This plan is designed to minimize selection
of risk and provide a common base of Takaful for the
covered group of employees (participants) with saving
elements for retirement purposes. This plan is per unit
basis and costs only RM10 per unit.
What does IKHLAS Comprehensive
Group Takaful cover?
Basic Comprehensive Group Takaful Scheme designed to
minimise selection of risk and provide a common base
of takaful for the covered group of employees (participants)
with saving elements for retirement purposes. This plan
is per unit basis and costs only RM10 per unit.
Death Benefit – in the event of
death of the participant within the term of the
certificate, the Sum Covered (SC) plus the balance
in the participant’s Personal Risk Investment
Account (PRIA) will be payable to participant’s
beneficiary or next of kin upon natural death.
2 times SC will be payable to participant’s
beneficiary or next of kin upon accidental death.
TPD Benefit – in
the event of TPD (all causes) of the participant
within the term
of the certificate, the SC is payable in 10 equal
annual installments, starting from the confirmation
date of TPD.
Contribution are payable until maturity of the policy.
The maturity benefit is the accumulated contribution
(net of any charges) in the Personal Investment Account
(PIA) and Personal Risk Investment Account (PRIA).
Top Up Contribution
Participant is allowed to top-up their contribution
when the policy has been in force for one (1) year.
The amount of top-up shall be subject to a minimum of
one (1) time the monthly contribution. This top-up amount
shall be solely allocated to PIA.
Other Supplementary Benefits
IKHLAS Group Hospital Benefit Takaful Rider
IKHLAS Group Critical Illness Takaful Rider
IKHLAS Group Accidental Death & disability Takaful Rider
IKHLAS Group Permanent Partial Disablement Takaful Rider
IKHLAS Group Immediate Death Takaful Rider
** By add the supplementary benefit will not increase the sum cover but it will reduce the amount in PIA
Age and issue limits
||30 days – 79 years old, age next birthday.
|Participants above the age of 55 years old are required to undergo medical requirements.
||Minimum: ½ unit (RM 6,000 Natural death SC)
(For member or employee age between 56 – 79 years old, the minimum unit is ½ unit, i.e. SC for Natural Death of RM1,250).
Maximum: 25 units (RM 250,000 Natural death SC)
(For member or employee age between 56 – 79 years old a maximum of 5 units is allowable, i.e. SC for Natural Death of RM 12,500).
||For participant entering at age 17 years old and below, expiry age is 18 years next birthday (or maximum up to 23, subject to child remaining in education on a full time basis).
For participant entering at age 18 and above, certificate will expire upon participant attaining age 80 years old, next birthday
||Minimum: 1 year
Maximum: 62 years