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