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.