PruBSN Cegah Famili

Simplified Underwriting
Answer only 3 simple health declaration questions with no medical examinations required.

Critical Illness Benefit
100% of the Sum Covered payable upon diagnosis of the 43 covered critical illnesses (including Cancer, Stroke, Heart Attack and many more).
Please refer to Product Disclosure Sheet for the full list of 43 Criticial Illnesses covered

Note: Payment of this benefit will reduce the Death Benefit.

Death Benefit
100% of the Sum Covered payable in the unfortunate event of your or any of your covered dependant(s) passing.

How do I submit claims?
Please refer to https://www.prubsn.com.my/en/how-to-claim/ on claim submission process.

What are the documents needed for claim?
Please visit PruBSN's website at https://www.prubsn.com.my/en/how-to-claim/ for more details on the lists of documents required for claims submission.

How long will it take to process a claim?
Upon receiving the complete documents, the claim payment will be processed within 13 working days 

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 certificate benefits can be paid out by PruBSN without any 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 to distribute it in accordance to the applicable laws of distribution. The process may take a while.

It is important for you to inform your nominee about the certificate benefits and nomination.

Who can I nominate for my certificate?
The nominee has to be an individual. Nomination of an organization is not allowed.

If your nominee is below the age of 19 at the point of claim, the benefits will be paid to the surviving parent or a proper claimant i.e. legal guardian, subject to the relevant legal evidence/supporting documents.

How to make a nomination?
You can make a nomination by completing the nomination form with a witness and submit it via the following channels or any other channel PruBSN may make available from time to time:

a. walk-in to any of the Prudential or PruBSN branches; or
b. e-mail to customer@prubsn.com.my.

The nomination form is available:

a. at Prudential or PruBSN Branches; or
b. on PruBSN corporate website at https://www.prubsn.com.my/.
c. in the welcoming email issued to you upon successful participation of this plan.

You may choose to cancel your certificate by walk-in to any of Prudential or PruBSN branches or email to customer@prubsn.com.my.

If you choose to cancel your certificate within 15 days from the date the covered member's certificate is delivered to you, PruBSN will refund the contribution paid by you for the cancelled covered member's coverage.

Please note that you will not be able to revive the certificate after you have cancelled it. This means you are no longer covered under the plan. If you decide to participate again, you will need to submit a new application for enrollment. Please carefully consider if cancelling the coverage is the best decision for you.

Upon successful application, you will receive the e-Certificate via email, which was provided during the application. Your will also be able to view the e-Certificate in PruBSN Touch.

The contribution payable may qualify for personal income tax relief, subject to terms & conditions of the Inland Revenue Board (IRB) of Malaysia.

The above is only a brief description of our product. For more information on PruBSN Cegah Famili, 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.

This is a yearly renewable group term takaful plan with Prudential BSN Takaful Berhad (PruBSN) as the master certificate holder.