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34

9. APPENDICES


The Difference Between a successful people
and others is not a lack of strength,
not a lack of Knowledge, But rather in a lack of will

-Vince Lombardi-



"And help one another in righteousness and piety and do not help one another in evil deeds
and enmity"
(Al Maidah: 2)




Do not enter through one gate but enter through different gates..

(Yusuf: 67)





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Appendix 1

A BRIEF COMPARISON BETWEEN TAKAFUL AND CONVENTIONAL INSURANCE


Issues Takaful Conventional
1. Accounts For Family Takaful, there are two
accounts namely, PIA, which is
treated in line with the principles of
al-Mudharabah, while the other
account is PRIA, which is treated
on the Basis of al-Tabarru.

In life policy, the collected premiums
are credited into the account known
as life account or fund.
2. Benefits Paid from the defined funds under
joint indemnity borne by
participants.

Paid from the funds legally owned by
the company.
3. Bonus/Surplus The Takaful investments are to be
shared between the Takaful
Operator and the participants if
any. This shall be in accordance
with the principle of al-
Mudharabah, as agreed between
the Takaful Operator and the
participants.

May offer bonus or profits in general
terms only. It may also decide to give
or not to give bonus for any
particular year depending on the
results of the investment returns.
4. Company Company is better known as an
operator, which acts as a trustee,
manager and also entrepreneur.

Relationship between the company
and the policyholders is on one to
one basis.
5. Contract It is a combination of tabarru
contract (donation) and agency or
profit sharing contract.

Participants own the Takaful funds
and managed by the operator.
Participants give up individual rights
to gain collective rights over
contribution and benefits.

It is an exchange contract (sale &
purchase) between insurer and
insured.

6. Contribution The paid-Contribution is treated as
both Donation (al-Tabarru) and
Saving (al-Mudharabah)

The paid-premiums create an
Obligation Against the Insurer on a
Sale & Purchase Relation.

7. Essence of
Intention
Intention to create both spiritual &
legal relations.
Intention to create a legal relation
only.
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A BRIEF COMPARISON BETWEEN TAKAFUL AND CONVENTIONAL INSURANCE


Issues Takaful Conventional
8. Investment The funds shall be invested in any
interest free Shariah justified
scheme. The entire procedure shall
comply the guidelines of the
Shariah. Investment returns must
not be driven by any unethical
commercial activities.

Assets of the takaful funds are only
invested in shariah-compliant
instruments.

The funds may also be invested in an
instrument that does not comply with
the conventional requirements.

There is no restriction apart from
those imposed for prudential
reasons.
9. Legal Capacity The Minimum Age for a Person to
Hold a Takaful Certificate is 18
Years (Sec. 64 Takaful Act 1984)

The Minimum Age for a Person to
Buy a policy is 16 years. But a child
between the age of 10 and 15 may
also have the right to have it subject
to the written consent obtained from
the respective guardian. (Sec. 153
(1)(2) Insurance Act 1996)

10. Liability of
The Insurer/
Operator
Takaful Operator acts as the
administrator of the scheme and
pays the takaful benefits from the
Takaful funds.

In the event deficiency in the
Takaful funds, Takaful operator will
provide interest free loan to rectify
the deficiency.

Insurer is liable to pay the Insurance
benefits as promised from its assets
(conventional funds and
shareholders funds)

11. Profits The proportion of the share of the
profits is determined in the contract
for as long as the certificate is still
in force, but the amount itself will
depend on the investment
performance or returns each year.

In a life policy, it does not mean that
the certificate can freely choose to
give the certificate holders a share of
profit at whatever amount they wish
and whenever they like.

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Appendix 2
NEW SUBMISSION CHECKLIST

Submission for Product Code: MTL

No Form Description Remarks
Main Form
1. Application Form For Family Takaful Plan For all payment mode
2. Nomination Form (Hibah) OR
3. Nomination Form (Wasi)
4. Anti-Money Laundering Act 2001 (if any)
5. Additional Contribution (Top-Up) Application
Form (if any)


Submission for Product Code: MTLP (Public Sector)

No Form Description Remarks
Main Form
1. Application Form For Family Takaful Plan For Monthly Payment Mode Only
2. BPA/Biro Angkasa Form
3. IC Photocopy of the Contributor/Payor
4. Latest Salary Slip
5. Nomination Form (Hibah) OR
6. Nomination Form (Wasi)
7. Anti-Money Laundering Act 2001
8. Additional Contribution (Top-Up) Application
Form (if any)


Note: Anti-Money Laundering Act 2001;


Individual Application Business Application

If annual contribution is less than RM5,000, AML
is optional but required during claim or benefit
payment
If annual contribution is RM5,001 to RM50,000,
AML is compulsory
If annual contribution is RM50, 001 and above,
AML and photocopy of I/C or Passport is
compulsory.


Attach Annual Report / Certificate
of Business Registration if the
annual contribution is more than
RM100, 000.








