1. PruBSN SmartLink (Pregnancy & Baby Benefit)
Now you can get the support and protect your little
one before he even sees the world
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. I’m not pregnant now, do you have similar plan for me when I’m 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 After Birth
COMPASSIONATE
BENEFIT
LOSS OF LIFE
(INFANT)
ICU/HDU
IMMEDIATELY
FOLLOWING
BIRTH FOR
PREMATURE
BIRTH
INCUBATION
OF
NEWBORN
BABY
IMMUNISATION
BONUS
FOETUS MOTHER
PruBSN
SmartLink
RM2,000
Not
Available • RM2,000
(within 30 days
from birth)
• Basic Sum
Covered
(after 30 days
from birth)
Not
Available
Not
Available
Not
Available
PruBSN
SmartLink+
ExtraBasic
RM5,000
(and
within
60 days
from
delivery)
RM300 daily
(up to 30 days
from birth)
RM100 daily
(within 60 days
from birth
and min
3 consecutive
days)
Baby
Care
Not
Available
RM2,000
(within 2 years
from birth)
RM200
(after 2 years
from birth)
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.
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.

2. 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 Islamic Financial Services Act 2013 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: (03) 2053 7188 Fax: (03) 2072 6188
E-mail: customer@prubsn.com.my SMS PruBSN 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 17 October 2013