PRU BSN TAKAFUL PLAN

i.

FIRST LINK ~19 to-25years old

ii.

SMART

~Achieve First Bonus $500.00

~Buying first house,marriage,child birth,umrah,haji
~Involuntarily Unemployment Benefit
~Plan till age 80 or 100 (can choose).
~Completed post graduate, degree,waiting period 3 years digible(either one)
LINK ~1 to 18 years old
~Education Plan
~Min $100/month
~Can choose matures at age 25 or expires 80 or 100 years old

Excellent Academic Achievements Award

Edu Smart
Bonus (ESB)
Exam

Payout
example
for yearly
protection
contributio
n

Minimum
Achieveme
nt

Award

UPSR

5A

PMR

7A

RM1,200

RM2,400

SPM

8A

50% from annual PUA

contribution
100% from annual PUA
contribution
150% from annual PUA
contribution

RM1,800

RM3,600

STPM or
STAM
Diploma or
Degree

4A

150% from annual PUA

contribution

RM1,800

RM3,600

3.5 CGPA/ 1st

Class

200% from annual PUA

contribution

RM2,400

RM4,800

iii.

RM600

TAKAFULINK ~26 to 70 years old

~Till age 80 or 100
~TPD up age 70
~Maximum Sum Covered up to RM 4 million
~Loyalty Bonus.(First payment-on 120th certificate month
~Critical illness benefit up to RM3 million

BASIC INFORMATION REQURIMENT

1.

Agent Information:
Agent code - Isikan no 123
Agent name - Isikan name
*click next

2.

3.

Main Participant Profile

#Occupation ~Class 1 - (Office)
~ Class 2 - (Office +Luar)
~ Class 3 - (Bahaya/Technician etc)
~ Class 4 - (Sangat Bahaya Cth:Polis,Driver lori)
Product Selection

RM1,200

Takafulink

~ Payment prequency (pilih yang sesuai/berkenaan)

~ Payment method (pilih yang sesuai / berkenaan)
Fund Allocation
*Dana Urus risiko sederhana,untung sederhana
* Dana Bon risiko rendah , untung rendah
* Dana Equiti risiko tinggi, untung tinggi
* Dana Equiti Dinasti risiko tinggi, untung tinggi (Dilabur di Dana Islam di

4.

China)
5.

Takafulink

* Budgerted Contribution :RM______________

(Bayaran Premium)
* Anggaran kadar Bayaran (Kadar Bayaran Min kelas pertama dan kedua)
Umur:
1-15 Tahun ________
15-20 Tahun ________
20-25 Tahun ________
25-30 Tahun ________
30-40 Tahun ________
41-45 Tahun _______
46-50 Tahun ________
51-55 Tahun ________
Lebih 55 Tahun _______

a) Plan Dewasa
Option 1: 1,2,4,6,8,9,12,21 (Pelan yang biasa diberikan utk budget sederhana RM150-RM200 sebulan).Jika
ada budget lebih ambil coverage no 4,6,7,11,14. Option 2: ada client yg nak saving . Caranya adalah dgn keluarkan
medical card atau tambah pru saver no 23. Hanya bagi plan no 1,2, 6,21 sahaja. Jika nak saving banyak lagi
masukkan pru saver no 23.

b) Plan Kanak-Kanak
Option 1: Coverage Yang biasa :1,2,6,9,12,21, 25. Jika nak saving banyak sila tambah no 22(Pru
Saver) . Budget dlm RM110. Jika ada budget lebih boleh masukkan no 4, 7. Option ke2:

Jika prospek mahu focus pada saving shj. Caranya hanya bagi cover no 1,2,6,21,25.
Jika nak saving banyak lagi bagi cover no 22. Jika prospek berumur lebih 18 Tahun
kena sign sendiri borang

Product Discription (Term Produk)

1.

Takafulink :Cth RM40,000 ~ Manfaat mati biasa.

~ Bunuh diri lepas 12 bulan baru cover.
~ Lepas bayar first premium hanya cover mati sbb accident.

