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Takafulink Series
13

5. RIDERS DESCRIPTION

RIDERS BENEFIT DESCRIPTIONS
1. Critical Illness 46 Super Rider
(MT46S)

1. This rider provides additional lump sum coverage in the event that the Person Covered dies
or sustains Total & Permanent Disability or diagnosed to be suffering from dread disease
except Carcinoma in situ without affecting your basic certificates death and total &
permanent disability benefit. It covers 46 types of diseases/treatments. A portion or 100% of
the sum covered of MT46S will be payable on first diagnosed of dread disease.

2. The following diseases/treatments are payable according to the stipulated % as per below;
Balloon Angioplasty 10% payable
Coronary Artery Laser/other Invasive Coronary Procedure 10% payable
The MT46S Sum Covered will be reduced accordingly & payable in the event of future Dread
Disease.

3. Refer to Appendix 6 for descriptions of the 46 Dread Diseases covered under this plan

2. Critical Illness 46 Plus Rider
(MT46P)

1. This rider is accelerated on the BASIC certificate. It covers 46 types of diseases/treatments.
100% of the sum covered of MT46P will be payable on first diagnosis of a dread disease
including all cancer disease except Carcinoma in situ.

2. The following diseases/treatments are payable according to the stipulated % as per below;

The Basic & MT46P Sum Covered will be reduced accordingly & payable in the event of
future Dread Disease.

3. Refer to Appendix 6 for descriptions of the 46 Dread Diseases covered under this plan

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14


3. Khusus Protection
(MTKP)
- Compulsory Rider
For Takafulink Hajj

Funeral Expenses (Khairat Kematian) of RM2,000. This benefits is payable within 24 hours of
presentation of claim supported by certified copy of Police Report and Death Certificate.
Upon full approval of death claim, an additional benefit of RM 5,000 is payable on death, where the
beneficiary has an option to use the benefit for the purpose of:
a. Repatriation Benefit Transportation of the body or mortal remains of the person covered back to
Malaysia.
b. Ziarah Cost incurred in funeral/flight/hotel etc. for person covereds family to arrange for funeral
expenses outside Malaysia.
c. Other purposes.
4. Ziarah Protection
(MTZP)
a. 100% of your choice of Rider Sum Covered is payable in the event of Accidental Death or Total
and Permanent Disability. (Max RM 100,000)
b. 200% of the Rider Sum covered is payable if Accidental Death or Total and Permanent Disability
occurs in Saudi Arabia (Max RM200,000)
c. In order to enjoy this benefit, you need to attach together with the MTKP rider in the same basic
plan.
5. Payor Benefit
(xxMTPB,xx=08-25)

A Payor Benefit Rider allow waiver of contribution in the event the contributor dies, becomes totally
and permanently disabled or is diagnosed from any 46 dread diseases. Therefore, you can rest
assured that if anything happens to the contributor, the person covered would continue to receive all
benefits of the certificate and the intended amount will still be available for the named beneficiary(s).

MTPB maximum term calculation:
Entry Age Example
If Person Covered aged 0-15 (Juvenile) Entry Age : 15 Years Old
Payor Age : 52 Years Old
i) 25 (person covered age)
OR
ii) 65 (payor age)
Whichever is lower;
So; i) 25 (15) = 10
OR
ii) 65 (52) = 13
Thus, maximum term of MTPB = 10
If Person Covered aged 16 and above (Adult) Entry Age : 20 Years Old
Payor Age : 50 Years Old
i) 65 (person covered age)
OR
ii) 65 (payor age)
Whichever is lower;
So; i) 65 (20) = 45
OR
ii) 65 (50) =15
Thus, maximum term of MTPB = 15
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RIDERS BENEFITS DESCRIPTIONS COVERAGE
WAITING
PERIOD
6. Wanita
Illness
(MTWI)

- Compulsory
Rider For
Takafulink
Wanita

*Each admitted
claim under this
rider is payable
once only except
for benefit on
reimbursement
basis

1. Female Yearly Medical
Check-Up.
Annual Female Medical Check-up including:
i. Blood Test
ii. Pap Smear
iii. Mammogram
iv. Abdomen/Pelvis Ultrasound
Reimbursement Or
Maximum of
RM 100

