PRU BSN TAKAFUL PLAN

i. FIRST LINK ~19 to-25years old

~Achieve First Bonus $500.00
~Buying first house,arriage,child !irth,urah,ha"i
~#nvoluntarily $ne%loyent Benefit
~&lan till age '0 or 100 (can choose).
~*o%leted %ost graduate, degree,+aiting %eriod , years digi!le(either one)
ii. SMART LINK ~1 to 1' years old
~-ducation &lan
~.in $100/onth
~*an choose 0 atures at age 25 or e1%ires '0 or 100 years old
Excellent Academic Achievements Awad
Edu Smart
Bonus (ESB)
Exam Minimum
Achieveme
nt
Award
Payout
example
for yearly
protection
contributio
n
$&23 5A
504 fro annual &$A
3.500 3.1,200
contri!ution
&.3 6A
1004 fro annual &$A
3.1,200 3.2,700
contri!ution
2&. 'A
1504 fro annual &$A
contri!ution
3.1,'00 3.,,500
28&. or
28A.
7A
1504 fro annual &$A
contri!ution
3.1,'00 3.,,500
9i%loa or
9egree
,.5 *:&A/ 1
st
*lass
2004 fro annual &$A
contri!ution
3.2,700 3.7,'00

iii. TAKAFULINK ~25 to 60 years old
~8ill age '0 or 100
~8&9 u% age 60
~.a1iu 2u *overed u% to 3. 7 illion
~;oyalty Bonus.(First %ayent-on 120
th
certificate onth
~*ritical illness !enefit u% to 3., illion
BASIC INFORMATION REQURIMENT

1. Agent Information<
Agent code - #si=an no 12,
Agent nae - #si=an nae
>clic= ne1t
2 Main Participant Pro!le
!"cc#$ati%n ~&lass ' ( )"*ce+
~ &lass , ( )"*ce -L#a+
~ &lass . ( )Baha/a0Technician etc+
~ &lass 1 ( )San2at Baha/a &th3P%lis45ive l%i+

" Product Selection
Ta6a7#lin6 ~ Pa/ment $e8#enc/ )$ilih /an2 ses#ai09e6enaan+
~ Pa/ment meth%d )$ilih /an2 ses#ai 0 9e6enaan+
# $und Allocation
:5ana U#s ; isi6% sedehana4#nt#n2 sedehana
: 5ana B%n ; isi6% endah 4 #nt#n2 endah
: 5ana E8#iti ; isi6% tin22i4 #nt#n2 tin22i
: 5ana E8#iti 5inasti ; isi6% tin22i4 #nt#n2 tin22i )5ila9# di 5ana Islam di
&hina+
5. Takafulink
: B#d2eted &%nti9#ti%n 3RM<<<<<<<<<<<<<<
)Ba/aan Pemi#m+
: An22aan 6ada Ba/aan )Kada Ba/aan Min 6elas $etama dan 6ed#a+
Um#3 '('= Tah#n <<<<<<<<
'=(,> Tah#n <<<<<<<<
,>(,= Tah#n <<<<<<<<
,=(.> Tah#n <<<<<<<<
.>(1> Tah#n <<<<<<<<
1'(1= Tah#n <<<<<<<
1?(=> Tah#n <<<<<<<<
='(== Tah#n <<<<<<<<
Le9ih == Tah#n <<<<<<<

a) Plan %ewasa
?%tion 1< 1,2,7,5,',9,12,21 (&elan yang !iasa di!eri=an ut= !udget sederhana 3.150-3.200 se!ulan).@i=a
ada !udget le!ih a!il coverage no 7,5,6,11,17. ?%tion 2< ada client yg na= saving . *aranya adalah dgn =eluar=an
edical card atau ta!ah %ru saver no 2,. Aanya !agi %lan no 1,2, 5,21 saha"a. @i=a na= saving !anya= lagi
asu==an %ru saver no 2,.
b) Plan &ana'(&ana'
?%tion 1< *overage Bang !iasa <1,2,5,9,12,21, 25. @i6a na6 savin2 9an/a6 sila tam9ah n% ,,)P#
Save+ . B#d2et dlm RM''>. @i6a ada 9#d2et le9ih 9%leh mas#66an n% 14 A. "$ti%n 6e,3
@i6a $%s$e6 mah# 7%c#s $ada savin2 shB. &aan/a han/a 9a2i c%ve n% '4,4?4,'4,=.
@i6a na6 savin2 9an/a6 la2i 9a2i c%ve n% ,,. @i6a $%s$e6 9e#m# le9ih 'C Tah#n
6ena si2n sendii 9%an2

Product %iscription ()erm Produ')
1. Takafulink Ct! RM"#$### ~ .anfaat ati !iasa.
~ Bunuh diri le%as 12 !ulan !aru cover.
~ ;e%as !ayar first %reiu hanya cover ati s!! accident.

