PRUDENTIAL BSN TAKAFUL BERHAD

INVESTMENT-LINKED PLAN ILLUSTRATION

Quotation For PruBSN TakafulLink

IWE

Details

Agent
Date

: MOHD HAFIZUDDIN BIN MUHAMMAD MF300015

: 20/9/2013

Person to be Covered

Name

: IWE

Gender
Smoking status
Occupation class
Date of birth

: Male
: Yes
: Class 2
: 20/06/1987

Age next birthday

: 27

Basic sum covered

Contribution
Payment frequency
Payment method
Tentative maturity date
Plan type
Charges

: RM 20,000
: RM 180.00
: Monthly
: Auto Debit
: 01/10/2066
: Regular Contribution Investment-Linked Takaful
: Wakalah Charge
Service Charge
Asset Management Charge

Fund(s) invested1

: 100% of TDU

(See Definition in Appendix for the description of the charges)

Details Of Plan
Name of Plan
Protection Unit Account (PUA):
Basic benefit:
PruBSN TakafulLink
Additional benefit(s):

Crisis Shield
Compassionate Benefit
Accidental Death and
Disablement
Accidental Medical
Reimbursement
Weekly Indemnity
Takaful Health2
Medical Cover
Hospital Benefit
Contributor

Term (years)

Sum Covered (RM)

Contribution (RM)

for 53 year(s)

20,000

25.00

for 53 year(s)
for 53 year(s)
for 43 year(s)

15,000
2,000
20,000

5.00
2.00
3.00

for 43 year(s)

2,000

3.00

for 43 year(s)
for 43 year(s)
for 43 year(s)
for 43 year(s)
for 53 year(s)

1
TH2 Plan 200 Zero Deductible
1
3
2,160

Unit(s)
Unit(s)
Unit(s)
p.a.

4.00
96.00
11.00
16.00
15.00

Total Protection Unit Account Contribution (A)

180.00

Total Monthly Contribution (A)

180.00

Note(s):
1 TDU - Takafulink Dana Urus
TDB - Takafulink Dana Bon
TDE - Takafulink Dana Ekuiti
TDED - Takafulink Dana Ekuiti Dinasti
IMPORTANT :
THIS IS A TAKAFUL PRODUCT THAT IS TIED TO THE PERFORMANCE OF THE UNDERLYING ASSETS, AND IT IS NOT A PURE INVESTMENT
PRODUCT SUCH AS UNIT TRUSTS
1. You should read this illustration together with the Fund Fact Sheet(s ) of the investment fund(s) which you have chosen. The Fund Fact Sheet(s )
contains all the important information that you will need to know regarding the investment fund(s).
2. For more information about the benefits of the basic plan and its additional benefits, please refer to the Appendix at the end of this plan illustration.

Presented by :
Date :
Version :

MOHD HAFIZUDDIN BIN MUHAMMAD MF300015

20/9/2013
SQS - Agency ver 2.3.0.7 a

Page 1 of 20

3. Since only between 40.00% and 70.00% of your annual contribution is allocated to buy units for the first four certificate years, while 95% top-up
and Takaful Saver are used to purchase units, you can maximise your investment value by minimising annual contribution and maximising
top-up and Takaful Saver rider contribution.
- Minimum annual contribution required for PruBSN TakafulLink: RM 1,200.
- Minimum top-ups allowed: RM 500.
4. Therefore, if your certificate involves a contribution of sizeable amount say RM5,000 and above, you should consider participating in single
contribution investment-linked certificate rather than a regular contribution certificate as single contribution plans offer better allocation rates
for investment.
5. Your investment-linked certificate will lapse if there are insufficient units in your fund to pay the required charges. Your units could be
insufficient over the years due to:
- high Tabarru' if you participate in a lot of riders, and especially if the charges are increased over time as you get older.
- poor investment returns.
- unpaid contributions - if you stop paying contributions for a long period of time.
6. The choice of funds selected should be based on, among others, your tolerance to risk. Please seek advice from your agent or PruBSN on your
tolerance to risk.
WARNING
YOUR TABARRU' WILL INCREASE AS YOU GET OLDER. IN THE LATER YEARS, IT IS POSSIBLE THAT THE ACCUMULATED FUND VALUE IS
NOT ENOUGH TO PAY FOR YOUR TABARRU' DUE TO POOR INVESTMENT RETURNS, WHICH WILL RESULT IN YOUR CERTIFICATE BEING
LAPSED. YOU MAY NEED TO INCREASE YOUR CONTRIBUTIONS OR REDUCE THE LEVEL OF TAKAFUL PROTECTION, IF YOU WANT TO
MAINTAIN YOUR CERTIFICATE. 2
2

You should request your agent to explain the Tabarru' to you and its effect on your future takaful coverage.

Presented by :
Date :
Version :

MOHD HAFIZUDDIN BIN MUHAMMAD MF300015

20/9/2013
SQS - Agency ver 2.3.0.7 a

Page 2 of 20

Quotation For PruBSN TakafulLink

IWE
SUMMARY ILLUSTRATION
This summary illustration is intended to show the movements of possible cash flows for the investment and the impact of charges on cash values based on illustration below.
The projected investment returns used below are for illustrative purposes and not meant to show possible returns of your chosen investment fund(s). They are not guaranteed and not
based on past performance.
Actual returns of the fund will fluctuate (i.e. rise or fall) each year based on the performance of the assets the fund invest in. The actual returns may even be below the projected rates or
negative.
All contributions and benefit amounts are stated in monetary value.
The below illustration assumes cross support between PUA and IUA.
Non-Guaranteed

End of
Certificate
Year

Age

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20

28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47

3
4
5

Death Sum
Covered
(RM)

22,000
22,000
22,000
22,000
22,000
22,000
22,000
22,000
22,000
22,000
22,000
22,000
22,000
22,000
22,000
22,000
22,000
22,000
22,000
22,000

Unallocated
Critical
Contribution
Illness
Allocated
Charge
Contribution Cumulative
Total
Sum 3
Contribution (Up Front Contribution Tabarru'
Paid
Covered
(RM)
(RM)
Wakalah
(RM)
(RM)
(RM)
Charge) 4
(RM)

15,000
15,000
15,000
15,000
15,000
15,000
15,000
15,000
15,000
15,000
15,000
15,000
15,000
15,000
15,000
15,000
15,000
15,000
15,000
15,000

2,160
2,160
2,160
2,160
2,160
2,160
2,160
2,160
2,160
2,160
2,160
2,160
2,160
2,160
2,160
2,160
2,160
2,160
2,160
2,160

2,160
4,320
6,480
8,640
10,800
12,960
15,120
17,280
19,440
21,600
23,760
25,920
28,080
30,240
32,400
34,560
36,720
38,880
41,040
43,200