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Appendix 3

UNDERWRITING GUIDELINES FOR FOREIGNERS

Details Remarks
Forms to be completed 1. Proposal/Application Form must be signed in
Malaysia.
2. Residential Status Questionnaire.
Documentary Proof They could provide documentary proof of identity:
1. Passport and valid working permit if they are
employed in Malaysia.
2. Copies of employment pass or approved document
for Malaysia My Second Home (whichever is
applicable).
Plans 1. Expatriates and 2
nd
Home can participate in any
Family Takaful plan (excluding CancerCare) but with
exclusion on area of cover*.
2. Manual workers can participate in any Family
Takaful plan but for medical plan; SM100 (Basic) &
SMR100 (Rider) are limited to Plan 1 only with
exclusion on area of cover*.
Rider Only SMR100 and ITPD riders are allowed
Maximum Sum Covered Allowed RM1,000,000
Medical Requirements Normal medical requirements

Note:
1. Foreigners holding Permanent Resident (PR) are treated as Malaysians.
2. Notwithstanding the above, the Company reserves the right to limit the Sum Covered on a
case to case basis.
3. Exclusion on area of cover* shall mean the Person Covered is agree that the SmartMedic
100 Certificate will be endorsed with the following conditions:
a. In the event the Person Covered is a non-Malaysian, coverage in respect of the Person
Covered will be limited to Hospitals within Malaysia only.
b. In the event of any Medically Supervised Repatriation, Repatriation of Mortal Remains
and Return of Children Travelling with the Member, such repatriation or return of
children will be back to Malaysia only and NOT back to the Person Covereds country of
origin.

Underwriting Requirement of Large Amount Questionnaire (LAQ)

Large Amount Questionnaire (LAQ) shall be deemed apply for total Sum Covered exceeding
RM1,000,000 (One Million) (includes all existing in-force certificates exception to Health and
Group plans).








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Appendix 4
METHOD OF AVAILABLE PAYMENT

Channels Providers / Location Method
Over-the-
Counter
1. MAA Takaful Berhad
Branches or Head Office counter

2. Bank Simpanan Nasional (BSN)
Account No : 1410041000068986
(Kindly fill up the certificate number on the bank-in
slip applicable for cash only)

3. RHB Bank
Account No : 26406700007640
(Kindly fill up the certificate number on the bank-in
slip applicable for cash only)

4. Maybank
Account No : 564016119109
(Kindly fill up the certificate number on the bank-in
slip applicable for cash only)
Cash/Cheque
- Credit Card
- (VISA/MasterCard/Diners
Club)
- Counter Merchant
Service (CMS)
- Mail Instruction Service
(MIS)
MAA TAKAFUL
ATM
Contribution payment for Family Takaful Renewal
Cheque /
Credit Card
(VISA/MasterCard)
Contribution payment for Motor Renewal
Credit card
(VISA/MasterCard)
Internet/
On-Line

www.maybank2u.com.my
www.rhbbank.com.my
www.affinbank.com.my
www.hsbc.com.my
www.PbeBank.com
www.irakyat.com.my
www.bankislam.com.my
www.eonbank.com.my
www.standardchartered.com.my
www.ambank.amonline.com.my
www.hlb.com.my
www.mybsn.com.my
www.kfh.com.my
www.cimbclicks.com.my

Hong Leong Bank Berhad
Public Bank Berhad
Bank Islam Berhad
RHB Bank Berhad
Malayan Banking Berhad



















Account
holders of
these banks
can
pay via
cimbclicks
- click Online
Bazaar
- select
Insurance
Savings / Current Account
Takafulink Series
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Channels Providers / Location Method

Internet/
On-Line

www.citibank.com.my
www.mbfcards.com.my
www.payonline.uob.com.my
Credit Card
(VISA/MasterCard)
Auto Debit
1. Bank Simpanan Nasional
2. Maybank/Maybank Islamic
3. RHB Bank/RHB Islamic
4. CIMB/CIMB Islamic Bank
5. Bank Islam Malaysia Berhad
6. Public Bank Berhad
Savings/Current Account
Postal Mail
Finance Department,
MAA Takaful Berhad,
8
th
Floor, 566 Jalan Ipoh,
51200 Kuala Lumpur,
Malaysia.
Cheque
(Kindly write down
certificate number on the
back of the cheque)
MAAT Easy
Contribution
Payment
Contribution payment through a special instruction
Credit Card
(VISA/MasterCard/Diners
Club)
Bankers Order
All bankers arrange via standing instruction by
accountholder based on payment mode
Savings/Current Account
Biro
Perkhidmatan
ANGKASA
(BPA)
ANGKASA Collection medium between all
departments in public sector and Accountant General
or State Accountant to enable takaful contribution
payment to be made via salary deduction

Salary


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Appendix 5

HIBAH & WASI (Definition)

Definition
Hibah Wasi
Giving ones wealth to others without the
expectation of any replacement or exchange
with the transferring effect on the ownership
during lifetime or executed upon death. It is
applicable either to family members (legal
heirs) or members who are not entitled to
inheritance.
Hibah also applicable for both Muslim and
Non-Muslim.
The person(s) named can only act as an
administrator/executor (wasi) who will be
responsible for distributing the person
covereds monies to the rightful heirs in
accordance to the Faraid Law (Distribution
Law for Muslim) or Distribution Act 1958;
as amended by the Distribution
(Amendment) Act 1997 for Non-Muslim.


