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You are here: Home > Group Takaful > IKHLAS   Comprehensive Group Takaful

Introduction

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?

  • 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.
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.

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).

Special Features

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

Issue Ages : 30 days 79 years old, age next birthday.
Participants above the age of 55 years old are required to undergo medical requirements.
Issue Limits : Minimum: unit (RM 6,000 Natural death SC)
(For member or employee age between 56 79 years old, the minimum unit is 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).
Expiry Age : 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
Coverage Term : Minimum: 1 year
Maximum: 62 years
   
     

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