1,296
1,296
1,080
648
432
432
0
0
0
0
0
0
0
0
0
0
0
0
0
0

864
864
1,080
1,512
1,728
1,728
2,160
2,160
2,160
2,160
2,160
2,160
2,160
2,160
2,160
2,160
2,160
2,160
2,160
2,160

559
569
709
717
761
767
781
796
815
839
857
871
907
961
1,054
1,145
1,235
1,305
1,390
1,508

Other
Charges
(Service
Charge)
(RM)

60
60
60
60
60
60
60
60
60
60
60
60
60
60
60
60
60
60
60
60

Projected Investment Return:

(X% p.a)
Asset
Management
Charge
(RM)

Cash Value
(RM)

Total Death
Benefit
(RM)

2
5
9
16
27
40
55
74
92
110
130
148
166
186
203
219
235
250
263
277

248
488
809
1,561
2,497
3,440
4,818
6,199
7,581
8,959
10,447
11,834
13,203
14,647
15,907
17,094
18,317
19,377
20,366
21,359

22,248
22,488
22,809
23,561
24,497
25,440
26,818
28,199
29,581
30,959
32,447
33,834
35,203
36,647
37,907
39,094
40,317
41,377
42,366
43,359

Projected Investment Return:

(Y% p.a)

Direct
Distribution
Asset
Cost 5
ManageTotal Death
(RM)
Cash Value
ment
Benefit
(RM)
Charge
(RM)
(RM)
2
5
9
17
29
44
61
83
106
129
155
182
209
239
268
297
329
360
391
425

254
512
863
1,673
2,709
3,800
5,387
7,053
8,799
10,624
12,653
14,675
16,780
19,069
21,283
23,537
25,944
28,309
30,727
33,281

22,254
22,512
22,863
23,673
24,709
25,800
27,387
29,053
30,799
32,624
34,653
36,675
38,780
41,069
43,283
45,537
47,944
50,309
52,727
55,281

864
864
540
540
324
324
0
0
0
0
0
0
0
0
0
0
0
0
0
0

This represents the sum covered for Crisis Shield and Crisis Cover Plus, whichever applicable. If the benefit payable for Crisis Shield, upon claim of critical illness is less than the death sum covered, the
plan will be continued with the excess of the death sum covered with the payment of contributions.
This represents a charge to your contribution and is used to meet the direct distribution cost and Prudential BSN Takaful Berhad (PruBSN) expenses.
Cost directly attributable to the distribution channel for the marketing of this certificate, i.e. payments to agent. This cost is paid from the charges that are imposed on your certificate for services that agent
will provide to you for the duration of your certificate.

Presented by :
Date :
Version :

MOHD HAFIZUDDIN BIN MUHAMMAD MF300015

20/9/2013
SQS - Agency ver 2.3.0.7 a

Page 3 of 20

Quotation For PruBSN TakafulLink

IWE
SUMMARY ILLUSTRATION

End of
Certificate
Year

Age

21
22
23
24
25
26
27
28
29
30

48
49
50
51
52
53
54
55
56
57

Death Sum
Covered
(RM)

22,000
22,000
22,000
22,000
22,000
22,000
22,000
22,000
22,000
22,000

Unallocated
Critical
Contribution
Allocated
Illness
Contribution Cumulative Charge
Total
Sum 3
Paid
Contribution (Up Front Contribution Tabarru'
(RM)
Covered
(RM)
(RM)
Wakalah
(RM)
(RM)
Charge)4
(RM)

15,000
15,000
15,000
15,000
15,000
15,000
15,000
15,000
15,000
15,000

2,160
2,160
2,160
2,160
2,160
2,160
2,160
2,160
2,160
2,160

45,360
47,520
49,680
51,840
54,000
56,160
58,320
60,480
62,640
64,800

0
0
0
0
0
0
0
0
0
0

2,160
2,160
2,160
2,160
2,160
2,160
2,160
2,160
2,160
2,160

1,593
1,665
1,792
1,931
2,078
2,190
2,300
2,476
2,658
2,820

Other
Charges
(Service
Charge)
(RM)

60
60
60
60
60
60
60
60
60
60

Non-Guaranteed
Projected Investment Return:
Projected Investment Return:
(X% p.a)
(Y% p.a)
Asset
Management
Charge
(RM)
288
299
309
317
322
328
330
331
331
327

Cash Value Total Death

Benefit
(RM)
(RM)

22,172
22,923
23,667
24,171
24,535
24,901
25,051
25,027
24,927
24,553

44,172
44,923
45,667
46,171
46,535
46,901
47,051
47,027
46,927
46,553

Asset
ManageCash Value Total Death
ment
Benefit
(RM)
Charge
(RM)
(RM)
452
475
499
521
541
562
581
598
615
629

35,024
36,757
38,537
40,129
41,629
43,182
44,569
45,827
47,057
48,056

Direct
Distribution
Cost 5
(RM)

57,024
58,757
60,537
62,129
63,629
65,182
66,569
67,827
69,057
70,056

This represents the sum covered for Crisis Shield and Crisis Cover Plus, whichever applicable. If the benefit payable for Crisis Shield, upon claim of critical illness is less than the death sum covered, the
plan will be continued with the excess of the death sum covered with the payment of contributions.

This represents a charge to your contribution and is used to meet the direct distribution cost and Prudential BSN Takaful Berhad (PruBSN) expenses.

Cost directly attributable to the distribution channel for the marketing of this certificate, i.e. payments to agent. This cost is paid from the charges that are imposed on your certificate for services that agent
will provide to you for the duration of your certificate.

Presented by :
Date :
Version :

