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Now you can get the support and one before he even sees the world
protect
your
little
The best thing in life comes in small packages same goes with the arrival of a newborn baby. But why wait until your baby is born to show that you really care. Now PruBSN SmartLink extends its coverage so that you can start protecting your little one from inside your womb. This ingenious plan provides you with comfort knowing you and your baby are in good hands right from the start. 1. What is the extended coverage provided in PruBSN SmartLink? PruBSN SmartLink allows you to cover your child as early as 20 weeks into pregnancy. During this period we will provide your child with essential coverage until he is born. Get Extra Basic and we will add coverage during your pregnancy and post-natal benefits for your newborn. 2. Who is eligible for PruBSN SmartLink plan? PruBSN SmartLink is yours from the moment you are 20 weeks into pregnancy and if you are between 19 and 45 years old. 3. Im not pregnant now, do you have similar plan for me when Im ready to start a family? Once you are ready to start a family, you may take up Baby Care rider. This rider protects your baby and support you during pregnancy and after birth and we provide the same coverage for multiple births. We will also provide you with Immunisation Bonus of RM200; 2 years after your baby is born. 4. Who is eligible for Baby Care rider? If you are between 19 and 40 years old, you can attach this rider with your PruBSN FirstLink or PruBSN TakafulLink plan. The plan covers you as long as you are pregnant before you reach 46 years old. 5. What is the summary of benefits offered by these plans?
Pregnancy > 20 weeks COMPASSIONATE BENEFIT After Birth ICU/HDU IMMEDIATELY INCUBATION IMMUNISATION LOSS OF LIFE FOLLOWING OF BONUS (INFANT) BIRTH FOR NEWBORN PREMATURE BABY BIRTH
FOETUS
MOTHER
PruBSN SmartLink
Not Available
RM2,000 (within 30 days from birth) Basic Sum Covered (after 30 days from birth)
Not Available
RM2,000
DISCLAIMER: Prudential BSN Takaful Berhad makes no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the services provided on the cord blood package provided by the third party. Any reliance you place on such services is therefore strictly at your own risk. The third party also has the right to terminate the service in association with this product at any time within the offer period by giving three months notice.
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Baby Care
RM100 daily (within 60 days RM300 daily from birth (up to 30 days and min from birth) 3 consecutive days)
For a limited time, enjoy 20% cord blood fee discount when you participate in PruBSN SmartLink during your pregnancy. Please call our Customer Service for further information.
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Important Notes This leaflet does not form a contract between you and Prudential BSN Takaful Berhad. It is to be read with PruBSN Link Series Brochure, Plan Illustration, Product Disclosure Sheet and Fund Fact Sheet. 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. Baby Care benefit is not payable if the child is: not born during the certificate term or born during the 10 months waiting period or born within 18 months from the previous claim payable delivery Exclusions
PruBSN SmartLink and Baby Care do not cover the following situations. If any of these happens, the benefits offered under the plan WILL NOT be payable to you.
any treatment or surgical operation for Congenital Conditions including hereditary conditions a deliberate act like taking intoxicating liquor, drugs or poison, suicide or attempted suicide or intentional self-injury while sane or insane AIDS, AIDS-related complex or infection by HIV the use of unprescribed drugs where such drugs are required by law to be prescribed by a Doctor elective termination of pregnancy other than for medical reasons as advised by Obstetric and Gynaecologist Consultant any fertility treatments and its complications which may arise from such treatment any unlawful, criminal or deliberate act or failure to act war, riot or revolution or any similar event or taking part in a riot, strike or civil commotion The exclusions and limitations above are not exhaustive and you should refer to the certificate document for further information.
PruBSN SmartLink and Baby Care are Shariah compliant products. Prudential BSN Takaful Berhad is a registered Takaful Operator under the Takaful Act 1984 and is regulated by Bank Negara Malaysia. For more information/enquiries, please contact:
PRUDENTIAL BSN TAKAFUL BERHAD (740651-H) Level 8A, Menara Prudential, No. 10, Jalan Sultan Ismail, 50250 Kuala Lumpur. Tel: (603) 2053 7188 Fax: (603) 2072 6188 E-mail: customer@prubsn.com.my SMS PruBSN<space>Feedback<space>Your Feedback and send to 33080 You can also log on to | www.prubsn.com.my IMPORTANT: You must ensure that you are satisfied that this product will best serve your needs and that the contribution payable under the certificate is an amount you can afford.
