SII GROUP ASIA20262026Prepared ByTOTAL CARETOTAL CAREMedicMedicWITH LEVEL CONTRIBUTION
C O N T E N T010102020303Executive Summary Executive Summary112244Why Prudential BSN Takaful Why Prudential BSN TakafulSII Group Asia (SGA) SII Group Asia (SGA)WhySII Group Asia (SGA)? Agency Leader Company Profile Team Achievements Approval Letter Headditional Annual Limit WhySII Group Asia (SGA)? Agency Leader Company Profile Team Achievements Approval Letter Headditional Annual LimitBenefits of Medic Totalcare Plan 200 Benefits of Medic Totalcare Plan 2000404070705050606What is Medic TotalCare Plan 200? What is Medic TotalCare Plan 200?Smart Saver 300Smart Saver 3001010161613131414Waiting PeriodWaiting PeriodExclusionExclusion080809091010171718181919Contribution Payment Range Contribution Payment RangeStep-up Vs. Levelling Plan Step-up Vs. Levelling PlanOther Benefit Medic Totalcare Plan 200 Other Benefit Medic Totalcare Plan 200
EXECUTIVE SUMMARYEXECUTIVE SUMMARY PURPOSE OF MEDICAL COVERAGE FOR KMI KUALA TERENGGANU SPECIALIST IMPACT ON THE COMPANY 1 2 As healthcare professionals dedicate themselves to caring for others, it is equally important that they receive adequate financial burden on employees and their families, making access to quality medical coverage an essential employee benefit. Provides employees with maximum benefits, more affordable contribution payments during old age, and free medical card protection for staff in the event of critical illness. 01 1 OVERALL PROPOSAL SUMMARY:
Trusted & Established Brand PruBSN has been operating in Malaysia since 2006, backed by the Prudential group and Bank Simpanan Nasional. Built on Trust & Reliability Its brand positioning focuses on trust, reliability and protecting what matters most. Strong Focus on Customers PruBSN states its mission is to deliver innovative, Shariah-complian solutions that safeguard customers’ and communities’ financial futures. Comprehensive Protection Solutions Solutions cover areas such as health, protection and wealth, allowing customers to plan according to different stages of life.WHY PRUDENTIAL BSN TAKAFUL WHY PRUDENTIAL BSN TAKAFUL 02 2 AS YOUR TAKAFUL COMPANY? Shariah-Compliant Protection PruBSN provides solutions based on Takaful principles such as Ta’awun (mutual assistance) and the Tabarru’ fund.
WHY SII GROUP ASIA (SGA) WHY SII GROUP ASIA (SGA)03 4 AS YOUR TAKAFUL ADVISOR? Experienced in managing Takaful medical card policies for KMI Kuantan Medical Centre staff since 2022. Successfully assisted KMI staff with their Takaful claims, including cancer- related claims and other medical claims. Familiar with the healthcare sector and the specific protection needs of medical centre staff. Providing continuous support throughout the policy journey — from consultation and policy management to claims assistance. PROVEN EXPERIENCE PERFORMANCE Successfully processed our staff’s claims, which were approved smoothly, as well as various other staff claims. “Recognised as the No. 1 Group in East Coast , reflecting our strong performance, consistent growth, and commitment to delivering excellence in Takaful advisory services.” INSURANCE COVERAGE MANAGEMENT Has a system in place to manage our staff’s insurance coverage.
AGENCY LEADERAGENCY LEADER 03 5 SITI NUR AIN BINTI ZAMRISITI NUR AIN BINTI ZAMRIPRUDENTIAL UNIT MANAGER 2 EDUCATION EXPERIENCE CONTACT PruBSN Takaful Consultant My former experience in health and medical has opened my eyes on how important insurance is, and every single life is matter and deserve to get the best health care regardless the cost. With that I want to help as many as I can to provide the best financial protection. Diploma In Pharmacy Masterskill University College And Health Kuala Lumpur 20092009 Kuantan Medical Centre 2009 - 2018 Assistant Pharmacist 2014-Current 2014-2018 2018-2021 2021 2022 Prudential BSN Takaful Parttime Agent Fulltime Agent Unt Manager 1 Unit Manager 2 Takaful Consultant 013-320 1214 sitinurain353@prupartner.com.my Siti Nur Ain Zamri Prudential Lot A3 First Floor, Kuantan Perdana, Jalan Tun Ismail, 25000 Kuantan Pahang
COMPANY PROFILECOMPANY PROFILE03 6 ABOUT US SII Group Asia is an agency group operating under Prudential BSN Takaful, committed to raising public awareness and providing financial protection based on the Takaful concept to the community. Since 2022, SII Group Asia has been officially appointed as the Takaful agent for staff of KMI Healthcare, providing advisory services and financial protection planning to support the welfare and financial security of KMI employees.
