Introduction

With the many challenges that women face throughout their lifetime, it is important to be assured that they are dealt with a peace of mind. We, at Takaful IKHLAS , have developed IKHLAS Wanita Takaful to appreciate today’s modern and dynamic woman.

In today’s unpredictable world, planning ahead is crucial for a well-secured future. IKHLAS Wanita Takaful is designed for women between the ages of 16 -50 with 4 different plans to better suit different life requirements:

	Plan Type Lifetime Limit Criteria Plan A RM50,000.00 With Maternity Benefit* Plan B RM100,000.00 With Maternity Benefit* Plan C RM50,000.00 Without Maternity Benefit* Plan D RM100,000.00 Without Maternity Benefit*

What does IKHLAS Wanita Takaful cover?

Coverage against Specific Cancer and Other Female Illnesses
As women suffer more from different complications in contradiction to men, a more comprehensive package is needed to suit their interest and lifestyle. IKHLAS Wanita Takaful covers the participants against Specific Cancer such as the breast, cervix uteri, uterus, ovary, fallopian tube, vagina and vulva. Other female illnesses cover SLE (Systemic Lupus Erythematous) with Lupus Nephritis, Rheumatoid Arthritis (with complications), Facial Reconstructive Surgery (due to accidental causes), Skin Grafting (due to burns & skin cancer), Female Carcinoma-in-situ and Breast Reconstructive Surgery (due to accidental causes).

Death & total Permanent Disability (TPD) Benefit
In the event of death or TPD of the participant within the term of the certificate, the Sum Covered (SC) plus the accumulated amount in the PIA (Personal Investment Account) are payable to the participant’s nominees or next of kin. *If TPD occurs before the participant reaches age of 60, 100% of the balance of the lifetime limit at that time, plus the accumulated amount in the PIA are payable to the participant.
* All other benefits will cease.

Why IKHLAS Wanita Takaful?

Cash Withdrawal
Partial cash withdrawals from the PIA, are allowed after the certificate has been in force for a minimum period of five (5) years. Subsequent withdrawals must have a minimum gap period of two (2) years between withdrawals. Only three (3) withdrawals are allowed during the lifetime of the certificate, of which RM15.00 transaction fee is chargeable from the PIA for each withdrawal transaction.

Top-Up Option
Top-up contribution is allowed from the commencement of the certificate. The amount of top-up is subject to a minimum of RM50.00 per top-up. This top-up amount shall be wholly allocated to the PIA.

Living Benefit
A percentage of the initial lifetime limit will be payable to the participant, in the event of the participant’s marriage, childbirth, retrenchment and death of spouse, subject to a total of two (2) events per certificate lifetime.

Maternity Benefit*
With Maternity Benefit*, a percentage of the lifetime limit (subject to a one (1) year waiting period) will be payable in the event of participant suffers from any pregnancy complications and/or the participant’s child suffers from any of the infant congenital illnesses.
* with plan A and B only.

Age and Issue Limits
Issue Ages : 16 years -50 years, age next birthday, female.
Issue Limits : Plan A & C – RM50,000.00 Lifetime Limit
Plan B & D – RM100,000.00 Lifetime Limit.
Expiry Age : Upon participant attaining 65 years old, next birthday.
Coverage Terms : 15 – 49 years.