2.

Crisis Shiled : RM40,000 ~ Bayaran pampasan lump sum jika kena salah satu dari 36 sakit kritikal.
(36 sakit kritikal)
~ Coverage cover lepas 60 hari dari polisi lulus
~ Cth:Jika dapat pampasan RM40,000 jiak mati lepas tu
tak dapat lagi pampasan no 1

3.

Crisis Cover Plus

~Pampasan lump sum jika mengidap salah satu dari 36 sakit kritikal
Contoh:RM40,000 (jika dah dapat cover no 3, pampasan no 1 akan tetap
dapat sepenuhnya @ pampasan No 1 ditolak pampasan No 3.

4. Compasionate Benefit
( Cth 2000)

~Khairat kematian RM2000-10,000

~ Dibayar bila disertakan salinan surat

mati.

5.

Basic Enhancer

~Kenaikan Basic Sum.Assured(manafaat kematian) secara tetap

~Tahun Benefit:Ke Ke 5th,8th,11th & 14th Polisi

~Nilai / Unit Value: RM5,000 / unit
~Min 1 unit & Maksimum 8 unit Boleh ambil
6. Accident Death & Disablement ~ Cth:Pampasan RM100,000 jika lumpuh .
(Cth : 100,000)
~ Pampasan kematian kerana kemalangan :
Cth: (RM100,000 + RM40,000 = RM140,000) ~Cover No 1 + 6
~ Pampasan jika mati sbb kemalangan di kenderaan,
tempat awam,dlm lif,panggung wayang.
Cth:(RM200,000 + RM40,000 = RM240,000)
~Cover No 6 2 + No 1
7. Accident Medical
Reimbursement
8. Weekly Indemnity

~ Bayaran bil untuk kemalangan sahaja (pay&claim)

~ Out patient(pesakit luar sahaja)
~ RM2000-RM10,000 per accident.
~ Elaun MC sbb kemalangan sahaja.
~ 1 unit bersamaan RM100/seminggu.
~ Maximum 14 unit boleh diambil(1400.00 seminggu)

9. Takaful Health (TH)2 Benefit Schedule

NEW PLAN

TH2
PLAN150

TH2
PLAN 200

TH2
PLAN 250

TH2
PLAN 300

TH2
PLAN 400

As charged

As charged

As charged

As charged

As charged

RM150

RM200

RM250

RM300

RM400

As charged

As charged

As charged

As charged

As charged

Emergency Treatment for Accidental

Injury (Annual Limit)

RM1,000

RM1,500

RM2,000

RM3,000

RM4,000

Annual Limit

50,000

62,500

75,000

100,000

150,000

Lifetime Limit

500,000

625,000

750,000

1,000,000

1,500,000

No Claim Bonus

100

150

300

400

500

(A) Hospital and Surgical

Hospital Daily Room & Board Benefit
(120 days per year)
(B) Outpatient Treatment *

Syarat Penggunaan Kad:

- Boleh guna hingga sampai umur 70 tahun @ 80 tahun.

- Bayaran direct ke hospital pakar dengan syarat warded min 6 jam.
(dlm bil ada room charge).
-Boleh guna lps 30 hari dr tarikh kad kecuali accident blh guna serta- merta lps lulus.
-Boleh guna untuk semua penyakit dengan syarat masuk wad min 6 jam kecuali sakit-sakit berikut:
Mengandung, Komplikasi mengandung, Bersalin, Gila, Sakit Gigi,
-Dalam tempoh 3 bln pertama blh guna kad ttp bayar dulu, baru claim.
-Sakit-sakit berikut boleh guna lepas 120 hari.
Darah tinggi,diabetis mellitus,jantung kardiovaskular,tumor,kanser,sista,nodul,polyps,batu karang,
Batu dlm system biliari,semua sakit hidung tekak dan telinga,Dan telinga termasuk
sinus(ENT),hernia,hemoriod,fistula,Hidrosela,varikosela,endomesrtosis termasuk penyakit dlm system
pembiakan,ganguan spina vertebra dan penyakit lutut.
#Option KO Takaful 10% dari jumlah bil min RM300 maksimum RM1000. Deductable Option RM3000 dan
RM10,000

