PruBSN AnugerahMax Maximum Protection Greater Affordability The benefit(s) payable under eligible certificate is protected by Perbadanan Insurans Deposit Malaysia (“PIDM”) up to limits. Please refer to PIDM’s Takaful and Insurance Benefits Protection System (“TIPS”) Brochure or contact Prudential BSN Takaful Berhad or PIDM (visit www.pidm.gov.my). Prudential BSN Takaful Berhad 200601020898 (740651-H) Member of PIDM
Introducing PruBSN AnugerahMax Attaining Lifelong Peace of Mind Requires Maximum Protection. Enjoy lifelong protection, unparalleled medical coverage including hospitalisation, critical illness, accidental protection, superb flexibility, and the option to customise your plan with 18 optional benefits, at an affordable price. Your protection is priceless. With PruBSN AnugerahMax, enjoy not only maximum protection, but also unbeatable affordability. 1
Affordable Protection Choose the coverage you need according to your budget from as low as RM50 per month. Customisable Plan Go for the basics or get a comprehensive takaful plan. Tailor-make your coverage with various options and benefits to choose from. PruBSN AnugerahMax offers 1 2 3 4 Death and Disability Critical Illness Coverage Medical and Hospitalisation And much more PruBSN AnugerahMax Maximum Protection Beyond Limits Benefits Beyond Protection Enjoy benefits beyond protection with opportunities for investment as well as helping to fund microtakaful coverage for poor families in the community. Accidental Coverage #Terms and conditions apply. The plan's coverage (except for Crisis TotalCare, if attached) will continue up to age 100 or to each benefit’s maximum coverage term, whichever is earlier, provided that there is sufficient cash value for Tabarru` deduction and other charges. Additional contribution may be required to ensure sufficient cash value until the end of extension period. Maximised Coverage Maximise your coverage term with auto extension up to age 100#. 2
Get protected with Medic TotalCare, a comprehensive and modern medical plan that provides a wide range of hospitalisation and medical treatment coverage to take care of your healthcare needs, including extensive cancer coverage, advanced medical treatment and mental health care. Medic TotalCare is a flexible rider with various options to choose from, such as types of room and board, co-payment options and contribution options to suit your medical protection needs and affordability. Boost up your coverage limits with optional Medic BoostCare rider, which provides an additional RM1,000,000 overall annual limit, double up of lifetime limit for Outpatient Cancer Treatment as well as Outpatient Kidney Dialysis Treatment and much more. Medical & Hospitalisation Coverage For more details, please refer to PruBSN Damai brochure Plan: Contribution Structure: 150 200 250 300 400 Varies every 3 years (Step-up) / Level Optional: Medic BoostCare rider to maximise the coverage limits with additional RM1,000,000 annual limit Provides comprehensive and modern medical coverage Medic TotalCare 3
Prepare yourself with Crisis TotalCare, the comprehensive critical illness protection plan covering from early to late stage critical illnesses and other additional special conditions for a total of 166 conditions. Alternatively, get coverage for late stage critical illnesses with Crisis Protector/Crisis Shield or go for Cancer-focused coverage with Cancer Protector. Critical Illness Coverage PruBSN AnugerahMax Maximum Protection Beyond Limits Comprehensive coverage from early to late stage critical illnesses Includes a total of 166 conditions Covers special conditions such as mental health, diabetic related and joint related conditions Crisis TotalCare Crisis Protector / Crisis Shield Coverage for late stage critical illnesses Includes a total of 43 conditions Crisis Protector benefit payout does not reduce the basic sum covered whereas Crisis Shield benefit payout reduces the basic sum covered. Cancer Protector Coverage for early and late stage Cancer Early stage cancer coverage includes coverage for Carcinoma In-Situ, Early Prostate Cancer, Early Bladder Cancer and Early Chronic Lymphocytic Leukaemia. For more details, please refer to PruBSN Sinar brochure 4
Customise Your Protection Enhance your protection with a wide range of additional benefits to choose from: It gives complete protection from a modern medical package that includes advanced medical treatments and mental health treatments when you have: • Medic TotalCare Further enhance your medical protection by adding Medic BoostCare to enjoy wider coverage and get rewarded for staying healthy with No Claim Health Reward**. **Applicable for Plan 300 & Plan 400 only. Medical Obtain accidental death, disability and/or accidental related coverage: • Accidental Protector Plus – provides lump sum benefits • Accidental Medical Protector – provides medical reimbursements Accidental If something unexpected happens to you, make sure your child is taken care of when you have: • Parent Term Legacy Receive annual payouts after you have been diagnosed with a critical illness or TPD before the age of 70 when you have: • Income Protector You will receive the payment on the anniversary claim date until your expiry age or death, whichever is earlier. Income Critical Illness It gives peace of mind when you have comprehensive coverage for critical illnesses from early stage to late stage as well as other additional special conditions covering a total of 166 conditions: • Crisis TotalCare Ease your mind and focus on recovery when you receive a lump sum amount upon diagnosis of any covered 43 critical illnesses when you have: • Crisis Protector - benefit payout does not affect the basic sum covered • Crisis Shield - benefit payout reduces the basic sum covered by the same amount You will receive a lump sum amount upon the diagnosis of early-stage Cancer and Cancer when you have: • Cancer Protector 5
