Death benefit
100% of the sum covered, subject to certificate terms. Coverage is annually renewable up to the expiry age of 75 ANB.
Death · TPD · Accidental death
Lindung Famili: Your family's bills do not stop when your income does.
Family commitments keep going.
Think about the mortgage, groceries, children's education and other commitments. They are easier to manage while someone in the family is earning. What happens if the breadwinner dies or suffers a qualifying permanent disability?
PruBSN Lindung Famili is a Shariah-compliant yearly renewable group term takaful plan from Prudential BSN Takaful Berhad.
RM10k–RM200kSum covered
19–65 ANBNew entry: EPF member / spouse
AnnualContributions from permitted EPF savings
About the plan
What is PruBSN Lindung Famili?
A Shariah-compliant term group takaful plan focused on death, TPD and additional accidental death protection.
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 it cover?
Death: generally 100% of the chosen sum covered for a qualifying claim, subject to the certificate.
Total and permanent disability (TPD): generally 100% of the sum covered for a qualifying claim before the relevant certificate anniversary at age 70 ANB. A TPD payment reduces the death benefit.
Additional accidental death benefit: an additional 100%, 200% or 300% of the sum covered may apply in the specified circumstances. The higher amounts are not automatic. For example, overseas cover has defined travel and destination conditions.
Total and permanent disability (TPD)
100% of the sum covered before the certificate anniversary at which the covered member reaches 70 ANB. TPD payments reduce the death benefit.
Additional accidental death benefit
An additional 100% of the sum covered for accidents; 200% in specified circumstances involving public transport, lifts or hotel/public building fires; 300% for accidents overseas, subject to the conditions below.
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. Rates are not guaranteed. This is your own savings, and using them reduces your retirement funds.
Who may consider it?
Eligible EPF members with family or financial responsibilities may wish to understand the plan. New EPF member and spouse enrolment is generally for ages 19-65 ANB, subject to current terms. Eligible dependants may be included within the prescribed limits.
The stated sum covered ranges from RM10,000 to RM200,000, in RM5,000 increments.
How do contributions work?
Contributions are paid yearly from the permitted EPF funds for eligible members. Age next birthday, gender and sum covered affect the rate. Rates are not guaranteed to remain the same. Using EPF money reduces your retirement savings.
The product documents describe a health declaration without a medical examination. This does not guarantee approval.
Benefit reference
What is paid, and when?
| Benefit | Amount / limit | Important terms |
|---|---|---|
| Death | 100% of sum covered | Annually renewable up to expiry age 75 ANB. |
| TPD | 100% of sum covered | Before the certificate anniversary at which the member reaches 70 ANB. TPD payouts reduce the death benefit. The certificate terminates after the full TPD sum covered is paid. |
| Accidental death | Additional 100% | On top of the death benefit, subject to the accident definition. |
| Accident in specified circumstances | Additional 200% | Mechanically propelled public transport; lifts outside mines/construction sites; or hotel/public building fires as defined in the certificate. |
| Overseas accidental death | Additional 300% | Overseas stays/trips of no more than 90 consecutive days; excluding Singapore and Brunei. |
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
One health declaration is 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. Contributions and Tabarru’ are not guaranteed. An upfront Wakalah charge of 15% is included in the contribution; the remaining 85% 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 Lindung 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
What should you check before applying?
Read the exclusions, including certain first-year suicide exclusions and exclusions that may apply to TPD or accidental death. Contributions must be paid within the applicable grace period; otherwise the certificate can lapse.
Independent guidance by Zunaidi, Caliph Group affiliate, not an EPF or PruBSN agent.
- No waiting period applies to Lindung Famili benefits. Certificate exclusions still apply.
- Additional accidental death cover ends at the certificate anniversary when the member reaches 70 ANB or the end of the coverage period, whichever is earlier.
- The additional 300% is subject to an overseas stay or trip of no more than 90 consecutive days; Singapore and Brunei are excluded.
- Key exclusions include suicide in the first certificate year, TPD due to pre-existing conditions or self-inflicted injury, and accidents involving lawbreaking or alcohol/drug intoxication.
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 TPD paid on top of the death benefit?
No. TPD payments reduce the death benefit. Refer to the certificate terms for the remaining benefit.
Is there a waiting period?
No waiting period applies to Lindung Famili. Benefit definitions, terms and exclusions still apply.
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 Cegah 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.