HIBAH & WASI (Description)


Types Definition Nominator Nominee Nominees
Responsibility
Revocability Form
Hibah Gift of
certificate
moneys to loved
ones made
during the
Participants/
Certificate
Owners lifetime
Both
Muslim and
Non Muslim
Anybody As Beneficiary

To receive the
Death benefits
beneficially
NO

EXCEPT if the
nominees are
the children
or
grandchildren

1. Hibah
Form
2. Photocopy
of Nominee's
IC (Must be
signed by the
certificate
holder)
Wasi A nomination
made by
Participant to
his/her nominee
with the
intention to
appoint him/her
as the Executor
Both
Muslim and
Non Muslim
Anybody As an Executor

To distribute
the Death
benefits
according to
either Faraid or
Distribution Act
YES 1. Wasi Form













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FATWA ON THE PERMISSIBILITY OF HIBAH


1. Takaful benefits can be used for hibah, since it is the right of the participants. Therefore, the
participants should be allowed to exercise their rights, according to their choice. as long as it
does not contradict the Shariah;
2. The status of hibah in takaful plan does not change into a will (wasiah), since this type of hibah
is a conditional hibah, in which the hibah is an offer to the recipient of hibah for only a
specified period. In the context of takaful, the takaful benefit is both associated with the death
of the participant, as well as maturity of the certificate. If the participant remains alive on
maturity, the takaful benefits are owned by the participant, but if he dies within such period,
then the hibah shall be executed;
3. A participant has the right to revoke the hibah before the maturity date, because conditional
hibah is only deemed to be completed after delivery is made (qabdh);
4. A participant has the right to revoke the hibah to one party and transfer it to other parties or
terminate the takaful participation, if the recipient of the hibah dies before maturity; and
5. The takaful nomination form has to be standardized and must stipulate clearly the status of the
nominee, either as a beneficiary or an executor (wasi) or a trustee. Any matter concerning
distribution of takaful benefits must be based on the contract. Participants should be clearly
explained on the implication of every contract being executed.

Issuer: Shariah Advisory Council, Central Bank of Malaysia (Bank Negara Malaysia)

























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Appendix 6

CRITICAL ILLNESS DESCRIPTION

1. STROKE

Defined as a cerebrovascular accident or incident producing neurological sequelae of a permanent nature, having lasted not less than
six months. Infarction of brain tissue, hemorrhage and embolisation from an extra-cranial source are included. The diagnosis must be
based on changes seen in a CT scan or MRI & certified by a neurologist.
Specifically excluded are cerebral symptoms due to transient ischaemic attacks, any reversible ischaemic neurological deficit,
vertebrobasilar ischaemia, cerebral symptoms due to migraine, cerebral injury resulting from trauma or hypoxia & vascular disease
affecting the eye or optic nerve or vestibular functions.

2. HEART ATTACK (MYOCARDIAL INFARCTION)

The death of a portion of the heart muscle (myocardium) as a result of inadequate blood supply and being evidenced by:
(a) A history of typical prolonged chest pain,
(b) New electrocardiographic changes resulting from this occurrence,
(c) Elevation of the cardiac enzyme (CPK-MB) above the generally accepted laboratory levels of normal.
Diagnosis based on the elevation of Troponin T test alone shall not be considered diagnostic of a heart attack.
Angina is specifically excluded.

3. KIDNEY FAILURE

End stage kidney failure presenting as chronic irreversible failure of both kidneys to function, as a result of which regular renal dialysis
initiated or renal transplantation is carried out.

4. CANCER

Cancer is defined as the uncontrollable growth & spread of malignant cells and the invasion & destruction of normal tissue for which
major interventionist treatment or surgery (excluding endoscopic procedures alone) is considered necessary. The cancer must be
confirmed by histological evidence of malignancy.
The following conditions are excluded: -
Carcinoma in situ including of the cervix,
(a) Ductal Carcinoma in situ of the breast,
(b) Papillary Carcinoma of the bladder & Stage 1 Prostate Cancer.
(c) All skin cancers except malignant melanoma;
(d) Stage I Hodgkin's disease,
(e) Tumors manifesting as complications of AIDS.


5. CORONARY ARTERY BYPASS SURGERY

Refers to the actual undergoing of Coronary artery by-pass surgery by way of thoracotomy to correct or treat coronary artery disease
but not including angioplasty, other intra-arterial, keyhole or laser procedures.


6. BALLOON ANGIOPLASTY

Means the actual undergoing for the first time of Coronary Artery Balloon Angioplasty or the insertion of a stent to correct a narrowing
or blockage of one or more coronary arteries. Intra-arterial investigative procedures are not included. Medical evidence shall include all
of the following:
(a) Evidence of significant and relevant ECG changes (ST segment depression of 2 millimetres or more) and
(b) Angiographic evidence to confirm the location of stenosis.
Payment under this clause is limited to 10% of the Critical Illness coverage under this Certificate subject to a maximum of RM25, 000.
This benefit is payable once only & shall be deducted from the amount of this Contract, thereby reducing the amount of the Lump Sum
Payment which may be payable herein. This benefit shall cease upon payment of one Limited Payment.

7. CORONARY ARTERY LASER THERAPY OR ANY OTHER INVASIVE CORONARY PROCEDURE
Means the actual undergoing for the first time of Laser treatment or artherectomy to correct a narrowing or blockage of one or more
coronary arteries. Intra-arterial investigative procedures are not included.
Medical evidence shall include all of the following:
(a) Evidence of significant and relevant ECG changes (ST segment depression of 2 millimeters or more) and
(b) Angiographic evidence to confirm the location of stenosis.

