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Friday, May 20, 2011


The latest product from PruBSN Takaful especially for moslem!!

Loyalty Bonus¹

This is benefit for being our loyal customer. You will earn this benefit when you complete your takaful period. Additionally, this 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 peace of mind during Hajj, you will also be given a Hajj allowance, which is a part of the loyalty bonus. The allowance is intended to supplement your expenses. You can also use it to ensure the financial needs of your family at home are taken care of whilst your perform your obligations in Mecca.

Withdrawals of savings for Hajj and Umrah

You can withdraw part of your savings from your account to supplement the need for your journey for Hajj or Umrah, subject to the following conditions:
  • Only 1 withdrawal is allowed for Umrah and Hajj each throughout the certificate term.
  • Withdrawals can only be made after the 5th certificate year
  • Each withdrawal must be at least RM500 and at most 70% of your account balance prior to withdrawing.
  • There must be a minimum balance of RM2,000 left in your account after withdrawal.

Death and Total and Permanent Disability Benefits (TPD)

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

You will receive double coverage i.e. takaful benefit amount, in the unfortunate case of your death or total and permanent disability (TPD) while performing your 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 for you.

Critical Illness Benefits

We will provide you with a part of your basic coverage amount as a financial assistance if you are diagnosed with a covered critical illness.
Futhermore, we will also ensure that your protection and savings in the plan will continue as the takaful contributions will be paid continuously for you.
This cover is optional for this plan.

Islamic Will Writing We will arrange for you basic Islamic Will Writing service managed by Amanah Raya Berhad. This service is optional.

¹Loyalty bonus is non guaranteed benefit and subject to terms and conditions. There is waiting period of 5 years before you are eligible for the benefit.
²A waiting period of 3 years is applicable.

The loyalty bonus that you receive as Hajj Allowance can either be used as your pocket money upon your confirmation to go for Hajj, or it can also be used to secure the financial needs of your loved ones at home while you perform Hajj.

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

Crisis Shield
Provides you with a part of your basic sum covered amount if you are diagnosed with a covered critical illness.

Contributor Pays for your annual PruBSN Ummah Takaful contributions if you are diagnosed with a covered critical illness.

The minimum monthly contribution is RM 50. However, your actual contribution amount shall depend on the following:
  • your age
  • your amount and term of coverage
  • your health status
  • your occupation (if applicable)
  • your gender
  • your payment method
  • the frequency of payment whether monthly, quarterly, half-yearly or yearly
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.
PruBSN Ummah is not a replacement for your Tabung Haji account. It complements your Tabung Haji savings by providing you with additional savings and takaful protection.


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