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If you are admitted to a hospital, PruBSN provides Hospital Alliance Services (HAS) which pre-authorises the eligible medical claims incurred at any of our panel hospitals.

HAS is a value-added service to facilitate Takaful claims for our medical participants, at no extra charge. Please refer to this guide on how it works:
A quick guide to HOSPITAL ADMISSION & DISCHARGE

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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.
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What is the Supplementary Schedule that attached in the Notification Pack about?

The Supplementary Schedule contains details of the revision on your contribution and / or Tabarru` deduction as well as the allocation and Wakalah charges. It forms part of your existing Certificate Schedule 2 upon the respective effective date(s) indicated and supersedes the provisions in the existing schedule(s) where relevant.
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What does SmartSaver, Deductible or Co-Takaful mean?

SmartSaver is the amount that you must first pay regardless of the total cost of eligible benefits per disability (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 per disability (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.
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How often should I review my certificate? And why?

In view of annual increase in health care costs that is consistently more than inflation, we encourage you to review your Takaful coverage at least once a year. This is because as you progress in life, your protection needs and priorities may change over time. Hence, it is important to ensure that you are always adequately protected.
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Contact us at 03-2742 4060 (Monday-Friday, 8.30am – 5.15pm, excluding Public Holidays) or email us at customer@prubsn.com.my