You just did something big for the people you love. Now you can breathe a little easier. There are only a few simple steps left, and I’ll be right beside you for each one.
Tak susah. Janji faham.
Raff Abdullah Your Marketing Representative · Capspring Temasik This is your onboarding guide to help you get started. Save it and refer back whenever you need help, or just message me.
Onboarding · step by step
8 simple steps · just a few minutes
Save my number, the most important step. Tap the button; your Contacts open with my details already filled in. Just tap Save. So you can reach me anytime, especially in an emergency, and get important updates. I also send urgent alerts by WhatsApp broadcast, and WhatsApp only delivers a broadcast to people who have saved my number, so save it to make sure you never miss one. ＋ Save my numberMy number: 012-216 9041
Download the PruBSN App. Get it from the official PruBSN App page, then register. That is where you check the certificate, manage the plan and submit claims.
Check your details & download your certificate. Confirm your full name, IC number, date of birth and nominee are correct, then download the certificate and PDS, and share a copy with your partner or next of kin. If anything is wrong, message me straight away.
Message me once the baby is born. The Child Care Benefit starts after birth, so send me the birth details and we get the certificate updated, so your child’s cover is right from day one.
You have 15 days to change your mind. From the date the certificate is delivered you can cancel it within the 15 day free-look period. Use that window to read the certificate and PDS properly.
Message me first. Before submitting any pregnancy or newborn claim, message me. I check which documents are needed so the claim does not get held up.
Submit through the PruBSN App, or follow the PruBSN claims guide.
Reach PruBSN directly: 03-2775 7188 or customer@prubsn.com.my.
Important: make sure your full name, IC number and nominee are exactly correct. Wrong details can delay or affect your claim. Spot anything off? Message me right away and we’ll fix it.
Here’s the core protection you get with PruBSN Asas360 (Prenatal):
The figures on this page are the plan’s standard benefits. Your actual sum covered, limits and riders depend on the plan you chose. Always refer to your own policy (certificate & PDS) for your exact numbers.
A covered pregnancy complication pays RM8,000 on first diagnosis, plus another RM2,000 if it comes with Gestational Diabetes Mellitus. An emergency caesarean before 36 gestational weeks pays RM5,000. There is no waiting period on the Pregnancy Care Benefit.
A birth needing ICU or HDU pays RM500 a day (up to 60 days, within the first year). Incubation pays RM300 a day in the first 60 days, and is payable on top of the ICU/HDU benefit if both apply at once. Neonatal jaundice needing phototherapy pays RM2,000.
Hospitalisation for a covered congenital condition is reimbursed up to RM50,000 a year, to the certificate anniversary of the child’s age 7. The covered list runs from Ventricular Septal Defect and Spina Bifida to Cerebral Palsy, Down’s Syndrome and cleft lip.
Contributor Parent Protect pays the Protection Contribution until the certificate anniversary of the child’s age 25, if a parent dies, suffers TPD, or is diagnosed with a covered critical illness. There are 42 critical illnesses under the Contributor benefits.
Not sure which plan you’re on? Check your app or policy to see the plan you chose.
| Benefit | Pays |
|---|---|
| Pregnancy complications (first diagnosis) | RM8,000 |
| If accompanied by Gestational Diabetes Mellitus | Additional RM2,000 |
| Daily hospital allowance, pregnancy complications | RM100 a day, max 30 days |
| Emergency caesarean before 36 gestational weeks | RM5,000 (once) |
| Death of the foetus | RM8,000 |
| Death of the mother | RM50,000 |
| Mother’s mental wellness (first diagnosis) | RM5,000 |
| Death of the child, first 60 days | RM8,000 |
| Birth requiring ICU or HDU | RM500 a day, max 60 days |
| Incubation of the newborn | RM300 a day, first 60 days |
| Neonatal jaundice needing phototherapy | RM2,000 |
| Hospitalisation, covered congenital conditions | Up to RM50,000 a year, to age 7 |
| Daily allowance, congenital conditions | RM100 a day, max 30 days a year |
| Child development disorders | Up to RM5,000, to age 7 |
These are the Plan Superior benefits over the rider’s 7 year term. Your own basic sum covered and contribution are in your certificate. This list is not exhaustive: refer to the PDS and your takaful certificate.
Because the Pregnancy Care Benefit covers the mother during the pregnancy itself, and there is no waiting period on it. Once the baby arrives, the Child Care Benefit takes over.
Message me with the birth details. The Child Care Benefit starts after birth, so we update the certificate and make sure your child’s details are right.
No. It is an investment-linked takaful: part of the contribution buys units in the Takafulink funds you choose. The cash value is not guaranteed and you carry the investment risk.
Contributor Parent Protect pays the Protection Contribution until the certificate anniversary of the child’s age 25, if a parent dies, suffers TPD, or is diagnosed with a covered critical illness.
The rider runs for 7 years. The congenital condition and child development disorder benefits run to the certificate anniversary of the child’s age 7.
Important disclaimer. This information is general education only and is not the terms of your takaful certificate. The figures shown are the Plan Superior benefits of the Baby TotalCare rider. This is an investment-linked plan: the cash value is not guaranteed and can go up or down with fund performance, and you carry the investment risk. For the actual benefits, limits, charges and terms, refer to the Product Disclosure Sheet (PDS), the Product Illustration and your takaful certificate. PruBSN Asas360 is operated by Prudential BSN Takaful Berhad, a takaful operator registered under the Islamic Financial Services Act 2013 and regulated by Bank Negara Malaysia. PIDM protection on benefits payable from the unit portion of this certificate is subject to limitations. Raff Abdullah is a Marketing Representative under Capspring Temasik, not a licensed financial adviser.
Your protection goes beyond takaful. When you’re ready, here are a few other things I handle for clients.
I’m here for you
From here, you’re not on your own. To ask something, make a claim, or just double-check anything, text or call me anytime.
Message Raff on WhatsAppor call me at 012-216 9041
Raff Abdullah