MOHD HAFIZUDDIN BIN MUHAMMAD MF300015

20/9/2013
SQS - Agency ver 2.3.0.7 a

0
0
0
0
0
0
0
0
0
0

Page 4 of 20

Quotation For PruBSN TakafulLink

IWE

Summary Illustration Definition

NOTES:
PruBSN believes it is important that you fully understand all the benefits under the certificate, and that you also understand how the cost of
takaful protection and distribution affect these benefits.
You should satisfy yourself that the plan serves your needs and that you can afford the contribution. You should ensure that the allocation of
your takaful contribution towards protection and investment meets your financial circumstances. If you need clarification, please contact your
agent.
Participating in a regular contribution family takaful certificate is a long-term commitment. It is not advisable to hold this certificate for a short
period of time in view of the high initial costs.
Should you stop making regular contributions, the plan may continue for as long as there are sufficient units in the account. The Tabarru '
deduction for the basic plan, asset management charges and service charges for the respective accounts will continue to be deducted
through cancellation of units. Tabarru ' deduction for additional benefits will also continue to be deducted, subject to consent given by you as
provided in the proposal form.
In this plan illustration, Age refers to Age next birthday.
The information set out below explains the individual items in the marketing illustration table.
1. Death Sum Covered
This is the minimum amount to be received on death or when you become disabled. The benefit is only applicable as long as the certificate is
in force.
You have the ability to increase your sum covered without increasing your regular contribution with minimum RM 10,000 per increment as long
as you have enough excess of contribution in your PUA. This option is subject to underwriting.
The Sum Covered Multiple (SCM) for this plan is 68.
2. Critical Illness Sum Covered
This is the amount that will be payable upon diagnosis of a critical illness. The benefit is only applicable as long as the certificate is in force.
3. Contribution Paid and Cumulative Contribution
Contribution Paid is the amount that you (the participant) pay for this certificate for the particular certificate year. Take note that not all of the
amount paid will be invested into the investment fund(s) you selected. See explanation on unallocated and allocated contribution below.
Cumulative Contribution is the total amount that you (the participant) pay for this certificate up to the end of respective certificate year.
4. Allocated Contribution and Unallocated Contribution Charge (Up Front Wakalah Charge)
The allocated contribution will be used to purchase units in the investment fund(s).
The unallocated contribution charge is an upfront wakalah charge on the contribution paid and is used to meet PruBSN's expenses and
direct distribution cost, including the commissions payable to agent.
Agent may also be entitled to production and persistency bonus during the first three years of the certificate provided that the agent meets the
qualifying criteria set by PruBSN.
The allocated contribution and wakalah charge for this investment-linked certificate (including Takaful Saver if applicable ) are as follows (as a
% of contributions):
The wakalah charge for this investment-linked certificate might be different from which illustrated in the brochure, if loading(s) applies.
Certificate Year

PUA Contribution (RM)

2,160.00
40.00
864.00
60.00
1,296.00
0.00
0.00
0.00
0.00
0.00

%
Allocated Contribution
RM
%
Unallocated Contribution
RM
IUA Contribution (RM)
%
Allocated Contribution
RM
%
Unallocated Contribution
RM

2
2,160.00
40.00
864.00
60.00
1,296.00
0.00
0.00
0.00
0.00
0.00

3
2,160.00
50.00
1,080.00
50.00
1,080.00
0.00
0.00
0.00
0.00
0.00

4
2,160.00
70.00
1,512.00
30.00
648.00
0.00
0.00
0.00
0.00
0.00

5
2,160.00
80.00
1,728.00
20.00
432.00
0.00
0.00
0.00
0.00
0.00

6
2,160.00
80.00
1,728.00
20.00
432.00
0.00
0.00
0.00
0.00
0.00

7 & Above
2,160.00
100.00
2,160.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

5. Total Tabarru' and Other Charges (Service Charge)

The amount to be channeled into your investment fund(s) will be less the Tabarru' deduction and other charges.
The illustrated Tabarru ' and other charges are based on current levels. These are not guaranteed and may be varied from time to time by
giving 90 calendar days written notice to participants.
Tabarru' are deducted monthly from the value of your units to pay for your takaful coverage. The Tabarru ' for takaful coverage varies by age
next birthday, gender, smoking status, occupation class, medical rating and sum covered. The Tabarru ' will increase as you grow older.
Please refer to Illustration of Tabarru' and Other Charges Table for the Tabarru' breakdown.
Other Charges include service charge.
6. Projected Investment Return
X assumes 3.00% weighted gross growth in the PUA and IUA.
Y assumes 8.00% weighted gross growth in the PUA and IUA for the first 20 years, while 5.50% beyond 20th year.
The returns of X% and Y% have been used respectively to represent the range of possible weighted returns on the funds selected.
Please refer to the Fund Fact Sheet(s ) for the past actual annual investment returns. The Fund Fact Sheet can be downloaded from our
website at www.prubsn.com.my.
7. Asset Management Charge
This refers to the annual management charge as a percentage of investment fund deducted to cover the cost of managing the investment Page 5 of 20
fund.

Quotation For PruBSN TakafulLink

IWE

8. Cash Value
This is the projected value of units at any particular point in time that you may receive if you surrender the certificate and is net of tax and all
applicable charges.
If the certificate is terminated early, you may get less than the amount of contributions paid.
This amount comprises of the cash value of the PUA and IUA. Please refer to Illustration of Projected Benefits Table for the breakdown.
9. Total Death Benefit
This is the amount that will be payable on your death. The Total Death Benefit consist of the Death Sum Covered and the Cash Value, if any.
If the death is due to suicide within the first certificate year, no takaful coverage will be payable, but the remaining value in PUA and IUA will
be payable.
10. Direct Distribution Cost
This is the commissions payable to agent comprises of basic commissions, production and persistency bonus.
It is inclusive of Takaful Saver commissions (if any). If you decide to stop the Takaful Saver contribution, the Takaful Saver commission
deduction will stop unless you continue to pay for the Takaful Saver contributon.

Page 6 of 20

Quotation For PruBSN TakafulLink

IWE

Illustration of Projected Benefits

Non-Guaranteed
Projected Investment Return X% p.a
End of
Certificate Age
Year

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30

28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57

Project Investment Return Y% p.a

Protection Unit
Account (RM)

Investment Unit
Protection Unit
Account (RM)
Account (RM)
No Claim
Projected Cash Projected Cash Loyalty Bonus
Projected Cash Loyalty Bonus
Bonus
Value
Value
Credited
Credited
Value
Credited
248
488
809
1,561
2,497
3,440
4,818
6,199
7,581
8,959
10,338
11,723
13,090
14,423
15,680
16,864
17,974
19,029
20,013
20,892
21,698
22,443
23,070
23,566
23,921
24,169
24,309
24,274
24,054
23,668

0
0
0
0
0
0
0
0
0
0
108
0
0
108
0
0
108
0
0
108
0
0
108
0
0
108
0
0
108
0

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0
0
0
109
111
113
224
227
230
343
348
353
467
474
480
597
605
614
732
742
753
873
885

254
512
863
1,673
2,709
3,800
5,387
7,053
8,799
10,624
12,539
14,554
16,652
18,819
21,018
23,256
25,532
27,873
30,265
32,677
34,398
36,108
37,752
39,315
40,785
42,195
43,546
44,766
45,845
46,799

Investment Unit
Account (RM)
No Claim
Projected Cash
Bonus
Value
Credited

0
0
0
0
0
0
0
0
0
0
108
0
0
108
0
0
108
0
0
108
0
0
108
0
0
108
0
0
108
0

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0
0
0
114
121
128
250
265
281
412
436
462
604
626
649
785
814
844
987
1,023
1,061
1,212
1,257

Notes:
The info set out below explains the individual items in the sales illustration table.
With the assumption that the contributions are paid in full and timely manner, the above illustration assumes cross support between PUA and
IUA.
The Participant will receive at least 50% of the surplus (if any), inclusive of investment profit, arising from Tabarru' at the end of each financial
year and such amount will be credited into PUA. PruBSN will take up to 50% of the distributable surplus (if any) as the incentive for managing
the Tabarru' fund. However, for projection purposes, the surplus will not be illustrated.
The projected illustrations above are net after deduction of tax, asset management charge and Tabarru', where applicable.

