Prudential BSN Takaful

Contact Us

noreply@blogger.com (admin) — Fri, 02 Dec 2011 15:53:00 +0000

Mohd Yusoff Bin Radzi
Quality Agent

No.13, Tingkat 2,
Taman Sitiawan 1,
32000 Sitiawan Perak

Phone No: 05-6923021
019-5624521 / 019-5553136

Email : prudentialsbsn@gmail.com

The Contributor

noreply@blogger.com (admin) — Fri, 02 Dec 2011 15:43:00 +0000

The Contributor rider is designed to pay an annual benefit should the Participant be diagnosed to suffer from a critical illness before age 80. Payment of the annual benefit will cease upon death of the Participant.

Major Benefits

Benefits	Benefit is payable if the Participant is diagnosed to be suffering from a Critical Illness
Limitations	Only one claim under this Benefit can be made regardless of the number of Critical Illnesses diagnosed, except for full-blown AIDS

Indicative Contribution Rates

Annual contribution per RM100 contribution for a male non-smoker	Contributor
Aged 35	RM8.71
Aged 45	RM14.78

Important terms and conditions of the product

The Takaful Operator reserves the right to increase the contribution and Tabarru' at any time by giving a 90-day written notice to the Participant at the last known address. Contribution and Tabarru' revision shall only be effective at the next certificate anniversary date. Should the next certificate anniversary date fall within 90 days from the date of such notice, contribution and Tabarru' revision shall then be effective at the following certificate anniversary date.
You are to disclose in this proposal form (and in any personal statement made to the Takaful Operator or to the Medical Examiner of the Takaful Operator) fully and faithfully, all the facts which you know and ought to know, otherwise the certificate issued hereunder may be invalidated.
Exclusions
The benefits shall not be payable:

Spouse Contributor

noreply@blogger.com (admin) — Fri, 02 Dec 2011 15:42:00 +0000

Spouse Contributor is intended to assist the Participant with future contributions to the TakafulLink plan in the event of death, TPD before the age of 60, or diagnosis of a critical illness on the spouse of Participant. Payment of annual benefit will cease upon death of the Participant or upon reaching age 60.

Major Benefits

Benefits	Benefit is payable if the spouse of the Participant is diagnosed to be suffering from a Critical Illness; or has become totally and permanently disabled prior to attaining age 60; or has died
Limitations	Only one claim under this Benefit can be made regardless of the number of Critical Illnesses diagnosed, except for full-blown AIDS or if TPD occurs with Critical Illness

Indicative Contribution Rates

Annual contribution per RM100 contribution for Participant whose spouse is aged 35. Age of person covered:	Spouse Contributor
Aged 35	RM21.67
Aged 45	RM14.78

Important terms and conditions of the product

The Takaful Operator reserves the right to increase the contribution and Tabarru' at any time by giving a 90-day written notice to the Participant at the last known address. Contribution and Tabarru' revision shall only be effective at the next certificate anniversary date. Should the next certificate anniversary date fall within 90 days from the date of such notice, contribution and Tabarru' revision shall then be effective at the following certificate anniversary date.
You are to disclose in this proposal form (and in any personal statement made to the Takaful Operator or to the Medical Examiner of the Takaful Operator) fully and faithfully, all the facts which you know and ought to know, otherwise the certificate issued hereunder may be invalidated.
Exclusions
The benefits shall not be payable:

Parent Contributor

noreply@blogger.com (admin) — Fri, 02 Dec 2011 15:41:00 +0000

Parent Contributor is aimed to assist the Participant in the event of death, TPD before the age of 60, or diagnosis of a critical illness on the parent of the Participant. Payment of annual benefit will cease upon death of the Participant or upon reaching age 60.

Major Benefits

Benefits	Benefit is payable if the parent of the Participant is diagnosed to be suffering from a Critical Illness; or has become totally and permanently disabled prior to attaining age 60; or has died
Limitations	Only one claim under this Benefit can be made regardless of the number of Critical Illnesses diagnosed, except for full-blown AIDS or if TPD occurs with Critical Illness

Important terms and conditions of the product

The Takaful Operator reserves the right to increase the contribution and Tabarru' at any time by giving a 90-day written notice to the Participant at the last known address. Contribution and Tabarru' revision shall only be effective at the next certificate anniversary date. Should the next certificate anniversary date fall within 90 days from the date of such notice, contribution and Tabarru' revision shall then be effective at the following certificate anniversary date.
You are to disclose in this proposal form (and in any personal statement made to the Takaful Operator or to the Medical Examiner of the Takaful Operator) fully and faithfully, all the facts which you know and ought to know, otherwise the certificate issued hereunder may be invalidated.
Exclusions
The benefits shall not be payable:

Family Income Benefit

noreply@blogger.com (admin) — Fri, 02 Dec 2011 15:41:00 +0000

Family Income Benefit pays a monthly benefit to the family for 120 months should the covered person die. If the covered person is diagnosed to suffer from a critical illness before expiry of the term or TPD before age 70, the benefit will be payable to the Participant.

Major Benefits

Benefits

Benefit is payable monthly if the Covered Person dies, diagnosed to suffer from a critical illness or becomes totally and permanently disabled

Indicative Contribution Rates

Annual Contribution for a male non-smoker with 20 years term	For every RM100 of monthly income
Aged 35	RM84.29
Aged 45	RM216.13

Important terms and conditions of the product

The benefit will only cover death if the covered person has attained eighteen (18) years old.
The Takaful Operator reserves the right to increase the contribution and Tabarru' at any time by giving a 90-day written notice to the Participant at the last known address. Contribution and Tabarru' revision shall only be effective at the next certificate anniversary date. Should the next certificate anniversary date fall within 90 days from the date of such notice, contribution and Tabarru' revision shall then be effective at the following certificate anniversary date.
You are to disclose in this proposal form (and in any personal statement made to the Takaful Operator or to the Medical Examiner of the Takaful Operator) fully and faithfully, all the facts which you know and ought to know, otherwise the certificate issued hereunder may be invalidated.
At each anniversary of the disability date, the Participant shall
The Takaful Operator reserves the right to determine the frequency of such medical examination as it may reasonably require. If such proof is not furnished or if the Participant shall refuse or fail to submit to a medical examination when required to do so, this Benefit shall immediately cease on the date of such request by the Takaful Operator.

Limitations
You can only make one claim under this benefit regardless how many critical illnesses you are diagnosed with, except for the full-blown AIDS or a total and permanent disability that happens at the same time with a critical illness.

Exclusions

This benefit will not apply or be payable if such disability is directly or indirectly caused by:
The benefits shall not be payable:

Crisis Shield

noreply@blogger.com (admin) — Fri, 02 Dec 2011 15:40:00 +0000

Crisis Shield is designed to provide the lump sum payment to the Participant upon diagnosis of Critical Illness before age 80. This is paid in lieu of the basic sum covered and it will cease to be payable if any benefit is paid earlier under Disability Plus.

Major Benefits

Benefits

The benefit is payable upon diagnosis of a Critical Illness

Indicative Contribution Rates

Annual Contribution for a male non-smoker	For every RM1,000 sum covered
Aged 35	RM5.69
Aged 45	RM12.63

Important terms and conditions of the product

The Takaful Operator reserves the right to increase the contribution and Tabarru' at any time by giving a 90-day written notice to the Participant at the last known address. Contribution and Tabarru' revision shall only be effective at the next certificate anniversary date. Should the next certificate anniversary date fall within 90 days from the date of such notice, contribution and Tabarru' revision shall then be effective at the following certificate anniversary date.
You are to disclose in this proposal form (and in any personal statement made to the Takaful Operator or to the Medical Examiner of the Takaful Operator) fully and faithfully, all the facts which you know and ought to know, otherwise the certificate issued hereunder may be invalidated.

Limitations
Only one claim under this Benefit can be made regardless of the number of Critical Illnesses diagnosed, except for full-blown AIDS.

Exclusions
The benefits shall not be payable:

If the symptoms of the Critical Illness is manifested prior to or;
- Within sixty (60) days for Heart Attack, Coronary Artery Heart Disease requiring Surgery, Cancer or other Serious Coronary Artery Heart Disease of; or
- Within thirty (30) days for all other Critical Illness listed in the Glossary of Terms of
  - The date of this Certificate; or
  - The date of issue of this Annexure; or
  - The date of Revival; or
  - The date of Endorsement; or
  - The commencement date of the Benefit;

1.1

If the participant is diagnosed to have a Critical Illness that is caused directly or indirectly by the existence of Acquired Immune Deficiency Syndrome (AIDS) or the presence of any Human Immunodeficiency Virus infection. The exception is when AIDS is full-blown or is caused by blood transfusion.

Crisis Cover Income

noreply@blogger.com (admin) — Fri, 02 Dec 2011 15:39:00 +0000

Crisis Cover Income is designed to provide a regular instalment benefit upon diagnosis of a Critical Illness before age 80. It is payable annually for the remaining life of the Participant.

Major Benefits

Benefits

The benefit will be payable annually upon diagnosis of a Critical Illness

Indicative Contribution Rates

Annual Contribution for a male non-smoker	For every RM1,000 sum covered
Aged 35	RM8.71
Aged 45	RM14.78

Important terms and conditions of the product

The Takaful Operator reserves the right to increase the contribution and Tabarru' at any time by giving a 90-day written notice to the Participant at the last known address. Contribution and Tabarru' revision shall only be effective at the next certificate anniversary date. Should the next certificate anniversary date fall within 90 days from the date of such notice, contribution and Tabarru' revision shall then be effective at the following certificate anniversary date.
You are to disclose in this proposal form (and in any personal statement made to the Takaful Operator or to the Medical Examiner of the Takaful Operator) fully and faithfully, all the facts which you know and ought to know, otherwise the certificate issued hereunder may be invalidated.

Limitations
Only one claim under this Benefit can be made regardless of the number of Critical Illnesses diagnosed, except for full-blown AIDS.

