • The nomination form can be downloaded here, or obtained from

    1. Any Prudential or PruBSN branches; or
    2. The e-mail you receive upon issuance of your Certificate.

How to Submit Claims?

How to Submit Claims?

For a claim on Death and Total and Permanent Disability (TPD Benefit:

  1. The claimant may submit the completed claim form(s) with supporting documents to any PruBSN branch.

What are the documents needed for claim?

For a claim on Death Benefit:

The claimant is required to submit the following:

  1. Death Claim Form - signed by the claimant (the person who is making a claim)

  1. Medical Attendance Certificate - signed by the doctor who last treated the deceased

  1. Certified True copy of Death Certificate - to be certified by PruBSN branch staff or the Executive/Business Development Manager

  1. A copy of Claimant's MyKad (if there is no nomination)

  1. A copy of Deceased's MyKad

  1. Certified True copy of proof of relationship (Marriage Certificate, Birth Certificate, Children of Claimant, Parent of Deceased) for all claimants (if there is no nomination)

  1. A Direct Credit Facility Form completed by the nominee/claimant

  1. Other supporting tests/Laboratory Reports: Biopsy, MRI, scan, and investigation results (where applicable)

All relevant claim forms can be downloaded here or obtained at any PruBSN branch. Claim forms can also be requested by sending an e-mail to or by contacting the PruBSN Customer Service line at 03-27757188 (Monday to Friday, 8.30 a.m. - 5.15p.m.).

For a Total and Permanent Disability (TPD) Benefit claim:

The claimant is required to submit the following:

  1. Photo of MyKad (front and back)

  1. Selfie of claimant holding their MyKad (for verification)

  1. Copy of Bank Passbook / Bank Account Statement (front page)

  1. Total and Permanent Disability Confidential Medical Certificate (completed and signed by the doctor who treated the Covered Member)

  1. Other supporting reports - Latest physiotherapy/rehabilitation progress, doctor referral letters, blood tests, urine tests, biopsy, MRI, CT scan, ultrasound and all investigation reports (where applicable)

  1. Certified True copy of employment termination or medically boarded-out letter

PruBSN may request other information, relevant supporting documents, or request to view original documents whenever necessary.

How long does it take to process a claim?

The claim payment will be processed within 14 working days upon receipt of complete documents.

Important Notes

The above is only a brief description of our product. For more information on Skim Insurans Keluarga Malaysia (SIKM), kindly refer to the Product Disclosure Sheet before participating in this plan and refer to the terms and conditions in the Certi­ficate Summary for details on the important features as well as exclusions that apply to the plan.