1. Projected Investment Return

Please refer to item 6 in Summary Illustration definition.
2. Protection Unit Account
Please refer to definition of Protection Unit Account (PUA) in Appendix.
2.1. Projected Cash Value
Projected cash value in Protection Unit Account.
3. Investment Unit Account
Please refer to definition of Investment Unit Account (IUA) in Appendix.
3.1. Loyalty Bonus Credited
PruBSN shall credit 5% of annualised contribution (excluding contributions for top-ups and Takaful Saver contribution) into units in IUA
upon completion of 10th certificate year and every 3-years thereafter if you consistently pay your contribution on a timely manner,
subject to terms and condition stipulated in your certificate document. You have grace period of 30 days every month to ensure the
contribution is paid on time.
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3.2. No Claim Bonus Credited (if Takaful Health2 is attached, other than Zero deductible option)
The projected cash value assumes no medical claims are made from Takaful Health2. Note that if you make claim from Takaful Health2,
the projected cash value will be lower than illustrated.
3.3. Projected Cash Value
Projected cash value in Investment Unit Account. This value include Loyalty Bonus and No Claim Bonus.

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Illustration of Tabarru' and Other Charges Table

Tabarru' Deduction

Allocated Contribution
End of
Certificate
Year

Age

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30

28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57

Protection
Investment
Unit Account Unit Account
(RM)
(RM)
864
864
1,080
1,512
1,728
1,728
2,160
2,160
2,160
2,160
2,160
2,160
2,160
2,160
2,160
2,160
2,160
2,160
2,160
2,160
2,160
2,160
2,160
2,160
2,160
2,160
2,160
2,160
2,160
2,160

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

Annual Charges

Death
Benefit
Tabarru'
(RM)

Medical
Benefit
Tabarru'
(RM)

Other
Additional
Benefits
Tabarru'
(RM)

29
29
29
29
29
29
29
29
29
30
31
34
39
43
49
55
62
71
80
90
101
114
128
143
160
179
200
224
249
278

454
462
565
570
585
588
596
607
618
628
636
635
656
689
752
819
884
924
979
1,063
1,109
1,142
1,226
1,324
1,441
1,515
1,569
1,683
1,804
1,922

76
78
115
117
147
150
155
160
168
181
191
201
213
229
253
271
289
310
332
355
382
409
439
464
477
495
530
570
606
620

Service Charge
(RM)
60
60
60
60
60
60
60
60
60
60
60
60
60
60
60
60
60
60
60
60
60
60
60
60
60
60
60
60
60
60

Notes:

The information set out below forms part of the Plan Illustration.
1. Allocated Contribution
Please refer to item 4 in Summary Illustration definition.
1.1. Protection Unit Account
Please refer to definition of Protection Unit Account (PUA) in Appendix.
1.2. Investment Unit Account
Please refer to definition of Investment Unit Account (IUA) in Appendix.
2. Tabarru' Deduction
Please refer to item 5 in Summary Illustration definition.
2.1. Death Benefit Tabarru'
This column consists of the Tabarru' deduction for basic death benefit, Basic Enhancer benefit, Crisis Cover Plus benefit and
Compassionate Benefit, whichever applicable.
2.2. Medical Benefit Tabarru'
This column consists of Tabarru' deduction for Takaful Health2, Medic Essential, Medical Cover, Hospital Benefit, TH Retirement, TH
Annual Limit Waiver, TH Auto Upgrade, and TH Overseas , whichever applicable.
2.3. Other Additional Benefits Tabarru'
This column consists of Tabarru' deduction for Additional Benefits excluding Death Benefits and Medical Benefits.
3. Annual Charge
Please refer to item 5 in Summary Illustration definition.
3.1. Service Charge
Please refer to definition of Service Charge in Appendix.

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Appendix

Definitions
The Takaful Concept
Takaful is a mutual assistance concept based on the principles of shared responsibility, cooperation and common interest. Each participant
contributes on the basis of Tabarru' (donation) into a fund that will be used to support each other in times of need.
Protection Unit Account (PUA)
The account where units are allocated, depending on the amount of contribution paid for basic and/or additional benefit and surplus arising.
Investment Unit Account (IUA)
The account where the amount from the Takaful Saver contribution will be used to purchase units for investment purpose and non-forfeiture
option.
Surplus
The surplus arising from the Tabarru' fund, inclusive of investment profit after claims payable. The surplus, if any, is calculated and distributed
between the Participant and PruBSN in the stated proportion.
Tabarru'
An arrangement where a portion of your contribution is donated into a fund to assist fellow participants in need through the benefits entitled to
them.
Tabarru' Fund
It is the pool of funds for the purpose of solidarity and cooperation among the participants that is used to help all participants in times of
misfortune.
Wakalah Charge
Any charges that the Participant pays to PruBSN for the services rendered. These charges consist of commission and distribution related
charge, asset management charge and service charge.
Commission and Distribution Related Charge
Comprises of the agent's commission and distribution related expenses.
Asset Management Charge
Comprises of the investment management expenses for the PUA and IUA.
Service Charge
Comprises of the certificate servicing expenses that is debited from the PUA.
Grace Period
You are given a grace period of 30 days from the contribution due date for each subsequent contribution payment.
Free Look Period
You are required to study the plan illustration and pay particular attention to the benefits which are guaranteed and benefits which are not
guaranteed. If there are discrepancies between the plan illustration and the certificate documents, you may cancel the certificate within 15
calendar days from the delivery date of the certificate documents.