The payment under this clause is limited to 10% of the Critical Illness coverage under this Certificate subject to a maximum of
RM25,000. This benefit is payable once only & shall be deducted from the amount of this Contract, thereby reducing the amount of the
Lump Sum Payment which may be payable herein. This benefit shall cease upon payment of one Limited Payment.Misuse is excluded.



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8. CHRONIC LIVER DISEASE
End stage liver failure evidenced by all of the following:-
(a) Permanent jaundice
(b) Ascites
(c) Encephalopathy
(d) Portal hypertension
Wernicke's encephalopathy & liver failure secondary to alcohol or drug misuse is excluded

9. FULMINANT VIRAL HEPATITIS
This is defined as a sub massive to massive necrosis of the liver caused by any virus leading precipitously to liver failure.
The diagnostic criteria to be met are:
(a) A rapidly decreasing liver size as confirmed by abdominal ultrasound;
(b) Necrosis involving entire lobules, leaving only a collapsed reticula framework;
(c) Rapidly deteriorating liver functions tests; and
(d) Deepening jaundice.
Hepatitis B infection or carrier status alone does not meet the diagnostic criteria

10. COMA
A state of unconsciousness with no reaction or response to external stimuli or internal needs, persisting continuously for at least 96
hours, requiring the use of life support systems and resulting in a neurological deficit, lasting more than 30 days. Confirmation by a
neurologist must be present.
Coma resulting directly from self-inflicted injury, alcohol or drug misuse is excluded.

11. BENIGN BRAIN TUMOR
A life-threatening, non-cancerous tumor in the brain giving rise to characteristic signs of increased intra-cranial pressure such as
papilloedema, mental symptoms, seizures and sensory impairment. The presence of the underlying tumor must be confirmed by
imaging studies such as CT Scan or MRI.
The following are excluded:
(a) Cysts
(b) Granulomas
(c) Malformations in or of the arteries or veins of the brain
(d) Haematomas
(e) Tumors in the pituitary gland, or spine
(f) Tumors of the acoustic nerve

12. PARALYSIS/PARAPLEGIA
The complete and permanent loss of use of both arms or both legs, or one arm and one leg, through paralysis caused by illness or
injury persisting for at least six (6) months from the date of trauma or illness.

13. BLINDNESS

The total, permanent and irrecoverable loss of the sight of both eyes. Certification by an ophthalmologist is necessary.

14. LOSS OF HEARING/DEAFNESS
Total, permanent and irreversible loss of hearing in both ears as a result of disease or accident. Medical evidence in the form of an
audiometry and sound-threshold tests must be provided.

15. MAJOR BURNS
Third degree burns covering at least twenty percent (20%) of the person covered's body surface area as measured by "The Rule of 9"
of the Lund & Browder Body Surface Chart.

16. HIV BY BLOOD TRANSFUSION
The Person covered being infected by HIV virus or AIDS provided that:
(a) The infection is due to blood transfusion received in Malaysia or Singapore after the commencement of the Certificate;
(b) The Person covered is not a haemophiliac; and
(c) The Person covered is not a member of any high risk groups such as but not limited to homosexuals, intravenous drug users or
sex workers.
Notification & proof of incident will be required via a statement from a statutory Health Authority that the infection is medically
acquired.






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17. FULL BLOWN AIDS
The clinical manifestation of AIDS (Acquired Immuno-deficiency Syndrome) must be supported by the results of a positive HIV (Human
Immuno-deficiency Virus) antibody test and a confirmatory Western Blot test. In addition, the life Person coveredmust have a CD4 cell
count of less than two hundred (200) and one or more of the following criteria are met: Weight loss of more than 10% of body weight
over a period of six (6) months or less (wasting syndrome);
(a) Kaposi Sarcoma;
(b) Pneumocystic Carinii Pneumonia;
(c) Progressive multifocal leukoencephalopathy;
(d) Active Tuberculosis;
(e) Less than one-thousand (1000) Iymphocytes
(f) Malignant Lymphoma.
In the event of a claim, only 50% of the sum covered in force under the Basic Certificate is payable. The balance of the sum covered,
if in force, will be payable in the event of a total and permanent disability claim or death or on the first diagnosis of another dread
disease. The takaful charge under the Basic Certificate will be waived.

18. OCCUPATIONALLY ACQUIRED HIV INFECTION

The Applicant/Owner being infected by Human Immuno-deficiency Virus (HIV) where it was acquired as a result of an accident
occurring during the course of carrying out normal occupational duties with sero-conversion to HIV infection occurring within six (6)
months of the accident. Any accident giving rise to a potential claim must be reported to the Company within thirty (30) days of the
accident taking place supported by a negative HIV test taken within seven (7) days of the accident. Infection in any other manner
including infection as a result of sexual activity, blood transfusions or recreational intravenous drug use is specifically EXCLUDED.


In the event of a claim, takaful charge payable to be waived shall be based on only 50% of the sum covered in force under the Basic
Certificate and this Supplementary Contract. The takaful charge payment on the balance of the sum covered under the Basic
Certificate and this Supplementary Contract will be continued to keep the Certificate in force and shall be waived in the event of death
or total and permanent disability or on the first diagnosis of another dread disease, provided however this Supplementary Contract is
in force.