TEAM ACHIEVEMENTSTEAM ACHIEVEMENTS 03 7 SII GROUP ASIA2022 - NO.32025 - NO.22024 - NO.12024 - NO.12023 - NO.22026 - CURRENT853,4981345,0871544,0961544,0961366,296536,463KUANTAN-KEMAMANKUANTAN-KEMAMANKUANTAN-KEMAMANKUANTAN-KEMAMANKUANTAN-KEMAMANKUANTAN-KEMAMAN 03
APPROVAL LETTERAPPROVAL LETTER 03 8 PAYMENT LETTER100,000.00100,000.00( 0.00 )100,000.00Kindly be advised that the instalment amount or contribution remain unchanged and kindly continue to service your contribution instalment to keep the certificate inforce. Your acceptance of this payment will serve as your valid receipt for the payment of all claims and demands whatsoever against us under this certificate and as your unqualified acknowledge that we are released from any further liability under the certificate. If you receive multiple claim payment for the same claim, you must promptly notify PruBSN in writing and refund the excess amount paid by PruBSN, to PruBSN within 7 days from the date of notification of the claim payment and is subject to PruBSN recovery policy.We would like to highlight that Takaful is an arrangement based on mutual assistance. Takaful participants contribute to a common fund (Tabarru’ fund/Mutual Assistance fund) to provide mutual financial benefits, which is payable to the takaful participants or their beneficiaries on the occurrence of pre-agreed (claimable) events. In relation to that, the payment of your claim is a demonstration of the mutual assistance from your fellow takaful participants.Thank you for allowing us to be of service.PRUDENTIAL BSN TAKAFUL BERHAD (740651-H) Note:(No signature is required on this computer generated document.) CC: NIK AFIEZA BINTI CHE AZHAR (SII00033) KUANTANWe have credited the payment for the amount of MYR 100,000.00 into the bank account specified by you and the successful credit of the same will serve as your valid receipt of the full and final payment of the said claim under the Certificate of the amount paid by us.Our Ref DateDear Sir/Madam,Certificate Number Claim Number Participant Person Covered NRIC NumberIn consequence of the above,NUR RASYIDA BINTI RAMLY NO 2037 A KAMPUNG KUALA AKOB 21700 KUANTAN PAHANG: Claims/26197886/104815081 : 30/07/2026: 89195145 : 26197886 :NUR RASYIDA BINTI RAMLY :NUR RASYIDA BINTI RAMLY : 941109115376Net TotalGross AmountLess IndebtednessMYRMYRMYRWe would like to thank you for submitting the necessary documents in respect of the above claim. We are pleased to inform that we have admitted liability on this claim and as the manager of your Takaful Plan, we shall proceed to process the claim payment, which includes the takaful coverage from the Tabarru` Fund (Mutual Assistance Fund). The amount of benefit payable is as follows:Certificate No Crisis Protector:89195145MYR61901036RESTRICTEDCritical Illness Claim Successfully Processed Staff Claims
HEADDITIONAL ANNUAL LIMIT HEADDITIONAL ANNUAL LIMIT 03 9 APPROVAL LETTER 03Thank you for allowing us to be of service. PRUDENTIAL BSN TAKAFUL BERHAD (740651-H) Note: (No signature is required on this computer generated document)CC: NIK AFIEZA BINTI CHE AZHAR SII00033 KUANTANOur Ref DateDear Sir/Madam,Certificate No. Participant Person Covered NRIC: :: : : :NUR RASYIDA BINTI RAMLYClaims/26197886 30/07/202689036296 NUR RASYIDA BINTI RAMLY NUR RASYIDA BINTI RAMLY 941109115376Medical Claim: Additional Annual LimitWe would like to thank you for submitting the necessary documents in respect of the above claims. We are pleased to inform that we have increase the additional annual limit on this certificate.The increase amount is as follows;Certificate Number 89036296Plan Name Medic Total Care (Level) MYR 200,000 Plan 200 SmartSaver300 Medic TotalCare -Step Up 80 Plan 200 SmartSaver300Additional Annual LimitNew Annual Limit MYR 400,00090254985MYR 200,000MYR 400,000Should you require further assistance, please do not hesitate to contact our Customer Service representative at:Phone: 03-2775 7188(Mon – Fri, 8.30am – 5.15pm): customer@prubsn.com.myNO 2037 AKAMPUNG KUALA AKOB 21700 KUANTAN PAHANGRESTRICTED61805024 Successfully Processed Staff Claims