Presented by :
Date :
Version :

MOHD HAFIZUDDIN BIN MUHAMMAD MF300015

20/9/2013
SQS - Agency ver 2.3.0.7 a

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Appendix
Benefits
- In the event of death, the value of units in the PUA and the value of units in the IUA will be payable. In addition, the basic sum covered
from the Tabarru fund will also be payable. The value of units will be based on the unit price at the next valuation date following the
official notification date.
- In the event of total and permanent disability before age 70, the basic sum covered is payable. This is paid in lieu of basic sum covered.
The units remain in the PUA.
- The maximum benefit payable for total and permanent disability is RM4 million per life. If basic sum covered is more than RM4 million,
the excess of basic sum covered can be continued for death benefit with payment of contributions. Riders (without disability plus) can be
continued with payment of contributions.
- In the event of surrender, the surrender value of the certificate is payable. The value of the units will be based on the unit price at the
next valuation date following the notification of surrender. The participant will be able to withdraw the notification before the closing
valuation time.
Loyalty Bonus
- Loyalty Bonus is a benefit to eligible participants subject to terms and conditions specified in the certificate document and this benefit is
not guaranteed.
- This bonus pays 5% of your yearly PUA contributions upon completion of the 10th certificate year and every 3 years after that.
- You are only entitled to the loyalty bonus if you pay all the contributions due for each prevailing certificate year before the next certificate
anniversary.
- There will be no pro-rated amount of loyalty bonus payable upon death or maturity.
Options
Non-forfeiture option:
- The payment of contributions may be stopped but the basic benefits above continue as long as there are units in the plan for Tabarru '
deduction and other charges for the basic plan. The Tabarru' deduction for additional benefits will also continue to be deducted, subject
to your consent.
Lapse and Revival:
- The certificate will lapse if there is insufficient units in PUA and IUA (if any) to pay for the Tabarru ' deduction and other charges for the
basic plan and additional benefits.
- Upon non-payment of contribution, additional benefits (if any) will also lapse if the there is no consent given to deduct the Tabarru '
deduction for additional benefits although there are sufficient units in the PUA.
- If all or any part of the benefits lapse, you may apply to revive them subject to the terms and conditions set by us.
Fund switching:
- If you find that the fund you have chosen is no longer appropriate, you have the flexibility to switch funds. You are allowed 4 switches
per year without any charge. Any subsequent switches within the year, you will be charged a processing fee of 1% subject to maximum
of RM50 per switching application. Units can be switched between Takafulink funds at any time.
Contribution re-direction:
- You may revise the proportion of your regular contribution (in multiple of 5%) you want to invest and may also revise your choice of
Takafulink fund.
Top-ups:
- Top-ups can be made at any time. The minimum amount required for top-ups is RM500. Apart from 5% wakalah charge on every single
contribution top-up, there will be an additional one-off top-up charge of RM25 for top-up less than RM5,000. For single contribution top up payment of RM5,000 and above, there will be no top-up charge imposed.
Partial Withdrawals:
- You can make partial withdrawals from PUA, either in terms of number of units or fixed monetary amount (where units will be cancelled
accordingly based on the unit price at the next valuation date). The minimum withdrawal amount is RM1,000 per transaction with
remaining balance of RM1,000 after withdrawal.
- Partial withdrawal is allowed for IUA. The minimum withdrawal amount is RM500 per transaction. Complete withdrawal is allowed but
strongly discouraged.
Option to vary sum covered
- You may increase the sum covered without increasing the regular contribution with minimum RM10,000 per increment as long as you
have enough excess of contribution in your PUA, subject to underwriting. You may also reduce your sum covered without any change in
contribution subject to minimum sum covered of RM10,000.

Presented by :
Date :
Version :

MOHD HAFIZUDDIN BIN MUHAMMAD MF300015

20/9/2013
SQS - Agency ver 2.3.0.7 a

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Appendix
Tabarru' amount and wakalah charges
- Tabarru ' amount, which is based on age next birthday, gender, smoking status, occupational class, medical rating and the sum
covered, is levied monthly.
- Service charge of RM6 for contribution paid by cash/cheque or RM5 for other payment methods are levied monthly.
- Asset management charge will be deducted on a daily basis and is reflected in the unit price.
- Tabarru ' amount and wakalah charges above may be varied from time to time by giving 90 calendar days written notice to the
participants.
Total and Permanent Disability
- For disability below age 16, total and permanent disability means that the child must need constant care and attention and is confined
by reason of accident or sickness to his/her home under medical supervision or in a hospital or similar institution. The disability must be
permanent and must last for at least 180 consecutive days.
- For disability between age 16 and 60 years old, total and permanent disability means the complete inability to engage in any occupation
and to perform any work for remuneration or profit. The disability must be permanent and must last for at least 180 consecutive days.
- For disability above 60 years old, total and permanent disability means that she/he is unable to perform at least 3 of the activities of daily
living either with or without the use of mechanical equipment, special devices or other aids and adaptations in use for disabled persons.
The disability must be permanent and must last for at least 180 consecutive days.
- In addition of the above definitions, the following disabilities will also be regarded as total and permanent disability regardless of
disability age:
(a) Total and irrecoverable loss of sight of both eyes.
(b) Loss by severance of 2 limbs at or above the wrist or ankle.
(c) Loss of sight of one eye and one limb at or above the wrist or ankle.
Critical Illnesses
A total of 36 critical illnesses are covered:
1. AIDS due to a blood transfusion or full blown AIDS
2. Aplastic anaemia
3. Apallic syndrome
4. Alzheimers disease
5. Benign brain tumour
6. Blindness
7. Brain surgery
8. Cancer
9. Cardiomyopathy
10. Chronic liver disease
11. Chronic lung disease
12. Coma
13. Coronary artery disease including Angioplasty and
other invasive treatments for coronary artery disease

14. Deafness
15. Encephalitis
16. Fulminant viral hepatitis
17. Heart attack
18. Heart valve replacement
19. Kidney failure
20. Loss of independent existence
21. Loss of speech
22. Major burns
23. Major head trauma
24. Major organ transplant
25. Medullary cystic disease
26. Meningitis

27. Motor neurone disease

28. Multiple sclerosis
29. Muscular dystrophy
30. Paralysis
31. Parkinsons disease
32. Poliomyelitis
33. Primary pulmonary arterial hypertension
34. Stroke
35. Surgery to the aorta
36. Systemic lupus erythematosus lupus nephritis

Claims Submission:
- If you need to make a claim, you must send us a written notice to the following address. For accidental claims, it should be within 30
calendar days while for other claim within 60 calendar days from the event date:
Prudential BSN Takaful Berhad
Level 8A, Menara Prudential,
No. 10, Jalan Sultan Ismail,
50250 Kuala Lumpur.
- Once we have received the notice, we will let you know what documents we need so that we can process your claim.
Notes:
-- The contributions and Tabarru' of PruBSN TakafulLink and additional benefits may be varied by PruBSN from time to time by giving 90
calendar days written notice to participants.
- PruBSN TakafulLink is a Shariah-compliant product.

