This site is not an official PruBSN website. Refer to the official documents: Lindung Famili PDS (PDF) · Cegah Famili PDS (PDF)
BMEN
WhatsApp us

For public servants without a pension and private-sector employees

You have EPF savings. But is your family protected enough?

Never had takaful, had a certificate lapse, or already covered but unsure if it is enough? Eligible EPF members can consider using part of their permitted savings for yearly takaful contributions.

RM212a year for Lindung Famili, male ANB 30, RM100,000 covered. ≈ RM0.58 a day. Paid once a year.
Calculate yearly contributionHow to register
  • Rates cross-checked against PruBSN’s official contribution tables
  • Calculation inputs stay in your browser; basic usage events are recorded
  • No medical exam, only a health declaration
This is your own savings, not free money or a government handout. Using it reduces your retirement savings. Not every contributor is eligible.

Which situation sounds familiar?

You've never had takaful. Perhaps it was never the right time, or the options felt confusing. Start by understanding the basics.

Your old certificate has lapsed. An application for a new plan does not automatically reinstate the old certificate. Check the old policy status with its original operator.

You already have cover. Good. Now check whether it is enough, where the gaps are, and whether additional cover is necessary.

Start with what your family needs.

Think about groceries, school expenses and the mortgage. Different protection benefits address different risks. Start with the commitments your family would still have to meet.

Two plans. Different jobs.

These plans address different risks. Lindung Famili TPD and accidental death benefits end at the certificate anniversary at age 70 ANB; death cover is subject to expiry at 75.

Death · TPD · Accident

PruBSN Lindung Famili

  • Death benefit, 100% of the sum covered
  • Total & permanent disability (TPD) before ANB 70
  • Extra accidental death benefit of 100%/200%/300% depending on circumstances
  • Sum covered RM10,000–RM200,000

No waiting period · RM10k–RM200k

WhatsApp usRead more
43 critical illnesses · Death

PruBSN Cegah Famili

  • Lump-sum payout for the 43 covered critical illnesses
  • Death benefit is included too (reduced if a critical illness claim is paid)
  • Sum covered RM10,000–RM200,000
  • Not a medical card

30 / 60-day waiting period · RM10k–RM200k

WhatsApp usRead more
19–65ANB eligible to register
RM10k–200ksum covered
ANB 75renewable up to

Let's do the maths, not guess.

Enter your date of birth and check the yearly amount. Contributions change with age and rates are not guaranteed. Verify the final amount on the official portal.

What happens next?

Check eligibility, read the official product documents, calculate the yearly contribution, and follow the customer registration guide. The Caliph link is an affiliate referral step; the takaful application itself proceeds through EPF i-Akaun and the relevant official channels. Never share your PIN, password or OTP.

Three things to remember

This is your own retirement money, not free cover or a government grant. Using it reduces your remaining savings. Benefits have definitions and exclusions, and yearly renewal depends on contributions being paid within the applicable grace period.

Frequently asked questions

Can’t find your answer? Ask our team directly. We reply on WhatsApp, no pressure.