Exclusions
The benefits shall not be payable:

If the symptoms of the Critical Illness is manifested prior to or;
- Within sixty (60) days for Heart Attack, Coronary Artery Heart Disease requiring Surgery, Cancer or other Serious Coronary Artery Heart Disease of; or
- Within thirty (30) days for all other Critical Illness listed in the Glossary of Terms of
  - The date of this Certificate; or
  - The date of issue of this Annexure; or
  - The date of Revival; or
  - The date of Endorsement; or
  - The commencement date of the Benefit;

1.1

Medical Cover

noreply@blogger.com (admin) — Fri, 02 Dec 2011 15:39:00 +0000

Medical Cover is designed to provide you with fixed cash payment and daily assistance in the event of hospitalisation due to illness or injury before age 70. These supplementary products are restricted to 8 units only.

Major Benefits

Daily Benefit - for hospital confinement	RM50 (up to 100 days a year)
Daily Benefit - for confinement in intensive care unit	RM100 (up to 30 days a year)
Lump Sum Benefit - for surgical procedure	RM2,500* per procedure (subject to a maximum amount of RM12,500 in a year)

Indicative Contribution Rates

Annual contribution per unit for a male/female under occupation class 1 & 2:
Aged 35	RM115
Aged 45	RM167

Important terms and conditions of the product

The Takaful Operator reserves the right to increase the contribution and Tabarru' at any time by giving a 90-day written notice to the Participant at the last known address. Contribution and Tabarru' revision shall only be effective at the next certificate anniversary date. Should the next certificate anniversary date fall within 90 days from the date of such notice, contribution and Tabarru' revision shall then be effective at the following certificate anniversary date.
You are to disclose in this proposal form (and in any personal statement made to the Takaful Operator or to the Medical Examiner of the Takaful Operator) fully and faithfully, all the facts which you know and ought to know, otherwise the certificate issued hereunder may be invalidated.
Confined to a hospital shall mean a continuous confinement of at least 6 hours in a "hospital" (as hereinafter defined) and a room and board charge has been made by the hospital in connection with the confinement.
The amount of surgical procedure depends on the Severity Rating Table as shown. The Severity Ratings of Surgical Procedures will be determined by a duly qualified doctor or physician or surgeon appointed by the Takaful Operator.
- Severity Rating Table
  Severity Amount of Surgical Procedure Benefit Payable
  1 5%
  2 10%
  3 20%
  4 30%
  5 50%
  6 75%
  7 100%

Limitations

Waiting Period
This benefit shall not be payable if such confinement is caused by illness or disease commencing within 30 days.
Exclusions
The benefits shall not be payable:

Hospital Benefit

noreply@blogger.com (admin) — Fri, 02 Dec 2011 15:38:00 +0000

Hospital Benefit is designed to provide you with fixed cash payment and daily assistance in the event of hospitalisation due to illness or injury before age 70. These supplementary products are restricted to 8 units only.

Major Benefits

Daily Benefit - for hospital confinement	RM50 (up to 100 days a year)
Daily Benefit - for confinement in intensive care unit	Not applicable
Lump Sum Benefit - for surgical procedure	Not applicable

Indicative Contribution Rates

Annual contribution per unit for a male/female under occupation class 1 & 2:
Aged 35	RM58
Aged 45	RM87

Important terms and conditions of the product

The Takaful Operator reserves the right to increase the contribution and Tabarru' at any time by giving a 90-day written notice to the Participant at the last known address. Contribution and Tabarru' revision shall only be effective at the next certificate anniversary date. Should the next certificate anniversary date fall within 90 days from the date of such notice, contribution and Tabarru' revision shall then be effective at the following certificate anniversary date.
You are to disclose in this proposal form (and in any personal statement made to the Takaful Operator or to the Medical Examiner of the Takaful Operator) fully and faithfully, all the facts which you know and ought to know, otherwise the certificate issued hereunder may be invalidated.
Confined to a hospital shall mean a continuous confinement of at least 6 hours in a "hospital" (as hereinafter defined) and a room and board charge has been made by the hospital in connection with the confinement.
The amount of surgical procedure depends on the Severity Rating Table as shown. The Severity Ratings of Surgical Procedures will be determined by a duly qualified doctor or physician or surgeon appointed by the Takaful Operator.
- Severity Rating Table
  Severity Amount of Surgical Procedure Benefit Payable
  1 5%
  2 10%
  3 20%
  4 30%
  5 50%
  6 75%
  7 100%

Limitations

Waiting Period
This benefit shall not be payable if such confinement is caused by illness or disease commencing within 30 days.
Exclusions
The benefits shall not be payable:

Disability Provider

noreply@blogger.com (admin) — Fri, 02 Dec 2011 15:37:00 +0000

Disability Provider is designed to provide extra cover in the event of disability before age 60. Disability Provider is payable annually provided the Participant remains continuously disabled.

Major Benefits and Indicative Contribution Rates

Benefits	Benefit is payable annually if the Participant becomes totally and permanently disabled
Amount Payable	The benefit payable is as follows: The amount of this Benefit or; RM100,000; whichever is lesser
Annual contribution per RM100 Sum Covered	RM1.15

Important terms and conditions of the product

Total and Permanent Disability is defined in the Glossary of Terms.
At each anniversary of the disability date, the Participant shall
- submit proof of continued total and permanent disablement; and
- if required by the Takaful Operator, submit himself or herself to a medical examination conducted by a duly qualified registered medical practitioner appointed by the Takaful Operator
The Takaful Operator reserves the right to determine the frequency of such medical examination as it may reasonably require. If such proof is not furnished or if the Participant shall refuse or fail to submit to a medical examination when required to do so, this Benefit shall immediately cease on the date of such request by the Takaful Operator.

Exclusions
This benefit will not apply or be payable if such disability is directly or indirectly caused by:

Attempted suicide or self-inflicted injuries while sane or insane
Engaging in aerial flights (including parachuting and skydiving) 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

Disability Plus

noreply@blogger.com (admin) — Fri, 02 Dec 2011 15:36:00 +0000

Disability Plus is designed to provide extra cover in the event of disability before age 60.

Disability Plus is payable in one lump sum up to the amount of RM1,000,000. A Deferred Disability Plus Benefit ("Deferred DPB") where the Amount of the Death Benefit exceeds RM1,000,000 but is not greater than RM2,000,000. The Deferred DPB shall be payable in nine equal annual instalments. The first instalment shall be payable on the first anniversary of such disability date and the final instalment on the ninth anniversary thereof.

Major Benefits and Indicative Contribution Rates

Benefits	Benefit is payable if the Participant becomes totally and permanently disabled
Amount Payable	Attained age of the Participant is less than 5 years old, the amount payable is as follows: The Amount of Death Benefit, in accordance with the Scale RM350,000 whichever is lesser, payable in one lump sum Attained age of the Participant is less than 15 years old, the amount payable is as follows: The Amount of Death Benefit RM350,000 whichever is lesser, payable in one lump sum Attained age of the Participant is between 15 and 60, the amount payable is as follows: The Amount of Death Benefit, in accordance with the Scale RM350,000 whichever is lesser, payable in one lump sum
Annual contribution per RM100 Sum Covered	Not applicable

Important terms and conditions of the product

Total and Permanent Disability is defined in Annexure 1.
At each anniversary of the disability date, the Participant shall
- submit proof of continued total and permanent disablement; and
- if required by the Takaful Operator, submit himself or herself to a medical examination conducted by a duly qualified registered medical practitioner appointed by the Takaful Operator
The Takaful Operator reserves the right to determine the frequency of such medical examination as it may reasonably require. If such proof is not furnished or if the Participant shall refuse or fail to submit to a medical examination when required to do so, this Benefit shall immediately cease on the date of such request by the Takaful Operator.

Exclusions
This benefit will not apply or be payable if such disability is directly or indirectly caused by:

Attempted suicide or self-inflicted injuries while sane or insane
Engaging in aerial flights (including parachuting and skydiving) 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

Accidental Death and Disablement (ADD)

noreply@blogger.com (admin) — Fri, 02 Dec 2011 15:36:00 +0000

Accidental Death and Disablement (ADD) is the benefit designed to provide the Participant or next-of-kin with a lump sum amount in the event of death or bodily injury from accidental causes before age 70.

Major Benefits

Benefits

Compassionate allowance of RM2,000 in the event of death due to accidental or natural causes
ADD benefits as per the Schedule of Benefits

Indicative Contribution Rates

Annual contribution per RM1,000 sum covered:	For every RM1,000 sum covered:
Class 1 & 2	RM1.84
Class 3	RM2.88
Class 4	RM4.03

Scale of Benefits	Percentage of ADD Amount of Benefit
Loss of life of the Participant	100%
Total and Permanent Disability of the Participant	100%
Total, Permanent and Irreversible:
Loss of two limbs	100%
Loss of both hands or of all fingers and both thumbs	100%
Loss of all sight in both eyes	100%
Loss of hand at or above wrist	100%
Loss of leg at or above ankle	100%
Loss of all sight in one eye	100%
Loss of all sight in one eye except perception of light	50%
Loss of lens of one eye	50%
Loss of speech	50%
Loss of four fingers and thumb - right hand - left hand	70% 50%
Loss of four fingers of - right hand - left hand	40% 40%
Loss of thumb - both phalanges of a thumb - one phalanx of a thumb	30% 15%
Loss of right finger - three phalanges of a finger - two phalanges of a finger - one phalanx of a finger	10% 7.5% 5%
Loss of left finger - three phalanges of a finger - two phalanges of a finger - one phalanx of a finger	7.5% 5% 2%
Loss of metacarpals - first or second (additional) - third, fourth or fifth (additional)	3% 2%
Loss of all those on one foot	15%
Loss of great toe - both phalanges of a great toe - one phalanx of a great toe	5% 2%
Loss of other toe, each	2%
Fractured leg or patella with established non-union	10%
Scale of Benefits
Shortening of leg by at least 2.5cm	7.5%
Loss of hearing - both ears - one ear	75% 15%
Loss of whole ear - both - one	6% 3%