Presented by :
Date :
Version :

MOHD HAFIZUDDIN BIN MUHAMMAD MF300015

20/9/2013
SQS - Agency ver 2.3.0.7 a

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Brief Description Of The Plan

Appendix

Additional Benefits
Crisis Shield pays the sum covered upon diagnosis of a critical illness. This is paid in lieu of the basic plan sum covered. Units remain in
the plan. If the sum covered of Crisis Shield paid is less than that of basic plan sum covered, the excess sum covered of the basic plan
can be continued with the payment of contributions.
Compassionate Benefit will be paid on death of Covered Person. This benefit will be payable within 3 working days if the nominee or
immediate family member present full requirement to PruBSN.
Accidental Death and Disablement pays
- the compassionate allowance of RM2,000 per life on death due to natural and accidental causes.
- the sum covered on death or total and permanent disability due to accident.
- a percentage of the sum covered on disablement (based on scale of benefits) due to accident.
Accidental Medical Reimbursement reimburses the actual expenses incurred for medical treatment up to the sum covered within 104
weeks from date of accident.
Weekly Indemnity pays a weekly benefit in the event of temporary disability due to accidental causes. One unit of Weekly Indemnity
pays RM 100 per week for temporary total disability and RM 50 per week for temporary partial disability, subject to a combined total of
104 weeks.
Takaful Health2 pays the benefits according to the plan selected below in the event of hospitalisation or out-patient treatment due to
illness or injury before selected expiry age.
Plan

TH 200

Hospital and Surgical Benefits

Hospital Daily Room & Board Benefit (120 days per year)
Intensive Care Unit (30 days per year)
Surgical Benefit

RM 200
}
}As charged

In-hospital & Related Service Benefit

Out-patient Treatment Benefits

Pre-hospitalisation Treatment Benefit (within 30 days before hospitalisation)

Post-hospitalisation Treatment Benefit (within 90 days after hospital discharge)

Home Nursing Care Benefit (up to 180 days per lifetime)

}
}As charged

Day Surgery Benefit

Cancer Treatment Benefit

Kidney Dialysis Treatment Benefit
Emergency Treatment for Accidental Injury Benefit (Annual Limit)

}
}
RM 1,500

Overall Annual Limit

RM 62,500

Lifetime Limit

RM 625,000

Emergency Medical Assistance

Yes

Notes
1. Overall Annual Limit and Lifetime Limit do not apply to Emergency Medical Assistance.
2. Emergency Medical Assistance is a complimentary service provided by a third party provider and can be terminated by giving
14 calendar days prior notice to you.
Medical Cover pays the benefits below in the event of hospitalisation due to illness or injury before selected expiry age. One unit of
Medical Cover pays
- RM50 per day (up to 100 days in a certificate year) for hospital confinement.
- RM100 per day (up to 30 days in a certificate year) while confined to an intensive care unit.
- a lump sum up to RM2,500 (up to RM12,500 in a certificate year) for a surgical procedure, depending on its severity rating.
Hospital Benefit pays a daily cash benefit in the event of hospitalisation due to illness or injury before selected expiry age. One unit of Hospital
Benefit pays RM50 per day (up to 100 days in a certificate year) for hospital confinement.

Presented by :
Date :
Version :

MOHD HAFIZUDDIN BIN MUHAMMAD MF300015

20/9/2013
SQS - Agency ver 2.3.0.7 a

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Brief Description Of The Plan

Appendix

Additional Benefits
Contributor pays an annual benefit equal to the PUA certificate contributions under the certificate upon covered person's total and
permanent disability before age 70 or diagnosis of a critical illness during the certificate term, whichever earlier.

Presented by :
Date :
Version :

MOHD HAFIZUDDIN BIN MUHAMMAD MF300015

20/9/2013
SQS - Agency ver 2.3.0.7 a

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Product Disclosure Sheet

Read this Product Disclosure Sheet before you decide to take up PruBSN
TakafulLink. Be sure to also read the general terms and conditions.
PruBSN TakafulLink
20/9/2013
1. What is this product about?
This investment-linked takaful certificate (ILT) offers a combination of takaful protection and investment. The benefit is payable upon total and
permanent disability before age 70 or death during the term of the certificate together with the value of the investment units, at the time of
claim. The value of the ILT depends on the price of the underlying units, which in turn depends on the performance of your chosen fund.
Medical and health rider provides for hospitalisation and surgical expenses incurred due to illnesses covered under the certificate.
2. What are the Shariah concepts applicable?
Tabarru'
- An arrangement where a portion of your contribution is donated into a fund to assist fellow participants in need through
the benefits entitled to them.
Wakalah Bil Ajr - An arrangement appointing PruBSN to manage the overall services provided under your certificate. We will take a portion
of your contribution in return of these services, which include commission, distribution related charge, asset management
charge and service charge.
3. What are the covers/benefits provided?
Death benefit :
- Lump sum

RM 22,000

Total and permanent disability benefit:

- Lump sum
- Regularly

RM 20,000

Contributors

RM 2,160 p.a

Critical illness benefit :

- Lump sum
- Regularly

RM 15,000

Contributors

RM 2,160 p.a

Accidental benefit :
- Death
- Medical reimbursement
- Temporary total disability
- Temporary partial disability

RM 20,000
As charge (subject to max RM2,000)
RM 100 per week
RM 50 per week

Medical benefit (1) - Takaful Health2:

- Daily room and board
- Hospital and surgical benefits
- Outpatient treatment benefits
- Reimbursement of medical expenses up to:
Annual limit on benefits payable
Aggregate lifetime limit on benefits payable
Hospitalisation income benefit:
- Normal hospital confinement
- Intensive Care Unit confinement
- Surgical procedure

RM 200
As charged (Zero Deductible)
As charged (Zero Deductible)
RM 62,500 p.a
RM 625,000

RM 200 per day

RM 100 per day
RM 2,500 per procedure

Funds chosen:
Takafulink Dana Urus

(TDU): 100%

Reminder: Please read the marketing literature which include product benefits and objective of the investment-linked fund.
It is important to select a fund or a combination of funds that suit your financial goals and risk profile.
4. How much contribution do I have to pay?
The total contribution that you have to pay and the certificate terms may vary depending on the underwriting requirements of PruBSN.
Presented by :
Date :
Version :

MOHD HAFIZUDDIN BIN MUHAMMAD MF300015

20/9/2013
SQS - Agency ver 2.3.0.7 a

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The estimated total contribution that you have to pay:

Protection Unit Account :

RM

180.00

Total Contribution :

RM

180.00 Monthly

We will allocate a portion of the contribution to purchase units in the investment-linked fund that you have chosen. Any unallocated amount will
be used to pay wakalah charges, which include commissions to agents and other expenses incurred by PruBSN. You are advised to refer to
the allocation rates given in the plan illustration.
5. What are the charges I have to pay?
The Tabarru' is deducted monthly from the value of your units. The Tabarru' will increase as you grow older. Details of Tabarru' and other
charges for the ILT are given in the plan illustration.
Other charges are as follows:
- Service charge of RM6 for contribution paid by cash or cheque and RM5 for contribution paid by other payment method. The
service charges are levied monthly.
- Top-up incurs a one-off top-up charge of RM25 for every top-up less than RM5,000.
- Fund switch charge is set at 1% subject to a maximum of RM50. Four free switches are allowed every certificate year.
Charges above may be varied from time to time, for which 90 calendar days written notice will be given to the participants.

