BM
Telco Inclusive Protection Scheme is a Group Term Takaful plan offering complimentary family takaful coverage to all active subscribers with contributions sponsored by participating Telcos such as CelcomDigi, Maxis/Hotlink, U-Mobile, Unifi, and Yes/YTL/XOX.
For all assistance, Kindly check Contact TIPS
Death within the B40 and M40 Groups
The majority of malaysians do not have life protection.
Average Daily Deaths in Malaysia
Every day, hundreds of families lose their loved ones.
Maximum Takaful Payout
RM5,000 for natural death + RM10,000 additional for accidental death.
As a national initiative in collaboration between PruBSN and Malaysia’s leading telecommunications companies, TIPS provides basic financial protection automatically to all Malaysians with an active SIM card. No cost. No registration. No health checks.
This protection is provided to help you and your family face difficult times with greater peace of mind.
Driven by a spirit of inclusivity and compassion, TIPS was created to provide automatic protection for all mobile users, with no fees, no forms, and no discrimination.
We believe every life deserves protection, regardless of background.
Peace of mind when every individual has a connection means staying protected. Enjoy peace of mind knowing that staying connected also means staying protected. Every eligible SIM-Card* with a participating Telco comes with complimentary takaful coverage.
Shariah-compliant group term takaful plan of which contributions are fully sponsored by Malaysia’s leading Telco providers – CelcomDigi, Maxis/Hotlink, U-Mobile, Unifi, and Yes/YTL/XOX.
No registration is required. If you are a Malaysian citizen and hold an eligible SIM-Card* with any participating Telco, you are automatically covered. No medical examination or underwriting needed.
Provides coverage for death by any cause, accidental death, along with compassionate allowance to support families during difficult times.
Straightforward and easy to understand
| Entry Age (Age Next Birthday) | Death (Any Causes) | Additional Accidental Death |
|---|---|---|
| 18-60 | RM5,000 | RM10,000 |
| 61-64 | RM1,000 | NIL |
| Death (Any Causes) | Additional Accidental Death Benefit |
|---|---|
| Provides lump sum cash benefit if you are no longer around | Provides additional lump sum cash benefit if you are no longer around due to an accident. |
| Applicable for covered member ages 18 to 60. |
No registration. No forms. Protection stays active as long as your SIM number is active.
Managed by PruBSN Takaful, ensuring every cent of contribution follows Islamic principles.
No hidden costs. No monthly fees. Everything is fully sponsored by your telco.
Digital claims that are fast, transparent, and easy — completed in just a few simple steps.
