43 critical illnesses
A lump-sum payment upon meeting the definition of a covered critical illness, including cancer, stroke and heart attack. Certificate definitions and severity requirements apply.
43 critical illnesses · Death
Cegah Famili: A serious illness can affect more than hospital bills.
Recovery has costs beyond hospital bills.
Imagine someone is diagnosed with a serious illness and cannot work for months. The household still needs food, transport and mortgage payments. A medical card and a critical illness lump-sum benefit deal with different financial problems.
PruBSN Cegah Famili is a Shariah-compliant group term takaful plan covering 43 specified critical illnesses and death, subject to the certificate.
RM10k–RM200kSum covered
19–65 ANBNew entry: EPF member / spouse
AnnualContributions from permitted EPF savings
About the plan
What is PruBSN Cegah Famili?
A Shariah-compliant term group takaful plan covering death and 43 specified critical illnesses. Critical illness benefits are paid as a lump sum, subject to certificate definitions.
Offered by Prudential BSN Takaful Berhad. Self-enrolment is through i-Lindung in the EPF i-Akaun portal, subject to eligibility and PruBSN assessment.
Understand your benefits
What does a claim mean?
A qualifying critical illness claim may pay a lump sum when the diagnosis meets the exact contractual definition and severity requirements. Merely seeing a disease name on a list does not guarantee a payment.
This plan is not a medical card. It does not promise reimbursement of all hospital bills.
Death benefit
Up to 100% of the sum covered. Critical illness payments reduce the death benefit; these are not two separate full sums.
Angioplasty benefit
For angioplasty and other invasive treatments for coronary artery disease: the lower of 10% of the sum covered or RM25,000. This is not a 100% sum-covered payout.
Who is it for?
For eligible EPF members looking to protect themselves and extend coverage to their spouse and children. Children can be covered from 14 days old to 65 ANB; up to one spouse and ten children per application.
How contributions work
Paid annually from the permitted EPF account. Contributions vary by age, gender, chosen sum covered, and smoking status. Rates are not guaranteed. This is your own savings, and using them reduces your retirement funds.
Who can apply and what does it cost?
The plan is for eligible EPF members, with new applications generally for ages 19-65 ANB and subject to PruBSN assessment. The chosen sum covered is stated as RM10,000-RM200,000 in RM5,000 increments.
Yearly contributions depend on age, gender, sum covered and smoking status, and are not guaranteed to stay the same. Contributions are paid using permitted EPF savings, reducing retirement funds.
A health declaration is required. No medical examination is described in the FAQ, but approval is not automatic.
Independent guidance by Zunaidi, Caliph Group affiliate, not an EPF or PruBSN agent.
Benefit reference
What is paid, and when?
| Benefit | Amount / limit | Important terms |
|---|---|---|
| 43 critical illnesses | 100% of sum covered, except angioplasty | Claims must meet the certificate’s disease definitions and severity requirements. |
| Angioplasty / related invasive treatments | Lower of 10% of sum covered or RM25,000 | This benefit does not pay 100% of the sum covered. |
| Death | Up to 100% of sum covered | Critical illness payouts reduce the death benefit. |
The 43 covered critical illnesses
The disease name alone does not determine claim eligibility. Full certificate definitions, severity requirements and exclusions apply. Refer to PDS page 1.
- Stroke
- Heart attack
- Kidney failure
- Cancer
- Coronary artery bypass surgery
- Serious coronary artery disease
- Angioplasty and other invasive treatments for coronary artery disease
- End-stage liver failure
- Fulminant viral hepatitis
- Coma
- Benign brain tumour
- Paralysis of limbs
- Blindness
- Deafness
- Third-degree burns
- HIV infection through blood transfusion
- Occupationally acquired HIV infection
- Full-blown AIDS
- End-stage lung disease
- Encephalitis
- Major organ / bone marrow transplant
- Loss of speech
- Brain surgery
- Heart valve surgery
- Terminal illness
- Loss of independent existence
- Bacterial meningitis
- Major head trauma
- Chronic aplastic anaemia
- Motor neurone disease
- Parkinson’s disease
- Alzheimer’s disease / severe dementia
- Muscular dystrophy
- Aorta surgery
- Multiple sclerosis
- Primary pulmonary arterial hypertension
- Medullary cystic disease
- Cardiomyopathy
- Systemic lupus erythematosus with severe kidney complications
- Progressive scleroderma
- Chronic relapsing pancreatitis
- Poliomyelitis
- Apallic syndrome
Sum-covered options
RM10,000 to RM200,000 in RM5,000 increments. Once approved, the sum covered cannot be changed during the coverage period. Multiple certificates may be held up to a combined RM200,000 cover for this product.
Health declarations
Three health declarations are required. The FAQ states that no medical or health examination is required. Information must be accurate and complete; applications remain subject to PruBSN assessment.
