Insurance & Takaful

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Protect yourself and loved ones against the unexpected

Insurance & Estate Planning

Insurance & Takaful

Insurance Products

Public Mutual offers insurance coverage exclusively for its unitholders.

*Funds that come with Complimentary Insurance**	Conventional Public Far-East Balanced Fund Public Tactical Allocation Fund Public Balanced Fund PB Balanced Fund PB Balanced Sequel Fund PB Asia Real Estate Income Fund Public e-Cash Deposit Fund Shariah-based Public Islamic Mixed Asset Fund Public Islamic Asia Tactical Allocation Fund Public Ittikal Fund Public Ittikal Sequel Fund Public e-Islamic Cash Deposit Fund Private Retirement Scheme (PRS) PRS Growth PRS Moderate PRS Conservative PRS Equity Fund PRS Strategic Equity Fund PRS Islamic Growth PRS Islamic Moderate PRS Islamic Conservative PRS Islamic Strategic Equity Fund
Optional Insurance offered to unitholders*	Mutual Life Plus 2 Brochure Proposal Form & Product Disclosure Sheet Group Term Life with Personal Accident Brochure Proposal Form & Product Disclosure Sheet Mutual Takaful Protection Brochure Proposal Form & Product Disclosure Sheet Mutual MediCare Brochure Proposal Form & Product Disclosure Sheet Proposal To Include Additional Member(s) Form & Product Disclosure Sheet Mutual MediPlus Brochure & Product Disclosure Sheet Proposal Form
*Complimentary Group Personal Accident with Permanent Disablement**	Mutual Gold Members Mutual Gold Elite Members Mutual Platinum Members
*Complimentary Takaful Group Personal Accident with Permanent Disablement**	Mutual Gold Members Mutual Gold Elite Members Mutual Platinum Members
Product Disclosure Sheet	Public Ittikal Fund Complimentary* Takaful Public Ittikal Sequel Fund Complimentary* Takaful Public Islamic Asia Tactical Allocation Fund Complimetary* Takaful Public Islamic Mixed Asset Fund Complimentary* Takaful
Find out more information about our claim procedure	Underwriter of Complimentary and Optional Insurance Submission of Claim Documents Required
*Complimentary Insurance/Takaful Nomination Form**	PBF, PFEBF, PTAF, PBAREIF, PBBSQF and PBBF (OPPOS11.0714) PITTIKAL, PIATAF, PIMXAF and PITSEQ (FTPOS06.0813(V4.0)) Mutual Platinum, Mutual Gold Elite and Mutual Gold member – Group PA (Edition 01/2020) Mutual Platinum, Mutual Gold Elite and Mutual Gold member – Group PA Takaful (Nomi_Ind Family_Ver3 04/2017) PRS Conventional and Public e-Cash Deposit Fund (Edition 12/2017) PRS – Shariah and Public e-Islamic Cash Deposit Fund (Nomi_Ind Family_Ver3 04/2017)
Optional Insurance/Takaful Nomination Form	Mutual Life Plus 2 and Group Term Life with Personal Accident (OPPOS11.0714) Mutual Takaful Protection (FTPOS06.0813(V4.0))

Complimentary* Group Term Life / Personal Accident Insurance

The following Insurance/Takaful coverage is provided to qualified unitholders of the following funds:

