Disclaimer

This brochure is a brief description only. For exact details of terms and conditions, please refer to your certificate document. You should satisfy yourself that this product will serve your needs and that the contribution payable under the certificate is an amount you can afford.

PruBSN Pelindung

PruBSN Pelindung

How does Takaful Pelindung work for me?

This is a yearly renewable Takaful Personal Accident plan that ensures you are secured through trying periods in your life.

Am I eligible for the Takaful Pelindung Plan?

You are eligible if you are between 18 to 65 years old.

How much is the contribution that I have to pay?

The amount of contribution will depend on the selected plan and the classification of your occupation. You are also required to pay RM10 for the stamp duty of the certificate.

What are the basic benefits of this Plan?

Accidental Death (AD) & Permanent Disablement (PD): Should AD or PD occur, the sum covered specified in the benefit schedule in accordance with the scale of benefits listed below will be paid. Medical Expenses: We will pay reimbursement based on the actual medical and surgical expenses that do not exceed the amount specified on the benefit schedule below. The medical treatment must be administered by a qualified registered medical practitioner within 12 calendar months after the date of the accident (provided that the first expense is incurred within 26 weeks after the date of the accident). Compassionate Allowance: Should AD occur, a total up to RM2,000 will be paid. Repatriation Expenses: We will pay reimbursement for cost incurred to send the Covered Person’s mortal remains back to Malaysia or his/her country of origin in the event of AD. The reimbursement will be based on the actual repatriation expenses up to RM5,000. Benefit Schedule Plan Accidental Death & Permanent Disablement (AD/PD) Medical Expenses (ME) Compassionate Allowance Repatriation Expenses A 35,000 350 2,000 5,000 B 60,000 600 2,000 5,000 C 100,000 1,000 2,000 5,000 Notes: 1. Child benefits (if elected) a. AD/PD is 20% of the participant’s sum covered and 100% for other benefits b. Non-working children aged 12 months to 18 years old (irrespective of the number of children) c. Weekly benefit is not applicable to children. 2. The benefits for spouse are 100% of the participant’s amount.

What are the additional benefits that I can add to this Plan?

Disappearance due to accident (after one year) Exposure to natural elements Natural perils like tsunami, earthquake, flood, lightning, windstorm and landslide Unprovoked murder and assault Accidental drowning or accidental suffocation Accidental food and drinks poisoning Unprovoked and accidental animal or insect bites

What are the major exclusions?

War risk Nuclear weapon or nuclear related risk Travelling in an aircraft as a pilot or a member of the crew Travelling in a helicopter Pre-existing physical or mental defects or infirmity Childbirth, miscarriage and pregnancy risk Insanity, suicide or attempted suicide Committing or attempting to commit unlawful act Participating in any professional sports Terrorism risk

What is meant by surplus sharing?

You are entitled to a share of the surplus (if any) as long as you haven’t made any claim during the Takaful period. The surplus will be allocated to you by providing a rebate to you when you renew your coverage. The basis of the rebate will be determined by PruBSN Takaful in an equitable way. At the end of each financial year, if there is an investment profit, this will be shared between the participant and the company at a 70:30 ratio respectively. Important: This brochure is a brief description only. For exact details of terms and conditions, please refer to your certificate document.