PruBSN Smartlink

What is PruBSN SmartLink?

PruBSN SmartLink is a regular contribution investment-linked takaful plan designed to provide protection while building a secure education fund for your child. This plan also awards your child for his or her academic excellence through its unique benefit, EduSmart Bonus. With a minimum contribution of RM50 monthly, this affordable plan is available for your child between 1 to 18 years old. PruBSN SmartLink is flexible as you can choose whether the plan matures when your child reaches 25 years old or you can plan two steps ahead so that it expires either at age of 80 or 100 years old. What does PruBSN SmartLink offers? Enjoy the following unique features that are available through PruBSN SmartLink. Award academic excellence Excel in your studies and we will AWARD you with EduSmart Bonus4. The higher your contribution into the plan, the higher the award will be. Exam Award Payout* (RM) Minimum Achievement UPSR 50% of Yearly Protection Contribution 600 5As PMR 100% of Yearly Protection Contribution 1200 7As SPM 150% of Yearly Protection Contribution 1800 8As STPM or STAM 150% of Yearly Protection Contribution 1800 4As Diploma or Degree 200% of Yearly Protection Contribution 2400 3.5 CGPA or 1st Class * Payout example for yearly protection contribution5 of RM1,200 Earn Loyalty Bonus4 Pay your contribution on a timely basis and we will give you 5% of your yearly protection contributions5 upon completion of the 10th certificate year and every 3 years after that. Fund withdrawal options You can withdraw your education fund to support your child's higher education expenses. This is inclusive of the Loyalty Bonus as well as No Claim Bonus that you have accumulated. 4Subject to terms & conditions. 5This is the contribution allocated into your Protection Unit Account (PUA). How to further enhance your PruBSN SmartLink? To strengthen the plan, you may package the following additional benefits6 to gain extra coverage. Secure medical and health coverage Take up our innovative Takaful Health2 for complete hospitalisation and surgical coverage that rewards you with No Claim Bonus (NCB) if you make no claims for the year. Enhance it further with either Hospital Benefit or Medical Cover for additional hospitalisation coverage. Ensure continuous protection Choose from our range of contributor riders that will pay for your future contribution in the event of critical illness, disability or loss of life. Opt for our newly developed Joint Contributor that covers both you and your spouse to ensure that your child continues to be protected. Build your child's education fund Build your child's education fund by attaching Takaful Saver and invest it in our managed fund, Takafulink Dana Urus. To secure it further, attach any of our Takaful Saver Contributor riders to ensure that your child's education fund continues to grow even if critical illness, disability or loss of life occurs. 6Attachment of additional benefits are subject to underwriting & additional contribution.