Important terms and conditions of the product

Loss (other than the loss of life) shall be deemed to be Total and Irrecoverable Loss of Use.
If the Participant is left-handed, the percentage of the various disabilities of the right hand and left hand will be transposed.
"Total and Permanent Disability" means that if the disability, as a result of sustaining personal injuries by reason of an accident, has occurred:
- before the attainment of age 15, the Participant at such date of disability and at anytime thereafter, needs constant care and attention and is confined due to the accident to his/her home under medical supervision or in a hospital or similar institution. Such disability must be permanent and must last for a minimum period of six consecutive months; or
- on or after the attainment of age 15, the Participant at such date of disability and at anytime thereafter, comes completely unable to engage in any occupation and to perform any work for remuneration or profit
Where the injury is not specified the Takaful Operator will adopt a percentage of disablement which in its opinion is not inconsistent with the provisions of the above Scale of Benefits.
Double Indemnity: The Scale of Benefits, in lieu of being payable above will be doubled in the event that the Participant shall sustain bodily injury effected directly and independently of all other causes by a sudden, unintentional, unexpected, unusual and specific event that occurs at an identifiable time and place, which shall result in any of the specified losses within 12 months of the accident occurring:
- while the Participant is travelling in any public busses, taxis, trains and monorails over an established land route; or
- while the Participant is in an elevator car (excluding elevators in mines and construction sites); or
- in consequence of the fire of a burning theatre, hotel or other public building in which the Participant shall be at the commencement of the fire

Exclusions

ADD Benefit will be payable provided that death, loss, medical reimbursement (if any) or disability was not directly or indirectly occasioned or accelerated:
- by war, invasion, act of foreign enemy hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power, direct participation in riot, strike or civil commotion;
- by any violation or attempted violation of the law or resistance to arrest;
- by attempted suicide or self-inflicted injuries while sane or insane;
- by pregnancy, childbirth, miscarriage or any complications thereof;
- by pre-existing physical or mental defect or infirmity;
- by engaging in or taking part in professional sports, scuba diving, racing of any kind, aerial flights (including bungee jumping, hang gliding, ballooning, parachuting and sky diving) other than as a crew member of or as a fare paying passenger on a licensed passenger-carrying commercial aircraft operation on a regular scheduled route or any hazardous activities or sports, unless agreed by special endorsement;
- by narcotic or drug unless taken as prescribed by a qualified doctor or physician or surgeon;
- by alcoholic intoxication

Accidental Medical Reimbursement

noreply@blogger.com (admin) — Fri, 02 Dec 2011 15:35:00 +0000

Accidental Medical Reimbursement is designed to reimburse you on your medical bills incurred due to accident upon confinement in the hospital up to 104 weeks from the date of the accident before age 70.

The reimbursement is payable in one lump sum and is according to the actual amount incurred or the sum covered whichever is lower.

Major Benefits and Indicative Contribution Rates

Benefits

Benefit is payable in the event that the Participant shall sustain bodily injury due to accident, require medical treatment by a doctor or physician or surgeon and being confined in a registered or Government hospital or the service of a licensed qualified nurse on a reimbursement basis

Single Contribution (RM)	Class (RM)
Single Contribution (RM)	Class 1	Class 2	Class 3	Class 4
2,000	38	38	63.90	99.50
3,000	46	46	77.10	119.60
4,000	51.80	51.80	86.90	135.70
5,000	58.10	58.10	97.80	152.40
6,000	66.70	66.70	111.60	173.70
7,000	73.60	73.60	123.70	192.70
8,000	80	80	134	209.30
9,000	85.70	85.70	143.20	223.70
10,000	90.30	90.30	151.30	235.80

Important terms and conditions of the product
DOCTOR or PHYSICIAN or SURGEON
A registered medical practitioner qualified and licensed to practice western medicine who, in rendering such treatment is practising within the scope of his/her license and training in the geographical area of practise, but excluding a doctor, physician or surgeon who is the Participant him or herself.

Exclusions
Accidental Medical Reimbursement will be payable provided that bodily injury was not directly or indirectly occasioned or accelerated:

by war, invasion, act of foreign enemy hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power, direct participation in riot, strike or civil commotion;
by any violation or attempted violation of the law or resistance to arrest;
by attempted suicide or self-inflicted injuries while sane or insane;
by pregnancy, childbirth, miscarriage or any complications thereof;
by pre-existing physical or mental defect or infirmity;
by engaging in or taking part in professional sports, scuba diving, racing of any kind, aerial flights (including bungee jumping, hang gliding, ballooning, parachuting and sky diving) other than as a crew member of or as a fare paying passenger on a licensed passenger-carrying commercial aircraft operation on a regular scheduled route or any hazardous activities or sports, unless agreed by special endorsement;
by narcotic or drug unless taken as prescribed by a qualified doctor or physician or surgeon;
by alcoholic intoxication.

Weekly Indemnity

noreply@blogger.com (admin) — Fri, 02 Dec 2011 15:34:00 +0000

Weekly Indemnity is the benefit that provides weekly cash assistance if a Participant becomes temporarily disabled due to accident before the age of 70.

The maximum period payable is 104 weeks after the date of the accident.

Major Benefits

Benefits	Benefit Amount Per Unit
a) Temporary Total Disability	RM100 per week
b) Temporary Partial Disability	RM50 per week

Contribution Table

Class	RM
Class 1	47.50
Class 2	47.50
Class 3	98.80
Class 4	146.20

Important terms and conditions of the products
This Benefit is applicable only to the Participant. Whilst this Certificate and Annexure is in force, the Takaful Operator shall pay the amount of this Benefit as set forth below upon any of the following respective event occurring prior to the Participant attaining the age of 70.

Temporary Total Disability

In the event of Temporary Total Disability effected directly and independently of all other causes by a sudden, unintentional, unexpected, unusual and specific event that occurs at an identifiable time and place, the amount of this Benefit as set forth in the Table of Benefit Amount above is payable weekly during the disability period; and
The maximum Weekly Indemnity Benefit payable on the Participant with respect to all Weekly Indemnity Benefits and Personal Accident Benefits secured under all certificates insuring the life of the Participant with the Takaful Operator shall be limited to RM1,400 per week for Occupation Class 1 or 2 and RM700 per week for Occupation Class 3 or 4

Temporary Partial Disability

In the event of Temporary Partial Disability effected directly and independently of all other causes by a sudden, unintentional, unusual and specific event that occurs at an identifiable time and place, the amount of this Benefit as set forth in the Table of Benefit Amount above is payable weekly during the disability period; and
The maximum Weekly Indemnity Benefit payable on the Participant with respect to all Weekly Indemnity Benefits and Personal Accident Benefits secured under all certificates insuring the life of the Participant with the Takaful Operator shall be limited to RM700 per week per week for Occupation Class 1 or 2 and RM350 per week for Occupation Class 3 or 4

Exclusions
Weekly Indemnity will be payable provided that disability was not directly or indirectly occasioned or accelerated:

by war, invasion, act of foreign enemy hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power, direct participation in riot, strike or civil commotion;
by any violation or attempted violation of the law or resistance to arrest;
by attempted suicide or self-inflicted injuries while sane or insane;
by pregnancy, childbirth, miscarriage or any complications thereof;
by pre-existing physical or mental defect or infirmity;
by engaging in or taking part in professional sports, scuba diving, racing of any kind, aerial flights (including bungee jumping, hang gliding, ballooning, parachuting and sky diving) other than as a crew member of or as a fare paying passenger on a licensed passenger-carrying commercial aircraft operation on a regular scheduled route or any hazardous activities or sports, unless agreed by special endorsement;
by narcotic or drug unless taken as prescribed by a qualified doctor or physician or surgeon;
by alcoholic intoxication

Takaful Saver Contributor

noreply@blogger.com (admin) — Fri, 02 Dec 2011 15:33:00 +0000

Takaful Saver is a regular contribution investment-linked family Takaful rider for investment purpose only where contributions (after deducting upfront Wakalah charge) will be used to purchase units in the Investment Unit Account (IUA).

For as little as RM10 a month, you can add on Takaful Saver supplementary benefit to enable you to buy more units. Takaful Saver does not have any Takaful cover and 95% of the contribution is allocated to buy units. The contribution direction into selected investment funds will follow the Takafulink contribution direction i.e. Participants are not allowed to decide a different contribution direction for Takaful Saver.

Takaful Saver Contributor pays an annual benefit in the event of critical illness. Payment will cease upon death of Participant.

Benefits

Takaful Saver Contributor Benefit is applicable to the Participant.
Whilst the Certificate and this Annexure is in force, and the Participant is diagnosed to be suffering from a Critical Illness, then the Company will pay the Amount of this Benefit as specified in Schedule 2.
Upon a claim being made under this Annexure, payment of the Amount of this Benefit specified in Schedule 2 shall be allocated towards the purchase of Units in accordance with the prescribed allocation rate for each Contribution Year as set out in Schedule 2 hereto.
Where the Total Contribution under the certificate is paid more frequently than once annually, then the amount of this Benefit as specified in Schedule 2 shall be allocated towards the purchase of Units on a pro rated basis depending on how frequently the Total Contributions were last payable. The first allocation shall commence on the contribution due date immediately following the date of claim and the subsequent allocations on the following due dates thereafter.
The payments and allocations under this Annexure shall cease immediately upon the death of the Participant.
Critical Illness is defined in the Glossary of Terms.

Limitations
Only one claim under this Benefit may be made regardless of the number of Critical Illnesses diagnosed, except for Full Blown AIDS.

Exclusions

This Annexure shall not apply or be payable if the symptoms of the Critical Illness is manifested prior to or;
- Within sixty (60) days for Heart Attack, Coronary Artery Heart Disease requiring Surgery, Cancer or other Serious Coronary Artery Heart Disease of; or
- Within thirty (30) days for all other Critical Illness listed in the Glossary of Terms of
  - The date of this Certificate; or
  - The date of issue of this Annexure; or
  - The date of Revival; or
  - The date of Endorsement; or
  - The commencement date of the Benefit;
  whichever is the latest.
If the Participant is diagnosed to have a Critical Illness that is caused directly or indirectly by the existence of Acquired Immune Deficiency Syndrome (AIDS) or the presence of any Human Immunodeficiency Virus infection. The exception is when AIDS is full-blown or is caused by blood transfusion.