Presented by :
Date :
Version :

MOHD HAFIZUDDIN BIN MUHAMMAD MF300015

20/9/2013
SQS - Agency ver 2.3.0.7 a

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6. What are some of the key terms and conditions that I should be aware of?
General
Importance of disclosure - you must disclose all material facts such as medical condition, and state your age correctly.
Free-look period - you may cancel your ILT by returning the certificate within 15 calendar days from the delivery date of the certificate. PruBSN
will refund to you the unallocated contributions, the value of units that have been allocated (if any) at unit price at the next valuation date and
any Tabarru' and certificate charge that have been deducted less any medical charge incurred by PruBSN.
Cash value - the cash value of the ILT depends on the performance of the investment-linked funds selected. The higher the level of takaful
coverage selected, the more units will be absorbed to pay for the Tabarru' and fewer units will remain to accumulate cash values under your
certificate.
Lapse of certificate - The ILT certificate will lapse when the value of investment units is insufficient to pay for the Tabarru' and other charges.
In the event of total and permanent disability before age 70, one lump sum payable under all certificates with PruBSN on a person is up to
RM1 million per person. Any excess is paid on the first anniversary of the covered person's total and permanent disability subject to proof of
continued disability. Upon earlier death, the balance of any unpaid benefit is paid immediately. The maximum payable under all certificates is
RM4 million per person.
*

For Medical & Health Takaful

Qualifying/waiting period - The eligibility for:
- Critical illness benefits under the certificate will only start 60 calendar days after the commencement date of the certificate for heart
attack, coronary artery heart disease or cancer and 30 calendar days for other critical illnesses.
- Medical Cover and/or Hospital Benefit and/or Medic Essential under the certificate will start immediately for hospitalisation due to
accidents and 30 calendar days for any other causes.
- Takaful Health2 and/ or TH Annual Limit Waiver and /or TH Overseas under the certificate will only start 120 days after the
commencement date of the certificate for specified illnesses and 30 days for all other illnesses. Cover for hospitalisation due to
accidents commences immediately.
- Accidental Medical Reimbursement under this certificate will start immediately.
Note: 1. This list is non-exhaustive. Please refer to the certificate document for the terms and conditions under this certificate.
*

Applicable to Crisis Shield, Crisis Cover Plus,Vital Care, Accidental Medical Reimbursement, Takaful Health2, Medic Essential, Medical Cover,
Hospital Benefit, Takaful Puteri, Takaful Puteri Plus, Crisis Cover Income, Family Income Benefit, TH Retirement, TH Annual Limit Waiver, TH
Auto Upgrade, TH Overseas, Parent Income Benefit, Parent Double Income Benefit, Baby Care, Contributor, Takaful Saver Contributor,
Spouse Contributor, Takaful Saver Spouse Contributor, Parent Contributor, Takaful Saver Parent Contributor, Joint Contributor, and Takaful
Saver Joint Contributor only.

Presented by :
Date :
Version :

MOHD HAFIZUDDIN BIN MUHAMMAD MF300015

20/9/2013
SQS - Agency ver 2.3.0.7 a

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7. What are the major exclusions under this certificate?

Death
If the death is due to suicide within the first certificate year, no takaful coverage will be payable, but the remaining value in PUA and IUA will
be paid.
Total and Permanent Disability
Attempted suicide or self-inflicted injuries while sane or insane.
Engaging in aerial flights including parachuting and sky-diving 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.
Critical Illness
Illness is directly or indirectly caused by acquired AIDS or any HIV infection, except when AIDS is full blown or is caused by a blood
transfusion.
Medical and Health
Pre-existing condition if such condition was not disclosed in the proposal form or any other form relating to your health status after the
certificate is in-force.
Plastic/ cosmetic surgery, circumcision, eye examination, glasses, lens and refraction or sugical correction of nearsightedness and/ or
farsightedness and the use or acquisition of external prosthetic appliances or devices such as artifical limbs, hearing aids, cochlear apparatus,
implanted pacemaker and prescriptions thereof.
Dental conditions including dental treatment or oral surgery as necessitated by accidental injuries to sound natural teeth occuring wholly
during the period of takaful. Expenses arising from placement of denture, root canal treatment and prosthetic services such as bridges,
implants an crown or their replacement will not be payable.
Private nursing (except for Home Nursing Care Benefit), rest cures or sanitaria care, illegal drugs, intoxication (including and not limited to
alcohol and drugs ), sterilization, venereal disease and its sequele, AIDS and AIDS related complex and HIV related diseases, and any
communicable diseases requiring quarantine by law.
Any treatment or surgical operation for congenital abnormalities or deformities including hereditary conditions.
Pregnancy, current and previous pregnancies (and related complications), child birth (including surgical delivery and any surgical or non
surgical procedure of the female reproductive system during surgical delivery), miscarriage, abortion and prenatal or postnatal care and
surgical, mechanical or chemical contraceptive methods of birth control, treatment pertaining to infertility as well as erectile dysfunction, and
tests or treatment related to impotence or sterilization.
Hospitalisation primarily for investigatory purposes, diagnosis, x-ray examination, general physical or medical examinations, not incidental to
treatment or diagnosis of covered disability or any treatment which is not deemed medically necessary and any preventive treatments,
preventive medicines or examinations carried out by a physician, and treatments specifically for weight reduction or gain.
Suicide, attempted suicide or intentionally self-inflicted injury while sane or insane.
War or any act of war, declared or undeclared, criminal or terrorist activities, active duty in any armed forces, direct participation in strikes, riots
and civil commotion or insurrection.
Ionising radiation or contamination by radioactivity from any nuclear fuel or nuclear waste from process of nuclear fission or from any nuclear
weapons material.
Expenses incurred for donation of any body organ by a covered person and costs of acquisition of the organ including all costs incurred by the
donor during organ transplant and its complications.
Investigation and treatment of sleep and snoring disorders, hyperhidrosis treatment, hormone replacement therapy, stem cells therapy (other
than for haemopoeitic blood disorder), hyperbaric oxygen therapy and alternative therapy such as treatment, medical service or supplies,
including but not limited to chiropractic services, acupuncture, acupressure, reflexology, bonesetting, herbalist treatment, massage or aroma
therapy or other alternative treatment.
Care or treatment for which payment is not required or to the extent which is payable by any other takaful or indemnity covering the covered
person and disabilities arising out of duties of employment or profession that is covered under a Workman's Compensation Takaful Contract.
Psychotic, mental or nervous disorders and those due to senile disorders (including any neuroses and their physiological or psychosomatic
manifestations).
Costs/expenses of services of a non-medical nature, such as television, telephones, telex services, broadband services, electricity bills, radios
or similar facilities, admission kit/pack and other ineligible non-medical items.
Sickness or injury arising from racing of any kind (except foot racing), hazardous sports such as but not limited to parachuting, skydiving,
water skiing, underwater activities requiring breathing apparatus, winter sports, professional sports and illegal activities.
Private flying other than as a fare-paying passenger in any commercial scheduled airlines licensed to carry passengers over established
routes.
Expenses incurred for sex changes.
Any insect bite including mosquito bites and worm infestation during the 30 days waiting period.
Charges which are not Reasonable and Customary Charges, or any surgery or treatment which is not Medically Necessary, or charges in
excess of Reasonable and Customary Charges, or charges which are incurred for hospitalisation, pre-hospitalisation and / or post hospitalisation after the expiry date.

