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Saturday, May 1, 2010

Pelan Takaful MyGraduan

Securing a brighter future for your ‘Little Me’
It’s indeed a brand new chapter in life as you welcome the arrival of your first bundle of joy! You begin to plan what’s best for them. Yes, a good higher education is the most perfect gift that you could ever give to your child, providing them the key to endless wide career opportunities in life, yet at the same time it can be the most costly gift too.
Nonetheless it is never too late to start saving for your children’s higher education. You can achieve that sound financial plan to overcome that ever increasing cost of education by participating in Takaful myGraduan. Takaful myGraduan is a unique Shariah-compliant structured investment-linked plan that provides both comprehensive protection and savings for you and your child even in the event of uncertainties.
As low as RM100 per month or RM1,200 a year, you can now start to build your children’s higher education fund with a peace of mind. What are you waiting for? Start securing a brighter future for your children TODAY!
What are the benefits provided?
In the event of Death or Total and Permanent Disability (TPD) of Participant, the higher of guaranteed Sum Covered or Net Asset Value (NAV) of the investment funds will be paid to the nominee to execute disbursement to the beneficiaries.
You can choose the Sum Covered amount based on the Contribution you would like to pay, subject to a minimum forty (40) times of the takaful Contribution (please refer to Exhibit 1 for calculations of Takaful Contribution and Investment Contribution).
If Option 1 of benefit payment is selected: During staggered payment period, a predefined percentage of the NAV of the investment funds at the next valuation date after the payment due date less any indebtedness will be payable (for the final payment at maturity) to the Participant.
If Option 2 of benefit payment is selected: On maturity, the NAV of the investment funds at the next valuation date after the maturity date less any indebtedness will be payable to the Participant.
The NAV of investment funds are not guaranteed and based on the actual performance of the fund. Please refer to the Certificate for detailed descriptions of benefits covered under this plan.
Who is eligible to participate?
Children who are between 30 days old to age 15 are eligible to participate in Takaful myGraduan (subject to underwriting assessment). Your children will further enjoy the benefits up to expiry age of 22.

Pelan Takaful MyInvest

lTakaful + Investment = Takaful myInvest
Looking for the plan that you can invest and be financially protected at the same time? Let Takaful myInvest help you achieve your financial goals!
With just RM100 per month, you may enjoy the great flexibility of diversifying your investment portfolio while obtaining your ideal takaful protection, ALL IN ONE PACKAGE! Through various Shariah-compliant investment funds managed by our in-house investment specialists, you can invest and spread your savings in our various funds to suit your risk appetite. Be assured, the extensive takaful protection comes with this exclusive plan, to ensure that you and your loved ones are financially secured in trying moments...
What are the benefits provided?
In the event of Death, Total and Permanent Disability (TPD) Participant, the following takaful benefit will be payable according to the option selected by you:
Option Takaful Benefit
Option A Sum Covered + Net Asset Value (NAV) of the Investment Fund
Option B Higher of Sum Covered or Net Asset Value (NAV) of the Investment Fund
The NAV of the Investment Fund* will be payable on termination or maturity of the plan.
* The NAV will fluctuate based on the underlying performance of the investment funds.
Who is eligible to participate?
If you are between 18 to 65 years old, you are eligible to participate in Takaful myInvest (subject to underwriting assessment). You will enjoy the benefits from this plan up to a maximum expiry age of 80.