Ask on WhatsApp
Is this free because it uses EPF savings?
No. It uses your own permitted savings and reduces your retirement balance. It is not a government grant.
I already have takaful. Do I need more?
Not necessarily. Review your existing benefits, family commitments and retirement savings before considering additional cover.
I have never had takaful. Where do I start?
Understand what each plan covers, check your needs and calculate the yearly contribution. Applications are subject to eligibility and the official process.
My takaful certificate has lapsed. Can it be reinstated?
This website cannot reinstate an old certificate. Whether an old certificate can be reinstated depends on its terms; check directly with PruBSN. What we help with: working out the contribution and pointing you to the route for applying for a new certificate (new registration is 19–65 ANB, subject to PruBSN’s assessment).
Why do certificates lapse and how can I avoid it?
A certificate lapses when the contribution is not paid within the 30-day grace period. For these plans, the yearly renewal contribution is deducted automatically from your retirement account as long as the balance is enough. If the balance is not enough, PruBSN will notify you and you need to arrange payment within the grace period. Check your balance before the certificate anniversary.
I was diagnosed with an illness after my old certificate lapsed. Can I register again?
You can apply, but the application is assessed by PruBSN and illnesses arising from pre-existing conditions are excluded (Cegah Famili: critical illness; Lindung Famili: TPD). Answer the health declaration honestly. This is why it is better to start while you are still healthy.
Who can register?
Contributors aged 19–65 (age next birthday, ANB) can apply for new registration, subject to the savings provider’s conditions and PruBSN’s assessment. Our calculator works out ANB from your date of birth. Spouse is also 19–65 ANB. Children 14 days to 65 ANB. Ages 66–74 are for renewal only, not new registration. Age alone does not guarantee eligibility.
Can I include my spouse and children?
Yes. You (the contributor) must be a certificate holder in the same application. One application is limited to 1 spouse and 10 children. Children include biological, adopted and step-children.
Why is the contribution paid yearly?
Both plans are paid once a year, deducted from your retirement account. The amount is not the same every year because it changes with age at each certificate anniversary, and it is not guaranteed to stay the same.
Is this a medical card?
No. PruBSN Cegah Famili pays a lump sum when you are diagnosed with one of the 43 covered critical illnesses (subject to terms). It does not cover hospital bills like a medical card.
What about pre-existing conditions?
Cegah Famili excludes critical illnesses caused by pre-existing conditions, and Lindung Famili excludes TPD from pre-existing conditions. You must answer the health declaration honestly when applying (1 for Lindung, 3 for Cegah); no medical examination is required.
Is there a waiting period?
Lindung Famili: no waiting period. Cegah Famili: 60 days for heart attack, coronary artery bypass surgery, serious coronary artery disease, angioplasty and cancer; 30 days for other critical illnesses.
Can the cover be renewed?
Yes, yearly until the covered person reaches ANB 75, as long as the contribution is paid within the 30-day grace period. If your retirement account balance is not enough, PruBSN will notify you; the certificate can lapse if the contribution is not paid.
What about nomination and hibah?
Certificate holders are encouraged to nominate. A nominee can be the executor (wasi) or a beneficiary under conditional Hibah. Receipt of benefits follows the certificate and PruBSN’s official process; it is not automatic.
Can I really use my retirement savings?
Eligible contributors can use part of the savings in the permitted retirement account to pay the contribution through the official registration portal. This is your own savings, not a government handout, and using it reduces your retirement savings.
Is this website official?
No. We are an independent sales/information website and not an official PruBSN site. Registration and applications are completed through the official registration portal and PruBSN. Refer to the official documents: Lindung Famili PDS and Cegah Famili PDS (PDF links at the top and bottom of this site).

Who is behind this site?

I'm Zunaidi. I've worked in the takaful field since 2014. For this site, I am a Caliph Group affiliate, not an EPF or PruBSN agent. This is an independent information site, not an official EPF or PruBSN website.

My job here is to help you understand the choices and registration steps. Approval and claims are handled by the relevant official parties.

Check the calculatorRead official documents

About this site

My name is Zunaidi. I am not an agent of EPF or Prudential BSN Takaful Berhad. My role for i-Lindung is as a Caliph Group affiliate. I have experience in the takaful field since 2014.

That earlier experience is separate from my current affiliate role. This is not an official EPF/PruBSN website. Using your savings for contributions reduces your retirement balance. Eligibility, benefits and approval are subject to official terms.

Contribution calculatorRegistration guideAsk on WhatsApp
PDS PruBSN Lindung Famili (PDF)FAQ PruBSN Lindung Famili (PDF)PDS PruBSN Cegah Famili (PDF)FAQ PruBSN Cegah Famili (PDF)KWSP i-Lindung
RegisterWhatsApp