19. CHRONIC LUNG DISEASE
End stage respiratory failure including chronic interstitial lung disease.
The following criteria must be met:
(a) Requiring permanent oxygen therapy as a result of a consistent FEV1 test value of less than one litre. (Forced Expiratory Volume
during the first second of a forced exhalation)
(b) Arterial Blood Gas analysis with partial oxygen pressures
of 55mmHg or less
(c) Dyspnoea at rest.

20. ENCEPHALITIS
Defined as severe inflammation of brain substance, resulting in permanent neurological deficit lasting for a minimum period of 30 days
& certified by a consultant neurologist. The permanent deficit must result in an inability to perform at least three (3) of the following
Activities of Daily Living either with or without the use of mechanical equipment, special devices or other aids and adaptations in use
for disabled persons. For the purpose of this benefit, the word "permanent", shall mean beyond the hope of recovery with current
medical knowledge and technology.

The Activities of Daily Living are: -
(a) Transfer - Getting in & out of a chair without requiring physical assistance.
(b) Mobility - The ability to move from room to room without requiring any physical assistance.
(c) Continence - The ability to voluntarily control bowel and bladder functions such as to maintain personal hygiene.
(d) Dressing - Putting on and taking off all necessary items of clothing without requiring assistance of another person.
(e) Bathing/Washing - The ability to wash in the bath or shower (including getting in or out of the bath or shower) or wash by any
other means.
(f) Eating - All tasks of getting food into the body once it has been prepared.

21. MAJOR ORGAN TRANSPLANT
The actual undergoing of a transplant as a recipient of one of the following human organs:
(a) Kidney
(b) Lung(s)
(c) Liver
(d) Heart
(e) Bone marrow

22. LOSS OF SPEECH
Total and irrecoverable loss of the ability to speak for a continuous period of 12 months. Medical evidence to confirm injury or illness
to the vocal cords to support this disability must be supplied by an appropriate (Ear, Nose, Throat) specialist. All psychiatric related
causes are excluded.

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23. BRAIN SURGERY
The actual undergoing of surgery to the brain under general anaesthesia during which a craniotomy is performed. Bur Hole & brain
surgery as a result of an accident is excluded.

24. HEART VALVE REPLACEMENT
The actual undergoing of open-chest surgery to replace or repair cardiac valves as a consequence of heart valve defects or
abnormalities that have occurred after the date of issue or date of reinstatement of this contract. Repair, via valvotomy, intra-arterial
procedure, key-hole surgery or similar techniques are specifically excluded.

25. TERMINAL ILLNESS
The life person covered must be suffering from a condition, which in the opinion of an appropriate medical consultant is highly likely to
lead to death within 12 months. The person covered must no longer be receiving active treatment other than that for pain relief.


26. BACTERIAL MENINGITIS

Bacterial meningitis causing inflammation of the membranes of the brain or spinal cord resulting in permanent neurological deficit
lasting for a minimum period of 30 days & resulting in a permanent inability to perform at least three (3) of the following Activities of
Daily Living either with or without the use of mechanical equipment, special devices or other aids and adaptations in use for disabled
persons. For the purpose of this benefit, the word "permanent", shall mean beyond the hope of recovery with current medical
knowledge and technology.

The Activities of Daily Living are: -
(a) Transfer - Getting in & out of a chair without requiring physical assistance.
(b) Mobility - The ability to move from room to room without requiring any physical assistance.
(c) Continence - The ability to voluntarily control bowel and bladder functions such as to maintain personal hygiene.
(d) Dressing - Putting on and taking off all necessary items of clothing without requiring assistance of another person.
(e) Bathing/Washing - The ability to wash in the bath or shower (including getting in or out of the bath or shower) or wash by any
other means.
(f) Eating - All tasks of getting food into the body once it has been prepared.
The diagnosis is to be confirmed by a consultant neurologist.

27. POLIOMYELITIS
Unequivocal diagnosis by a consultant neurologist of infection with the Poliovirus leading to paralytic disease as evidenced by impaired
motor function or respiratory weakness. Cases not involving paralysis will not be eligible for this benefit. Other causes of paralysis
(such as Guillain-Barre syndrome) are specifically excluded.

28. APLASTIC ANAEMIA
Chronic persistent bone marrow failure which results in total aplasia of the bone marrow & requires treatment with at least one of the
following:
(a) Regular blood product transfusion
(b) Marrow stimulating agents
(c) Immunosuppressive agents
(d) Bone marrow transplantation

29. MOTOR NEURONE DISEASE
Motor neurone disease of unknown aetiology is characterized by progressive degeneration of corticospinal tracts and anterior horn
cells or bulbar efferent neurons. These include spinal muscular atrophy, progressive bulbar palsy, amyotrophic lateral sclerosis and
primary lateral sclerosis.
Diagnosis must be confirmed by a consultant neurologist.

30. PARKINSONS DISEASE
Unequivocal diagnosis of Parkinson's disease by a consulting neurologist where the condition:
(a) Cannot be controlled with medication
(b) Shows signs of progressive impairment
Activities of daily living assessment confirm the inability of the life person covered to perform without assistance three (3) or more of
the following:
(a) Transfer - Getting in & out of a chair without requiring physical assistance.
(b) Mobility - The ability to move from room to room without requiring any physical assistance.
(c) Continence - The ability to voluntarily control bowel and bladder functions such as to maintain personal hygiene.
(d) Dressing - Putting on and taking off all necessary items of clothing without requiring assistance of another person.
(e) Bathing/Washing - The ability to wash in the bath or shower (including getting in or out of the bath or shower) or wash by any
other means.
(f) Eating - All tasks of getting food into the body once it has been prepared.