Conditions

Written notice of any claim under this Annexure must be given to the Head Office of the Takaful Operator in Kuala Lumpur within ninety days (90) after the date of such diagnosis. Failure to do so shall not invalidate any claim if it shall be shown not to have been reasonably possible to give such notice and that notice was given as soon as was reasonably possible.
The admission of any claim under this Annexure shall be subject to proof of diagnosis of Critical Illness that is satisfactory to the Takaful Operator and such proof must be furnished to the Company:
- during the lifetime of the Participant; and
- not exceeding 6 months from the diagnosis date; and
- at the Participant's own expense
The Takaful Operator reserves the right to decline any claim if the above conditions are not met.
At each anniversary of the diagnosis date, the Participant shall submit proof of continued survival. If such proof is not furnished this Benefit shall immediately cease on the date of such request by the Takaful Operator.
The Takaful Operator reserves the right at any time and from time to time to vary the contribution by giving written notice to the Participant at the last known address. Contribution revision shall only be effective at the next certificate anniversary date. Should the next certificate anniversary date fall within 90 days from the date of such notice, contribution revision shall then be effective at the following certificate anniversary date.
This Annexure will terminate automatically:
- upon the Certificate being surrendered; or
- upon the expiry date of this Benefit as specified in Schedule 2; or
- upon the death of the Person covered; or
- a claim being admitted under the Takaful Saver Spouse Contributor or Takaful Saver Parent Contributor Annexure, whichever shall first occur
Termination of this Benefit shall not prejudice any claim that has arisen prior to such termination.

Takaful Saver Spouse Contributor

noreply@blogger.com (admin) — Fri, 02 Dec 2011 15:32:00 +0000

Takaful Saver is a regular contribution investment-linked family Takaful rider for investment purpose only where contributions (after deducting upfront Wakalah charge) will be used to purchase units in the Investment Unit Account (IUA).

For as little as RM10 a month, you can add on Takaful Saver supplementary benefit to enable you to buy more units. Takaful Saver does not have any Takaful cover and 95% of the contribution is allocated to buy units. The contribution direction into selected investment funds will follow the Takafulink contribution direction i.e. Participants are not allowed to decide a different contribution direction for Takaful Saver.

Takaful Saver Spouse Contributor: In the event of death, TPD before age 60 or diagnosis of a critical illness on the spouse of the Participant, the benefit will assist the participant with future contributions to the Takaful Saver. Payment of annual benefit will cease upon death of Participant or upon reaching age 60.

1. Benefits

1.1

Takaful Saver Contributor Benefit is applicable to the Participant

1.2

Whilst the Certificate and this Annexure is in force, and the Participant is diagnosed to be suffering from a Critical Illness, then the Company will pay the Amount of this Benefit as specified in Schedule 2

1.3

Upon a claim being made under this Annexure, payment of the Amount of this Benefit specified in Schedule 2 shall be allocated towards the purchase of Units in accordance with the prescribed allocation rate for each Contribution Year as set out in Schedule 2 hereto

1.4

Where the Total Contribution under the certificate is paid more frequently than once annually, then the amount of this Benefit as specified in Schedule 2 shall be allocated towards the purchase of Units on a pro rated basis depending on how frequently the Total Contributions were last payable. The first allocation shall commence on the contribution due date immediately following the date of claim and the subsequent allocations on the following due dates thereafter.

1.5

The payments and allocations under this Annexure shall cease immediately upon the death of the Participant

1.6

Critical Illness is defined in the Glossary of Terms

2. Limitations

Only one claim under this Benefit may be made regardless of the number of Critical Illnesses diagnosed, except for Full Blown AIDS.

3. Exclusions

This Annexure shall not apply or be payable:

3.1

If the symptoms of the Critical Illness is manifested prior to or;

Within sixty (60) days for Heart Attack, Coronary Artery Heart Disease requiring Surgery, Cancer or other Serious Coronary Artery Heart Disease of; or
Within thirty (30) days for all other Critical Illness listed in the Glossary of Terms of
- The date of this Certificate; or
- The date of issue of this Annexure; or
- The date of Revival; or
- The date of Endorsement; or
- The commencement date of the Benefit;
whichever is the latest.

3.2

If the Participant is diagnosed to have a Critical Illness that is caused directly or indirectly by the existence of Acquired Immune Deficiency Syndrome (AIDS) or the presence of any Human Immunodeficiency Virus infection. The exception is when AIDS is full-blown or is caused by blood transfusion.

4. Conditions

4.1

Written notice of any claim under this Annexure must be given to the Head Office of the Takaful Operator in Kuala Lumpur within ninety days (90) after the date of such diagnosis. Failure to do so shall not invalidate any claim if it shall be shown not to have been reasonably possible to give such notice and that notice was given as soon as was reasonably possible.

4.2

The admission of any claim under this Annexure shall be subject to proof of diagnosis of Critical Illness that is satisfactory to the Takaful Operator and such proof must be furnished to the Company:

during the lifetime of the Participant; and
not exceeding 6 months from the diagnosis date; and
at the Participant's own expense

The Takaful Operator reserves the right to decline any claim if the above conditions are not met.

4.3

At each anniversary of the diagnosis date, the Participant shall submit proof of continued survival. If such proof is not furnished this Benefit shall immediately cease on the date of such request by the Takaful Operator.

4.4

The Takaful Operator reserves the right at any time and from time to time to vary the contribution by giving written notice to the Participant at the last known address. Contribution revision shall only be effective at the next certificate anniversary date. Should the next certificate anniversary date fall within 90 days from the date of such notice, contribution revision shall then be effective at the following certificate anniversary date.

4.5

This Annexure will terminate automatically:

upon the Certificate being surrendered; or
upon the expiry date of this Benefit as specified in Schedule 2; or
upon the death of the Person covered; or
a claim being admitted under the Takaful Saver Spouse Contributor or Takaful Saver Parent Contributor Annexure, whichever shall first occur

Termination of this Benefit shall not prejudice any claim that has arisen prior to such termination.

Takaful Saver Parent Contributor

noreply@blogger.com (admin) — Fri, 02 Dec 2011 15:31:00 +0000

Takaful Saver is a regular contribution investment-linked family Takaful rider for investment purpose only where contributions (after deducting upfront Wakalah charge) will be used to purchase units in the Investment Unit Account (IUA).

For as little as RM10 a month, you can add on Takaful Saver supplementary benefit to enable you to buy more units. Takaful Saver does not have any Takaful cover and 95% of the contribution is allocated to buy units. The contribution direction into selected investment funds will follow the Takafulink contribution direction i.e. Participants are not allowed to decide a different contribution direction for Takaful Saver.

Takaful Saver Parent Contributor: In the event of death, TPD before age 60 or diagnosis of a critical illness on the parent of the Participant, the benefit will assist the participant with future contributions to the Takaful Saver. Payment of annual benefit will cease upon death of Participant or upon reaching age 60.

1. Benefits

1.1

Takaful Saver Contributor Benefit is applicable to the Participant

1.2

1.3

1.4

1.5

The payments and allocations under this Annexure shall cease immediately upon the death of the Participant

1.6

Critical Illness is defined in the Glossary of Terms

2. Limitations

Only one claim under this Benefit may be made regardless of the number of Critical Illnesses diagnosed, except for Full Blown AIDS.

3. Exclusions

This Annexure shall not apply or be payable:

3.1

If the symptoms of the Critical Illness is manifested prior to or;

Within sixty (60) days for Heart Attack, Coronary Artery Heart Disease requiring Surgery, Cancer or other Serious Coronary Artery Heart Disease of; or
Within thirty (30) days for all other Critical Illness listed in the Glossary of Terms of
- The date of this Certificate; or
- The date of issue of this Annexure; or
- The date of Revival; or
- The date of Endorsement; or
- The commencement date of the Benefit;
whichever is the latest.

3.2

4. Conditions

4.1

4.2

The admission of any claim under this Annexure shall be subject to proof of diagnosis of Critical Illness that is satisfactory to the Takaful Operator and such proof must be furnished to the Company:

during the lifetime of the Participant; and
not exceeding 6 months from the diagnosis date; and
at the Participant's own expense

The Takaful Operator reserves the right to decline any claim if the above conditions are not met.

4.3

4.4

4.5

This Annexure will terminate automatically:

upon the Certificate being surrendered; or
upon the expiry date of this Benefit as specified in Schedule 2; or
upon the death of the Person covered; or
a claim being admitted under the Takaful Saver Spouse Contributor or Takaful Saver Parent Contributor Annexure, whichever shall first occur

Termination of this Benefit shall not prejudice any claim that has arisen prior to such termination.

PruBSN Pelindung

noreply@blogger.com (admin) — Fri, 02 Dec 2011 15:19:00 +0000

Personal accident protection plan.

Protect yourself from any eventualities or untoward incidents. With PruBSN Pelindung, you can live your life with peace of mind.

BRIEF SUMMARY


	Eligibility	18 - 65 years old
	Starting fee	As low as RM1.67 a day
	Contribution	Subject to plan taken
	Availability	Selected BSN branches

Here are some frequently asked questions to help you understand our product better.

How does the Takaful Pelindung Plan work for me?

This is a yearly renewable Takaful Personal Accident plan that ensures you are secured through trying periods in your life.

Am I eligible for the Takaful Pelindung Plan?

You are eligible if you are between 18 to 65 years old.

How much is the contribution that I have to pay?

The amount of contribution will depend on the selected plan and the classification of your occupation. You are also required to pay RM10 for the stamp duty of the certificate.

What is the coverage for this Plan?