Sources: PDS page 1; FAQ questions 2–4, 10, 19 and 21.
Contributions, charges and renewal
Annual payment from EPF
The EPF member pays for their own and dependants’ cover. The first contribution is paid through withdrawal from the permitted EPF account. Renewal is automatically deducted while funds are sufficient. Using these funds reduces retirement savings.
Rates and plan charges
Contributions vary by age next birthday (ANB) at each anniversary, gender and sum covered, plus smoking status. Contributions and Tabarru’ are not guaranteed. An upfront Wakalah charge of 17% is included in the contribution; the remaining 83% goes to the Tabarru’ Fund. The PDS states that no commission is paid for this certificate.
If funds are insufficient
PruBSN will notify the certificate holder for further action. Monitor your balance or arrange another suitable payment method with PruBSN. The grace period is 30 days from the contribution due date; cover lapses if payment is not made within it.
Annual renewal
The FAQ states that annual renewal is guaranteed while renewal contributions are paid, up to expiry age 75 ANB. Guaranteed renewal does not mean a fixed contribution rate.
Sources: PDS page 2; FAQ questions 13–16 and 33–37.
Joining and managing your certificate
FAQ question 12 describes this as a self-enrolment plan offered only through EPF i-Akaun. WhatsApp on this website provides information and guidance; it does not approve applications or collect contributions.
- Check eligibility and balance.The EPF member must include themselves in the same application when covering a spouse or children.
- Open i-Lindung in EPF i-Akaun.Choose individual, spouse or family cover, then select PruBSN Cegah Famili.
- Complete your details and declarations.Provide accurate and complete information; read the PDS and certificate terms before authorising EPF withdrawal.
- Await PruBSN assessment.After successful deduction, PruBSN assesses the application. If successful, the e-Certificate is sent to the supplied email and can be checked in PruBSN Touch.
Nomination and claims
The certificate holder may nominate an individual as executor or beneficiary under conditional hibah. Inform the nominee about the certificate. Submit nominations and claims through official PruBSN channels; supporting documents and claim assessment are still required.
Cancellation and free-look period
You may request cancellation in writing directly from PruBSN. Within 15 days of certificate delivery, contributions are refunded under the free-look terms. Later refunds, if any, follow the unused Tabarru’ schedule in the PDS. Cancelling the EPF member’s cover also cancels dependant cover in the same application.
Sources: FAQ questions 4–5, 12 and 22–32; PDS page 2. This is a summary, not a replacement for the certificate documents.
Important terms before you decide
The small print that matters
Angioplasty and specified invasive procedures have a special limit: the lower of 10% of the sum covered or RM25,000. Critical illness payments reduce the death benefit under the same certificate.
Waiting periods apply: 60 days for certain illnesses including cancer and specified heart-related conditions, and 30 days for other listed critical illnesses, subject to terms.
- A 60-day waiting period applies to heart attack, coronary artery bypass surgery, serious coronary artery disease, angioplasty/related invasive treatments and cancer.
- A 30-day waiting period applies to all other covered critical illnesses. It runs from certificate commencement, reinstatement or endorsement, whichever is later.
- Cegah Famili is not a medical card. It does not pay hospital bills like a medical plan; covered critical illness benefits are paid as a lump sum, subject to terms.
- Critical illnesses caused by pre-existing conditions are excluded. HIV/AIDS exclusions apply except for the conditions stated in the PDS. Death from suicide in the first certificate year is also excluded.
Coverage is annually renewable up to expiry age 75 ANB, subject to contributions and certificate terms. The contribution grace period is 30 days. Read the full documents for all definitions and exclusions.
Product documents
Based on supplied PruBSN documents; PDS dated 15 November 2025. This is an independent information website, not an official PruBSN website. The English text is a summary; refer to the original documents and certificate terms.
Frequently asked questions
Is Cegah Famili a medical card?
No. It pays a lump sum when the definition of a covered critical illness is met, rather than paying hospital bills like a medical card.
Do all 43 illnesses pay 100%?
No. Angioplasty and other invasive treatments for coronary artery disease are limited to the lower of 10% of the sum covered or RM25,000. Other illnesses remain subject to certificate definitions and terms.
Who can apply?
EPF members and spouses aged 19–65 at their next birthday (ANB). Children can be covered from 14 days old to 65 ANB. Applications are subject to EPF conditions and PruBSN assessment.
Are contributions monthly or annual?
Contributions are paid annually from the certificate holder’s permitted EPF account. They change with age and are not guaranteed. Using these funds reduces retirement savings.
Let’s understand your options.
Ask us about benefits, eligibility and annual contributions on WhatsApp.
Explore PruBSN Lindung Famili · Compare both plans
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.