120 days
2. Female Cancers(Breast,
Cervix Uteri, Fallopian
Tube, Ovary, Uterus,
Vagina/Vulva)
An uncontrollable growth and spread of malignant cells,
which has result in the invasion and destruction of normal
tissue.
100% RSC,
Max. RM500,000
120 days
3. Female Carcinoma-in situ
(Breast and Cervix Uteri)
Early stage cancer that is confined to its original location.
Premalignant neoplasma that has not invaded the
basement membrane but shows characteristics of cancer.
30% RSC,
Max. RM50,000
120 days
4. Systemic Lupus
Erythematosus (SLE) With
Lupus Nephritis
A disease in which the body produces antibodies that
destroys its collagen system. Coverage is restricted to
those forms that involve the kidneys.
100% RSC,
Max. RM500,000
30 days
5. High Grade Squamous
Intraepithelial Lesion
(HSIL) With Severe
Dysplasia
Premalignant of the cervix. Coverage of CIN 111 30% RSC,
Max. RM50,000
120 days
6. Fibroid
(Reimbursement Basis)
A benign abnormal growth of the muscle wall of the
uterus.
30% RSC,
Max. RM50,000
120 days
7. Ovarian Cyst
Sacs filled with fluid or semi-solid material that forms in
the ovaries or on their surface.
30% RSC,
Max. RM50,000
120 days
8. Facial Reconstructive
Surgery (above the neck)
Due To Accident
Treatment of facial disfigurement being a direct result of
an accident requiring inpatient treatment and
subsequently the performance of such surgery. The
surgery must get opinion of the companys medical
adviser if such treatment is necessary.
30% RSC,
Max. RM50,000
30 days


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16

WAITING
PERIOD
Wanita Illness
(MTWI)
- Compulsory
Rider For
Takafulink
Wanita

*Each admitted
claim under this
rider is payable
once only except
for benefit on
reimbursement
basis

9. Breast Reconstructive
Surgery Due To Accident
and Cancer
Plastic or reconstruction of the breast performance by
registered surgeon after an accident or mastectomy
following diagnosis of invasive breast cancer.

Cosmetic breast surgery is EXCLUDED.
30% RSC,
Max RM50,000
30 days

10. Skin Grafting Due To Burns
and Skin Cancer
SKIN CANCER: A malignant tumour characterized by the
uncontrolled growth and spread if malignant cells and the
invasion if tissue. This excludes non-invasion cancers in
situ and tumours in the presence of any human
Immunodeficiency Virus.

Metastatic skin cancer is EXCLUDED

SKIN GRAFTING DUE TO BURN: Accidental burning (3 rd
degree) affecting at least 10% of the body surface area.
Correction of facial disfigurement is EXCLUDED.

30% RSC,
Max RM50,000
30 days
(burns)
120 days
(cancer)
11. Fractures Due To
Osteoporosis
Disorder in which the bones become increasingly porous,
brittle and subject to fracture
30% RSC,
Max RM20,000
30 days
12. Rheumatoid Arthritis with
Complication
Chronic auto immune disease characterized by
inflammation and progressive deformity of the joints.

30% RSC,
Max RM20,000
30 days


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RIDERS
BENEFITS DESCRIPTIONS COVERAGE
WAITING
PERIOD
7. Wanita
Maternity
Protection
(MTMP)

*In order to enjoy
this benefit, you
need to attach
together with the
MTWI rider in the
same basic plan

*Each admitted
claim under this
rider is payable
once only.

1. Newborn Allowance Maximum 3 childbirths and is only for children that survive
at least 30 days
1% of RSC
Max. RM500
Effective the
2
nd
Certificate
Year onwards
2. Hospitalisation Benefit
Due To Complication
Arising From Pregnancy
A daily cash allowance for each full day of Hospital
Confinement should the person covered be diagnosed of
the following illnesses :-
(a) Disseminated Intravascular Coagulation
(b) Ectopic Pregnancy
(c) Hydatidiform Mole (Molar Pregnancy)
(d) Still Birth
(e) Neonatal Death ; or
(f) Eclampsia

(Refer the following page 17 for illnesses description)

RM200 Per Day
(Max. 7 Days)

120 days
3. Death Due To
Childbirth
The death of the person covered as a direct result of
complications of giving birth.
The following are EXCLUDED :
(a) Any death due to child birth took place within 120 days
of the issue Date or reinstatement date of the rider
whichever is later;
(b) Death due to suicide;
(c) Death occurring during the first one hundred and sixty-
eight (168) days of pregnancy;
(d) Death occurring more than thirty (30) days after the
delivery.
200% RSC,
Max. RM600,000
120 days

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RIDERS
WAITING
PERIOD
Wanita Maternity
Protection
(MTMP)

*Each admitted
claim under this
rider is payable
once only.