WHAT IS MEDIC TOTALCARE PLAN 200? WHAT IS MEDIC TOTALCARE PLAN 200?04 10Total Contribution payable for this plan will vary in the future years since the contribution for Medic TotalCare is structured to vary every 3 annex years
11 01 02 ANNUAL LIMITRM200,000 LIFETIME LIMIT No Lifetime Limit 03 IN-PATIENT CARE BENEFITS Hospital Daily Room and Board (maximum 150 days per rider year) RM200 Per Day RM200 Per Day Intensive Care Unit (ICU) / Cardiac Care Unit (CCU) (maximum 150 days per rider year) Surgical Procedure and Treatment In Hospital and Related Services, including: In-hospital Specialist Visit Daily Guardian Care Ambulance Fee As ChargedAs Charged RM2,000 Per DisabilityRM2,000 Per DisabilityAs ChargedAs Charged Day Surgery Home Nursing Care (maximum 180 days per lifetime) Pre-Hospitalisation Treatment within 120 days immediately before hospitalisation) Post-Hospitalisation Treatment (within 120 days immediately after hospitalisation) Outpatient Dengue and Infectious Disease Treatment: Dengue Fever Measles Chikungunya Fever Hand, Foot and Mouth Disease Influenza 04 OUT-PATIENT CARE BENEFITS BENEFITS OF MEDIC TOTALCARE PLAN 200 BENEFITS OF MEDIC TOTALCARE PLAN 200 04
12 BENEFITS OF MEDIC TOTALCARE PLAN 200 06 07 EMERGENCY CARE BENEFITS EXTENDED CARE BENEFITSRM300 Per Rider YearRM300 Per Rider YearReimbursement for Vaccination: Vaccinations for Hajj/Umrah COVID-19 Flu - Influenza Hepatitis B Hepatitis A ShinglesIntraocular Lens, including: Multifocal lensRM6,000 Per LifetimeRM6,000 Per LifetimeRM6,000 Per LifetimeRM6,000 Per LifetimeGovernment Hospital AllowanceRM1,500 Per RiderYearRM1,500 Per RiderYearYesYesWorldwide Emergency Medical AssistanceEmergency Outpatient Treatment for Accidental Injury 05 MAJOR ILLNESS CARE BENEFITSOutpatient Kidney Dialysis Treatment Outpatient Cancer Treatment, including: Cancer Remission Follow-up CareRM1,000,000 Per LifetimeRM1,000,000 Per LifetimeRM200,000RM200,000Additional Annual Limit for: Cancer Heart Attack; Kidney Failure RM100 Per Day (up to RM1,000 per rider year and RM10,000 per lifetime) RM100 Per Day (up to RM1,000 per rider year and RM10,000 per lifetime)Treatment Allowance for: Chemotherapy Radiotherapy Kidney Dialysis Post Heart Attack Follow-Up 04
WAITING PERIODWAITING PERIOD 05 13 CONTRIBUTION WAIVER BENEFITCONTRIBUTION WAIVER BENEFIT COVERAGE Medical benefits coverage begins immediately on acceptance of the proposal for hospitalisation, surgery or disability caused by accidents, the coverage only begins: WAITING PERIOD COVERAGEWAITING PERIOD COVERAGE 180 DAYS180 DAYS 365 DAYS365 DAYS 365 DAYS365 DAYS 120 DAYS120 DAYS 30 DAYS30 DAYS 120 DAYS120 DAYS After the effective date of the rider or the date it is revived for any other causes After the effective date of the rider for Specified Illnesses After the effective date of the rider or the date it is revived for Additional Annual Limit for : Heart Attack Kidney Failure Treatment Allowance After the effective date of the rider or the date it is revived for Mental Care Treatment (if applicable) After the effective date of the rider or the date it is revived for Reimbursement for Vaccination (if applicable) After the effective date of the rider or the date it is revived for Maternity Complications (if applicable) 2 YEARS CONTESTABLE PERIOD2 YEARS CONTESTABLE PERIOD2 YEARS CONTESTABLE PERIODFor suspicious medical claims made within the first 2 years of the takaful certificate, Prudential BSN Takaful will conduct further investigation into the illness. This is to ensure that the claim is valid and not related to any pre-existing illness before the medical card coverage started.
