# llms.txt - Prudential BSN Takaful Website ## Site Information - **Site Name**: Prudential BSN Takaful Berhad (PruBSN) - **URL**: https://www.prubsn.com.my - **Platform**: Adobe Experience Manager (AEM) - **Industry**: Islamic Financial Services (Takaful) - **Business**: Takaful (Islamic Insurance) Provider - **Languages**: English (`/en/`) and Bahasa Malaysia (`/ms/`) - **Primary Market**: Malaysia - **Target Audience**: Malaysian families and individuals seeking Shariah-compliant financial protection ## Site Structure ### Core Paths - `en/` - English content - `en/products/all-basic-plans` - English all basic plans products page - `ms/` - Bahasa Malaysia content - `en/products/all-basic-plans` - Bahasa Malaysia all basic plans products page ### Main Navigation Structure ``` ├── en/ (English Home Page) │ ├── products/ │ │ ├── all-basic-plans/ │ │ | ├── protection/ | │ │ | ├── prubsn-lindung-famili/ | │ │ | ├── lindungi/ | │ │ | ├── prubsn-damai/ | │ │ | ├── prubsn-damaigenz/ | │ │ | ├── prubsn-anggun/ | │ │ | ├── prubsn-sinar/ | │ │ | ├── prubsn-anugerahmax/ | │ │ | ├── skim-insurans-kesejahteraan-rakyat/ | │ │ | ├── amanah-medicare/ | │ │ | ├── prubsn-kritikal-care360/ | │ │ | └── prubsn-asas-360/ │ │ | ├── wealth/ | │ │ | ├── prubsn-warisangold/ | │ │ | └── prubsn-aspirasi/ │ │ | └── health/ | │ │ ├── medic-plan/ | │ │ ├── cancer-plan/ | │ │ └── prubs-cegah-famili/ │ │ ├── riders/ │ │ | ├── accident/ | │ │ | ├── accidental-disablement-protector/ | │ │ | ├── accidental-protector-plus/ | │ │ | ├── accidental-medical-protector/ | │ │ | └── accidental-income-protector/ │ │ | ├── child/ | │ │ | ├── vital-care-plus/ | │ │ | ├── parent-term/ | │ │ | └── baby-totalcare/ │ │ | ├── contributor/ | │ │ | ├── contributor-parent-saver/ | │ │ | ├── contributor-parent-protect/ | │ │ | ├── contributor-spouse-protect/ | │ │ | ├── contributor-saver/ | │ │ | ├── contributor-protect/ | │ │ | ├── contributor-joint-saver/ | │ │ | ├── contributor-joint-protect/ | │ │ | └── contributor-spouse-saver/ │ │ | ├── critical-illness/ | │ │ | ├── crisis-totalcare/ | │ │ | ├── crisis-shield/ | │ │ | ├── crisis-protector/ | │ │ | └── cancer-protector/ │ │ | ├── donation/ | │ │ | └── ihsan/ │ │ | ├── income/ | │ │ | └── income-protector/ │ │ | ├── investment/ | │ │ | ├── takaful-saver/ | │ │ | └── takaful-saver-kid/ │ │ | ├── medical/ | │ │ | ├── health360/ | │ │ | └── medic-totalcare/ │ │ | ├── protection/ | │ │ | ├── hajj-umrah-protector/ | │ │ | ├── level-term/ | │ │ | └── hajj-protection/ │ │ | └── health/ | │ │ └── mom-care/ │ │ └── funds/ │ │ ├── fund-price/ │ │ └── takafulink-funds-performance-information/ │ ├── knowledge-corner/ │ │ ├── takaful-articles/ │ │ ├── life-stages/ │ │ │ ├── young-adult/ │ │ │ ├── new-parent/ │ │ │ ├── growing-family/ │ │ │ ├── mature-family/ │ │ │ └── towards-retirement/ │ │ ├── protecting-health/ │ │ └── growing-health/ │ ├── claims-services/ │ │ ├── claims-made-easy/ │ │ ├── how-to-pay/ │ │ ├── hospital-network/ │ │ ├── services/ │ │ └── tools/ │ ├── help-and-support/ │ │ ├── faq/ │ │ └── contact/ │ ├── search/ │ ├── pruservices/ │ ├── related-links/ │ ├── financial-funds-performance/ │ ├── privacy-policy/ │ ├── terms-conditions/ │ └── about-us/ │ ├── about-prubsn/ │ ├── about-takaful/ │ │ └── work-with-us/ │ │ ├── careers/ │ │ └── agency-admin/ │ ├── sustainability-at-prubsn/ │ ├── campaigns-announcements/ │ ├── financial-performance/ │ └── press-releases/ └── ms/ (Bahasa Malaysia Home Page - mirrors /en/ structure) ``` ## PruBSN-Specific Business Context ### Takaful Terminology - **Takaful**: Islamic insurance based on Shariah principles (mutual cooperation and protection) - **Takaful Certificate**: Policy document (not "insurance policy") - **Takaful Participant**: Policyholder/customer - **Takaful Consultant/Agent**: Sales representative - **Contribution**: Premium payment - **Tabarru'**: Donation/contribution to the common fund - **Wakalah**: Agency contract model - **Hibah**: Gift/bonus from surplus - **Shariah Compliance**: Adherence to Islamic law principles ### Product Categories 1. **Protection Plans**: Death, disability, critical illness coverage 2. **Health Plans**: Medical and hospitalization coverage 3. **Wealth Plans**: Savings and