What are the benefits that PruBSN Ummah can offer?

Loyalty Bonus¹	This is benefit for being our loyal customer. You will earn this benefit when you complete your takaful period. Additionally, this bonus will also be paid in the event of death or total and permanent disability on top of your other takaful benefits In order to ensure you have peace of mind during Hajj, you will also be given a Hajj allowance, which is a part of the loyalty bonus. The allowance is intended to supplement your expenses. You can also use it to ensure the financial needs of your family at home are taken care of whilst your perform your obligations in Mecca.
Withdrawals of savings for Hajj and Umrah	You can withdraw part of your savings from your account to supplement the need for your journey for Hajj or Umrah, subject to the following conditions: Only 1 withdrawal is allowed for Umrah and Hajj each throughout the certificate term. Withdrawals can only be made after the 5th certificate year Each withdrawal must be at least RM500 and at most 70% of your account balance prior to withdrawing. There must be a minimum balance of RM2,000 left in your account after withdrawal.

Death and Total and Permanent Disability Benefits (TPD) Upon your death or total and permanent disability, you or your nominee will receive cash equivalent to your coverage i.e. takaful benefit amount. In addition, your family will receive an additional RM2,000 as a form of compassionate benefit upon your unfortunate passing that could be used for funeral or other related expenses. Double Your Takaful Benefits² While on Hajj or Umrah You will receive double coverage i.e. takaful benefit amount, in the unfortunate case of your death or total and permanent disability (TPD) while performing your Hajj or Umrah. Badal Hajj In the event of your passing or suffering from total and permanent disability before you have the opportunity to perform Hajj, we will ensure your Hajj obligation is fulfilled by paying your nominee or a third party to perform Badal Hajj for you. Critical Illness Benefits We will provide you with a part of your basic coverage amount as a financial assistance if you are diagnosed with a covered critical illness. Futhermore, we will also ensure that your protection and savings in the plan will continue as the takaful contributions will be paid continuously for you. This cover is optional for this plan. Islamic Will Writing We will arrange for you basic Islamic Will Writing service managed by Amanah Raya Berhad. This service is optional.

¹Loyalty bonus is non guaranteed benefit and subject to terms and conditions. There is waiting period of 5 years before you are eligible for the benefit. ²A waiting period of 3 years is applicable.