10. MEDIC ESSENTIAL

Benefit

ME150

ME200

ME250

ME300

ME400

Hospital Benefit
(Max 100 days per annexure year)
ICU Benefit , In Hospital and
Related Service Benefit*

RM150/day

RM300/day

RM200/day

RM400/day

RM250/day

RM500/day

Surgical benefit , In Hospital and

Related Service Benefit*

As charged

Daily Surgery Benefit

As charged

Emergency Accidental
Treatment Benefit

RM 1000
Per Accident

Overall Annual Limit

Co- Takaful

*T&C applies
11. Medical Cover

RM 10,000

RM 15,000

RM 20,000

RM300/day

RM400/day

RM600/day

RM800/day

RM 30,000

RM 40,000

10% of
eligible
expenses
subject to
maximum of
RM 1,000
~ Elaun pembedahan .
~ 1 unit max pampasan RM2500(ikut kelayakan)
~ Jika warded akan dapat
i) RM50.00 elaun harian.
ii) Masuk ICU-RM100.00/day elaun harian.

12.

~ 1 unit bersamaan RM50/day.

~ Maximum 8 unit sahaja boleh beli coverage or RM400 sehari
~ No 11 dan 12 combine maximum 8 unit sahaja @ 400 sehari

13.

~Bayaran pampasan tahunan (p.a) jika disahkan

menghidap penyakit kritikal
Cth:1000 setahun,@ setahun jumlah yang dikehendaki

14. Disability Provider (p.a)

setahun

~ Elaun pampasan tahunan akibat lumpuh.

cth:RM2000 Setahun
~ max hanya 10% daripada sum assured No I

15. Legacy Income Benefit

~Should the covered person die, pays yearly benefit for

20 years on each anniversary year on the death of
Covered person,

Hospital Benefit
Elaun Hospital)

Crisis Cover Income

(cth:1000 p.a)

OR
16. Family Income Benefit

~Lump sum payout on a discounted amount

Set at 3 % p.a Of Sum Assured (No 1)
~Monthly benefit payment for 120 mths,
If the covered person dies,lumpuh or sakit kritikal
Applicable once participant attained age 19

17.

TH RETIREMENT
KFJJHFPRKFFJDDYHFHFH

Automatically switch the

deductible option to coTakaful when attained age
55

If participant change
the deductible option
to co-Takaful prior
attaining age 55,TH
Retirement will be
automatically
cancelled

Attachable if
participant
choose the
deductible
option

Participant must
choose Deductible
Option to opt this
rider
18. *Annual Limit Water

Upon age 55
contribution will
not charge

~Clause utk menghapuskan had tahunan

~Tetapi dgn syarat medical card TH200 dan keatas sahaja
~Cannot co exist with TH Auto Upgrade & Deductible Option
(Tak boleh ambil serentak dengan No 19)

TH AUTO UPGRADE
19.

Features

*Auto upgrade TH2 plan 5th & 10th rider benefit anniversary

Endorsement

*Automatically cancelled if endorsement required

Process

*TH2 plan will be upgrade regardless of claim history & medical condition
*Every time TH2 plan upgraded,participant will receive new medical card &
endorsement slip

Condition

*Cannot co exist with TH annual Limit Waiver

TH AUTO UPGRADE CONTINUED

Certificate
Year
Year 11
onwards
Year 6 to

Plans
TH2
Plan250
TH2

TH2
Plan300
TH2

TH2
Plan400
TH2

TH2
Plan500
TH2

TH2
Plan600
TH2

10

Plan200

Plan250

Certificate
Year

Plan300

Plan400

Plan500

Pl
ans

Year 1 to 5

TH2
Plan150

TH2
Plan200

TH2
Plan250

TH2
Plan300

TH2
Plan400

TH AUTO UPGRADE CONTINUED

Plan

TH2
Plan 500

TH2
Plan 600

No claim BONUS

600

700

RM500

RM600

Emergency Treatment for Accidental

Injury
(Annual Limit)