investment-linked takaful 4. **Riders**: Supplementary benefits added to basic plans 5. **Takafulink**: Unit-linked investment plans ### Key Products & Services - **Basic Plans**: Core takaful certificates - **Medical Riders**: PRUMedik, PRUMedik Asas, PRUCancer Cover Plus - **Panel Hospitals & Clinics**: Network of healthcare providers - **PRUPanel Plus**: Enhanced hospital panel benefits - **i-Lindung**: EPF-linked protection scheme - **SIKR**: Skim Insurans Kesejahteraan Rakyat (government welfare scheme) - **Takaful Calculator**: Online quotation tool (https://prubsnadvisor.com) - **Fund Price**: Daily unit pricing for investment-linked funds ### Digital Platforms - **PruBSN Touch**: Mobile app for certificate management - **PRUServices**: Web portal for participant self-service - **PruBSN Pay**: Online payment platform (https://app.prubsn.com.my/PruBSNPay/) - **MobileME**: Mobile Medical Examination service ### Life Stages Framework Content organized around customer life stages: - Single/Young Adult - New Parents - Growing Family - Mature Family - Towards Retirement ### Value-Added Services - **Islamic Spiritual Support**: Collaboration with Darussyifa' - **Second Medical Opinion**: Healthcare consultation service - **Day Surgery Benefit**: Outpatient surgical procedures coverage - **PruBSN Prihatin**: Charitable/CSR arm ## Integration Points ### PruBSN-Specific Systems - **PruBSN Touch**: Mobile application for certificate management - Login endpoint: https://app.prubsn.com.my/PruBSNTouch/login/login.do - Native iOS and Android apps - **PRUServices**: Web-based participant portal - URL: https://pruservices.prubsn.com.my/app/ - Self-service certificate management - Claims submission and tracking - **PruBSN Pay**: Online payment platform - URL: https://app.prubsn.com.my/PruBSNPay/validate - Contribution payment processing - **Takaful Calculator/Advisor**: Quotation engine - URL: https://prubsnadvisor.com/input-page - Product recommendations and pricing ### Third-Party Services - **Panel Hospital/Clinic Network**: Healthcare provider integration - **PIDM (Perbadanan Insurans Deposit Malaysia)**: Regulatory compliance - **Bank Negara Malaysia (BNM)**: Regulatory reporting - **Darussyifa'**: Islamic spiritual support collaboration - **Payment Gateways**: Online payment processing - **Email Services**: Transactional and marketing communications ## Additional Resources ### Documentation - [Adobe AEM Documentation](https://experienceleague.adobe.com/docs/experience-manager.html) - [AEM Core Components](https://experienceleague.adobe.com/docs/experience-manager-core-components/) - [Bank Negara Malaysia (BNM) Guidelines](https://www.bnm.gov.my/) - [PIDM Information](https://www.pidm.gov.my/) - [Malaysian Takaful Association](https://www.malaysiantakaful.com.my/) ### Contact Information - **Customer Service Centre Hotline**: +603 2775 7188 - **Corporate Office**: Level 13, Menara Prudential, Persiaran TRX Barat, 55188 Tun Razak Exchange, Kuala Lumpur, Malaysia - **Website**: https://www.prubsn.com.my - **Email**: Available via contact form ### Social Media - [Facebook](https://www.facebook.com/prubsn) - [YouTube](https://www.youtube.com/user/PruBSNOfficial) ### Regulatory & Compliance Notes - Member of PIDM (Perbadanan Insurans Deposit Malaysia) - Licensed and regulated by Bank Negara Malaysia - Shariah-compliant products reviewed by Shariah Advisory Committee - All promotional materials require compliance approval - Product illustrations must follow BNM guidelines - Maintain audit trails for regulatory reporting ### Brand Guidelines - Tagline: "For All. For Life." - Brand personality: Trustworthy, caring, accessible - Visual style: Professional yet warm, culturally sensitive - Photography: Diverse Malaysian families, inclusive representation - Typography: Clean, readable fonts for bilingual content --- **Company Information** - **Legal Name**: Prudential BSN Takaful Berhad - **Registration**: 200601020898 - **Nature**: Joint venture between Prudential plc (UK) and Bank Simpanan Nasional (BSN) - **Distinction**: Not affiliated with Prudential Financial, Inc. (USA) **Copyright**: © Prudential BSN Takaful Berhad. All Rights Reserved. **Last Updated**: April 2026