HealthEnrich+Saving Plans

When the going gets tough, we keep the protected going.

All it takes is just one major medical incident to wipe out a lifetime savings. As medical fees increase with the constantly rising costs of living, you need a plan that can adequately safeguard yourself and the people you love against the unforeseen, and one that enriches your life.

Let HealthEnrich+ (HE+) looks after your health at every life stage. Designed with comprehensive and enhanced features, HE+ ensures optimal protection for your medical needs. That way, you and your loved ones have less to worry about and much more to look forward to in the future.

Product Features

Contribution Term Up to 25, 70 or 80 years old.
Minimum Monthly Contribution From RM83.
Eligibility Age
HE+ Vital    20 gestational weeks to 70 years old.
HE+ Select    20 gestational weeks to 70 years old.
HE+ Advanced  1 year old to 70 years old.
HE+ Premier  1 year old to 70 years old.
Coverage Expiry 25, 70 or 80 years old.
Minimum Sum Covered Not applicable.
Maturity Benefit Not applicable.
Death Benefit Not applicable.
TPD Benefit Not applicable.
Critical Illness Benefit Not applicable.
Tax Exemption Up to RM3,000 under Medical, subject to terms & conditions of Inland Revenue Board (IRB).
Features Preferred Hospitals*
These are the selected hospitals that will provide value-added services to preferred customers who take up HE+ Advanced or HE+ Premier plans.
Benefits Table

Benefits & Plan Types HE+ Vital HE+ Select HE+ Advanced HE+ Premier
If you are hospitalised
Room & Board
(Panel Hospitals)
RM200/day RM300/day RM400/day RM500/day
Room & Board
(Preferred Hospitals)
Not Applicable Not Applicable Not Applicable RM1,000/day
Max. stay at hospitals
(per annum)
120 days 150 days 150 days 200 days
Intensive Care Unit
(max 120 days per annum)
Full Coverage1 or SmartSave3002 option
Hospital Deposit at Preferred Hospitals Not Applicable Not Applicable Waived Waived
If you need outpatient treatment
Day Surgery Full Coverage1
If you are coping with life-changing events
Cancer Treatment Full Coverage1
Kidney Dialysis Treatment Full Coverage1
Additional Annual Limit due to Cancer, Heart Attack or Kidney Failure RM100,000 RM150,000 RM200,000 RM400,000
Additional Lifetime Limit for Organ Transplant Not Applicable Not Applicable RM100,000 RM200,000
Treatment Allowance for Chemotherapy, Radiotherapy, Kidney Dialysis, Heart Attack Follow Up Care RM100/day

(max RM500/year)

(max RM5,000/lifetime)


(max RM1,000/year)

(max RM10,000/lifetime)


(max RM1,500/year)

(max RM15,000/lifetime)


(max RM2,000/year)

(max RM20,000/lifetime)

If you are in an emergency
Maternity Complications Not Applicable RM6,000/year RM10,000/year RM20,000/year
Overall Annual Limit RM100,000 RM150,000 RM200,000 RM400,000
Total Annual Limit due to Cancer, Heart Attack or Kidney Failure RM200,000 RM300,000 RM400,000 RM800,000
Lifetime Limit RM1,000,000 RM1,500,000 RM2,000,000 RM4,000,000


PruBSN shall reimburse Reasonable and Customary charges on eligible expenses which are deemed Medically        Necessary.

2 If SmartSaver300 is chosen, you must first pay a fixed amount of RM300 out of the total Reasonable and     Customary charges of eligible benefits for any one disability. Items that are not subjected to the RM300 Deductible     includes Hospital Daily Room and Board, Dedicated Daily Medical Attendant, Day Surgery, Second     Medical Opinion, Treatment Allowance, Cancer Treatment, Kidney Dialysis and Organ Transplant.

Note: Please refer to the brochure, plan illustration and product disclosure sheet for detailed information.

*Subject to terms and conditions.

Riders Attachable Not applicable.
Important Note This is a brief product description only. For exact details of terms and conditions, please refer to your certificate document.

You must ensure that you are satisfied that this product will best serve your needs and that the contributions payable under the certificate is an amount you can afford.

Make an Appointment Form

Fill your details and get full consultation from our Takaful Consultants/Agents.


09-744 7646
Warith Kota Bharu

09-565 8288
Warith Kuantan

Customer Service Centre

Our Customer Service team is available to answer your questions between 8.30 am to 5.15 pm
Sunday to Wednesday(Kota Bharu,Kuantan) / Monday to Friday (Kuala Lumpur) .

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