Bijak Wang

PruBSN Ummah


Spiritual fulfillment, Protection and Savings...all in one!

Many people plan for the big things in life. We plan for a good life and we plan for the well being of our loved ones. In our pursuit for all these good things in life, as Muslims, we ought to also prepare for spiritual fulfillment.

What is PruBSN Ummah?

PruBSN Ummah is a family Takaful plan designed to cater to Muslims’ spiritual as well as worldly needs. This plan provides you with protection and savings, as well as benefits that will assist you with your spiritual quest.

What are the benefits that PruBSN Ummah can offer?

Loyalty Bonus¹

This is benefit for being our loyal customer. You will earn this benefit when you complete your takaful period. Additionally, this bonus will also be paid in the event of death or total and permanent disability on top of your other takaful benefits

In order to ensure you have peace of mind during Hajj, you will also be given a Hajj allowance, which is a part of the loyalty bonus. The allowance is intended to supplement your expenses. You can also use it to ensure the financial needs of your family at home are taken care of whilst your perform your obligations in Mecca.

Withdrawals of savings for Hajj and Umrah

You can withdraw part of your savings from your account to supplement the need for your journey for Hajj or Umrah, subject to the following conditions:

  • Only 1 withdrawal is allowed for Umrah and Hajj each throughout the certificate term.
  • Withdrawals can only be made after the 5th certificate year
  • Each withdrawal must be at least RM500 and at most 70% of your account balance prior to withdrawing.
  • There must be a minimum balance of RM2,000 left in your account after withdrawal.

Death and Total and Permanent Disability Benefits (TPD)

Upon your death or total and permanent disability, you or your nominee will receive cash equivalent to your coverage i.e. takaful benefit amount.

In addition, your family will receive an additional RM2,000 as a form of compassionate benefit upon your unfortunate passing that could be used for funeral or other related expenses.

Double Your Takaful Benefits² While on Hajj or Umrah

You will receive double coverage i.e. takaful benefit amount, in the unfortunate case of your death or total and permanent disability (TPD) while performing your Hajj or Umrah.

Badal Hajj

In the event of your passing or suffering from total and permanent disability before you have the opportunity to perform Hajj, we will ensure your Hajj obligation is fulfilled by paying your nominee or a third party to perform Badal Hajj for you.

Critical Illness Benefits

We will provide you with a part of your basic coverage amount as a financial assistance if you are diagnosed with a covered critical illness.

Futhermore, we will also ensure that your protection and savings in the plan will continue as the takaful contributions will be paid continuously for you. This cover is optional for this plan.

Islamic Will Writing

We will arrange for you basic Islamic Will Writing service managed by Amanah Raya Berhad. This service is optional.

¹Loyalty bonus is non guaranteed benefit and subject to terms and conditions. There is waiting period of 5 years before you are eligible for the benefit.

²A waiting period of 3 years is applicable.


Who can take up this plan?

This plan is for people aged between 19 – 60 years old next birthday who want a plan that not only gives them protection and savings, but also assists them in fulfilling their religious obligations.

What is the loyalty bonus and Hajj allowance, and how do I earn it?

Loyalty bonus is a special benefit designed for being our loyal customer. Your loyalty bonus is based on a percentage of your contribution that increases the longer you are in the plan. You will receive your loyalty bonus when you:

  • Perform Hajj (as a Hajj Allowance), or

  • Survive until the end of the plan, or

  • Become totally and permanently disabled, or

  • Pass away

The loyalty bonus that you receive as Hajj Allowance can either be used as your pocket money upon your confirmation to go for Hajj, or it can also be used to secure the financial needs of your loved ones at home while you perform Hajj.

In addition, your loyalty bonus will continue to grow even after you have used it as a Hajj Allowance for as long as you continue to pay the contribution. The loyalty bonus will be payable subject to the events mentioned above.

How do I make arrangement for Badal Hajj?

In the unfortunate event of your death or total and permanent disabilty before performing Hajj, we will make the necessary arrangement for Badal Hajj to be performed for you. We will pay RM 3,000 to your nominee (preferably your next of kin aged 18 years and above) or Tabung Haji Travel & Services for them to perform Badal Hajj for you.

How can I enhance PruBSN Ummah coverage?

You may enhance your PruBSN Ummah benefits with the following options with additional contributions.

Crisis Shield

Provides you with a part of your basic sum covered amount if you are diagnosed with a covered critical illness.



Pays for your annual PruBSN Ummah Takaful contributions if you are diagnosed with a covered critical illness.

How do I benefit from Islamic Will Writing services?

We will provide you with all the necessary arrangement needed for your will to be made in a hassle free environment. The will you make will be managed by Amanah Raya Berhad.

You will only need to pay a one-time fee for this service.

How much do I contribute for this plan?

The minimum monthly contribution is RM 50. However, your actual contribution amount shall depend on the following:

  • your age

  • your amount and term of coverage

  • your health status

  • your occupation (if applicable)

  • your gender

  • your payment method

  • the frequency of payment whether monthly, quarterly, half-yearly or yearly

How does sharing of Investment Profit on Mudharabah Principles work?

The Mudharabah allows you to share any investment profit from your account and Tabarru’ fund. You will receive 80% of the profit while we will receive 20% from it. Your profit will be placed back into your account and Tabarru’ fund respectively.

How can PruBSN Ummah assist you on top of your Tabung Haji savings?

PruBSN Ummah is not a replacement for your Tabung Haji account. It complements your Tabung Haji savings by providing you with additional savings and takaful protection.


This brochure is a brief description only. For exact details of terms and conditions, please refer to your certificate document.

You should satisfy yourself that this product will serve your needs and that the contribution payable under the certificate is an amount you can afford.