We will assist in paying your contributions in the event of death (if applicable), TPD or critical illness of yourself or your covered family members when you have: • Contributor Protect • Contributor Parent Saver • Contributor Saver • Contributor Spouse Protect • Contributor Parent Protect • Contributor Spouse Saver If more than one Contributor benefit is triggered at once, not only the Tabarru' Fund will asist you with the certificate contribution payment, but an amount equal to the Contributor benefits’ Sum Covered participated will be allocated into the certificate’s Investment Unit Account (IUA) with 100% allocation, allowing for more funds for you. Contributor Cultivate the habit of making regular savings, which will improve the value of your money’s worth with potential returns and increased cash value when you have Takaful Saver. Your contribution will be invested in Shariah-approved investment funds that you choose. For more details about the funds and the past performance of the funds, you may refer to the Fund Fact Sheet at www.prubsn.com.my. Savings & Investment Help the needy through our PruBSN Microtakaful Jariyah initiative when you add Ihsan to your plan. PruBSN Microtakaful Jariyah is one of PruBSN's initiatives that provides takaful protection to eligible poor and severely poor families. Donation through Ihsan 6
Main Product Features Entry Age Age 1 - 70 • Minimum: RM10,000 • Maximum: Subject to underwriting Basic Sum Covered Coverage Term • Choose to be covered for 5, 10, 20 years or until age 70, 80, 90 or 100. • Auto extension of coverage up to age 100 is applicable only if the coverage term selected is 20 years or until age 70, 80, or 90. • Auto extension of coverage is not applicable to Crisis TotalCare rider. Note: For coverage term of 10 years or until age 70, the maximum entry age is 60 years old. For coverage term of 20 years, the maximum entry age is 50 years old. Death Benefit In the event of death before expiry of the term, we will pay the higher of: • Basic Sum Covered; or • Total amount in the Individual Special Account (ISA); plus any value of units in the Investment Unit Account (IUA). In the event of TPD before expiry of the term or the age of 70, whichever is earlier, we will pay the Sum At Risk. Sum At Risk is the amount by which the Basic Sum Covered exceeds the ISA balance (if any). Total and Permanent Disability (TPD) Benefit EduAchieve Bonus^ Receive cash bonus upon excellent academic achievement in the Sijil Pelajaran Malaysia (SPM) examination up to Master’s or PhD level. EduAchieve Bonus is only for those who participate in the plan between age 1 and 18. Contribution Contributions for this plan are payable throughout the coverage term. The contribution is based on your selection of basic sum covered, optional benefits, coverage term and contribution frequency (monthly, quarterly, half-yearly or yearly). Contribution rate will vary according to entry age, gender, smoking status, occupational class, expiry age and health conditions (where applicable). ^Subject to terms and conditions. 7
Charges & Deductions Covers commissions, distribution-related expenses, and management expenses. The percentage shown below is based on contribution paid and for contribution term of 20 years or more. For contribution term less than 20 years, please refer to the Product Illustration. *The above Upfront Wakalah Charges are not applicable to Medic TotalCare, Ihsan and Takaful Saver. 1 2 3 4 5 6 7 - 10 >10 75% 60% 40% 5% every year 35% 20% 20% 10% 0% Certificate Year Takaful Saver PruBSN AnugerahMax and riders* Upfront Wakalah Charge Covers the administration cost of your certificate. The Wakalah Certificate Charge will vary based on the contribution payment method: Contribution Payment Method Contribution Frequency Monthly Quarterly Half-Yearly Yearly RM7 RM21 RM42 RM84 RM13 RM39 RM78 RM156 Recurring Payment Non-Recurring Payment (i.e. Cash/Cheque) Wakalah Certificate Charge Tabarru` deduction is deducted monthly from your Individual Special Account (ISA) into the Tabarru` Fund for your takaful coverage. The Tabarru` deduction for takaful coverage varies by attained age, gender, smoking status, occupation class, medical rating, and the Sum At Risk (where applicable). The Tabarru` deduction will generally increase as you grow older. Tabarru` deduction refers to a voluntary contribution by a participant in accordance with the Ta`awun arrangement. It relates to the portion of the participants’ contributions to the Tabarru` Fund during the coverage term. The Tabarru` deduction from the participants is placed and pooled together in a fund which is collectively owned by the participants. The fund is used to pay all the claims in accordance with the agreed benefits under the plan on the basis of mutual aid and assistance. We may revise the Tabarru` deduction, subject to notification being made to the participant. Tabarru` Deduction 8
