Employee Insurance
Introduction to PruBSN SME@Work
📌 What is PruBSN SME@Work?
- A brief explanation of this group takaful plan.
- Key advantages of the plan for both employers and employees.
📜 Why is PruBSN SME@Work important for your company?
- Enhances employee well-being.
- Makes your company more attractive to potential employees.
- Reduces employees’ financial burdens in unexpected situations.
➕ Optional Benefits:
- Accident Protection:
- GADD – Compensation for accidental death or injury.
- GPPD – Compensation for partial and permanent disability.
- GAMR – Reimbursement of medical expenses due to accidents.
- Medical & Hospitalization Benefits:
- GHS – Comprehensive hospital and surgical coverage.
- GTI – Lump sum payout for terminal illness diagnosis.
- Critical Illness Coverage:
- GCI – Lump sum payout for 43 critical illnesses.
- GCIA – Additional critical illness coverage without reducing GTT benefits.
- Income & Funeral Benefits:
- GETI – Annual payout for up to 10 years in case of TPD.
- CA – Funeral benefit payout, including RM1,000 for spouse and RM500 for children (up to 3 children).
📊 Plan Comparison Table:
| Plan | Coverage Amount (GTT) |
|---|---|
| Plan 1 | RM20,000 |
| Plan 2 | RM30,000 |
| Plan 3 | RM60,000 |
| Plan 4 | RM100,000 |
| Plan 5 | RM150,000 |
| Plan 6 | RM200,000 |
Why Choose PruBSN SME@Work?
✅ Comprehensive protection for employees and their families.
✅ Flexibility in selecting plans and additional benefits.
✅ Worldwide coverage (subject to a 90-day residency requirement).
✅ Easy claim process with access to PruBSN’s panel hospitals.
✅ Shariah-compliant, based on Tabarru’ (donation) and Ta’awun (mutual assistance) principles.
Frequently Asked Questions (FAQ)
🛠 1. Who is eligible to join this plan?
- All company employees, directors, partners, and owners aged 16 to 65 years.
📅 2. How long is the coverage period?
- The coverage period is one year and can be renewed annually.
🌍 3. Is this coverage valid outside Malaysia?
- Yes, but subject to a 90-day residency requirement in Malaysia.
🏥 4. How does the hospital claim process work?
- Covered employees can use a Guarantee Letter at PruBSN panel hospitals for cashless treatment.
📄 5. How can I sign up for this plan?
- Contact a PruBSN representative or fill in the application form on this website.