Fund	Insurance Company	Coverage	Eligibility	Max unit/NAV	Coverage age	Remarks
Public Far-East Balanced Fund	AIA Bhd	Term Life & Personal Accident (2 x coverage for accidental causes)	Minimum NAV of RM5,000 at any time (accumulate from EPF & Cash investment account(s))	Up to NAV of RM100,000	18 -59 (coverage will cease at age 60)	The total sum cover is equal to the NAV of units held in the ratio of RM1 insurance coverage for every RM1 NAV of units held.
Public Tactical Allocation Fund
Public Balanced Fund			Minimum of RM5,000 Units at any time (accumulate from EPF & Cash investment account(s))	Up to 100,000 Units		The total sum cover is equal to the number of units held in the ratio of RM1 for every units held.
Public Ittikal Fund	AIA Public Takaful Bhd
Public Ittikal Sequel Fund			Minimum NAV of RM5,000 at any time (accumulate from EPF & Cash investment account(s))	Up to NAV of RM100,000		The total sum cover is equal to the NAV of units held in the ratio of RM1 insurance coverage for every RM1 NAV of units held.
Public Islamic Mixed Asset Fund
Public Islamic Asia Tactical Allocation Fund
Public e-Islamic Cash Deposit Fund	Syarikat Takaful Malaysia Am Bhd	Personal Accident
Public e-Cash Deposit Fund	Lonpac Insurance Bhd
PB Asia Real Estate Income Fund	AIA Bhd	Term Life & Personal Accident (2 x coverage for accidental causes)	Minimum NAV of RM5,000 at any time (accumulate from EPF & Cash investment account(s))	Up to NAV of RM100,000	18 -59 (coverage will cease at age 60)	The total sum cover is equal to the NAV of units held in the ratio of RM1 insurance coverage for every RM1 NAV of units held.
PB Balanced Sequel Fund
PB Balanced Fund			Minimum 5,000 Units at any time (accumulate from EPF & Cash investment account(s))	Up to 100,000 Units		The total sum cover is equal to the number of units held in the ratio of RM1 for every units held.

The following Insurance/Takaful coverage is provided to qualified Mutual Gold / Mutual Gold Elite members.

Insurance Company	Coverage	Eligibility	Mutual Gold Qualifying Points (MGQP)	Coverage age	Remarks
Lonpac Insurance Bhd	Personal Accident	Minimum 150,000 Mutual Gold Qualifying Points (MGQP) at any time	Up to 500,000 MGQP for Mutual Gold member, 750,000 MGQP for Mutual Gold Elite member and 1,000,000 MGQP for Mutual Platinum member	18 - 74 (coverage will cease at age 75)	The total sum cover is equal to the MGQP in the ratio of RM1 insurance coverage for each MGQP.
Syarikat Takaful Malaysia Am Bhd	Personal Accident	Minimum 150,000 Mutual Gold Qualifying Points (MGQP) at any time	Up to 500,000 MGQP for Mutual Gold member, 750,000 MGQP for Mutual Gold Elite member and 1,000,000 MGQP for Mutual Platinum member	18 - 74 (coverage will cease at age 75)	The total sum cover is equal to the MGQP in the ratio of RM1 takaful coverage for each MGQP.

Note:

Details in this web page are for information purposes only. The benefits and exclusions described herein are subject to all the terms and conditions of the Master Policy. The copy can be viewed at any of Public Mutual Customer Service Centre/Branches

PRS with Personal Accident Insurance / Takaful Coverage

Complimentary* Personal Accident Insurance / Takaful with coverage of Accidental Death and Permanent
Disability is provided to qualified PRS contributors.

Fund	Effective Date	Insurance Company	Coverage age	Eligibility	Maximum Coverage	Remarks
PRS Islamic Growth (PRS-IGRF)	1 October 2013	Syarikat Takaful Malaysia Am Bhd	18 -59 (coverage will cease at age 60)	Minimum NAV of RM5000 at any time (can be accumulated from various PRS accounts for Shariah-Based Series of funds)	Up to RM100,000 per contributor	Sum cover is equal to the NAV of units held in the ratio of RM1 takaful coverage for every RM1 NAV of units held.
PRS Islamic Moderate (PRS-IMDF)
PRS Islamic Conservative (PRS-ICVF)
PRS Islamic Strategic Equity Fund (PRS-ISEQF)	6 November 2015
PRS Growth (PRS-GRF)	1 October 2013	Lonpac Insurance Bhd		Minimum NAV of RM5000 at any time (can be accumulated from various PRS accounts for Conventional Series of funds)		Sum cover is equal to the NAV of units held in the ratio of RM1 insurance coverage for every RM1 NAV of units held.
PRS Moderate (PRS-MDF)
PRS Conservative (PRS-CVF)
PRS Equity Fund (PRS-EQF)	3 September 2015
PRS Strategic Equity Fund (PRS-SEQF)

*Subject to the terms and conditions

Full Terms and Conditions on coverage.

Please call or e-mail us should you need any clarification on the above.

You are advised to read and understand the following before contributing or proceeding further from this page:

Product Highlights Sheet
Disclosure Document

Members should rely on their own evaluation to assess the merits and risks of the contribution. In considering the contribution, members who are in doubt as to the action to be taken should consult their professional advisers immediately.