Accidental Death (AD) & Permanent Disablement (PD): Should AD or PD occur, the sum covered specified in the benefit schedule in accordance with the scale of benefits listed below will be paid
Medical Expenses: We will pay reimbursement based on the actual medical and surgical expenses that do not exceed the amount specified on the benefit schedule below. The medical treatment must be administered by a qualified registered medical practitioner within 12 calendar months after the date of the accident (provided that the first expense is incurred within 26 weeks after the date of the accident).
Compassionate Allowance: Should AD occur, a total up to RM2,000 will be paid
Repatriation Expenses: We will pay reimbursement for cost incurred to send the Covered Person's mortal remains back to Malaysia or his / her country of origin in the event of AD. The reimbursement will be based on the actual repatriation expenses up to RM5,00

Benefit Schedule

Plan	Accidental Death & Permanent Disablement (AD/PD)	Medical Expenses (ME)	Compassionate Allowance	Repatriation Expenses
A	35,000	350	2,000	5,000
B	60,000	600	2,000	5,000
C	100,000	1,000	2,000	5,000

Notes:
Child benefits (if elected)
AD / PD is 20% of the participant's sum covered and 100% for other benefits
Non-working children aged 12 months to 18 years old (irrespective of the number of children)
Weekly benefit is not applicable to children
The benefits for spouse are 100% of the participant's amount

What are the additional benefits that I can add to this Plan?

Disappearance due to accident (after one year)
Exposure to natural elements
Natural perils like tsunami, earthquake, flood, lightning, windstorm and landslide
Unprovoked murder and assault
Accidental drowning or accidental suffocation
Accidental food and drinks poisoning
Unprovoked and accidental animal or insect bites

What are the major exclusions?

War risk
Nuclear weapon or nuclear related risk
Travelling in an aircraft as a pilot or a member of the crew
Travelling in a helicopter
Pre-existing physical or mental defects or infirmity
Childbirth, miscarriage and pregnancy risk
Insanity, suicide or attempted suicide
Committing or attempting to commit unlawful act
Participating in any professional sports
Terrorism risk

What is meant by surplus sharing?

You are entitled to a share of the surplus (if any) as long as you haven't made any claim during the Takaful period. The surplus will be allocated to you by providing a rebate to you when you renew your coverage. The basis of the rebate will be determined by PruBSN Takaful in an equitable way.

At the end of each financial year, if there is an investment profit, this will be shared between the participant and the company at a 70:30 ratio respectively.

Note: This is a brief product description only. For exact details of terms and conditions, please refer to your certificate document.

You should satisfy yourself that this product will serve your needs and that the contribution payable under the certificate is an amount you can afford.

Takaful Rumahku

noreply@blogger.com (admin) — Fri, 02 Dec 2011 15:18:00 +0000

Takaful Rumahku

Home and belongings protection plan.

Your house is your home and it means everything to you and your family. With Takaful Rumahku, you can protect your property and personal belongings against any unforeseen misfortune or calamity to your property.

BRIEF SUMMARY


	Eligibility	Legal owner of a covered property
	Protection	Subject to plan taken
	Contribution	Agency

Here are some frequently asked questions to help you understand our product better.

How does the Takaful Rumahku Plan work for me?

This Plan is renewable yearly and gives protection for your property and personal belongings. We have two comprehensive sections for this purpose:

Section 1: Houseowner (Residential)
Houseowner Takaful pays you for loss or damage to the building including fixtures and fittings, interior decorations, walls, gates and fences caused by specified perils.

Section 2: Householder (Contents)
Householder Takaful provides coverage for loss or damage to your personal possessions belonging to you or your family members (permanently residing with you) whilst contained within the building as a result of certain natural disasters and incidents.

Am I eligible to take up this Plan?

If you are the legal owner of a covered property, you are eligible to take up the Takaful Rumahku Plan.

What is the contribution amount?

The contribution you pay for your Takaful Rumahku will depend on the classification of the occupation of the premises and construction of the building. On top of the contribution, you need to pay for the stamp duty of the certificate which is RM10 currently and if the participant is a company, service tax at 5% of the contribution.

What are the basic covered perils of this Plan?

Fire and lightning
Aircraft damage
Impact damage
Overflowing of water tanks and pipes
Windstorm and tempest
Earthquake and volcanic eruption
Flood
Theft with violent and forcible entry or exit

For Houseowners, you can also obtain coverage for:

Loss of rent
Participant's liability to the public

For Householders, you can also obtain coverage for:

Property temporarily removed from the private dwelling
Damage to mirrors (maximum of RM500 per sheet)
Compensation for death of the participant caused by thieves or by fire
Servants' property
Participant's liability to the public

What is the extra coverage that I can get?

For Houseowners, you can also obtain extra coverage for:

Riot, strike, malicious damage
Subsidence and landslip
Additional public liability
Additional loss of rent
Damage to mirrors (maximum RM1,000 per sheet)
Bush / lalang fire
Damage by falling trees, branches or objects
Windstorm damage to outdoor fixtures including gates and fences

For Householders, you can also obtain extra coverage for:

Riot, strike, malicious damage
Subsidence and landslip
Unoccupancy in excess of 90 days
Full theft (subject to underwriting approval)

What are the major exclusions?

War, invasion, mutiny, rebellion, martial law risks
Pollution, contamination, ionizing, radiation risks
Nuclear weapon risks

What are the loss mitigating measures?

Each participant must take necessary measures to mitigate further loss / worsening of the situation. If temporary repairs are required to stop further damage, the participant should ensure that these are carried out immediately and the bills of work carried out should be kept as part of the claim.

If the repairs are of a permanent nature, the claimant should obtain estimates of the repairs required and send them to PruBSN Takaful for approval before commencing the work.

Takaful Pelindung

noreply@blogger.com (admin) — Fri, 02 Dec 2011 15:17:00 +0000

Takaful Pelindung

Personal accident protection plan.

Life is full of uncertainties. You'll never know when an accident can occur and snatch away your physical ability as well as your livelihood. With Takaful Pelindung, you can be assured that you are secured through trying periods of your life.

BRIEF SUMMARY


	Eligibility	18 – 65 years old
	Protection	Personal accidents
	Contribution	Subject to plan taken
	Availability	Agency

Here are some frequently asked questions to help you understand our product better.

How does the Takaful Pelindung Plan work for me?

This is a yearly renewable Takaful Personal Accident plan that ensures you stay secure through physical adversities.

Am I eligible for the Takaful Pelindung Plan?

You are eligible if you are between 18 to 65 years old. This Plan is also renewable up to age 70 years old.

How much is the contribution that I have to pay?

The amount of contribution will depend on the selected plan and the classification of your occupation. You are also required to pay RM10 for the stamp duty of the certificate. For companies, there will be a service tax at 5% of the contribution.

What is the coverage for this Plan?

Accidental Death: Lump sum payment will be paid
Permanent Disablement: Payment between 2–100% if part of the body is severed or can no longer be used following an accident
Double Benefits: Double benefits while travelling as a fare–paying passenger on public transportation (including travelling on scheduled or non–scheduled commercial flights)
Medical Reimbursement: Reimbursement of medical and surgical expenses up to the limit of your selected plan for any one accident (including or malaria)
Weekly Benefits: Weekly amount up to 104 weeks paid on being certified by a qualified medical practitioner for temporary loss of ability to work
Compassionate Allowance (per person): Burial expenses allowance of RM2,000
Repatriation Expenses (per person): Up to RM5,000 in sending the deceased participant back to Malaysia in the event of accidental death occurring while travelling overseas

Benefit Schedule

Option	Accidental Death & Permanent Disablement (AD/PD)	Medical Expenses (ME)	Weekly Benefits (WB – Optional)
1	100,000	1,000	100
2	200,000	2,000	150
3	250,000	2,500	200
4	500,000	5,000	300
5	750,000	7,500	400
6	1,000,000	10,000	500

Notes:

The maximum sum covered for referred occupation is less than RM1,000,000. Please refer to the proposal form for the detailed plan and contribution.
Child benefits (if elected)
AD/PD is 20% of the adult's sum covered and 100% for other benefits
Non–working children aged 12 months to 18 years old (irrespective of the number of children)
Weekly benefit is not applicable to children
The benefits for spouse are 100% of the participant's amount (if elected)

What are the major exclusions?

War risk
Nuclear weapon or nuclear related risks
Travelling in an aircraft as a pilot or a member of the crew
Travelling in a helicopter
Pre–existing physical or mental defects or infirmity
Childbirth, miscarriage and pregnancy risks
Insanity, suicide or attempted suicide
Committing or attempting to commit unlawful acts
Participating in any professional sports
Terrorism risk

What is meant by surplus sharing?

At the end of each financial year, every participant is entitled to a 70% investment profit and 100% underwriting surplus from the Tabarru' Fund, after deducting claims, retakaful and reserves.

The surplus will be allocated to the participant by providing a rebate when the participant renews coverage for the Plan. Should the participant choose not to renew the coverage, the share of surplus will be payable to him / her or donated to charitable organisations.

PruBSN Gadai Janji & Takaful Rumahku

noreply@blogger.com (admin) — Fri, 02 Dec 2011 15:12:00 +0000

PruBSN Gadai Janji & Takaful Rumahku

Lindungi asset paling bernilai keluarga anda

PruBSN Gadai Janji – satu pelan untuk melindungi hak milik kediaman keluarga anda. Takaful Rumahku melindungi mahligai kediaman untuk memberi anda ketenangan hidup.

Ringkasan


	PruBSN Gadai Janji dapat membantu mengelakkan rumah keluarga anda daripada ditarik balik sekiranya anda tidak dapat meneruskan pembayaran balik pinjaman Takaful Rumahku menawarkan perlindungan untuk rumah anda serta perlindungan tanggungan terhadap orang awam

Keluarga anda memerlukan perlindungan anda

Untuk menyediakan tempat berteduh bukanlah sesuatu yang mudah. Anda berusaha setiap hari sehingga anda berjaya memiliki sebuah rumah untuk keluarga bahagia anda.

Dengan bantuan pinjaman dari Bahagian Pinjaman Perumahan, tercapailah impian anda untuk menyediakan sebuah rumah yang dimiliki sendiri untuk keluarga yang tersayang.

Namun tiada siapa yang dapat meramal apa yang akan berlaku pada masa hadapan. Bagaimanakah jika anda tidak dapat meneruskan pembayaran pinjaman perumahan tersebut atas sebab-sebab kehilangan upaya atau kematian? Sanggupkah anda melihat mereka yang anda sayangi kehilangan tempat berlindung?

Berikut adalah beberapa soalan yang sering diajukan untuk membantu anda memahami produk kami dengan lebih baik.

Apakah PruBSN Gadai Janji?