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Hospitalisation
Routine medical examinations or consultations.
Cosmetic or plastic surgery, dental care and treatment, organ and tissue donation, gender transformation and exploratory or experimental
surgery or any other elective procedures other than as a result of an accidental injury, surgery or illness.
Treatments or procedures relating to pregnancy or childbirth and its complications.
Tests or treatment related to infertility, contraception, sterilisation, birth defects, congenital anomalies, hereditary conditions, circumcision or
any abortion performed due to psychological or social reasons, and any consequences of any of these procedures.
Treatment of mental illness and psychiatric disorders, self-inflicted injury while sane or insane, attempted suicide, abuse of alcohol, and drug
addiction and abuse.
Any treatment or test in connection with AIDS or the presence of any Human Immuno-deficiency Virus (HIV) infection and all sexually
transmitted diseases.
Injuries or sickness arising from professional sports, racing of any kind, scuba-diving, bungee jumping, aerial flights other than as a crew
member or as a fare-paying passenger, on a licensed passenger-carrying commercial aircraft operating on a regular scheduled route, or any
dangerous activities or sports (including hang-gliding, ballooning, parachuting and sky-diving ), unless we agree differently in a special
endorsement.
Any injury or illness caused 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 a riot, strike or civil commotion.
Any violation, or attempted violation of the law or to resist arrest.
Pre-existing condition if such condition was not disclosed in the proposal form or any other form relating to your health status after the
certificate is in-force.
Accidental
War, invasion, act of foreign enemy hostilities whether it is declared or not, civil war, rebellion, revolution, insurrection, military or usurped
power, direct participation in riot, strike or civil commotion.
Any violation or attempted violation of the law or resistance to arrest.
Attempted suicide or self-inflicted injuries while sane or insane.
Pregnancy, current and previous pregnancies (and related complications), child birth (including surgical delivery and any surgical or non
surgical procedure of the female reproductive system during surgical delivery), miscarriage, abortion and prenatal or postnatal care and
surgical, mechanical or chemical contraceptive methods of birth control, treatment pertaining to infertility as well as erectile dysfunction, and
tests or treatment related to impotence or sterilization.
Pre-existing physical or mental defect or infirmity.
Engaging in professional sports, scuba diving, racing of any kind, aerial flights other than as crew member of or as a fare-paying passenger on
a licensed passenger-carrying commercial aircraft operating on a regular scheduled route or any dangerous activities or sports (including
bungee jumping, hang-gliding, ballooning, parachuting and sky-diving), unless agreed to by a special endorsement.
Taking drugs or narcotic unless taken as prescribed by a qualified doctor or physician.
Alcohol and drugs intoxication.
Any insect bite including mosquito bites and worm infestation.
Note: This list is non-exhaustive. Please refer to the certificate document for the terms and conditions under this certificate.
8. Can I cancel my certificate?
Participating in a regular contribution ILT is a long-term financial commitment. It is not advisable to hold this certificate for a short period of
time in view of the high initial costs. If you find that the fund you have chosen is no longer appropriate, you have the flexibility to switch the
fund. You are allowed four switches per certificate year without any charge. You may cancel your certificate by giving a written notice and
returning the original certificate documents to PruBSN.
9. What do I need to do if there are changes to my contact details?
It is important that you inform us about any change in your contact details to make sure that all correspondence reaches you on time.
10. Where can I get further information?
Should you require additional information about investment-linked takaful and medical and health product, please refer to the insurance info
booklet on 'Investment-linked Takaful' and 'Medical and Health Takaful', available at all our branches or you can obtain a copy from the your
agent or visit the website at www.insuranceinfo.com.my.
If you have any enquiries, please contact us at:
Prudential BSN Takaful Berhad (740651-H)
Level 8A, Menara Prudential,
No. 10, Jalan Sultan Ismail,
50250 Kuala Lumpur.
Tel : 03 2053 7188 Fax : 03 2072 6188 E-mail: customer@prubsn.com.my
You can also log on to our website at www.prubsn.com.my
11. Other similar types of family takaful cover available:
Please contact your agent or PruBSN for other types of similar covers available.
IMPORTANT NOTE:
YOU MUST EVALUATE YOUR OPTION CAREFULLY AND SATISFY YOURSELF THAT THE INVESTMENT-LINKED TAKAFUL PLAN
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CHOSEN MEETS YOUR RISK APPETITE, AND THAT YOU CAN AFFORD THE CONTRIBUTION THROUGHOUT THE CERTIFICATE
DURATION. TO INCREASE INVESTMENT VALUE AT ANY TIME, IT IS ADVISABLE THAT YOU PAY THE ADDITIONAL
CONTRIBUTIONS AS 'TOP UPS'. RETURN ON AN INVESTMENT-LINKED FUND IS NOT GUARANTEED. THE FULL TERMS AND
CONDITIONS ARE SET OUT IN THE CERTIFICATE DOCUMENTS. PLEASE ASK FOR A SAMPLE OF THE TERMS AND CONDITIONS
SHOULD YOU NEED DETAILED INFORMATION OF THE PLAN. YOU SHOULD READ AND UNDERSTAND THE TAKAFUL
CERTIFICATE AND DISCUSS WITH YOUR AGENT OR CONTACT PRUBSN DIRECTLY FOR MORE INFORMATION.

The information provided in this disclosure sheet is valid as at 20/9/2013

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