Prudential BSN Takaful

Underwritten by Prudential BSN Takaful Berhad

Prudential BSN Takaful HealthEnrich Vital Medical Card

Enjoy healthy living with medical protection at 70 panel hospitals nationwide. As your life changes, you will be given the flexibility to alter your takaful policy to meet all your needs.

    • Co-Insurance Up To 10%
    • Hospital Accommodation Up To 120 Days
    • Refund On Early Cancellation


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 RM100000 up to RM200000
  • Lifetime Limit
    Know your lifetime limit, your medical card expires if you reached this amount.
    Not Applicable
  • 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 RM200 per day up to 120 days
    • Medication and Treatment
      Charges for the medicine and therapy that go towards helping you feel 100% again.
      As Charged
    • 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
    • Outpatient Cancer Treatment
      Charges covered for consultation, examination tests and prescribed drugs if you are diagnosed with cancer.
      As Charged
    • 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 RM1500 per year
View more coverage details +


How much your premiums may cost

  • School Teacher

    26 years old Jin Hao has just started his career as a high school teacher. He is comfortable with a basic plan for now.

    Suggested PremiumRM743.00
    Get Quote
  • Office Admin

    Aliah who is 31 years old has been a loyal employee in her company for almost 10 years. With a steady income, she wants to get herself a medical card.

    Suggested PremiumRM1046.00
    Get Quote
  • VIP

    Mr. Chong is the chairman for a reputable company in his 40s and he wants the best health policy that could stand the test of time.

    Suggested PremiumRM1658.00
    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

Getting insurance is not all about the benefits, knowing how to put it to good use is equally important. Learn the mechanics of submitting a claim with no frills.

  • Time is of the essence, ensure Prudential BSN Takaful is aware of your incident as early as possible before your claim is deemed expired.
  • Download a claim form and have it filled up accordingly. Other than that, your attending doctor also has to complete an Attending Physician's Statement to describe the treatment you've received.
  • They will request some documents from you, prepare them in advance before you lose them accidentally. 
  • Once everything is in order, hand them over to Prudential BSN Takaful by visiting your nearest branch.

Allow 10 workings for them to process your claim and they will inform you of the conclusion.

To contact them, you can reach them at 03 2053 7188 or send an email to [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
As early as 20 weeks into your pregnancy
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 Vital Medical Card

Things you might want to know

What is Prudential BSN Takaful HealthEnrich Vital?

The moment has come for you to stand on your own two feet. Start early with Prudential BSN Takaful HealthEnrich Vital, a plan that provide you vital medical protection to suit your vibrant lifestyle. 

This is a medical insurance plan that gives you access to 70 panel hospitals nationwide, an added security for the inquisitive minds that love to explore the world, and a flexibility of upgrading your plan to satisfy your growing needs when you make a lifestyle change. 

Who is eligible for this medical plan?

You are welcome to apply for Prudential BSN Takaful HealthEnrich Vital if you are between the aged of 14 days to 70 years old. This plan will expire at 25, 70, or 80 years old.

Any fees and charges?

You are subject to an upfront Wakalah charge which gradually decreases to zero when your policy term exceeds 7 years. Apart from that, you also pay for tabarru which is conventionally known as insurance premium. 

What is Tabarru?

Tabarru means a donation of a specified portion for the contribution to the Tabarru Fund. The Tabarru Fund is for the purpose of mutual aid and assistance among fellow takaful participants. 

What is my contribution rate?

The amount of contrbution for tabarru depends on your age, health status, occupation, plan type and duration of coverage. 

The rate for occupation class 3 and 4 such as for electricians, engineers, mechanics are significantly higher than the standard contribution rate. 

Am I entitled to receive investment dividends?

Yes, you are if there there any, subject to Prudential BSN Takaful's descretion. Together with other takaful participants, you get at least 50% of the distributable surplus. Your surplus will be placed back into your account.

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