The following charges are applicable if you attach Takaful Saver. This is charged on a daily basis from your Investment Unit Account (IUA) account value. For more details, please refer to the Fund Fact Sheet. Asset Management Wakalah Charge Investment-Linked Funds Takafulink Dana Aktif Takafulink Dana Asia Takafulink Dana Sukuk Takafulink Dana Dinamik Takafulink Dana Ekuiti Dinasti Takafulink Dana Ekuiti Global Takafulink Dana Ekuiti Income Takafulink Dana Ekuiti Plus Takafulink Dana ESG Global Takafulink Dana Urus 1.50% p.a. 1.50% p.a. 0.50% p.a. 1.25% p.a. 1.50% p.a. 1.50% p.a. 1.50% p.a. 1.50% p.a. 1.50% p.a. 1.30% p.a. Asset Management Wakalah Charge Note: The additional charge of RM25 for Single Contribution Top-up, the Partial Withdrawal Wakalah Charge and the Fund Switching Wakalah Charge are currently waived until electronic transactions are made available. Any subsequent manual request via the branch will be subjected to the charges mentioned. There will be a 5% charge on every single contribution top-up. On top of that, there will be an additional charge of RM25 for every top-up. Single Contribution Top-Up Wakalah Charge There will be four free switches for IUA every year. For any subsequent switches within the year, the switch charge is set at 1% of the amount switched (subject to a maximum of RM50). Fund Switching Wakalah Charge RM25 will be charged for every request. Partial Withdrawal Wakalah Charge 9
Important NotesImportant Notes This brochure does not form a contract between you and Prudential BSN Takaful Berhad (PruBSN). For more details on this plan and its optional benefits, please refer to the Product Illustration, Product Disclosure Sheet, Fund Fact Sheet before participating in the plan and to refer to the terms and conditions in the certificate document for details of the important features of the plan. You should satisfy yourself that the plan serves your needs and that you can afford the contribution. The returns from your ISA and IUA (if applicable), if any, will be based on the actual performance of the funds and it is not guaranteed. The risk of investment is borne solely by you and the benefits may be less than your total contributions paid. PruBSN AnugerahMax is premised on a mutual assistance (Ta`awun) arrangement where a portion of your contribution is deducted and pooled into the Tabarru` Fund together with the contribution of other participants to provide for mutual financial benefits payable to all the eligible takaful participants. Based on the Wakalah bi al-ujrah principles, PruBSN will manage your takaful plan in return for the Wakalah charges stated above. In addition, the Mudarabah concept is applied which allows any investment profit arising from the ISA to be shared between PruBSN and yourself. You will receive 80% of the investment profit, while PruBSN will receive the balance of 20%. Your share of the profit will be placed back into your ISA. If there is an investment loss arising from the ISA, in line with Mudarabah concept, the loss will be borne by you, provided that the loss is not caused by our mismanagement or negligence. You are entitled to receive any distributable surplus from the Tabarru` Fund inclusive of investment profit (if any). Together with other participants, you are entitled to 50% of the surplus and PruBSN will receive the balance of 50% as performance fee for managing the Tabarru` Fund. Your portion of the distributable surplus will be placed back into your ISA. The exact amount of distributable surplus will be determined annually and is subject to approval by both the Shariah Committee and the Board of Directors of PruBSN. Contributor benefits will pay total contribution upon death, TPD or critical illness of yourself or your family members, where applicable, during the contribution payment term of the certificate and the amount of benefit is as set out in the takaful certificate document. In the event of contribution or charges revision affecting total contribution in the future, you are expected to pay additional top-up contribution(s) so as to ensure the ISA and IUA values are sustainable throughout the coverage term. There is a free-look period of 15 days after the delivery of your certificate to allow you to review if it meets your needs. If the certificate is cancelled within this period, we will refund to you the amount left in your ISA, the value of your IUA units (if any) that have been allocated at unit price at the next valuation date, your Ihsan Contribution and any Wakalah Certificate Charge, Tabarru` deduction, and upfront Wakalah Charge that have been deducted, less medical expenses that we may have already paid or agreed to pay. If you cancel the certificate in the early years, you may not be able to obtain the full value from the amount you have paid to PruBSN. Once your certificate is surrendered, all benefits in the certificate will be terminated. 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 10