%. Cri&i& S!ile' RM"#$### ~ Bayaran %a%asan lu% su "i=a =ena salah satu dari ,5 sa=it =riti=al.
()* &akit kritikal+ ~ *overage cover le%as 50 hari dari %olisi lulus
~ *th<@i=a da%at %a%asan 3.70,000 "ia= ati le%as tu
ta= da%at lagi %a%asan no 1
). Cri&i& Co,er -lu& .&a%asan lu% su "i=a engida% salah satu dari ,5 sa=it =riti=al
Conto!RM"#$### ("i=a dah da%at cover no ,, %a%asan no 1 a=an teta%
da%at se%enuhnya C %a%asan Do 1 ditola= %a%asan Do ,.
# *ompasionate Bene!t ~Khaiat 6ematian RM,>>>('>4>>>
( *th 2+++) ~ 5i9a/a 9ila diseta6an salinan s#at
mati.
5. Ba&i/ En!an/er ~Eenai=an Basic 2u.Assured(anafaat =eatian) secara teta%
~Tah#n BeneDt3Ke Ke =
th
4C
th
4''
th
E '1
th
P%lisi

~Nilai 0 Unit Fal#e3 RM=4>>> 0 #nit
~Min ' #nit E Ma6sim#m C #nit B%leh am9il

*. A//i'ent 0eat! 1 0i&a2lement ~ *th<&a%asan 3.100,000 "i=a lu%uh .
(Ct! 1##$###+ ~ &a%asan =eatian =erana =ealangan <
*th< (RM1##$### 3 RM"#$### 4 RM1"#$###+ .Co,er No 1 3 *
~ &a%asan "i=a ati s!! =ealangan di =enderaan,
te%at a+a,dl lif,%anggung +ayang.
*th<(RM%##$### 3 RM"#$### 4 RM%"#$###+
.Co,er No * 5 % 3 No 1

6. A//i'ent Me'i/al ~ Bayaran !il untu= =ealangan saha"a (%ayFclai)
Reim2ur&ement ~ ?ut %atient(%esa=it luar saha"a)
. RM%###7RM1#$### %er accident.
8. 9eekl: In'emnit: ~ -laun .* s!! =ealangan saha"a.
~ 1 unit !ersaaan 3.100/seinggu.
~ .a1iu 17 unit !oleh dia!il(1700.00 seinggu)
;. Takaful <ealt! (T<+% Benefit S/!e'ule
NE9 -=AN T<%
-=AN15#
T<%
-=AN %##
T<%
-=AN %5#
T<%
-=AN )##
T<%
-=AN "##
(A+ <o&>ital an' Surgi/al A& /!arge' A& /!arge' A& /!arge' A& /!arge' A& /!arge'
<o&>ital 0ail: Room 1 Boar' Benefit
(1%# 'a:& >er :ear+
RM15# RM%## RM%5# RM)## RM"##
(B+ Out>atient Treatment ? A& /!arge' A& /!arge' A& /!arge' A& /!arge' A& /!arge'
Emergen/: Treatment for A//i'ental
In@ur: (Annual =imit+
RM1$### RM1$5## RM%$### RM)$### RM"$###
Annual =imit 5#$### *%$5## 65$### 1##$### 15#$###
=ifetime =imit 5##$### *%5$### 65#$### 1$###$### 1$5##$###
No Claim Bonu& 1## 15# )## "## 5##

S:arat -enggunaan Aa'
( B%leh 2#na hin22a sam$ai #m# A> tah#n G C> tah#n.
( Ba/aan diect 6e h%s$ital $a6a den2an s/aat waded min ? Bam.
(dl !il ada roo charge).
-Boleh guna l%s ,0 hari dr tari=h =ad =ecuali accident !lh guna serta- erta l%s lulus.
-Boleh guna untu= seua %enya=it dengan syarat asu= +ad in 5 "a =ecuali sa=it-sa=it !eri=ut<
.engandung, Eo%li=asi engandung, Bersalin, :ila, 2a=it :igi,
-9ala te%oh , !ln %ertaa !lh guna =ad tt% !ayar dulu, !aru clai.
-2a=it-sa=it !eri=ut !oleh guna le%as 120 hari.
9arah tinggi,dia!etis ellitus,"antung =ardiovas=ular,tuor,=anser,sista,nodul,%oly%s,!atu =arang,
Batu dl syste !iliari,seua sa=it hidung te=a= dan telinga,9an telinga terasu=
sinus(-D8),hernia,heoriod,fistula,Aidrosela,vari=osela,endoesrtosis terasu= %enya=it dl syste
%e!ia=an,ganguan s%ina verte!ra dan %enya=it lutut.
G?%tion E? 8a=aful 104 dari "ulah !il in 3.,00 a=siu 3.1000. 9educta!le ?%tion 3.,000 dan
3.10,000