All information is correct at the time of print. Printed 6 October 2012
BONUS IMUNISASI
JANIN
IBU
PruBSN SmartLink
Tiada
RM2,000 (dalam tempoh 30 hari dari lahir) Jumlah Perlindungan Asas (selepas 30 hari dari lahir)
Tiada
Tiada
Tiada RM100 setiap hari (dalam tempoh 60 hari dari lahir dan minimum 3 hari berturut-turut)
RM2,000
Tiada
PENAFIAN: Prudential BSN Takaful Berhad tidak mewakili atau memberi sebarang jaminan, sama ada secara langsung atau tidak langsung, berkenaan kesempurnaan, ketepatan, kebolehpercayaan, kesesuaian atau kewujudan perkhidmatan yang ditawarkan berkenaan pakej darah tali pusat yang diberikan oleh pihak ketiga. Sebarang kebergantungan anda terhadap perkhidmatan tersebut adalah atas risiko anda semata-mata. Pihak ketiga juga berhak untuk menamatkan perkhidmatan berkaitan produk ini pada bila-bila masa dalam tempoh tawaran dengan memberi notis tiga bulan.
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Baby Care
Untuk masa terhad, nikmati 20% diskaun yuran darah tali pusat apabila anda menyertai pelan PruBSN SmartLink ketika anda hamil. Sila hubungi Khidmat Pelanggan Kami untuk maklumat lanjut.
8/10/12 6:
Nota-Nota Penting Risalah ini bukan merupakan satu kontrak di antara anda dan Prudential BSN Takaful Berhad. Ianya hendaklah dibaca bersama dengan risalah PruBSN Link Series, Ilustrasi Pelan, Lampiran Keterangan Produk dan Lampiran Fakta Dana. Terma dan syarat yang lengkap boleh didapati dalam dokumen sijil. Sila minta sampel terma-terma dan syarat-syarat jika anda perlukan maklumat terperinci mengenai pelan tersebut.
Manfaat Baby Care tidak akan dibayar sekiranya anak: tidak dilahirkan semasa tempoh sijil atau lahir ketika dalam 10 bulan tempoh menunggu atau lahir dalam tempoh 18 bulan daripada tuntutan yang boleh dibayar untuk kelahiran terdahulu
Pengecualian
PruBSN SmartLink dan Baby Care tidak melindungi situasi berikut. Sekiranya salah satu daripadanya berlaku, manfaat yang ditawarkan di bawah pelan TIDAK AKAN dibayar kepada anda.
sebarang rawatan atau pembedahan bagi Keadaan Kongenital termasuk keadaan yang disebabkan oleh keturunan perbuatan secara sengaja seperti mengambil dadah, racun atau minuman keras yang memabukkan, bunuh diri atau percubaan membunuh diri atau kecederaan ke atas diri sendiri yang disengajakan semasa waras atau tidak waras AIDS, kompleks berkaitan AIDS atau jangkitan oleh HIV penggunaan dadah yang tidak dipreskripsikan, di mana mengikut undang-undang dadah tersebut perlu dipreskripsikan oleh Doktor memilih untuk menamatkan kehamilan selain daripada atas sebab-sebab perubatan seperti yang dinasihatkan oleh Perunding Obstetrik dan Sakit Puan sebarang rawatan kesuburan dan komplikasi yang mungkin timbul daripada rawatan tersebut sebarang perbuatan yang menyalahi undang-undang, perbuatan jenayah atau perbuatan secara sengaja atau kegagalan untuk bertindak peperangan, rusuhan atau revolusi atau sebarang peristiwa seumpamanya atau mengambil bahagian dalam rusuhan, mogok atau kekacauan awam Semua pengecualian dan had di atas adalah tidak terhad dan anda perlu merujuk kepada dokumen sijil untuk maklumat lanjut.