5. Infant Congenital
Illnesses
i. Downs Syndrome

ii. Spina Bifida

iii. Tetralogy Of Fallot

Known as chromosome abnormality in the baby. There is
an extra chromosome, 47 instead of the normal 46.
(Any child(ren) born within 30 days of the Issue
Date/reinstatement date, whichever is later is not covered
under this benefit. Only for children survive at least 30
days)

Commonly known as an exposure in the spinal cord of the
baby. (Any child(ren) born within 120 days of the issued
date or reinstatement date, whichever is later is not
covered under this benefits. Only for children survive at
least 30 days)

An anatomic abnormality with a combination of:-
(a) Severe or total right ventricular outflow tract
obstruction;
(b) A ventricular septal defect;
(c) Dextroposition of the aorta with septal override:
(d) Right ventricular hypertrophy

(Any child(ren) born within 120 days of the issued date or
reinstatement date, whichever is later is not covered under
this benefits. Only for children survive at least 30 days)

30% RSC,
(Max. 50,000)

30% RSC,
(Max. 50,000)

30% RSC,
(Max. 50,000)

30 days

120 days

120 days

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WAITING
PERIOD
Wanita Maternity
Protection
(MTMP)

*In order to enjoy
this benefit, you
need to attach
together with the
MTWI rider in the
same basic plan

*Each admitted
claim under this
rider is payable
once only.

5. Infant Congenital
illnesses

iv. Transposition Of
Great Vessels

The condition in which the aorta rises from the right
ventricle and the pulmonary artery rises from the left
ventricle.

This benefit is only for children that survive at least 30 days
(Any child(ren) born within 120 days of the issued date or
reinstatement date, whichever is later is not covered under
this benefits.)

30 % RSC
(Max. RM50,000)

120 days
v. Atrial Septal Defect

An abnormal opening in the atria septum that allows free
communication of blood between the right and left atria.

This benefits is only for children that survive at least 30
days (Any child(ren) born within 120 days of the issued
covered under this benefits.)

30 % RSC
(Max. RM50,000)
120 days
vi. Ventricular Septal
Defect
An abnormal opening in the ventricular septum permitting
the free circulation of blood from the left side of the heart
to the right side.

This benefits is only for children that survive at least 30
days (Any child(ren) born within 120 days of the issued
covered under this benefits.

30 % RSC
(Max. RM50,000)
120 days

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RIDERS
WAITING
PERIOD
8. Golden
Wanita
Protection
(MTGW)

*In order to enjoy
this benefit, you
need to attach
together with the
MTWI rider in the
same basic plan

Loss Of Independence
Existence :

Activities of Daily Living
a. Transfer

b. Mobility

c. Continence

d. Dressing

e. Bathing/ Washing

f. Eating

A permanent inability (lasting for a minimum of six
(6 ) months) to perform at least three (3) of the
Activities of Daily Living.

Getting in and out of a chair without requiring any physical
assistance.
The ability to move from room to room without requiring
any physical assistance.