Pelan Takaful MyRawat

Protects Your Health & Wealth from the Unexpected
Consistent with our principle of “Sharing”, whether in profit or in kind, Takaful myRawat offers you a comprehensive health care plan, in line with our commitment to help you and your family in the time of need. By choosing Takaful myRawat, you will enjoy various benefits & privileges such as:
  • 24-hour worldwide protection
  • Hospitalisation and surgical coverage
  • Emergency out-patient treatment benefits
  • Special cover for serious diseases under certain plans
  • Funeral expenses
  • Conditional guaranteed renewable up to a maximum expiry age of 70.
  • Surplus sharing (if any) from the Risk Fund, payable annually
* Terms and conditions apply.
What are the benefits provided?
You have the option to choose from the following plans that best suit your needs:
Ehsan Package
Benefits/Plan Plan 1 Plan 2 Plan 3
Hospital Services and Professional Fees
Hospital Room & Board (maximum 120 days per year) 350 250 150
Intensive Care Unit (maximum 60 days per year) 15,000 10,000 6,000
Hospital Supplies and Services 5,000 3,500 2,500
Surgical Fees (including Anaesthetic Fees and Operating Theatre) 10,000 8,000 6,250
In-hospital Physician’s Visit (maximum 120 days per year) 150 120 90
Pre-Hospitalisation Diagnostic Services and Specialist Consultation (within 90 days prior to hospitalisation) 1,200 900 600
Ambulance Fees 200 200 200
Post-Hospitalisation Treatment (within 31 days after discharge) 700 500 300
Out-patient Accidental Treatment (within 24 hours after the accident) 4,000 3,000 2,000
Government Hospital Daily Cash Allowance (maximum 60 days per year) 100 80 60
Funeral Expenses 4,000 4,000 4,000
Special Catastrophe Disease
Out-patient Cancer Treatment (limit per year) 30,000 20,000 10,000
Out-patient Kidney Dialysis (limit per year) 30,000 20,000 10,000
Organ Transplant for Heart, Lung, Liver and Kidney (limit per lifetime) 50,000 30,000 20,000
Ehsan Package – Supplementary Major Medical Benefit
If you choose Ehsan Package, you also have the option to include the Supplementary Major Medical benefit. With this benefit, you will be covered for a certain percentage of the expenses that exceed the limits set out in the basic package as follows:
Benefits/Plan Plan 1 Plan 2 Plan 3
Hospital Services and Professional Fees
Hospital Room & Board** 350 250 150
Intensive Care Unit (maximum 60 days per year)
Hospital Supplies and Services
Surgical Fees (including Anaesthetic Fees and Operating Theatre)
In-Hospital Physician’s Visit (maximum 120 days per year)
80% of expenses*
(exceeding the limits set out in the basic package)
Annual Limit 100,000 60,000 30,000
* A deductible of RM500 will be applied.
** Exceeding the maximum number of days set out in the basic package.
Bakti Package
Benefits/Plan Plan 1 Plan 2 Plan 3 Plan 4
Hospital Services and Professional Fees
Hospital Room & Board (maximum 120 days per year) 250 150 100 50
Intensive Care Unit (maximum 60 days per year) 10,000 6,000 4,000 2,000
Hospital Supplies and Services 3,500 2,500 2,000 1,500
Surgical Fees (including Anaesthtic Fees and Operating Theatre) 8,000 6,250 5,000 3,750
In-Hospital Physician’s Visit (maximum 120 days per year) 120 90 70 50
Pre-Hospitalisation Diagnostic Services and Specialist Consultation (within 90 days prior to hospitalisation) 900 600 400 200
Ambulance Fees 100 100 100 100
Post-Hospitalisation Treatment (within 31 days after discharge) 500 300 200 100
Out-patient Accidental Treatment (within 24 hours after the accident) 3,000 2,000 1,500 1,000
Government Hospital Daily Cash Allowance (maximum 60 days per year) 80 60 40 20
Funeral Expenses 4,000 4,000 4,000 4,000
Please note that all benefits shown are on REIMBURSEMENT basis. The benefit payable for Surgical Fees (including Anaesthtic Fees and Operating Theatre) is subject to Surgical Schedule Fees.
Who is eligible to participate?
If you are between 15 days old to 60 years old, you are eligible to participate in Takaful myRawat (subject to underwriting assessment). You may renew the Certificate up to a maxim expiry age of 70 years old.

