Perlindungan Tenang is a Bank Negara initiative together with the insurance and takaful industry to develop insurance and takaful products that meet the needs of underserved segments, particularly the bottom 40% of household (“B40”). Aimed at providing insurance and takaful protection against key risks in life, Perlindungan Tenang comprises of insurance/takaful products that meet the criteria of being affordable, accessible, easy to understand and convenient claims process.