14 EXCLUSIONEXCLUSION 06 (WHAT IS NOT COVERED BY YOUR MEDICAL BENEFITS) IMMEDIATE (0 - 120 DAYS)IMMEDIATE (0 - 120 DAYS) LIFESTYLE & SELECTIVELIFESTYLE & SELECTIVE SPECIFIC TIMELINESSPECIFIC TIMELINES FIRST 30 DAYSFIRST 30 DAYS Pre-existing Conditions Specified Illnesses: Vaccination & Maternity: 365 Days Mental Care: 180 Days Cosmetic Surgery Vision Routine Exams Dental (except due to accidents) Cosmetic Surgery Vision Routine Exams Dental (except due to accidents) Waiting Period: Medical or physical conditions, insect bites, and worm infestation within the first 30 days (accidents are excepted). Hypertension (Darah tinggi) Growths (Ketumbuhan) Stones (Batu karang) ENT (Masalah telinga, hidung, dan tekak) Hernias (Angin pasang) Reproductive (Sistem pembiakan) Spine/Knee (Tulang belakang/Lutut)
06 15 EXCLUSION (WHAT IS NOT COVERED BY YOUR MEDICAL BENEFITS) EXCLUSION GENERAL SITUATIONSGENERAL SITUATIONS LIFESTYLE CHOICESLIFESTYLE CHOICES EXTERNAL FACTORS ACCIDENTSEXTERNAL FACTORS ACCIDENTS OTHER EXCLUSIONSOTHER EXCLUSIONSOTHER EXCLUSIONS MEDICAL LIMITSMEDICAL LIMITS Bed Rest Illegal Drugs Sterilization STDs, AIDS/HIV Military / Conflict Security Threat Radiation / Radiated Non-Medical services Sleep/Snoring disorders Stem Cells Alternative Therapies Donor expenses Non-Medical services Sleep/Snoring disorders Stem Cells Alternative Therapies Donor expenses Racing Hazardous Sports Aerial Flights (except as a regular crew member or passenger) Racing Hazardous Sports Aerial Flights (except as a regular crew member or passenger) Pregnancy Congenital Deformities Experimental Surgery
16 WHAT IS SMARTSAVER 300?SMARTSAVER 300? These are deductible options. In insurance terms, a deductible is an initial amount you agree to pay out of your own pocket before the insurance company (PruBSN) covers the rest. SMART SAVER 300SMART SAVER 300 07
RM 141 RM 117 RM 151 RM 144 RM 175 RM 216 RM 337 20 25 30 35 40 45 55 RM 131 RM 146 RM 178 RM 219 RM 343 RM 119 RM140 AGEAGE W O M E N M E N17 CONTRIBUTION PAYMENT RANGE CONTRIBUTION PAYMENT RANGE 08 Non-smoker Occupation class : 2 Non-smoker Occupation class : 2 CATEGORYCATEGORY
18 INCREASE DUE TO INFLATION M A X I M U M C O V E R AG E P E R I O D WAIVER (CONTRIBUTION WAIVER) Periodic premium increases according to the plan schedule, and also when medical inflation occurs. Yes Yes Up to 70 years old None Available Up to 100 years old More stable premium (level), but can still increase when medical inflation occurs. S T E P - U P P L A N L E V E L P L A N CONTRIBUTION STRUCTURE Table 1: Comparison table of Step-Up Plan VS Level Plan STEP-UP VS. LEVELLING PLAN STEP-UP VS. LEVELLING PLAN 09 COMPARISON TABLE
