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You are here: Home > Family Takaful > IKHLAS   Critical Illness Takaful

Introduction

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.

What 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:

  • Accelerated Plan
    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.

  • Additional 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.

Maturity Benefit
Upon maturity of the certificate, participant will receive the accumulated amount in the Personal Risk Investment Account (PRIA).

 

Why 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 following conditions:

  • 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.

  • Sum Covered
    You can choose the amount of coverage up to the Basic Plan Coverage.

Better Investment Return

  • The Takaful IKHLAS Model allows the Company to optimise investment returns to the participants (please contact us for further info)

Age and issue limits

Issue Ages : 30 days 60 years old, age next birthday
Issue Limits : Minimum - RM10,000 SC
Maximum - Base Sum Covered, subject to underwriting approval
Expiry Age : Upon participant attaining 65 years old, age next birthday
Terms : 5 47 years, subject to the term of the basic plan

 

     
     

Takaful Solution Provider in Malaysia - auto insurance, auto takaful, car insurance, education plan, fire insurance, health insurance, home insurance, home takaful, hospitalization benefit, insurance, medical protection, motor, motor insurance, motor takaful, mrta, mrtt, personal accident, takaful, takaful provider, travel insurance, motor policy

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Takaful Solution Provider in Malaysia - auto insurance, auto takaful, car insurance, education plan, fire insurance, health insurance, home insurance, home takaful, hospitalization benefit, insurance, medical protection, motor, motor insurance, motor takaful, mrta, mrtt, personal accident, takaful, takaful provider, travel insurance, motor policy