If you cease or miss paying contribution, your coverage might lapse prematurely. Your certificate will lapse if the amount in ISA and/or IUA is not enough to pay for the Tabarru` Deduction and other charges. PruBSN AnugerahMax does not provide any benefit amount from the Tabarru` Fund on lapsation, termination, expiry or maturity of the certificate. The contribution and Tabarru` rates and other charges are not guaranteed. PruBSN may revise the contribution, Tabarru` rates and/or other charges, by giving a written notice of 90 days and 30 days for medical and critical illness benefits respectively to the certificate owners. If there is increment to the Tabarru` rates, you may need to pay an additional contribution or top-up. Contributions for this plan are payable throughout the entire term of this certificate. If you switch your current medical plan with another or from one provider to another, you may be subject to new underwriting requirements and waiting periods for the new plan. Any age reference shall be on the basis of Age Next Birthday. For PruBSN AnugerahMax, you may claim relevant insurance tax relief subject to the terms and conditions of the Inland Revenue Board of Malaysia. In the event of any conflict or inconsistency between the English and Bahasa Malaysia versions of the brochure and for the purpose of interpretation and construction, the English language version of the brochure shall prevail and be given effect to. Note: More details of the coverage and benefits of the optional benefits can be found in the Product Disclosure Sheet and Product Illustration which should be read carefully before you decide to take up the plan. 11. 12. 13. 14. 15. 16. 17. 11
Exclusions PruBSN AnugerahMax does not cover any of the following situations: The exclusion and limitations stated above are not exhaustive and you should refer to the certificate document for further information. Death caused by suicide within first year from the effective date of the certificate or date of certificate revival. TPD which is directly or indirectly caused by: i. Attempting suicide or self-inflicted bodily injuries while sane or insane; ii. Committing or attempting to commit a criminal offence by the Covered Person; iii. Drugs or stimulators abuse, or their complications; iv. War or aggressive acts, including invasions, acts of foreign countries, enemy’s acts (whether with or without war declaration), civil wars, insurrections, revolutions, riots, interference by military authorities or usurpation; v. Engaging in professional sports, scuba diving, racing of any kind, aerial flights other than as a crew member of or as a fare-paying passenger on a licensed passenger carrying commercial aircraft operating on a regular scheduled route or any dangerous activities or sports (including bungee jumping, hang-gliding, ballooning, parachuting and sky-diving), unless PruBSN agree in a special endorsement; vi. Any pre-existing conditions that were not disclosed to PruBSN in relation to the Covered Person's health status; or vii. Any congenital disorder, birth trauma and its residual complications, for a certificate or annex approved while the Covered Person is still in the womb. 1. 2. 12
What is Takaful? An arrangement based on mutual assistance under which takaful participants agree to contribute to a common fund providing for mutual financial benefits payable to the takaful participants or their beneficiaries on the occurrence of pre-agreed events. Section 2(1) of the Islamic Financial Services Act 2013 Mutual Assistance Mutual Protection from Losses Mutual Responsibility Takaful is derived from Arabic word ‘kafala’ which means “Joint guarantee” or guaranteeing each other. Takaful literally means responsibility, guarantee, collective assurance and mutual undertaking. Broadly speaking, takaful is founded on the cooperative arrangement (Ta’awun) based on principles of mutuality and solidarity, encompassing the elements of joint indemnity and common interest. There are three (3) aspects of mutuality embodied in takaful, namely mutual help/assistance, mutual responsibility and mutual protection. When a person participates in a takaful scheme, he does not only seek protection for himself but also jointly cooperates with other participants to mutually contribute to one another for the agreed covered events. In essence, takaful is based on the principle of “Ta’awun” (mutual cooperation / assistance) as such the act of participation is Tabarru` at (charitable) in nature. 13
All information is correct at the time of publication. Published July 2024. Level 13, Menara Prudential, Persiaran TRX Barat, 55188 Tun Razak Exchange, Kuala Lumpur. SMS PruBSN and send to 33080 Important: You must ensure that you are satisfied that this plan will best serve your needs and that the contribution payable under the certificate is an amount that you can afford. (Company No. 200601020898 (740651-H)) PruBSN AnugerahMax is a Shariah-compliant product. Prudential BSN Takaful Berhad is a registered Takaful Operator under the Islamic Financial Services Act 2013 and is regulated by Bank Negara Malaysia. For more information/enquiries, please contact: 14