19 FUNCTION OF THIS BENEFITFUNCTION OF THIS BENEFIT CONTRIBUTION WAIVER BENEFITCONTRIBUTION WAIVER BENEFITCOVERED CRITICAL ILLNESSESCOVERED CRITICAL ILLNESSES4242 Future contributions are waived upon diagnosis of a covered critical illness. Future contributions are waived upon diagnosis of a covered critical illness. To prevent policy lapse during illness. To ensure continuous coverage when treatment is needed. To ease the financial burden when income is affected. To prevent policy lapse during illness. To ensure continuous coverage when treatment is needed. To ease the financial burden when income is affected. 11 1. Stroke 2. Heart Attack 3. Kidney Failure 4. Cancer 5. Coronary Artery Bypass Surgery 6. Serious Coronary Artery Disease 7. End-Stage Liver Failure 8. Fulminant Viral Hepatitis 9. Coma 10. Benign Brain Tumour 11. Paralysis Of Limbs 12. Blindness 13. Deafness 14. Third Degree Burns 15. HIV Infection Due To Blood Transfusion 16. Occupationally Acquired Human Immunodeficiency Virus (HIV) Infection 17. Full-Blown AIDS 18. End-Stage Lung Disease 19. Encephalitis 20. Major Organ / Bone Marrow Transplant 21. Loss Of Speech 1. Stroke 2. Heart Attack 3. Kidney Failure 4. Cancer 5. Coronary Artery Bypass Surgery 6. Serious Coronary Artery Disease 7. End-Stage Liver Failure 8. Fulminant Viral Hepatitis 9. Coma 10. Benign Brain Tumour 11. Paralysis Of Limbs 12. Blindness 13. Deafness 14. Third Degree Burns 15. HIV Infection Due To Blood Transfusion 16. Occupationally Acquired Human Immunodeficiency Virus (HIV) Infection 17. Full-Blown AIDS 18. End-Stage Lung Disease 19. Encephalitis 20. Major Organ / Bone Marrow Transplant 21. Loss Of Speech 22. Brain Surgery 23. Heart Valve Surgery 24. Terminal Illness 25. Loss Of Independent Existence 26. Bacterial Meningitis 27. Major Head Trauma 28. Chronic Aplastic Anemia 29. Motor Neuron Disease 30. Parkinson's Disease 31. Alzheimer's Disease / Severe Dementia 32. Muscular Dystrophy 33. Surgery To Aorta 34. Multiple Sclerosis 35. Primary Pulmonary Arterial Hypertension 36. Medullary Cystic Disease 37. Cardiomyopathy 38. Systemic Lupus Erythematosus With Severe Kidney Complications 39. Progressive Scleroderma 40. Chronic Relapsing Pancreatitis 41. Poliomyelitis 42. Apallic Syndrome 22. Brain Surgery 23. Heart Valve Surgery 24. Terminal Illness 25. Loss Of Independent Existence 26. Bacterial Meningitis 27. Major Head Trauma 28. Chronic Aplastic Anemia 29. Motor Neuron Disease 30. Parkinson's Disease 31. Alzheimer's Disease / Severe Dementia 32. Muscular Dystrophy 33. Surgery To Aorta 34. Multiple Sclerosis 35. Primary Pulmonary Arterial Hypertension 36. Medullary Cystic Disease 37. Cardiomyopathy 38. Systemic Lupus Erythematosus With Severe Kidney Complications 39. Progressive Scleroderma 40. Chronic Relapsing Pancreatitis 41. Poliomyelitis 42. Apallic Syndrome OTHER BENEFITS TOTALCARE PLAN 200 OTHER BENEFITS TOTALCARE PLAN 200 10