'>. ME5I& ESSENTIAL
BeneDt ME'=> ME,>> ME,=> ME.>> ME1>>
Aos%ital Benefit
(.a1 100 days %er anne1ure year)
3.150/day 3.200/day 3.250/day 3.,00/day 3.700/day
#*$ Benefit , #n Aos%ital and
3elated 2ervice Benefit>
3.,00/day 3.700/day 3.500/day 3.500/day 3.'00/day
2urgical !enefit , #n Aos%ital and
3elated 2ervice Benefit>
As charged
9aily 2urgery Benefit As charged
-ergency Accidental
8reatent Benefit

3. 1000
&er Accident
?verall Annual ;iit 3. 10,000 3. 15,000 3. 20,000 3. ,0,000 3. 70,000
*o- 8a=aful
104 of
eligi!le
e1%enses
su!"ect to
a1iu of
3. 1,000
>8F* a%%lies
11. Me'i/al Co,er ~ -laun %e!edahan .
~ 1 unit a1 %a%asan 3.2500(i=ut =elaya=an)
~ @i=a +arded a=an da%at
i) 3.50.00 elaun harian.
ii) .asu= #*$-3.100.00/day elaun harian.
,2 <o&>ital Benefit ~ 1 unit !ersaaan 3.50/day.
Elaun <o&>ital+ ~ .a1iu ' unit saha"a !oleh !eli coverage or 3.700 sehari
~ Do 11 dan 12 co!ine a1iu ' unit saha"a C 700 sehari
," Cri&i& Co,er In/ome ~Bayaran %a%asan tahunan (%.a) "i=a disah=an
(/t!1### >.a+ enghida% %enya=it =riti=al
Ct!1### &eta!un$B &eta!un @umla! :ang 'ike!en'aki
1". 0i&a2ilit: -ro,i'er (>.a+ ~ -laun %a%asan tahunan a=i!at lu%uh.
&eta!un /t!RM%### Seta!un
. maC !an:a 1#D 'ari>a'a &um a&&ure' No I
15. =ega/: In/ome Benefit .2hould the covered %erson die, %ays yearly !enefit for
20 years on each anniversary year on the death of
*overed %erson,
OR
~;u% su %ayout on a discounted aount
2et at , 4 %.a ?f 2u Assured (Do 1)
1*. Famil: In/ome Benefit ..onthly !enefit %ayent for 120 ths,
#f the covered %erson dies,lu%uh or sa=it =riti=al
A%%lica!le once %artici%ant attained age 19
16.
TH RETIREMENT

EF@@AF&3EFF@99BAFAFA
Autoatically s+itch the
deducti!le o%tion to co-
8a=aful +hen attained age
55
18. ?Annual =imit 9ater ~*lause ut= engha%us=an had tahunan
~8eta%i dgn syarat edical card 8A200 dan =eatas saha"a
~*annot co e1ist +ith 8A Auto $%grade F 9educti!le ?%tion
(8a= !oleh a!il serenta= dengan Do 19)
TH AUT" UPIRA5E
1;.
Features >Auto u%grade 8A2 %lan 5
th
F 10
th
rider !enefit anniversary
-ndorseent >Autoatically cancelled if endorseent reHuired
&rocess >8A2 %lan +ill !e u%grade regardless of clai history F edical condition
>-very tie 8A2 %lan u%graded,%artici%ant +ill receive ne+ edical card F
endorseent sli%
*ondition >*annot co e1ist +ith 8A annual ;iit Iaiver
TH AUT" UPIRA5E &"NTINUE5
&etiDcate
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c%nti9#ti%n will
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)- A.)/ .P01A%E */2)32.E%

Plan
)-2
Plan 4++
)-2
Plan 5++
2o claim B/2.S 5++ 6++
(A) -ospital and Sur7ical
-ospital %aily 1oom 8 Board Bene!t
(,2+ days per year)

