HEALTH360

Prudential BSN Takaful Berhad · Medical rider on investment-linked policy · 5 tiers · verified 24 Aug 2026

Tier	Annual limit	Lifetime	Room & board	Deductible	Co-ins.	Co-pay	ICU	Day surg.	Renewable	Entry age
Plan 200	RM 200R&B	Unlimited	RM 200	RM 1,000	10%	Deductible RM500/1,000/3,000; 10% Co-takaful (min RM1,000, max RM5,000); Auto-switch (10% co-takaful yrs 1-5 then Deductible RM1,000); High Deductible RM10,000/50,000	Yes	Yes	Yes	0–70
Plan 300	RM 300R&B	Unlimited	RM 300	RM 1,000	10%	Deductible RM500/1,000/3,000; 10% Co-takaful (min RM1,000, max RM5,000); Auto-switch (10% co-takaful yrs 1-5 then Deductible RM1,000); High Deductible RM10,000/50,000	Yes	Yes	Yes	0–70
Plan 400	RM 400R&B	Unlimited	RM 400	RM 1,000	10%	Deductible RM500/1,000/3,000; 10% Co-takaful (min RM1,000, max RM5,000); Auto-switch (10% co-takaful yrs 1-5 then Deductible RM1,000); High Deductible RM10,000/50,000	Yes	Yes	Yes	0–70
Plan 500	RM 500R&B	Unlimited	RM 500	RM 1,000	10%	Deductible RM500/1,000/3,000; 10% Co-takaful (min RM1,000, max RM5,000); Auto-switch (10% co-takaful yrs 1-5 then Deductible RM1,000); High Deductible RM10,000/50,000	Yes	Yes	Yes	0–70
Plan 1000	RM 1,000R&B	Unlimited	RM 1,000	RM 1,000	10%	Deductible RM500/1,000/3,000; 10% Co-takaful (min RM1,000, max RM5,000); Auto-switch (10% co-takaful yrs 1-5 then Deductible RM1,000); High Deductible RM10,000/50,000	Yes	Yes	Yes	0–70

Plan 200 RM 200 R&B

LIFETIME: Unlimited
ROOM & BOARD: RM 200
DEDUCTIBLE: RM 1,000
CO-INS.: 10%
CO-PAY: Deductible RM500/1,000/3,000; 10% Co-takaful (min RM1,000, max RM5,000); Auto-switch (10% co-takaful yrs 1-5 then Deductible RM1,000); High Deductible RM10,000/50,000
ICU: Yes
DAY SURG.: Yes
RENEWABLE: Yes
ENTRY AGE: 0–70

Plan 300 RM 300 R&B

LIFETIME: Unlimited
ROOM & BOARD: RM 300
DEDUCTIBLE: RM 1,000
CO-INS.: 10%
CO-PAY: Deductible RM500/1,000/3,000; 10% Co-takaful (min RM1,000, max RM5,000); Auto-switch (10% co-takaful yrs 1-5 then Deductible RM1,000); High Deductible RM10,000/50,000
ICU: Yes
DAY SURG.: Yes
RENEWABLE: Yes
ENTRY AGE: 0–70

Plan 400 RM 400 R&B

LIFETIME: Unlimited
ROOM & BOARD: RM 400
DEDUCTIBLE: RM 1,000
CO-INS.: 10%
CO-PAY: Deductible RM500/1,000/3,000; 10% Co-takaful (min RM1,000, max RM5,000); Auto-switch (10% co-takaful yrs 1-5 then Deductible RM1,000); High Deductible RM10,000/50,000
ICU: Yes
DAY SURG.: Yes
RENEWABLE: Yes
ENTRY AGE: 0–70

Plan 500 RM 500 R&B

LIFETIME: Unlimited
ROOM & BOARD: RM 500
DEDUCTIBLE: RM 1,000
CO-INS.: 10%
CO-PAY: Deductible RM500/1,000/3,000; 10% Co-takaful (min RM1,000, max RM5,000); Auto-switch (10% co-takaful yrs 1-5 then Deductible RM1,000); High Deductible RM10,000/50,000
ICU: Yes
DAY SURG.: Yes
RENEWABLE: Yes
ENTRY AGE: 0–70

Plan 1000 RM 1,000 R&B

LIFETIME: Unlimited
ROOM & BOARD: RM 1,000
DEDUCTIBLE: RM 1,000
CO-INS.: 10%
CO-PAY: Deductible RM500/1,000/3,000; 10% Co-takaful (min RM1,000, max RM5,000); Auto-switch (10% co-takaful yrs 1-5 then Deductible RM1,000); High Deductible RM10,000/50,000
ICU: Yes
DAY SURG.: Yes
RENEWABLE: Yes
ENTRY AGE: 0–70

● WAITING PERIODS

Verified: 24 Aug 2026
Source: official PDS / product page
PDS PDF (sample: Plan 200, Co-Payment Auto-Switch; image-based PDF, OCR-extracted) + official brochure May 2025 for full R&B 200-1,000 tier matrix (https://www.prubsn.com.my/content/dam/prudential-aem-lbu/pbtb/en/product/riders---medical/health360/PruBSN-Health360_brochure-r12-FINAL-HI-ENG.pdf); product page https://www.prubsn.com.my/en/products/riders/medical/health360. Health360 is a Unit Deducting Rider attachable to PruBSN Asas360 - the current family takaful medical rider (successor to Takafulink Medical).

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