The latest product from PruBSN Takaful especially for moslem!!
1) Spiritual fulfillment, Protection and Savings...all in one
Many people plan for the big things in life. We plan for a good life and we plan for the well being of our loved ones. In our pursuit for all these good things in life, as Muslims, we ought to also prepare for spiritual fulfillment.
2) What is PruBSN Ummah?
PruBSN Ummah is a family Takaful plan designed to cater to Muslims’ spiritual as well as worldly needs. This plan provides you with protection and savings, as well as benefits that will assist you with your spiritual quest.
3) What are the benefits that PruBSN Ummah can offer?
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:
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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.
²A waiting period of 3 years is applicable.
4) Who can take up this plan?
This plan is for people aged between 19 – 60 years old next birthday who want a plan that not only gives them protection and savings, but also assists them in fulfilling their religious obligations.
5) What is the loyalty bonus and Hajj allowance, and how do I earn it?
5) How can I enhance PruBSN Ummah coverage?
You may enhance your PruBSN Ummah benefits with the following options with additional contributions.
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. |
6) How do I benefit from Islamic Will Writing services?
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
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