Pelan Takaful MyMedicare

Your Comprehensive Medical Takaful Plan!
Takaful myMedicare is a CASHLESS* hospital and surgical takaful plan that provides comprehensive coverage specially tailored to meet you and your family’s medical needs. By choosing Takaful myMedicare, you will enjoy various benefits & privileges such as:
  • 24-hour worldwide protection
  • Hospitalisation and surgical coverage
  • Emergency out-patient treatment benefits
  • “As charged” coverage for certain major benefits
  • Cashless admission to our panel hospitals
  • Conditional guaranteed renewable up to a maximum expiry age of 70
  • Reasonable Contribution rates for excellent benefits
  • Surplus sharing (if any) from the Risk Fund, payable annually
* Terms and conditions apply.
What are the benefits provided?
You have the option to choose from the following plans that best suit your needs:
Benefits/Plan Plan 1 Plan 2 Plan 3 Plan 4
Hospitalisation and Surgical Benefits
Hospital Room & Board (maximum 200 days per year) 120 180 250 350
Intensive Care Unit (maximum 60 days per year) 240 360 500 500
Surgical Expenses
  -    Surgical Fees
  -    Anaesthetic Fees
  -    Operating Theatre
Hospital Expenses & Related Services
  -    Hospital Supplies & Services
  -    In-Hospital Physician Visit (1 visit per day)
  -    Ambulance Fees
As charged*
Pre-Hospitalisation Specialist Consultation
Pre-Hospitalisation Diagnostic Test
As charged*
(60 days before hospitalisation)
Child Participant Daily Guardian Benefit (max 200 days per year) 60 90 125 175
Daily Cash Allowance at Malaysian Government Hospital (max 200 days per year) 50 60 75 90
Out of Hospital benefits
Day Surgery As charged*
Emergency Accidental Out-patient Treatment As charged*
(Within 24 hours & follow up treatment up to a max of 30 days)
Post-Hospitalisation or Day Surgery Follow up As charged*
(Within 60 days after hospital discharge)
Out-patient Cancer Treatment (as charged up to specified limit) 12,500 15,000 17,500 20,000
Out-patient Kidney Dialysis Treatment (as charged up to specified limit) 40,000 50,000 60,000 70,000
Home Nursing Care As charged*
(180 days per lifetime)
Government Service Tax As charged*
Overall Annual Limit 50,000 100,000 150,000 200,000
Lifetime Limit 150,000 300,000 450,000 600,000
* “As charged” coverage is based on Reasonable & Customary Charges, subject to the Overall Annual Limit and Lifetime Limit.
Who is eligible to participate?
If you are between 30 days old to 59 years old, you are eligible to participate in Takaful myMedicare (subject to underwriting assessment). You may renew the Certificate up to a maxim expiry age of 70 years old.

Pelan Gadai Janji(Loan Rumah)


Peace of mind with assurance that the outstanding balance of your housing loan, credit or house or other property/assets financing facility will be settled in full by Takaful Malaysia upon your untimely death or permanent total disability.
Eligible for individual between 18 to 55 years old with a financing/loan facility
Your guarantor will be free of any pability from your credit facility or loan
Based on the Islamic profit sharing contract of al-Mudharabah, you are entitled to share profit or surplus of the operation based on actuarial valuation of Participant’s Special Accounts of Family Takaful Fund
Scope of cover will be death and permanent total disabipty.
The contribution payable will be based on amount of loan, repayment period, age at next birthday, rate of profit of loan and interim period.

Pelan Takaful MyGemilang

A lifetime of financial worry-free
Your lifestyle improves over time – from owning a good car to a better one, from living in a small house to moving to a bigger one and from a simple family to building a complete family. Same goes with your financial protection – it needs to increase accordingly to your lifestyle improvements.
Takaful myGemilang aims to meet your evolving lifestyle needs by attending to your immediate financial concerns! Your protection on Death and Total & Permanent Disability (TPD) will increase at least 10% every five years up to 200% (for a 30-yearterm policy). On top of that, you may start to enjoy your savings when you stop contributing*!
What are the benefits provided?
You have the flexibility to select the amount of guaranteed Sum Covered and term to participate. In the event of Death or Total and Permanent Disability (TPD), the Sum Covered and Savings Fund balance will be paid to the nominee to execute disbursements to the beneficiaries.
To ensure that your protection matches the increasing inflation and your personal living standards, the Sum Covered increases every five (5) years as per the following schedule:
Certificate Year % of Initial Sum Covered
  10 15 20 25 30
1-5 100% 100% 100% 100% 100%
6-10 110% 110% 110% 110% 120%
11-15   120% 120% 120% 140%
16-20     130% 130% 160%
21-25       150% 180%
26-30         200%
Savings Fund balance will be paid to the Participant on a staggered or lump sum basis upon completion of the Contribution Paying Term and/or maturity of the plan (based on the option selected). Alternatively, it will also be paid out on termination during the Certificate Term; less surrender charges, if applicable.
Savings Fund balance is not guaranteed and based on the actual performance of the fund. Under adverse circumstances, the Savings Fund at maturity or surrender may be less than the sum of Contributions. Please refer to the Certificate for the detailed descriptions of benefits covered under this plan.
Riders Attachable
You can participate in one or more of the following riders to enhance the coverage under this plan:
  • Takaful Personal Accident Rider
  • Takaful Hospital Cash Benefits Rider
Who is eligible to participate?
Anyone who is between age 18 to age 65 is eligible to participate in Takaful myGemilang (subject to underwriting assessment). You may choose a term of 10, 15, 20, 25 or 30 years of coverage, subject to a maximum expiry age of 80.

