Prudential BSN Takaful

Underwritten by Prudential BSN Takaful Berhad

Prudential BSN Takaful HealthEnrich Premier Medical Card

Enjoy extra privileges and treatment when you are hospitalised at any preferred hospital nationwide. High coverage limit to keep all your worries at bay.

    • Co-Insurance Up To 10%
    • Hospital Accommodation Up To 365 Days
    • 15-Day Cancellation Refund


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.
    from RM400000 up to RM800000
  • Lifetime Limit
    Know your lifetime limit, your medical card expires if you reached this amount.
    from RM4000000 up to RM4000000
  • Pre-Hospitalisation Diagnostic Tests
    This covers the costs incurred for diagnostic X-ray, laboratory examination and scans.
    Not Covered
  • Room & Board
    For the days that you spend in a hospital room instead of your own bed.
    from RM1000 per day
    • 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 RM1000
    • Intensive Care Unit (ICU)
      Worsening conditions may require critical care in the specialised hospital ward.
      As Charged per day up to 120 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 within 90 days after discharge
    • 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 RM200000 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 RM5000 per year
    • Pregnancy Complication
      Extra cover for medical cost resulting from complications during pregnancy.
      from RM20000
    • Hospital Cash Benefit
      Daily allowance for patients that are admitted to the hospital.
      from RM200
    • Home Nursing Care
      How much you're allowed to claim for care from a government-licensed nurse at your home.
      As Charged up to 365 days per lifetime
    • Dedicated Medical Attendant
      Cost cover for a dedicated medical attendant that's provided by your medical card.
      from RM200
View more coverage details +


How much your premiums may cost

  • School Teacher

    Volunteering himself to teach in a rural area, Nicholas who is 28 is looking for a plan with the lowest premium.

    Suggested PremiumRM1919.00
    Get Quote
  • Machinery Operator

    32 years old Chin Kong works in a hot and humid factory. He needs extra protection on top of the basic company medical card coverage.

    Suggested PremiumRM2736.00
    Get Quote
  • VIP

    At the age of 42, Hisham is the CEO of a listed company. He will never hesitate to spend on things that are worth the money.

    Suggested PremiumRM4397.00
    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.

How to Claim

Don't let "If I know this earlier I would have..." ever happen to you. Learn the right way to make a claim and save yourself from unnecessary hassle.

  • Immediately contact Prudential BSN Takaful to inform them of your encounter for them to facilitate your claim and assist you wherever possible.
  • There are a few forms that you'll have to complete as an evidence of your claim:

a) Medical Claim Form

b) Attending Physician's Statement - to be completed by your doctor

  • In addition of the above, make sure you have all the documents as required in the submission checklist to get you going. Here are some of them, just to list a few:

a) Medical Report

b) Medical Bills

c) Original Payment Receipts

  • Once everything is good to go, deliver them over to any one of the Prudential BSN Takaful branches and they'll call you back in 10 working days with a result.

If you need further clarification or claim assistance, give them a call at 03 2053 7188 or email them at [email protected]

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


Am I eligible to apply for this insurance?

Minimum Entry Age
At least 1 year 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 Premier Medical Card

Things you might want to know

So what is the HealthEnrich Premier?

The HealthEnrich Premier is only one in a series of medical insurance plans offered by Prudential BSN Takaful. This particular policy is tailor to people who want to prioritize their coverage over everything else.

With this plan, you get to have emergency medical treatment in the event of an accident, 24-hr emergency contact for unforeseen situations and full reimbursement for your medical expenses under the coverage scheme.

How much does it cover exactly?

Being a medical plan, it covers medical treatment, hospitalization, intensive care services as well as surgical services, should you need them. Unlike some medical insurance policies, this one also covers post-hospitalisation care if required.

Therefore, if you should need to have kidney dialysis treatment or cancer treatment, you can make those charges out to the insurance policy. Aside from that, they will pay for home nursing care and the charges for an outpatient medical attendant if they apply to the situation you are in.

Who can apply for this plan?

If you would like to pick up this policy, you will need to be of the legal age of 18, parents can get this plan for their newborn children as well if they are 1 year old.

The age limit for this plan to work at optimum speed is 70 years old. After which, you can choose to extend the plan by renewal until the maximum age of 80. 

Can I cancel my policy?

Technically yes, after applying and getting the policy you have a 15-day cooling period that allows for you to cancel the plan and receive a full refund for any premiums paid. However, if you decide to cancel your plan in the middle of your contract period there is no guarantee that you will get back any advance premiums you have paid.

To cancel the policy, you will need to submit a written statement, declaring your need to cancel the plan, directly to Prudential BSN Takaful.

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