PruBSN Gadai Janji dapat membantu mengelakkan rumah keluarga anda daripada ditarik balik sekiranya anda tidak dapat meneruskan pembayaran balik pinjaman atas sebab-sebab kehilangan upaya atau kematian.

Selain daripada itu, PruBSN Gadai Janji juga membolehkan anda berkongsi sebarang keuntungan pelaburan, jika ada.

PruBSN Gadai Janji – satu pelan untuk melindungi hak milik kediaman keluarga anda.

Bagaimanakah PruBSN Gadai Janji melindungi anda?

Manfaat kematian akibat penyakit dan kemalangan	Manfaat ini akan melangsaikan pinjaman perumahan anda sekiranya anda meninggal dunia akibat kemalangan atau penyakit
Manfaat hilang upaya kekal	Manfaat ini akan : melangsaikan pinjaman perumahan anda sekiranya anda hilang upaya kekal dan menyeluruh sebelum mencapai umur 65 tahun menawarkan bayaran perubatan RM1,000 untuk anda
Manfaat khairat kematian	Manfaat ini menyediakan bantuan kewangan berjumlah: RM1,000 jika peminjam meninggal dunia, atau RM1,000 jika pasangan peminjam meninggal dunia, atau RM500 jika anak peminjam meninggal dunia (maksimum dua orang anak di bawah umur 20 tahun pada tarikh lahir yang terhampir)
Manfaat serahan awal	Manfaat ini membolehkan anda untuk mendapat sejumlah wang yang terkumpul dari akaun anda apabila anda melangsaikan pinjaman perumahan anda lebih awal
Manfaat kematangan	Manfaat ini membolehkan anda untuk mendapat sejumlah wang yang terkumpul dari akaun anda apabila tamat tempoh pinjaman
Penerimaan automatik	Kami menerima penyertaan sehingga usia 60 tahun tanpa sebarang pemeriksaan perubatan atau pengakuan kesihatan
Proses yang mudah dan pantas untuk tuntutan khairat kematian	Anda hanya perlu mengemukakan sijil kematian yang disahkan kepada kami. Tempoh pembayaran tuntutan adalah dalam jangka masa 24 jam setelah menerima sijil kematian atau permit pengkuburan

Apakah Takaful Rumahku?

Takaful Rumahku melindungi bangunan kediaman untuk memberi anda ketenangan hidup.

Kami menawarkan perlindungan menyeluruh yang merangkumi perlindungan untuk rumah anda serta perlindungan tanggungan terhadap orang awam.

Jika rumah anda ditimpa musibah dan tidak dapat didiami dalam masa tertentu, Takaful Rumahku akan membiayai kos kerugian sewa atau penyewaan tempat tinggal sementara yang difikirkan sesuai untuk anda dan keluarga semasa rumah tersebut dibaik pulih.

Bagaimanakah Takaful Rumahku melindungi anda?

Takaful Rumahku membantu anda untuk mendapatkan ganti rugi dari musibah-musibah berikut:

Kebakaran, kilat, petir dan kebakaran bawah tanah
Letupan tong gas domestik
Kerosakan akibat dari pesawat udara dan objek-objek yang gugur darinya, pelanggaran oleh kenderaan jalanraya atau binatang bukan kepunyaan atau kawalan ahli dan keluarga
Pecahan atau limpahan tangki air, peralatan atau paip kecuali:
- untuk RM50 yang pertama
- jika berlaku semasa rumah anda tidak dihuni
- kerosakan tangki, peralatan atau paip itu sendiri
Kerosakan akibat pencerobohan, kecurian yang disertai dengan menggunakan kekerasan untuk masuk dan keluar dari bangunan
Angin ribut, siklon, taufan dan hujan ribut kecuali kerosakan bidai dan sengkuap, gempa bumi, letupan gunung berapi dan banjir
Kerugian sewa atau perbelanjaan yang difikirkan sesuai untuk menyewa tempat tinggal sementara semasa rumah dibaik pulih
Tanggungan awam (public liability) ke atas harta benda dan kecederaan anggota badan pihak ketiga tidak melebihi RM50,000 akibat kemalangan di dalam kawasan rumah

Bagaimanakah PruBSN Gadai Janji danTakaful Rumahku dilaksanakan?

PruBSN Gadai Janji dan Takaful Rumahku adalah berlandaskan model Wakalah Mudharabah yang mana kami memasukkan sumbangan anda ke dalam akaun anda setelah kami mengambil sebahagian daripadanya sebagai caj Wakalah. Ini merupakan yuran bagi perkhidmatan-perkhidmatan yang kami sediakan. Mudharabah membolehkan anda berkongsi sebarang keuntungan pelaburan daripada akaun anda dan dana Tabarru'. Anda akan menerima 80% daripada keuntungan tersebut manakala kami pula akan menerima 20% daripadanya. Bahagian anda akan dimasukkan semula ke dalam akaun anda dan dana Tabarru'.

Perlindungan Takaful datang dari Tabarru' (derma) yang kami masukkan ke dalam dana Tabarru'. Sebarang lebihan* dari dana Tabarru' akan dikembalikan kepada anda setelah kami mengasingkan satu jumlah sebagai rizab luar jangka.

* Termasuk lebihan pengunderaitan dan perkongsian anda di dalam keuntungan pelaburan dana Tabarru'

Siapakah yang boleh menyertai PruBSN Gadai Janji dan Takaful Rumahku?

Sesiapa sahaja yang berumur dari 19 tahun sehingga 60 tahun boleh menyertai kedua-dua pelan ini jika anda mengambil pinjaman perumahan dari Bahagian Pinjaman Perumahan Perbendaharaan Malaysia.

Apakah syarat-syarat pinjaman perumahan?

Warganegara Malaysia
Sedang berkhidmat dan berjawatan tetap
Berkhidmat sekurang-kurangnya 1 tahun
Telah disahkan dalam jawatan
Bukan seorang yang bankrap / berhutang hukuman / tidak berkemampuan / dalam tindakan tatatert
Borang permohonan didaftarkan selewat-lewatnya 6 bulan sebelum bersara/tamat perkhidmatan

Berapakah jumlah sumbangan untuk PruBSN Gadai Janji dan Takaful Rumahku?

Jumlah sumbangan untuk kedua-dua pelan ini adalah bergantung kepada usia, jantina, jumlah dan tempoh perlindungan yang anda pilih.

Apakah Piawaian Perkhidmatan Pelanggan PruBSN?

Perkhidmatan pelanggan PruBSN adalah menepati tahap piawaian yang disarankan oleh kerajaan berdasarkan kepada:

Pengeluaran surat penerimaan – tidak lebih dari tiga (3) hari bekerja setelah menerima dokumen lengkap
Pembayaran tuntutan khairat kematian - dalam tempoh 24 jam setelah menerima sijil kematian atau permit pengkuburan
Pembayaran tuntutan - tidak lebih dari tujuh (7) hari bekerja setelah menerima dokumen lengkap
Prosedur kami adalah berdasarkan prosedur yang telah ditetapkan oleh pihak BPP
Pelan ini direka khas untuk kakitangan kerajaan sahaja

Apakah perlindungan gadai janji dapat menyelesaikan baki hutang sepenuhnya jika peminjam meninggal dunia atau hilang upaya kekal?

Ya, baki pinjaman akan diselesaikan dengan syarat, tiada berlaku tunggakan ke atas pinjaman tersebut.

Apakah perlindungan tambahan di bawah manfaat hilang upaya kekal dan menyeluruh?

Syarikat juga akan mempertimbangkan pembayaran manfaat ini jika peminjam dibersarakan akibat penyakit atau kemalangan melalui arahan bertulis dari Laporan Lembaga Panel Perubatan yang diiktiraf mengikut syarat-syarat di dalam Perkhidmatan Awam Malaysia
Malahan, Syarikat telah memutuskan akan mempertimbangkan tuntutan ke atas peminjam yang menghadapi gangguan mental (gila) dengan syarat dibersarakan atas sebab-sebab kesihatan dengan kelulusan Lembaga Perubatan Kerajaan yang ditauliahkan

PruBSN Kasih

noreply@blogger.com (admin) — Fri, 02 Dec 2011 15:09:00 +0000

PruBSN Kasih

Protection for your home financing.

Your home is a safe haven for you and your family. PruBSN Kasih helps to ensure that your home will not be taken away if anything untoward happens to you.

BRIEF SUMMARY


	Eligibility	18 - 60 years old
	Contribution	One-off contribution
	Protection	Ensure full payment of home loan
	Availability	Selected BSN branches

Here are some frequently asked questions to help you understand our product better.

How does the PruBSN Kasih Plan work for me?

With just a one-off contribution, PruBSN Kasih will provide a lump sum payment to repay your outstanding home financing.

Am I eligible to take up this Plan?

You are eligible if you are between 18 to 60 years old and have taken up a Bank Simpanan Nasional (BSN) home financing with loan tenure of at least five years. Your cover commences after the single contribution is made and your application is approved.

How much is the contribution that I have to make?

The single contribution you make depends on your age, the sum covered, the term of your coverage, the construction period of your property, profit rates of the mortgage financing and whether it is a financed or non-financed case. For your convenience, BSN offers you the facility to finance your single contribution.

What is the basic coverage of this Plan?

In the event of death or total and permanent disability, the sum covered along with the total amount available in the Individual Special Account (ISA) will be paid to BSN, which is the owner of the Master Certificate, to settle the outstanding amount of your home financing. The sum covered is more or equal to RM10,000.

What are the exclusions?

Death Benefit: Any death which is directly or indirectly caused by or in connection with suicide within one (1) year after the entry date
Total and Permanent Disability Benefit: Any condition / injury / event which is directly or indirectly caused by or in connection with:
- Any attempted suicide; self-inflicted injury; or self-inflected illness; WHETHER attempted/inflicted while sane or insane;
- Any participation in any aerial sporting activities such as hang-gliding, ballooning, parachuting, sky-diving, bungee jumping and other similar activities;
- Any service in the armed forces in a war (declared or undeclared) or in respect of any order for warlike operations or restoration of public order;
- Any riot, civil commotion, strike or terrorist activities; or
- Any violation or attempted violation of any law or resistance to arrest

Will I get a share of the surplus?