Pelan Takaful MyImpian

Passion is Aspiration
Do you have a financial goal to achieve in the near future? Do you need an avenue to ensure your goal is accomplished? Takaful myImpian is a plan that provides you an avenue to save towards your goal. In addition, it protects you against any possible consequences of mishap in the future.
What are the benefits provided?
In the event of Death, Total and Permanent Disability (TPD) Participant, the following takaful benefit will be payable:
Coverage Takaful Benefit
Death/Total & Permanent Disability (TPD) 2 x Remaining future Contribution from the date of Death/TPD + Funeral Expense (RM2,000) + Accumulated Savings
Savings Fund balance* will be on termination or maturity of the plan.
* Savings Fund balance is not guaranteed and is based on the actual performance of the fund.
Riders Attachable
You can participate in one or more of the following riders to enhance the coverage under this plan:
  • Takaful Personal Accident Rider
  • Takaful Hospital Income Benefits Rider
  • Takaful Level Term Rider
  • Takaful Critical Illness Rider - Additional
Who is eligible to participate?
If you are between 18 to 55 years old, you are eligible to participate in Takaful myImpian (subject to underwriting assessment). You may choose a term of 10, 15, 25 or 30 years of coverage, subject to maximum expiry age of 65 years old.

Pelan Takaful MySinar

Essential is Critical
Protect your essential needs and wealth from death, total & permanent disability and critical illness with Takaful mySinar. A comprehensive plan which provides both elements of protection and savings.
What are the benefits provided?
In the event of Death, Total and Permanent Disability (TPD) or diagnosis of any of the 36 Critical Illness of Participant, the following takaful benefit will be payable:
Monthly Contribution
  60-90 100-190 200-290 300 & Above
Takaful Benefit Monthly Contribution x 250 Monthly Contribution x 300 Monthly Contribution x 350 Monthly Contribution x 400
Funeral Expenses 2,000 2,000 2,000 2,000
Savings Fund balance* will be on termination or maturity of the plan.
* Savings Fund balance is not guaranteed and is based on the actual performance of the fund.
Riders Attachable
You can participate in one or more of the following riders to enhance the coverage under this plan:
  • Takaful Personal Accident Rider
  • Takaful Hospital Income Benefits Rider
  • Takaful Level Term Rider
Who is eligible to participate?
If you are between 18 to 55 years old, you are eligible to participate in Takaful mySinar (subject to underwriting assessment). You may choose a term of 10, 15, 25 or 30 years of coverage, subject to maximum expiry age of 65 years old.

Pelan Takaful MySiswa

Nurture Your Future
Protect your children’s future with Takaful mySiswa, an alternative savings plan with Takaful protection. Takaful mySiswa allows you to decide on your child’s future. Whether it is for tertiary education or otherwise, it all begins with our flexible Takaful plans, at an affordable Contribution with both the savings and protection element.
What are the benefits provided?
Takaful mySiswa is designed to provide staggered annual educational payouts for your child’s tertiary education when your child is between 18-22 years old. However, you have the option to withdraw the savings in lump sum during that period.
In the event of Death or Total and Permanent Disability (TPD) of Participant, the following takaful benefit will be payable:
Coverage Takaful Benefit
Death/Total & Permanent Disability (TPD) 250 x Monthly Contribution + Accumulated Savings
Accidental Death 200 x Monthly Contribution + Accumulated Savings
Accidental Permanent Disability Disability Factor x 250 x Monthly Contribution
In the event of Death or Total and Permanent Disability (TPD) of Payor, the following takaful benefit will be payable:
Coverage Takaful Benefit
Death Funeral Expense + Waiver of Contribution
Total & Permanent Disability (TPD) Waiver of Contribution
Savings Fund balance* will be on termination or maturity of the plan.
* Savings Fund balance is not guaranteed and is based on the actual performance of the fund.
Riders Attachable
You can participate in one or more of the following riders to enhance the coverage under this plan:
  • Takaful Hospital Income Benefits Rider
  • Takaful Level Term Rider
  • Takaful Critical Illness Rider – Accelerated
  • Takaful Critical Illness Rider – Additional
Who is eligible to participate?
If your children are between 30 days old to 18 years old, they are eligible to participate in Takaful mySiswa (subject to underwriting assessment). Your children will enjoy the benefits from this plan up to a maximum expiry age of 22.

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