Only idiopathic Parkinson's disease is covered. Drug-induced or toxic causes of Parkinsonism are excluded.


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31. ALZHEIMERS DISEASE/IRREVERSIBLE ORGANIC DEGENERATIVE BRAIN DISORDERS
Deterioration or loss of intellectual capacity or abnormal behaviour as evidenced by the clinical state and accepted standardized
questionnaires or tests arising from Alzheimer's disease or irreversible organic degenerative brain disorders excluding neurosis,
psychiatric illness, and any drug or alcohol related organic disorder, resulting in significant reduction in mental and social functioning
requiring the continuous supervision of the life insured. The diagnosis must be clinically confirmed by an appropriate consultant.

32. MUSCULAR DYSTROPHY
The diagnosis of muscular dystrophy shall require a confirmation by a consultant neurologist of the combination of 3 out of 4 of the
following conditions.
(a) Family history of other affected individuals
(b) Clinical presentation including absence of sensory disturbance, normal cerebro-spinal fluid and mild tendon reflex reduction
(c) Characteristic electromyogram
(d) Clinical suspicion confirmed by muscle biopsy

Children are excluded from the definition.

33. SURGERY OF THE AORTA
The actual undergoing of surgery via a thoracotomy or laprotomy to repair or correct an aortic aneurysm, an obstruction of the aorta
or a coarctation of the aorta. For the purpose of this definition, aorta shall mean the thoracic and abdominal aorta but not its
branches.
34. MULTIPLE SCLEROSIS
Unequivocal diagnosis by a consulting neurologist confirming the following combination, which has persisted for at least a continuous
period of six (6) months:
(a) Symptoms referable to tracts (white matter) involving the optic nerves, brain stem and spinal cord, producing well-defined
neurological deficits;
(b) A multiplicity or discrete lesions; and
(c) A well-documented history of exacerbation and remissions of said symptoms/neurological deficits.

35. PRIMARY PULMONARY ARTERIAL HYPERTENSION
Means primary pulmonary hypertension with substantial right ventricular enlargement established by investigations including cardiac
catheterization, resulting in permanent irreversible physical impairment to the degree of at least Class 3 of the New York Heart
Association Classification of cardiac impairment, & resulting in the Life Person covered being unable to perform his/her usual
occupation.

36. CARDIOMYOPATHY
The unequivocal diagnosis by a consultant cardiologist of cardiomyopathy causing impaired ventricular function, suspected by ECG
abnormalities and confirmed by cardiac echo of variable aetiology and resulting in permanent physical impairments to the degree of at
least class III of the New York Association Classification of cardiac impairment.

Class III - Marked limitation - Such patients are comfortable at rest but performing less than ordinary activity will lead to
symptoms of Congestive Cardiac Failure.

Class IV - Inability to carry out any activity without discomfort. Symptoms of Congestive Cardiac Failure are present even at
rest. With any increase in physical activity, discomfort will be experienced.

Cardiomyopathy directly related to alcohol misuse is excluded.























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List of Additional 10 Dread Diseases


1. APALLIC SYNDROME/VEGETATIVE STATE

Universal necrosis of the brain cortex, with the brainstem remaining intact. Diagnosis must be confirmed by
a neurologist and condition must be documented for at least one (1) month.




2. CREUTZFELDT-JACOB DISEASE (MAD COW DISEASE)

A neurological disease, fatal spongioform encephalopathy accompanied by signs and symptoms of:
a) uncontrolled muscular spasm or tremor; b) severe progressive dementia; c) cerebellar dysfunction; and
d) athetosis. The diagnosis must be made by a Specialist in neurology; and must be based on conclusive
Electroencephalography (EEG) and Cerebrospinal Fluid (CSF) findings as well as Computed Tomography
(CT) scan and Magnetic Resonance Imaging (MRI).




Patient suffering from CREUTZFELDT-JACOB DISEASE










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3. MYASTHENIA GRAVIS


An autoimmune disorder characterized by chronic weakness of voluntary muscles which is confirmed by a
Specialist in neurology and proven by Tensilon test and Electromyogram (EMG). A certified Specialist must
report that the disease is generalized and despite optimal therapy with surgery or medications causing
permanent functional impairment such that a Person Covered is unable to perform (whether aided or
unaided) at least three(3) of the Activities of Daily Living as defined herein, for a continuous period of at
least six (6) months.


(a) Transfer - Getting in and out of a chair without requiring physical assistance;
(b) Mobility - The ability to move from room to room without requiring any physical assistance;
(c) Continence - The ability to voluntarily control bowel and bladder functions such as to maintain
personal hygiene;
(d) Dressing - Putting on and taking off all necessary items of clothing without requiring assistance of
another person;
(e) Bathing/Washing - The ability to wash in the bath or shower (including getting in or out of the bath or
shower) or wash by any other means, without requiring assistance of another person;
(f) Eating - All tasks of getting food into the body once it has been prepared without any physical
assistance.


Myasthenia Gravis due to thyroid disease and Ocular Myasthenia Gravis are excluded.