Surplus (if any) from the Tabarru' Fund will be distributed to you via your ISA after 30% is deducted as a contingency reserve.

Will I get any maturity value?

Yes. The balance amount in your ISA will be payable to you upon expiry of your certificate.

What are the charges?*

Wakalah fee for distribution and management expenses of 20% and 5% Wakalah fee provision deducted from your single contribution
Share investment profit (if any) arising from the investment in ISA and Tabarru' Fund at a pre-agreed ratio of 80% to you via your ISA and 20% to the Takaful Operator

* The fees and charges may vary from time to time with a 90-day notice given

What will I get if I cancel or surrender by certificate?

A 30-day free-look period is given to you upon receiving the certificate to allow you to see if this Plan will best serve your needs. After this period, you may surrender the certificate by informing BSN and we will pay the available amount in ISA as cash value.

Or, you may choose to cancel your certificate by informing BSN and we will refund your single contribution after deducting any medical expenses incurred.

PruBSN Educate

noreply@blogger.com (admin) — Fri, 02 Dec 2011 15:08:00 +0000

PruBSN Educate

Turning ambition into REALITY.

Children's imagination and ambition have no boundaries.

As parents, our children's ambitions become our aspirations as well. The fact is, education is the key to our children's promising futures. What's more, education does not come cheap today and it definitely won't be in the future.

This is why we need to start preparing as early as possible. Build a reliable foundation for your child today and pave the way to his / her bright future.

PruBSN Educate – the investment-linked Takaful plan that will help turn your child's ambition into reality.

Here are some frequently asked questions to help you understand our product better.

How PruBSN Educate can help you?

Secure a bright future for your child
Ensures adequate financial resources when it is time for your child's higher education

Secure your child's education fund continuity
PruBSN Educate strengthens your child's education fund with Takaful protection. It will continue to grow should you die, become totally and permanently disabled or succumb to critical illness.

Secure higher education fund for your child
Provides a higher allocation rate for your investment through Takaful Saver, a unique wealth accumulation vehicle

Maximise your child's education fund
Our investment experts will help you maximize your child's education fund for enhanced returns by investing it in a Shariah-approved Takafulink Dana Urus fund

Your funds are available when you need it
You can withdraw a portion of your investment account value if you need cash using the partial withdrawal facility*

Leave a legacy for your child
Protect your child against financial hardship in the event of your demise

Financial protection for you
Secure a continuous contribution for your child's education fund if you cannot continue to earn a living due to total and permanent disability or a critical illness

Financial protection for your child
Provides you with cash if your child is totally and permanently disabled or succumbs to a critical illness so that you can provide him / her with the needed treatment or assistance

Minimal contribution for comprehensive benefits
Ensures full financial protection with contribution from as low as RM1.67 a day!**
PruBSN Educate is an ideal plan for you to give the most valuable gifts to your child – education and protection.

* Terms and conditions apply
** Your contribution shall depend on your age, amount and term of coverage, health status, gender, your payment method and frequency

How will investing in Takafulink Dana Urus enhance the fund?

Takafulink Dana Urus is a managed fund that seeks to maximise returns over a medium to long term. This is achieved by investing in Shariah-approved shares and securities through Takafulink Dana Ekuiti and Takafulink Dana Bon and in any other such Takafulink fund that may become available in the future.

This fund is for participants with moderate to high risk tolerances and medium to long-term investment horizons.

Easily choose the right PruBSN Educate package for you


	Looking for: Basic plan with slightly higher investment and continuous coverage	Looking for: Higher protection, coverage for critical illnesses, higher hospital allowance as well as continuous protection and investment
	Choose Plan B	Choose Plan D
	Looking for: Basic plan with minimal investment and continuous coverage	Looking for: High protection, coverage for critical illnesses, hospital allowance as well as continuous protection and investment
	Choose Plan A	Choose Plan C

Coverage	Plan A	Plan B	Plan C	Plan D
Basic Plan Provides cash upon death or total and permanent disability	RM25,000	RM25,000	RM35,000	RM35,000
Crisis Shield Provides cash upon diagnosis of a critical illness	Not applicable	Not applicable	RM10,000	RM10,000
Hospital Benefit Provides daily allowance upon hospitalisation	Not applicable	Not applicable	Equivalent to 2 units	Equivalent to 4 units
Parent Contributor Enables your child to continue your protection coverage upon your death or total and permanent disability	Yes	Yes	Yes	Yes
Takaful Saver Parent Contributor Continuous investment even after your demise or total and permanent disability	Yes	Yes	Yes	Yes
Monthly Contribution*
Protection Coverage	RM30	RM30	RM50	RM60
Takaful Saver**	RM20	RM50	RM50	RM60
Total	RM50	RM80	RM100	RM120

* Your contribution shall depend on your age, amount and term of coverage, health status, gender, your payment method and frequency
** A vehicle to accumulate your wealth through investment. 95% of your Takaful Saver contribution will be allocated in your investment account

Who can take up PruBSN Educate?

You can take up this plan for your child when he / she is as young as 2 weeks old as long as he / she has not reached age 15 on his / her next birthday.

How flexible is PruBSN Educate?

PruBSN Educate provides you the flexibility to suit your priorities. With PruBSN Educate, you can:

Opt for an open package where you can specify the type and amount of benefits based on your financial goals
Vary the amount of Takaful protection for death and disability without affecting your contribution
Increase your savings for the education fund up to 5 times the protection contribution
Top up your education fund anytime you want

How does PruBSN Educate work?

PruBSN Educate is based on the Wakalah Mudharabah model where we put your contribution into your account after we take a portion of it as a Wakalah charge. This is a fee for the services we provide. The Mudharabah allows you to share any investment profit from your account and Tabarru' fund. You will receive 70% of the profit whilst we receive 30% from it. Your portion will be placed back into your account and Tabarru' fund respectively.

The details of the Wakalah and other charges are listed in the table below.

The type of charges

Details of charges

Upfront Wakalah charge

Certificate Year

Percentage of contribution

1	2	3	4	5 & 6	7 & above
60%	35%	20%	20%	10%	0%

Service charge

There will be a service charge of RM5 a month from your contribution for certificate servicing expenses

Risk management charge

We take 30% from your Tabarru' deduction monthly for risk management of the Tabarru' fund

Asset management charge

We take 1.3% annually on a daily basis from your investment account value for your investment management expenses

Tabarru'

We charge an amount monthly based on your age, gender, health status, occupation (if applicable), amount of coverage and the duration of the coverage

Note: The upfront Wakalah charge is for certificates with term of 20 years or more. For certificates with term less than 20 years, it will be reduced accordingly. Please refer to the plan illustration for more detailed information.

The Takaful protection comes from your Tabarru' (donation) that we put in the Tabarru' Fund. Any surplus* from the Tabarru' Fund will be given back to you after we have set aside an amount as contingency reserve.

* Inclusive of underwriting surplus and your portion in the Tabarru' Fund investment profit

What is not included in PruBSN Educate coverage?

PruBSN Educate does not cover the following situations.If any of these happen, the benefits offered under the plan will not be payable to you.

If the loss of life occurs as a result of suicide within one year of the inception date of the certificate
If total and permanent disability occurs due to attempted suicide and self-inflicted injury
If the total and permanent disability occurs because you are involved in dangerous aerial activities (including parachuting and sky-diving) unless you are part of a flight crew or as a paying passenger on a licensed commercial flight operating on a regular and designated route
If you do not disclose important information such as pre-existing illness and so forth during your application for the plan
If the hospitalisation is caused by illness that started within 30 days from the certificate date
If symptoms of the critical illness started within 60 days prior to the certificate date

PruBSN Impian

noreply@blogger.com (admin) — Fri, 02 Dec 2011 15:04:00 +0000

PruBSN Impian

Affordable protection plan for your children's education.

Provide the gift of a lifetime for your children - education and protection. PruBSN Impian gives you the assurance that your children's education will not be compromised when faced with life's uncertainties.

BRIEF SUMMARY


	Eligibility	Parents with children aged 1 - 15 years old
	Starting fee	As low as RM2 a day
	Protection	For your children's education
	Availability	Selected BSN branches

Here are some frequently asked questions to help you understand our product better.

How does the PruBSN Impian Plan work for me?

This is a regular contribution investment-linked plan that matures when your child reaches the age of 25. This plan provides protection for your children's education and well-being and at the same time is flexible enough to suit you and your children's evolving needs.

Am I eligible to take up this Plan?

You are eligible if you have children between 1 to 15 years old. As a parent, you will own the certificate and you can match the plan for your children's benefit.

How do I start?

Decide on an affordable monthly amount to set aside for your children every month. With the PruBSN Impian Plan, you can start protecting your children's health and financial future from as little as RM2 a day.

What are the packages available?

The packages available, based on the age of the child and parent at the next birthday, are as follows:

For children aged 1-15 and parents aged 20-40

	Plan A	Plan B	Plan C	Plan D	Plan E
Basic Contribution	RM30	RM40	RM50	RM50	RM80
Takaful Saver Contribution	RM30	RM40	RM50	RM50	RM80
Total Contribution	RM60	RM80	RM100	RM100	RM160
Coverage
Basic Contribution	RM15,000	RM20,000	RM25,000	RM22,000	RM235,000
Parent Contribution	Yes	Yes	Yes	Yes	Yes
Takaful Saver Parent Contributor	Yes	Yes	Yes	Yes	Yes
Critical Illness		RM10,000	RM10,000	-	-
Hospitalisation Benefit	-	-	1 unit	-	-
Crisis Shield	-	-	-	RM10,000	RM10,000

What are the basic benefits of this Plan?

Death: Should death occur, the sum covered and the remaining value in the Participant's Unit Account (PUA), Individual Special Account (ISA) and Investment Unit Account (IUA) will be paid
Total and Permanent Disability (TPD): Should TPD occur before the age of 60, the sum covered will be paid while the units in your PUA and the value in your ISA will remain in your account
However, should the child die or suffered from TPD before the age of five (5), the proportion of the Sum Covered will be paid as follows:
Child's age at next birthday % Sum Covered
1 20%
2 40%
3 60%
4 80%
5 100%

What are the riders that I can add to this Plan?

