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SmartSaver300 is the amount that you must first pay regardless of the total cost of eligible benefits (excluding the cost of daily room & board). In the case of a SmartSaver300, you will have to pay the first RM300 of the total cost of eligible benefits (excluding the cost of daily room & board). The remaining balance of eligible benefits will be covered by the Tabarru` Fund up to the annual and lifetime limits, subject to reasonable and customary charges.

 

Co-Takaful is the amount that you must first pay regardless of the total cost of eligible benefits (excluding the cost of daily room & board). You shall pay a Co-Takaful of 10% (subject to a minimum and a maximum of Co-Takaful amount) of the total cost of eligible benefits (excluding the cost of daily room & board). The remaining balance of eligible benefits will be covered by the Tabarru` Fund up to the annual and lifetime limits, subject to Reasonable and Customary Charges.

 

Please refer to your certificate document for more details.

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What is Takaful and how does it work?

“Takaful” means 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. Takaful is an Islamic insurance concept which adheres to ethics and transparency of Shariah guidelines that prohibit uncertainty (Gharar), gambling (Maisir) and interest (Riba). The word Takaful is derived from the Arabic verb Kafala, which means to guarantee, to help or to take care of one’s needs. Each covered participant contributes on the basis of Tabarru’ (charitable) into a fund together with the contribution of other participants that will be used to support each other in times of need.
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What does Medical and Health Takaful cover?

Medical and Health Takaful (MHT) is designed to reimburse the cost of private medical treatment, which can be very expensive, especially with hospitalisation and surgery. There are different types of medical plans available in the market, such as hospitalisation and surgical plans or critical illness plans: Hospitalisation and surgical Takaful plan generally covers your room and board in the hospital, laboratory fees, use of special facilities, nursing care, and certain medicines and supplies. Critical illness plan is typically where the protection is made of a lump sum cash payment to the person covered if he or she is diagnosed with one of the critical illnesses listed in the certificate. For more information, please visit www.prubsn.com.my for our full range of medical products. Alternatively, you can speak to your Takaful Consultant or your Bank or PruBSN sales representative. They would be able to help you determine the right plan to suit your needs and budget.
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If I am admitted to a hospital, what should I do?

What happens when you require hospitalisation? Do you know how to make the most of your PruBSN certificate when you are in such a situation? Don’t worry, we’ve got your back. Our Hospital Alliance Services (HAS) is a value-added service to facilitate Takaful claims for our medical participants, at no extra charge. Here is how it works: Quick Guide Hospital Admission Discharge
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What is the Schedule 2?

The Schedule 2 that you receive contains details of the revision and a summary of the projected Tabarru` deductions. It forms part of your existing Certificate upon the respective effective date(s) indicated and supersedes the provisions in the existing schedule(s). It is important for you to note that if any part of your Certificate in connection with the provisions in the Schedule 2 varies after the date of the Schedule 2 but before your certificate anniversary date, the provisions in this Schedule 2 will not apply.
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How often should I review my certificate? And why?

We encourage you to review your Takaful coverage at least once a year. This is because as you progress in life, your needs and priorities may change over time; and with healthcare costs consistently outpacing inflation, it is all the more important to ensure that you are always adequately protected.
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Contact us at 03-2053 7080 (Monday-Friday, 8.30am – 5.15pm, excluding Public Holidays) or email us at customer@prubsn.com.my