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4. OTHER SERIOUS CORONARY ARTERY DISEASE


The narrowing of the lumen of at least three (3) major coronary arteries (not inclusive of their branches) by
a minimum of 60 percent or more as proven by coronary arteriography (non-invasive diagnostic procedures
are excluded). Coronary Arteries herein refer to the Circumflex Artery, Right Coronary Artery (RCA), Left
Anterior Descending Artery(LAD) and Left Main Stem ( a narrowing of 60% or more of the Left Main Stem
will be considered as a narrowing of two (2) major arteries). This benefit is payable regardless of whether
or not any form of coronary artery surgery has been performed.




















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5. PROGRESSIVE SCLERODERMA


A systemic collagen-vascular disease causing progressive diffuse fibrosis in the skin, blood vessels and
visceral organs. This diagnosis must be unequivocally supported by biopsy and serological evidence and the
disorder must have reached systemic proportions to involve the heart, lungs or kidneys.

The following are excluded:
Localised scleroderma (linear scleroderma or morphea);
Eosinophilic fascitis; and
CREST syndrome.


















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6. BRACHIAL PLEXUS INJURY RESULTING IN TOTAL PARALYSIS ONE LIMB


Avulsion of all roots of the brachial plexus due to injury resulting in permanent total paralysis of the arm,
absent reflexes and complete sensory loss. Diagnosis must be confirmed by a consultant neurologist and
has to be evident by EMG / Nerve Conduction Studies performed by a qualified specialist one (1) month
after injury at the earliest. Self inflicted / obstetric injuries are excluded.




















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7. MEDULLARY CYSTIC DISEASE


A progressive hereditary disease of the kidneys characterized by the presence of cysts in the medulla,
tubular atrophy and interstitial fibrosis with the clinical manifestations of anemia, polyuria and renal loss of
sodium, progressing to chronic renal failure. Diagnosis should be supported by a renal biopsy.



Normal Kidney Medullary Cystic Kidney


8. MAJOR HEAD TRAUMA


Physical head injury causing permanent functional impairment lasting for a minimum period of three (3)
months from the date of the trauma or injury. The resultant permanent functional impairment is to be
verified by a neurologist and must result in an inability to perform at least three (3) of the Activities of Daily
Living as defined herein.















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9. LOSS OF INDEPENDENT EXISTENCE


Confirmation by an appropriate specialist of the loss of independent existence lasting for a minimum
consecutive period of six (6) months and resulting in a permanent inability to perform at least three (3) of
the Activities of Daily Living as defined herein.


10. SYSTEMIC LUPUS ERYTHEMATOSUS WITH LUPUS NEPHRITIS


Refers to a multi-system, autoimmune disorder characterized by the development of auto-antibodies,
directed against various self-antigens.

Within the context of this policy, SLE is restricted to only those forms of systemic lupus Erythematosus,
which involve the kidneys (Type 111 to Type V Lupus Nephritis, established by renal biopsy). Other forms
such as discoid lupus and those forms with only hematological and joint involvement are specifically
excluded.

WHO Lupus Classification:
Class 1 - Minimal change glomerulonephritis
Class 11 - Mesangial glomerulonephritis
Class 111 - Focal Segmental glomerulonephritis
Class 1V - Diffuse glomerulonephritis
Class V - Membranous glomerulonephritis
















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Appendix 7
JUVENILE CRITICAL ILLNESS DESCRIPTION

1. SEVERE ASTHMA

Severe asthma as evidence by EITHER:
An acute attack of severe asthma leading to admission to
hospital and assisted ventilation with a mechanical
ventilator machine for a continuous period of at least 4
hours to establish control of the asthma attack on the
advice of a consultant paediatrician.

OR

At least 4 of the following features of chronic, severe
asthma. Continuous daily usage of oral corticosteroids
for a minimum period of six (6) months on the advice of
a consultant paediatrician to control the childs asthma.

The presence of a Harrisons sulcus chest deformity as
confirmed by a consultant paediatrician;

Significant growth impairment that is confirmed by a
consultant paediatrician and attributed to the childs
chronic, severe asthma (which is for this purpose
defined as a height below the third percentile at a
routine developmental examination at the age of at
least one year);

An average of at least three (3) hospital admissions
per year in the previous two (2) years to control acute
attacks of asthma. An admission to hospital will be
counted for this purpose if it results in a stay in
hospital of at least two nights duration on the advice
of a consultant paediatrician;

Significant and persistent limitation of the peak
expiratory flow rate (which is for this purpose defined
as maximum peak expiratory flow rate recordings of
less than 80% of the rate predicted by a consultant
paediatrician for asthma). The recordings are to be
made by a consultant paediatrician for at least twelve
(12) months. The paediatrician certifying the recording
should be satisfied that the child is complying with
optimal prescribed asthma medication throughout the
period to which the recordings relate.

2. LEUKAEMIA

Unequivocal diagnosis of leukemia, confirmed by
histology, requiring chemotherapy and/or radiotherapy
treatment.

3. BONE MARROW TRANSPLANT

The actual undergoing of or confirmed of acceptance on
the official Malaysian waiting list for a necessary
transplant of Bone Marrow from a human donor as a
recipient.

4. INSULIN DEPENDENT DIABETES MELLITUS

Insulin dependant diabetes mellitus as characterized by
the continuous dependence on exogenous insulin for the
preservation of life as diagnosed by the consultant
endocrinologist. Evidence of dependence for a minimum
of six (6) months will be required before a claim is
considered.




