Prudential BSN Takaful

Underwritten by Prudential BSN Takaful Berhad

Prudential BSN Takaful HealthEnrich Advanced

Life comes with sometimes unpleasant surprises. HealthEnrich Advanced takes the lead to help you plan your healthcare needs with advanced protection and waived deposits at preferred hospitals.

    • Islamic
    • Co-Insurance Up To 10%
    • Hospital Accommodation Up To 200 Days
    • 15-Day Cancellation Refund

Apply online now for Prudential BSN Takaful HealthEnrich Advanced

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Coverage

How much you can claim for hospital bills

  • Annual Limit
    The claims on your medical card cannot exceed this amount in a single policy year.
    RM100000
  • Lifetime Limit
    Know your lifetime limit, your medical card expires if you reached this amount.
    from RM1000000 up to RM1000000
  • Pre-Hospitalisation Diagnostic Tests
    This covers the cost for ECG, X-rays and other laboratory tests to diagnose your symptoms.
    Not Covered
  • Room & Board
    For the days that you spend in a hospital room instead of your own bed.
    from RM300 per day up to 200 days
    • Medication and Treatment
      Charges for the medicine and therapy that go towards helping you feel 100% again.
      As Charged
    • Second Medical Opinion
      In case you'd like the medical opinion of another physician before undergoing treatment.
      from RM500 per year
    • Intensive Care Unit (ICU)
      Worsening conditions may require critical care in the specialised hospital ward.
      As Charged per day up to 60 days
    • Hospital Services and Supplies
      Charges for the sterilised bandages, intravenous drips, blood packs and other services while hospitalised.
      As Charged
    • Surgical Fees
      How much your medical card covers for surgical procedures, minor and major.
      As Charged
    • Post-Hospitalisation Treatment
      This covers your follow up treatment after your discharge from hospital or day care surgery.
      As Charged
    • Outpatient Kidney Dialysis Treatment
      Charges covered for consultation, examination tests and prescribed drugs if you are diagnosed with kidney failure.
      As Charged
    • Outpatient Cancer Treatment
      Charges covered for consultation, examination tests and prescribed drugs if you are diagnosed with cancer.
      As Charged
    • Organ Transplant
      Cost insured if you get an organ tranplant and surgery charges.
      from RM100000 per lifetime
    • Day Surgery
      For surgical procedures that do not require you to spend the night in a hospital bed.
      As Charged
    • Emergency Accidental Outpatient Treatment
      Cover for emergency outpatient treatment and follow up due to an accident.
      from RM3000 per year
    • Pregnancy Complication
      Extra cover for medical cost resulting from complications during pregnancy.
      from RM10000 per year
    • Hospital Cash Benefit
      Daily allowance for patients that are admitted to the hospital.
      from RM100 per day up to 200 days
    • Home Nursing Care
      How much you're allowed to claim for care from a government-licensed nurse at your home.
      As Charged up to 250 days per lifetime
View more coverage details +

Premiums

How much your premiums may cost

  • Budget Planner

    During the times of recession, Vivek who is turning 30 soon wants an economic plan to prepare for the uncertainties.

    Suggested PremiumRM1296.00
    Get Quote
  • Office Admin

    Elaine is 32 this year and she is contented with her job as an executive. She is more than ready to get a premium medical card.

    Suggested PremiumRM1759.00
    Get Quote
  • Retiree

    60 years old Arvind is aware that his age is a contributing factor to the costly medical card premium but he can well afford it

    Suggested PremiumRM3996.00
    Get Quote

Actual premium rates will be determined by Prudential BSN Takaful Berhad and may vary from what is suggested based on age, sex, occupation, lifestyle habits and other factors.

Suggested Premium is inclusive of 6% GST

How to Claim

Nobody likes to be taken on a merry-go-round just to get one simple thing done. You can avoid that from happening on your claim journey by adopting the following steps:

  • Call and inform Prudential BSN Takaful of your incident as soon as possible to ensure a smooth claim process.
  • Fill up a claim form yourself that you can get here and one to be completed by your attending doctor.
  • That's not all, they got to need some evidence to proof that you are eligible for the reimbursement. Get all the documents in this checklist prepared.
  • Got everything they need? Great! Submit all of them to your nearest Prudential BSN Takaful branch and they'll take care of the rest.
  • Expect a call back from them in 10 working days and that's the end of it, pretty straightforward huh!

Here are the contact details of Prudential BSN Takaful for claims assistance:

Contact number: 03 2053 7188

Email: customer@prubsn.com.my

Medical Assistance Hotline & Services
Worldwide Emergency Medical Assistance
Prudential BSN Takaful Customer Care Hotline
 +60320537188

Panel Hospitals

Find a hospital or clinic near you!

Requirements

Am I eligible to apply for this insurance?

Minimum Entry Age
At least 14 days of age
Maximum Entry Age
At most 70 years of age
Coverage Expiry Age
At most 80 years of age

Frequently Asked Questions about Prudential BSN Takaful HealthEnrich Advanced

Things you might want to know

What is the HealthEnrich Advanced exactly?

The HealthEnriched Advanced is one of four Takaful medical protection plan offered by Prudential BSN. It comes with better protection, so that you will not have to change your lifestyle too much because of medical expenses or complications that may come up later in life.

With additional benefits for unforeseen life changes such as cancer, kidney failures or heart attacks, you can be sure that you won’t have to do it all alone. Make no compromises with the Advanced plan in your back pocket.

Who can apply for this protection plan?

Almost anyone can pick up this protection, as long as you are over the legal age of 21. For you parents who want to get your child the same protection, you can pick it up for them as soon as their turn 14 days old.

The maximum entry age for this plan is 70 years old, but the protection doesn’t stop there. After 70 you can continue to renew this policy up until your 80th birthday.

How much does it cover exactly?

As most medical plans do, the HealthEnrich Advanced will cover all hospital room and board expenses at any one of the Prudential BSN panel hospitals. You will also receive full coverage for ICU charges, surgical procedures and other in-hospital related services. In the case you require outpatient care, you will receive coverage for home nursing, day surgery and post hospitalization treatments.

That aside, the HealthEnrich Advanced comes with care for life-changing events such as Cancer, Heart Attacks, and Kidney failures. As mentioned, you will have additional benefits in these circumstances as well as increased annual limits. You won’t have to worry about expenses relating to cancer treatment, such as radiotherapy or chemo, as well as kidney dialysis treatment and follow up care for heart patients.

What happens if I want to cancel the plan?

Like most policies, this one comes with a 15-day cooling period in which you can decide to cancel your plan, and receive a full refund for any expenses paid. However, if you decide to make a cancellation after this period, you can of course, but it may cost you your premiums, so be sure to double check this clause before making a cancellation.

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