The ability to control bowel and bladder functions

Putting on and taking off all necessary items of
clothing without requiring assistance of another person

The ability to wash in the bath or shower

All tasks of getting food into the body once it has been
prepared

100% of RSC

Nil

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9. Waiver on
Contribution Dread
Disease
(MTWD46)

a. This rider provides for the waiver of contribution of the basic certificate when the person covered is diagnosed
to be suffering from any of the 46 dread diseases covered by the MT46P / MT46S.
b. The rider may be added to Takafulink plan regardless whether MT46P / MT46S is attached or not and NOT
exceeding RM500,000 sum covered. The balance of basic sum covered, if any, can be continued by paying the
contribution.
c. For the following diseases/treatments, the basic contribution will be waived according to the stipulated %
per below;

HIV by Blood Transfusion 50% payable
Occupationally Acquired HIV Infection 50% payable
Full Blown AIDS 50% payable

* Subject to a maximum of RM25,000 claims payable

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RIDERS RIDERS DECSRIPTION
10. Hospitalisation
Benefit
(MTHBR)

1. The rider provides the daily hospital benefit based on period of confinement to a licensed hospital due to
illness or injury occurring more than 30 days after the issue date or date of reinstatement. The maximum
amount payable for in-patient will not exceed 120 days per annum, subject to an overall Lifetime Limit of
500 times the Daily Benefit.

Plan Benefits
Upon acceptance Proof of Hospitalisation, the Takaful Operator will pay:
Hospitalisation in Government Hospitals
and government licensed private hospitals
in Singapore, Malaysia and Brunei.
Purchased Daily Benefit for period of
Hospitalisation.

Hospitalisation in Hospitals other than
those stated above.
50% of the Purchased Daily Benefit for period of
Hospitalisation.

11. Hospital & Surgical
Benefit
(MTHSR)

1. The rider provides coverage based on period of confinement to a licensed hospital due to illness or injury
occurring more than 30 days after the issue date or date of reinstatement. The maximum amount payable
for in-patient will not exceed 120 days per annum, subject to an overall Lifetime Limit of 500 times the Daily
Benefit.

Plan Benefits
Upon acceptance Proof of Hospitalisation, the Takaful Operator will pay:
a. Surgeon Fee Reimbursement of the reasonable and customary charges for a
Medically Necessary surgical procedure by a
Surgeon/Specialist.
b. Anaesthetist Fee Reimbursement of the charges by the Anaesthetist for the
Medically Necessary administration of anaesthesia.
c. Operating Theatre Fee Reimbursement of the charges for the operating theatre cost
for surgical operations performed.
Note: If more than one (1) surgery is performed for any one (1) Disability, the total payments for all the surgeries
performed shall not exceed 500 times of the Daily Benefit.

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12. Improved Accident
Indemnity (MTIAI)

This rider provides a comprehensive coverage for death or injuries resulting within 365 days from an accident.

Plan Benefits

1.Death & Dismemberment
When as a result of an accident the person covered suffers from any losses within 90 days, benefits shall be paid
accordingly.

Refer to Appendix 9 for a Table of Dismemberment covered under this plan

2.Temporary Disability Indemnity
(provided no loss under 1)

a. Total Temporary Disability 0.75% x Sum Covered x Day of MC / 7 Days
b. Partial Disability 0.375% x Sum Covered x Day of MC / 7 Days

Disability of less than one week is NOT indemnification. (Maximum 52 weeks)

3.Permanent Disability Indemnity (TPD Indemnity)

Total, Permanent and Continuous Disability 10% per annum on
certificate anniversaries
following date of accident

4.Medical Expenses
Payable only if such medical or surgical treatment is furnished by a qualified Medical Practitioner within 104 weeks
after the date of accident.

Medical Expenses Limit RM50/RM1000 x sum covered
per accident up to a
maximum of RM6,000 per accident

Proof of claims must be submitted together with original medical bills.
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5. RIDER DESCRIPTION

Improved Accident
Indemnity (MTIAI)

This rider provides a comprehensive coverage for death or injuries resulting within 365 days from an accident.

Plan Benefits

5.Double Indemnity
Benefits 1 & 3 will be doubled if loss is sustained when;

a. The person covered is a passenger within any mechanically propelled non-aerial public conveyance over an
established land route.
b. The person covered is in an elevator car. (Elevators in mines and construction site excluded)
c. Result of the burning of theatre, hotel or other public building in which the person covered shall be at the
commencement of the fire.

Note:
1. For any one accident, only 1 claim from benefits 1, 3 or 5 is payable PLUS benefits 2 & 4. However the
claims payable under benefits 2 & 4 must not exceed the Basic Sum Covered.
2. The claims under Benefit 1 are not payable if the Disability under Benefit 2 is less than 7 DAYS.
13. Juvenile Critical
Illness
Protection
(MTJCI)
Accelerated from the BASIC certificate. It covers 8 types of juvenile diseases/ treatments. 100% of the sum person
covered of MTJCI will be payable on first diagnosis of dread disease (EXCEPT FOR A JUVENILE LIEN).