5. RHEUMATIC FEVER WITH VALVULAR
IMPAIRMENT

A confirmed diagnosis by a qualified paediatrician
acceptable to the Takaful Operator of acute rheumatic
fever according to the revised Jones criteria for its
diagnosis. The Takaful Operator only cover the case
where there is involvement of one (1) or more heart
valves and at least mild valve incompetence attributable
to rheumatic fever as confirmed by quantitative
investigations of the valve function by a qualified
cardiologist acceptable to the Takaful Operator.
6. KAWASAKI DISEASE WITH HEART
COMPLICATIONS

The diagnosis of Kawasaki disease by a Consultant
Paediatrician, Rheumatologist or Cardiologist. There
must be echocardiography evidence of cardiac
involvement manifested by dilation or aneurysm
formation in the coronary arteries present for at least six
(6) months after the initial acute episode.
7. INTELLECTUAL IMPAIRMENT DUE TO ACCIDENT
OR SICKNESS

Significant and Permanent Neurological impairment or
Significant permanent Loss of Intellectual capacity as
diagnosed by a consultant pediatrician or consultant
neurologist as a direct result of accident or sickness.

The Neurological impairment or Loss of Intellectual
capacity must confirmed for lives under age six (6) by a
Denver development Screening Test, Singapore (DDST,
Singapore) to be performed in Malaysia with a reading of
Abnormal, or for lives aged six (6) or above, by an IQ
score of less than 70.

The significant neurological impairment or significant loss
of intellectual capacity must result in the need for special
child or special schooling as certified by a consultant
pediatrician or consultant neurologist and must persist
for at least six (6) months before a claim will be paid. No
claim will be paid until the Person Covered is aged four
(4) or above.

There must be unequivocal proof that the Significant and
Permanent Neurological impairment or Significant and
Permanent Loss of Intellectual capacity is direct result of
an accident sustained or sickness suffered by the Person
Covered after the risk commencement date of the
Certificate.

8. GLOMERULONEPHRITIS WITH NEPHROTIC
SYNDROME

The Takaful Operator only cover glomerulonephritis with
nephrotic syndrome that continued for a period of at
least six (6) months, with or without intervening periods
of remission. The diagnosis of nephrotic syndrome must
be made by a qualified pediatrician acceptable to the
Takaful Operator and who should confirm that a
treatment regimen appropriate to the clinical
presentation has been followed throughout the period to
which the syndrome relates. No benefit will be payable in
respect of a nephritic syndrome which is attributable to a
condition that also gives rise to a claim.
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Appendix 8

Table of Accidental Death and Dismemberment (ADD)

Schedule of Benefit
% of Accidental Death
& Permanent
Dismemberment Sum
Covered
Loss of Life
Loss of or permanent total loss of use of two (2) limbs
Loss of or permanent total loss of use of both hands, or of all fingers and both thumbs
Total paralysis
Total insanity
Injuries resulting in being permanently bedridden
Any other injury causing permanent total disablement
Loss of or permanent total loss of use of arm at shoulder
Loss of or permanent total loss of use of arm between shoulder and elbow
Loss of or permanent total loss of use of arm at elbow
Loss of or permanent total loss of use of arm between elbow and wrist
Loss of or permanent total loss of use of hand at wrist
100%
100%
100%
100%
100%
100%
100%
100%
100%
100%
100%
100%

Loss of or permanent total loss of use of leg - at hip
- between knee and hip
- between knee and ankle
Eye: loss of - whole eye
- all sight in one (1) eye
- all sight in one (1) eye, except perception of light
- lens in one (1) eye
Loss of or permanent total loss of use of four (4) fingers and thumb of one (1) hand
Loss of or permanent total loss of use of four (4) fingers
Loss of or permanent total loss of use of thumb - both phalanges
- one (1) phalanx
Loss of or permanent total loss of use of index finger - three (3) phalanges
- two (2) phalanges
- one (1) phalanx
Loss of or permanent total loss of use of middle finger - three (3) phalanges
- two (2) phalanges
- one (1) phalanx
Loss of or permanent total loss of use of ring finger - three (3) phalanges
- two (2) phalanges
- one (1) phalanx
Loss of or permanent total loss of use of little finger - three (3) phalanges
- two (2) phalanges
- one (1) phalanx
Loss of or permanent total loss of use of metacarpals - first or second (additional)
- third, fourth or fifth (additional)
Loss of or permanent total loss of use of toes - all
- great, both phalanges
- great, one (1) phalanx
- other than great, if more than one (1)toe
Loss of hearing - both ears
- one (1) ear
Loss of speech

100%
100%
100%
100%
100%
50%
50%
50%
40%
25%
10%
10%
8%
4%
6%
4%
2%
5%
4%
2%
4%
3%
2%
3%
2%
15%
5%
2%
1%
75%
15%
50%

The Companys liability in respect of any losses to any one (1) Person Covered shall not exceed one hundred
percent (100%) of the Accident Death and Permanent Dismemberment Sum Covered in any one (1)
Certificate Year. All other losses smaller than one hundred percent (100%), if having been paid shall reduce
the respective Person Covereds coverage under this Supplementary Contract by that amount from the date
of accident until expiration of the Certificate Year. This Supplementary Contract will be terminated once one
hundred percent (100%) of the Accident Death and Permanent Dismemberment Sum Covered is being paid
out in any one (1) Certificate Year.