1M4++

1M5++
(B) /utpatient )reatment9
Emer7ency )reatment for Accidental
3n:ury (Annual ;imit)

1M4<+++

1M5<+++
Annual ;imit 2++<+++ 24+<+++
;ifetime ;imit 2<+++<+++ 2<4++<+++
>2u!"ect to co-8a=aful
%#. T< OEERSEAS
=hat> *overs selected edical treatent in overseas
=hich *ountry> 2inga%ore,Aong Eong,*hina,#ndia
*laim Method> 3ei!urseent Basis
Event *overed>
2urgery related to cancer
Deurosurgery
*oronary artery !y%ass surgery
Aeart valve surgery
?rgan trans%lant surgery>
Eidney,lung,liver,heart,%ancreas F !one arro+ trans%lant only
*overed %erson ust !e the receiver
%1. Contri2utor
(9i,er -remium+ ~ Bayar %reiu !ulanan a=an en"adi free/+aiver "i=a
%olicy holder =ena 1 dari%ada ,5 sa=it =riti=al atau lu%uh.

%%. Takaful Sa,er ~ Eaedah untu= ena!ah "ulah saving /investent
a=aun ta=aful.
~ 954 dari%ada !ayaran caruan a=an diguna=an untu=
investent.
~.a1iu 5 =ali ganda dari !ayaran !ulanan.
~ 9uit !oleh di=eluar=an !ila-!ila asa.
%). Takaful Sa,er Contri2utor ~ Bayaran 8a=aful 2aver a=an en"adi Iaive "i=a %olicy
holder disah=an engida% sa=it =riti=al atau lu%uh.
~Bayaran !ulanan a=an Free.
%". S>ou&e Contri2utor ~ Bayaran %reiu !ulanan a=an "adi Iaive "i=a F suai atau isteri
( %e!ayar )ati,sa=it,=riti=al atau lu%uh.
~2i%anan dan coverage %lan asih !erterusan seuur
Aidu%, dan &rudential a=an terus=an !ayaran.
%5. -arent Contri2utor ~ Bayaran %reiu !ulanan a=an "adi Iaive "i=a %e!ayar
ayah dan i!u ati,sa=it =riti=al atau lu%uh.
~ 2i%anan dan coverage asih !erterusan hingga uur
25 tahun.
%*. Foint Contri2utor ~&olisi "adi free "i=a salah seorang dari%ada %ayor ayah C i!u ati,
2a=it =riti=al atau lu%uh se!elu 60 tahun.
%6. Takaful Sa,er Foint Contri2utor ~8a=aful 2aver "adi free "i=a salah seorang dari%ada %ayor ayah C i!u
.ati,sa=it =riti=al atau lu%uh se!elu 60 tahun.
-ROS-EA SAAIT ATAU -ERNA< SAAIT INGIN MEMBE=I -O=ISI
?rg yg dah sa=it, 8erlalu geu= "uga !oleh a!il %olisi insurans, =ecuali yg telah engida% sa=it =riti=al, =encing
anis.Ealau sa=it %erlu declare sila i=ut %anduan !orang. Ada !e!era%a =eadaan %erlu !uat "i=a %ros%e= sa=it atau
%e!ayar sa=it,
%erlu declare =edaan =esihatan
1. client %erlu !uat edical chec= u% atau %un se=adar !eli la%oran %eru!atan dari hos%ital yg dia %ernah %ergi
atau +arded
2. sele%as !uat .- atau la%oran %eru!atan a=an di serah %ada &rudential. &rudential a=an !uat =e%utusan
s%t !eri=ut.
i) sa=it saa ta= cover teta%i sa=it2 lain cover
ii) sa=it saa cover tan%a ada %egeculian, teta%i harga ahal sedi=it
iii) decline atau %rudential tola= %erohonan =erana terlalu !erisi=o tinggi
iv) %rudential a=an hanya cover anafaat =eatian dan =ealangan sa"a.
v) &rudential inta client da%at=an atau selesai=an ra+atan terle!ih dulu !aru ohon =e!ali.
Juality !usiness
Eualiti !usiness sgt %enting. #a ut= %asti=an incoe !erterusan, da%at !onus, tri% luar Degara
;ela=i hanya yang incoe le!ih 3.2000, dan %ere%uan incoe le!ih 3.1500.
*ara Bayaran
Aanya !ayaran engguna=an =ad =redit, !iro ang=asa (ta=aful), auto de!it di!enar=an. @i=a !ayaran guna =eadah
cash sila inta !ayaran lu% su setahun.