RM5,000

RM6,000

Annual Limit

200,000

250,000

Lifetime Limit

2,000,000

2,500,000

(A)

Hospital and Surgical

Hospital Daily Room & Board Benefit

(120 days per year)
(B)

Outpatient Treatment*

*Subject to co-Takaful

20. TH OVERSEAS
What? Covers selected medical treatment in overseas
Which Country? Singapore,Hong Kong,China,India
Claim Method? Reimbursement Basis
Event Covered?

Surgery related to cancer

Neurosurgery

Coronary artery bypass surgery

Heart valve surgery

Organ transplant surgery*

Kidney,lung,liver,heart,pancreas & bone marrow transplant only
Covered person must be the receiver
21. Contributor
(Wiver Premium)

~ Bayar premium bulanan akan menjadi free/waiver jika

policy holder kena 1 daripada 36 sakit kritikal atau lumpuh.

22. Takaful Saver

~ Kaedah untuk menambah jumlah saving /investment

akaun takaful.
~ 95% daripada bayaran caruman akan digunakan untuk
investment.
~Maximum 5 kali ganda dari bayaran bulanan.
~ Duit boleh dikeluarkan bila-bila masa.

23. Takaful Saver Contributor

~ Bayaran Takaful Saver akan menjadi Waive jika policy

holder disahkan mengidap sakit kritikal atau lumpuh.

~Bayaran bulanan akan Free.

24. Spouse Contributor

~ Bayaran premium bulanan akan jadi Waive jika & suami atau isteri
( pembayar )mati,sakit,kritikal atau lumpuh.
~Simpanan dan coverage plan masih berterusan seumur
Hidup, dan Prudential akan teruskan bayaran.
25. Parent Contributor
~ Bayaran premium bulanan akan jadi Waive jika pembayar
ayah dan ibu mati,sakit kritikal atau lumpuh.
~ Simpanan dan coverage masih berterusan hingga umur
25 tahun.
26. Joint Contributor
~Polisi jadi free jika salah seorang daripada payor ayah @ ibu mati,
Sakit kritikal atau lumpuh sebelum 70 tahun.
27. Takaful Saver Joint Contributor ~Takaful Saver jadi free jika salah seorang daripada payor ayah @ ibu
Mati,sakit kritikal atau lumpuh sebelum 70 tahun.

PROSPEK SAKIT ATAU PERNAH SAKIT INGIN MEMBELI POLISI

Org yg dah sakit, Terlalu gemuk juga boleh ambil polisi insurans, kecuali yg telah mengidap sakit kritikal, kencing
manis.Kalau sakit perlu declare sila ikut panduan borang. Ada beberapa keadaan perlu buat jika prospek sakit atau
pembayar sakit,
perlu declare kedaan kesihatan
1. client perlu buat medical check up atau pun sekadar beli laporan perubatan dari hospital yg dia pernah pergi
atau warded
2. selepas buat ME atau laporan perubatan akan di serah pada Prudential. Prudential akan buat keputusan
spt berikut.
i)
ii)
iii)
iv)
v)

sakit sama tak cover tetapi sakit2 lain cover

sakit sama cover tanpa ada pegeculian, tetapi harga mahal sedikit
decline atau prudential tolak permohonan kerana terlalu berisiko tinggi
prudential akan hanya cover manafaat kematian dan kemalangan saja.
Prudential minta client dapatkan atau selesaikan rawatan terlebih dulu baru mohon kembali.

Quality business
Kualiti business sgt penting. Ia utk pastikan income berterusan, dapat bonus, trip luar Negara
Lelaki hanya yang income lebih RM2000, dan perempuan income lebih RM1500.
Cara Bayaran
Hanya bayaran menggunakan kad kredit, biro angkasa (takaful), auto debit dibenarkan. Jika bayaran guna keadah
cash sila minta bayaran lump sum setahun.