1. An optional rider.
2. Juvenile Critical Illness Coverage: (refer to the Appendix 8 for a full description)
a. Severe Asthma
b. Leukaemia
c. Bone Marrow Transplant
d. Insulin-dependent Diabetes
e. Rheumatic Fever with Valvular Impairment
f. Kawasaki Disease with Heart Complication
g. Intellectual Impairment due to accident or sickness
h. Glomerulonephritis with Nephrotic Syndrome
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14. SmartMedic 100
(SMR10x)

This rider provides a comprehensive medical coverage with a guaranteed hospital admission and takes care of
your medical bills upon discharge at our panel hospitals.

Plan Benefits
Plan 1
(RM)
Plan 2
(RM)
Plan 3
(RM)
Plan 4
(RM)
ANNUAL LIMIT 50,000 100,000 150,000 200,000
LIFETIME LIMIT 150,000 300,000 450,000 600,000
Hospital Benefits
Hospital Room & Board (max 200 days
per annum)
150 200 300 450
Intensive Care unit (max 60 days per annum)
As Charged
Hospital Supplies & Services
Surgical Fees
Anaesthetists Fees
Operating Theatre
Pre-Hospital Diagnostic Test
(within 60 days prior to admission)
Pre- Hospital Specialist Consultation
(within 60 days prior to admission)
In-Hospital physician Visit
(max. 200 days per annum)
Post Hospitalisation Treatment
(within 31 days from discharge)

Takafulink Series

26


SmartMedic 100
(SMR10x)

This rider provides a comprehensive medical coverage with a guaranteed hospital admission and takes care of
your medical bills upon discharge at our panel hospitals.

Plan Benefits
Out Patient Benefits
Emergency Accidental Outpatient Treatment
(within 24 hours and follow up treatment to a
max. of 31 days)
As Charged
Out-Patient Physiotherapy Treatment
(within 90 days from discharge/ surgery)
Ambulance Fees 300 400 500 750
Out- Patient Kidney Dialysis Treatment
(per annum)
12,000 18,000 25,000 35,000
Out-patient Cancer Treatment (per annum) 12,000 18,000 25,000 35,000
Other Benefits
Daily Cash Allowance at Government Hospital
(max. 200 days per annum)
50 60 75 85
Home Nursing Care (max. per disability) 500 750 1,000 1,500
Person Covered Childs Daily Guardian Benefit
(max. per disability)
200 250 300 400
Medical report Fees 80 80 100 100
Government Service Tax As Charged

Takafulink Series

27


15. Waiver of
Takaful Saver
Contribution on
Dread Disease 46
(MTWS46)

This rider provides for the waiver of saver contribution when the Person Covered is diagnosed to be suffering from
any one of the 46 dread diseases.

a. This rider provides for the waiver of Takaful Saver contribution of the certificate when the person covered is
diagnosed to be suffering from any of the 46 dread diseases.
b. In order to enjoy this benefit, you need to attach together with the MTWD46 rider in the same basic plan.

16. Payor Benefit for
Takaful Saver
(xxMS46)
xx = 08-25

This rider waives all future saver contributions in the event the Participant dies or becomes totally & permanently
disabled (TPD) or is diagnosed with any one of the 46 dread diseases covered under this rider prior to the
expiration of coverage of xx years or age 65 for TPD.
17. Spouse Payor
Benefit (xxMJPB)
xx = 08-25

This rider waives all future contributions in the event of the Participants Spouse dies or becomes totally &
permanently disabled (TPD) or is diagnosed with any one of the 46 dread diseases covered under this rider prior to
the expiration of coverage of xx years or age 65 for TPD.
18. Spouse Payor on
Takaful Saver
Benefit (xxMJ46)
xx = 08-25

Waives all future saver contributions in the event of the Participants Spouse dies or becomes totally & permanently
disabled (TPD) or is diagnosed with any one of the 46 dread diseases covered under this rider prior to the
expiration of coverage of xx years or age 65 for TPD.

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