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Public Mutual Berhad
  • Invest Now
  • Our Products
    • Unit Trust
    • Shariah-based Unit Trust
    • e-Series of Funds
    • EPF Investment
    • Private Retirement Scheme
    • Our Funds
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    • About Our Funds
    • Financial Planning Services
    • Exclusive Privileges
    • Promotion
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Sub Banner_Investment Planing



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 Islamc Conservative
  • PRS Islamic Strategic Equity Fund
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
Find out more information on the claims procedure
  • Underwriter of Complimentary* Insurance
  • Submission of Claim
  • Documents Required
Complimentary* Insurance/Takaful Nomination Form
  • PBF, PFEBF, PTAF, PBAREIF, PBBSQF and PBBF (Edition 12/2022)
  • PITTIKAL, PIATAF, PIMXAF and PITSEQ (FTPOS06.0621)
  • 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 (Version 1 30052018)
  • PRS Conventional and Public e-Cash Deposit Fund (Edition 12/2017)
  • PRS – Shariah and Public e-Islamic Cash Deposit Fund (Version 1 30052018)
 

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 Tokio Marine Life Insurance Malaysia 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 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.
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 Tokio Marine Life Insurance Malaysia 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 / Mutual Gold Platinum 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.


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 for PRS Shariah-Based Scheme
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)
Up to RM100,000 per contributor for PRS Conventional Scheme
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)


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
 

* Subject to terms and conditions.

 

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.

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