How do I save with this Plan?

We can help you plan your savings by providing you with a managed fund to invest in where a portion of your contribution is allocated to buy units in the Takafulink Dana Urus investment fund.

The contributions are allocated according to the certificate year and its corresponding percentages.

Certificate Year	1	2	3 & above
Contribution allocation	40%	70%	100%

What is the Takafulink Dana Urus investment fund?

This is a managed fund that seeks to maximise returns over medium to long term by investing in Shariah-approved shares and securities.

Past actual performance is not a guide to future performances which may be different. The investment risk of the funds will be borne solely by you and the performance of the funds is not guaranteed. The value of the fund may fall below the amount of contributions you paid which depends on the performance of the underlying assets.

What is meant by surplus sharing?

Every participant is entitled to share the underwriting surplus and investment profit, if any. Underwriting surplus arising from the Tabarru' Fund will be distributed to the participants by crediting back to their ISA and buying additional units in PUA while the investment profit will be shared between the participants and the company at a 70:30 ratio respectively.

What are the charges? *

Service Wakalah Charge of RM5 per month for certificate servicing expenses that are debited from PUA
Tabarru' Charge which is levied monthly based on your age, gender, smoking status, occupation class (if applicable) and sum covered
Fund Switching Fee of 1% (subject to maximum of RM50) for any subsequent switch within the year
Asset Management Wakalah Charge of 1.3% per annum levied daily based on the corresponding PUA and IUA fund values and reflected in unit price
Risk Management Wakalah Charge, deducted from Tabarru' on a monthly basis for the risk management of the Tabarru' Fund
Upfront Wakalah Charge for agents' commission and distribution-related expenses

* The fees and charges may vary from time to time with a 90-day notice given

Giro Takaful Hajj

noreply@blogger.com (admin) — Fri, 02 Dec 2011 14:57:00 +0000

Giro Takaful Hajj

Life is more meaningful with an ultimate goal.

Life is filled with commitments and responsibilities. As Muslims, we also have our obligations and desire to fulfil our religious duties.

Here are some frequently asked questions to help you understand our product better.

What is Giro Takaful Hajj?

Giro Takaful Hajj is a unique plan that will assist you in your aspiration to fulfil your spiritual obligations. It not only protects you and equips you with future savings but will also aid you as a Muslim with its unique features such as Hajj allowance through loyalty bonus, Badal Hajj and Double Takaful benefit.

With all these benefits, we believe Giro Takaful Hajj will help you focus on fulfilling your spiritual obligations while making sure you are protected.

Giro Takaful Hajj. The plan that helps fulfil your spiritual needs.

What are the benefits that Giro Takaful Hajj offer?

Benefits	Coverage
Death & TPD	200% x Benefit for death or TPD while on Hajj + RM2,000 100% x Benefit for normal death or TPD + RM2,000
Badal Hajj	Nominee is appointed to perform Hajj
Critical illness¹	Savings and protection continue

Death and Total and Permanent Disability (TPD) Benefits
Upon your death or total and permanent disability, you or your nominee will receive cash equivalent to your coverage i.e. Takaful benefit amount.
In addition, your family will receive an additional RM2,000 as a form of compassionate benefit upon your unfortunate passing that could be used for funeral or other related expenses.
Double Your Takaful Benefits² while on Hajj or Umrah
Your Takaful benefit will be doubled in the unfortunate event of your death or total and permanent disability (TPD) while performing Hajj or Umrah.
Badal Hajj
In the event of your passing or suffering from total and permanent disability before you have the opportunity to perform Hajj, we will ensure your Hajj obligation is fulfilled by paying your nominee or a third party to perform Badal Hajj on your behalf.
Critical Illness Benefit
Should you be diagnosed with a covered critical illness, we will ensure that your protection and savings in the plan will continue, as the Takaful contributions will be paid continuously for you.

This coverage is packaged together with this plan.
Loyalty Bonus³
This benefit is given to you for being our loyal customer. You will earn this benefit when you complete your Takaful period. Additionally, bonus will also be paid in the event of death or total and permanent disability on top of your other Takaful benefits.

In order to ensure you have complete peace of mind during Hajj, you will be given a Hajj allowance, which is a part of the loyalty bonus. The allowance is intended to assist you in covering your expenses. You can also use it to ensure the financial needs of your family at home are taken care of while you perform your obligations in Makkah.
Withdrawals of savings for Hajj or Umrah
You can withdraw part of your savings from your account to supplement the needs of your journey for Hajj or Umrah, subject to the following conditions:
- Withdrawals are only allowed for Hajj and Umrah purposes only
- Each withdrawal must be at least RM500
- There must be a minimum balance of RM2,000 left in your account after withdrawal

¹ The savings will continue from the Contributor rider benefit
² A waiting period of 3 years is applicable except for accidental causes and this benefit applies to only 1 Hajj and 1 Umrah
³ Loyalty bonus is a non-guaranteed benefit from PruBSN and subject to terms and conditions. There is a waiting period of 5 years before you are eligible for the benefit.

What is Giro Takaful Hajj?

Giro Takaful Hajj is a family Takaful plan designed to cater to Muslims' spiritual needs. This plan provides you with protection and savings, as well as benefits that will assist you with your spiritual quest.

Easily choose the right Giro Takaful Hajj package for yourself

The following packages are available for your convenience. You may choose the package that suits your needs and affordability. However, if you are unsure about which one will work best for you, our representative can always advise you.

Basic Sum Covered and Contributor Rider Benefit is as below.

Plan 75
Age	Term
Age	10	15	20	25	30
19 - 25	14,000	22,000	30,000	38,000	44,000
26 - 30	14,000	22,000	29,000	35,000	39,000
31 - 35	14,000	21,000	26,000	30,000	31,000
36 - 40	13,000	19,000	22,000	23,000	23,000
41 - 45	12,000	16,000	18,000	18,000
46 - 50	11,000	13,000	13,000
51 - 55	-	-
56 - 50	-

Plan 100
Age	Term
Age	10	15	20	25	30
19 - 25	19,000	31,000	41,000	51,000	59,000
26 - 30	19,000	30,000	39,000	47,000	52,000
31 - 35	19,000	28,000	35,000	40,000	42,000
36 - 40	18,000	25,000	30,000	31,000	31,000
41 - 45	16,000	22,000	24,000	24,000
46 - 50	14,000	17,000	17,000
51 - 55	12,000	13,000
56 - 50	-

Plan 150
Age	Term
Age	10	15	20	25	30
19 - 25	29,000	45,000	61,000	76,000	88,000
26 - 30	29,000	45,000	58,000	70,000	78,000
31 - 35	28,000	42,000	53,000	61,000	63,000
36 - 40	27,000	38,000	45,000	47,000	47,000
41 - 45	24,000	33,000	36,000	36,000
46 - 50	22,000	26,000	26,000
51 - 55	18,000	19,000
56 - 50	13,000

Plan 200
Age	Term
Age	10	15	20	25	30
19 - 25	39,000	61,000	82,000	102,000	118,000
26 - 30	39,000	60,000	78,000	94,000	104,000
31 - 35	38,000	56,000	71,000	81,000	84,000
36 - 40	36,000	51,000	61,000	62,000	62,000
41 - 45	33,000	44,000	48,000	48,000
46 - 50	29,000	35,000	35,000
51 - 55	24,000	26,000
56 - 50	18,000

How Giro Takaful Hajj can assist me on top of my Tabung Haji savings?

Giro Takaful Hajj is not a replacement for your Tabung Haji savings. It complements your Tabung Haji savings by providing you with additional savings and Takaful protection.

Who can take up this plan?

This plan is open to you if you're aged between 19 and 60 years on your next birthday.

How do I earn the loyalty bonus and Hajj allowance?

You will receive your loyalty bonus when you:

Perform Hajj (as a Hajj allowance), or
Survive until the end of the plan, or
Become totally and permanently disabled, or
Pass away

In addition, your loyalty bonus will continue to grow even after you have received it as a Hajj allowance for as long as you continue to pay the contributions. The loyalty bonus will be payable subject to the events mentioned above.

How does PruBSN arrange for Badal Hajj?

In the unfortunate event of your death or total and permanent disability before you are able to perform Hajj, we will make the arrangements for Badal Hajj to be performed on your behalf. We will pay RM3,000 to your nominee (preferably your next of kin aged 18 years and above) or TH Travel & Services Sdn Bhd for them to appoint a qualified individual to perform Badal Hajj for you.

How can Giro Takaful Hajj give me extra coverage?

Giro Takaful Hajj benefits are enhanced with the Contributor rider benefit. This rider will pay your Giro Takaful Hajj annual contributions should you be diagnosed with a covered critical illness.

What are the charges involved in Giro Takaful Hajj?

The basis of Giro Takaful Hajj is the Wakalah Mudharabah model where we put your contributions into your account after we take a portion of it as Wakalah charge. This is a fee for the services we provide.

The table below lists the details of the Wakalah and other charges.

The type of charges

Details of charges

Upfront Wakalah charge

Certificate Year

Percentage of contribution

1	2	3	4 - 5	6 - 7	8 - 9	10	11
55%	35%	30%	25%	20%	15%	10%	5%

Risk management Wakalah charge

We take 35% from your Tabarru' deduction monthly for risk management of the Tabarru' fund

Tabarru'

We deduct an amount monthly based on your age, gender, health status, amount of coverage and the duration of the coverage

Note: The upfront Wakalah charge is for certificates with term of 25 years or more. For certificates with term less than 25 years, it will be reduced accordingly. Please refer to the plan illustration for more detailed information.

The Takaful protection comes from your Tabarru' (donation) that we put in the Tabarru' Fund. Any surplus from the Tabarru' Fund will be given back to you after we have set aside an amount as contingency reserve.

How does sharing of Investment Profit on Mudharabah Principles work?

The Mudharabah allows you to share any investment profit from your account and Tabarru' Fund. You will receive 80% of the profit while we will receive 20% from it. Your profit will be placed back into your account and Tabarru' Fund respectively.