IKHLAS CRITICAL ILLNESS
TAKAFUL RIDER is an Individual Level Takaful cover for protection
purposes. This plan provides protection against any
of the specified critical illnesses within the term
of the plan.
does IKHLAS Critical Illness cover?
IKHLAS CRITICAL ILLNESS TAKAFUL RIDER provides protection
and peace of mind for you and your family if you
are diagnosed with critical illness.
The plan provides the following coverage:-
40 CRITICAL ILLNESSES
The rider provides payment of 100% of the Critical
Illness Sum Covered (CISC) upon participant being
diagnosed as suffering from any critical illnesses
as defined in the plan.
This plan is available in two forms:
This rider provides a lump sum payment of the Critical
Illness Sum Covered (CISC), which is advanced from
the Basic Sum Covered, upon diagnosis. A claim
madeunder this rider will reduce the sum covered
of the Basic Plan.
The rider provides a lump sum payment of the CISC,
upon diagnosis. The payment made under this rider
will not reduce the Basic Sum Covered.
Upon maturity of the certificate, participant will receive the accumulated amount in the Personal Risk Investment Account (PRIA).
IKHLAS Critical IllnessTakaful Rider?
IKHLAS CRITICAL ILLNESS TAKAFUL RIDER is created
to provide protection against financial loss should
you be affected by any of the 40 critical illnesses.
Upon diagnosis, the CISC is payable subject to the
The total and permanent disablement is based on “any occupation” definition.
The disability benefit is payable after satisfying
a qualifying period (waiting period) that such disability
must last for a continuous period of not less than
six (6) months in duration.
Additional mortality and/or occupational loadings
to be added as appropriate to the participant’s
profile and TPD definition. Extra loadings shall
be computed as a multiple factor to the minimum net
rate. No discount whatsoever will be given as these
are the minimum net rates.
Pre-existing conditions are excluded from this benefit.
Note: Disease diagnosed within three (3) months
from issue date of the plan or date of reinstatement,
is not covered by this plan.
You can choose the amount of coverage up to the Basic
Better Investment Return
Age and issue limits
||30 days – 60 years old, age next birthday
||Minimum - RM10,000 SC
Maximum - Base Sum Covered, subject to underwriting approval
||Upon participant attaining 65 years old, age next birthday
||5 – 47 years, subject to the term of the basic plan