Giro Takaful Pelindung

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1 Giro Takaful Pelindung A COMPREHENSIVE accidental protection plan that COMPLEMENTS your NEEDS BSNMalaysia

2 Be Protected At All Times Often, we take for granted the simple things in life. What seems trivial now, may turn to be something major and serious if we are not well prepared. Even more, your loved ones will be affected as well. Accidents are the most common unexpected events that occur in our everyday lives. That is why it is important to be protected at all times even for the most basic needs in our life.

3 Get the best from the best Our Giro Takaful Pelindung plan has all the right coverage to safeguard you and your family from the worst. The plan offers more than just basic coverage such as loss of life and disability due to accidents. It also provides comprehensive coverage worldwide and coverage for non-accidental events. Furthermore, you can choose the plan coverage that best suits your and your family needs in one plan. Giro Takaful Pelindung. A plan that every family needs. How Giro Takaful Pelindung helps you Basic Coverage Accidental Death and Permanent Disablement Medical Expenses Compassionate Allowance Repatriation Expenses 24 hours worldwide coverage for you and/or your spouse and/or your children. Reimburse your accidental medical bills arising up to the amount of the plan that you have selected. A one-time RM2,000 payment upon accidental death to help your family with the funeral expenses. Reimburses up to RM5,000 for the repatriation of the remains of the covered person back to Malaysia if accidental death occurs overseas. Extra Coverage Non-accidental Events Coverage Medical expenses for each family member in case of dengue or malaria; Unprovoked murder and assault; Food and drink poisoning; Natural perils like tsunami, earthquake, windstorm, flood or landslide; Suffocation through smoke/ poisonous gas.

4 Easily choose the right Giro Takaful Pelindung package for you Choose the plan that suits your needs and budget from as low as 70 cents a day and rest assured that you and your family are well covered. Package Accidental Death and Permanent Disability A 35, Sum Covered (RM) Medical Compassionate Repatriation Expenses Allowance Expenses B 60, ,000 5,000 C 100,000 1,000 Monthly Contribution (RM) Package Self Self and Spouse Self and Child(ren) Self and Family A B C Notes: 1. Child benefits: a. Accidental Death and Permanent Disability benefit is 20% of adult s sum covered and 100% for other benefits. b. No limit on number of children. 2. The benefits for spouse are 100% of your amount.

5 What is Giro Takaful Pelindung? Giro Takaful Pelindung is a yearly renewable with monthly contribution personal accident plan that provides a comprehensive takaful protection against accidental death or bodily injury. Who can take up Giro Takaful Pelindung? This plan is available to individuals as follows: Self or spouse Child(ren) 1 Occupational Class Class 1: Class 2: Declined Class: Aged between 19 and 65 years old with Occupational Class 1 1 and 2 and is automatically renewable up to the maximum expiry age of 70. Aged between 12 months and 18 years. All professions, occupations and pursuits involving administrative work solely in offices or similar non-hazardous places. All professions, occupations and pursuits involving work of supervisory nature or field travelling but not engaging in manual labour. Other than the above.

6 What are the charges involved in Giro Takaful Pelindung? Giro Takaful Pelindung is based on the Wakalah Bil Ajr model where we put your contribution into the Tabarru Fund after deducting a wakalah charge. This is the fee for the services we provide. The details of the wakalah and other charges are listed in the table below: Charge Type Upfront wakalah charge Stamp Duty Tabarru Details of charges This charge is used to pay commission and distribution related expenses as well as for managing and investing the Tabarru Fund. The charge is 50% of your contribution. There will be a one-time Stamp Duty charge of RM10. We deduct an amount each month based on your occupation and the plan that you choose for the duration of the coverage and this will be placed in the Tabarru Fund. The takaful protection comes from Tabarru Fund. Will I receive any surplus from this plan? You are entitled to receive at least 50% of the distributable surplus (if any) from the Tabarru Fund on a yearly basis provided that you have not incurred any claims under Giro Takaful Pelindung in that certificate year. The balance up to 50% is shared with us as an incentive for managing the Tabarru Fund. Your portion of the distributable surplus will be payable to you. However if the amount is less than RM10, it will be automatically donated to charitable organisations as advised by our Shariah Committee.

7 Important Notes This brochure does not form a contract between you and Prudential BSN Takaful Berhad (PruBSN). Please refer to the Product Disclosure Sheet before participating in the plan. The full terms and conditions are set out in the certificate document. Please ask for a sample of Terms and Conditions should you need detailed information of the plan. In this brochure, Age refers to Age at Next Birthday unless otherwise stated. You should continue paying your contributions regularly until the maturity of your plan to ensure that you are fully protected under the plan at all times. Failing to do so may cease your coverage prematurely. Giro Takaful Pelindung does not provide any benefit amount from the Tabarru Fund on expiry or maturity of takaful certificate. You must inform PruBSN of any change in your occupation because it may affect the contributions, terms, conditions and benefits. The plan may be cancelled by a written notice to us within 15 days from the delivery date of the certificate documents, in which case we shall refund all the contribution received from you. Wakalah Bil Ajr is an arrangement appointing us to manage the overall services provided under your certificate. Tabarru is an arrangement where a portion of your contribution is donated into a fund to assist fellow participants in need through the benefits entitled to them. The exact amount of distributable surplus (if any) will be determined annually and is subject to approval by both the Shariah Committee and Board of Directors of PruBSN.

8 Exclusions Giro Takaful Pelindung does not cover death and injury caused by the following events: War and related risks; Nuclear and related materials; Hazardous sports; Suicide, self-inflicted injury and insanity; Childbirth, miscarriage, pregnancy or any other related complication; AIDS, AIDS-related complex or sexually-transmitted diseases; Air travel except as a passenger in a fully licensed passenger carrying aircraft; Acts of Terrorism; Provoked murder or assault; While committing or attempting to commit any unlawful act including resistance to arrest; and While driving a motor vehicle if the alcohol level in blood exceeds what is allowed by law. The exclusions and limitations above are not exhaustive and you should refer to the certificate document for further information. Find out how to best protect your family and yourself through a complete and suitable plan by contacting any of our representative or visit your nearest BSN branch for a full consultation and get yourself the right protection today.

9 Appendix General guideline to do claim submission Please attach PruBSN Claim Form in each submission and indicate the type of claim you wish to make. Please complete all questions and furnish accurate details in the Claim Form yourself unless under special circumstances. Please ensure that the signature in the Claim Form or for any declaration and/or authorisation must be clear and the same as per proposal form. Please submit original receipts unless you have submitted to other insurer/takaful operator for the same claim, where copy of receipts and respective settlement letter is required. Please submit individual receipt per consultation/treatment. Please provide proof of injury on severe condition (e.g X-ray film & report, photo and medical certificate). Do not use other insurer/takaful operator claim form. Do not scribble or use cursive handwriting that is difficult to read. Do Not copy participant s or covered person s signature.

10 Giro Takaful Pelindung is a Shariah-compliant product. This plan is underwritten by: For further information, please contact: Prudential BSN Takaful Berhad is a registered Takaful Operator under the Islamic Financial Services Act 2013 and is regulated by Bank Negara Malaysia. For more information/enquiries, pleasecontact: Prudential BSN Takaful Berhad ( H) Level 8A, Menara Prudential, No. 10, Jalan Sultan Ismail, Kuala Lumpur. Tel: (03) Fax: (03) customer@prubsn.com.my Bank Simpanan Nasional Wisma BSN, 117 Jalan Ampang, Kuala Lumpur. Tel: 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 that you can afford. All information is correct at the time of print. Printed 1 April 2016.

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