Takaful Products PDF

PAGE 1 FOR INTERNAL CIRCULATION & TRAINING PURPOSES ONLY
ILP Traditional
i-Great Damai i-Great Abadi i-Great Iqra’ i-Great Amal i-Great Teras i-Great Idaman
Protection
Make money Plan for your whilst
Live life to Sense of
now and child’s bright fulfilling Back to Basic
the fullest Security
forever future spiritual
obligations
Perform the
Building Mount up Now everyone
pilgrimage
Affordable wealth for child’s can be
without
comprehensive future education protected.
worrying about To complement
protection generation funds and Provide the
your finances challenging
from as low as with a provide basic
and protection lifestyle
RM100 per minimum of protection protection you
needs from as
month RM500 per from RM100 need.
low as RM50
month per month
per month

ILP Traditional
i-Great Damai i-Great Abadi i-Great Iqra’ i-Great Amal i-Great Teras i-Great Idaman
Protection
Make money Plan for your whilst
Live life to Sense of
now and child’s bright fulfilling Back to Basic
the fullest Security
forever future spiritual
obligations
Perform the
Building Mount up Now everyone
pilgrimage
Affordable wealth for child’s can be
without
comprehensive future education protected.
worrying about To complement
protection generation funds and Provide the
your finances challenging
from as low as with a provide basic
and protection lifestyle
RM100 per minimum of protection protection you
needs from as
month RM500 per from RM100 need.
low as RM50
month per month
per month
TPK Training Covers
Attachable Riders for IL Takaful Plan
Medical Riders
i-HB and i-Medik i-Great Iqra’
Dread Disease/Critical Illness Rider

i-CIBR and i-EPCC
Great Damai
Accident Rider
i-ADD, i-AMR, i-CABX
i-Great
Other Rider – Disability Income Rider

i-GI
Provider Riders
i-Great
Abadi
i-PDD, i-PTPD and i-PP
Contributor Riders
i-CB and i-CBP

Attachable Riders for IL Takaful Plan
Medical Riders
i-HB and i-Medik (enhancement) i-Great Iqra’
Dread Disease/Critical Illness Rider

i-CIBR and i-EPCC
Great Damai
Accident Rider
i-ADD, i-AMR, i-CABX
i-Great
Other Rider – Disability Income Rider

i-GI
Provider Riders
i-Great
Abadi
i-PDD, i-PTPD and i-PP
Contributor Riders
i-CB and i-CBP

Attachable Riders for Traditional Takaful
Dread Disease /
Critical Illness Rider
Contributor Rider

Definition of IL Family Takaful
A shariah-compliant protection
plan where its value is directly
linked to its investment
performance.

Unique Business Approach
Shariah Compliant
Absence of Riba (usury) and
Maysir (gambling); minimization
of Gharar (uncertainty)
Shariah Committee
Business operations are
monitored by Shariah Committee
Business Operations
Wakalah Ju’alah Model

Contribution Allocation
Contribution
(RM)
Allocated Unallocated
Actual Claim
Minus (-) Upfront Charge
Participant
• Commission
Unit Account
Tabarru Charge • Distribution related
(PUA) Tabarru Fund
every month expenses
Investment
Investment Profit
Profit from
from Tabarru’
PUA
Fund (100%)
(100%)
Takaful
Underwriting
Makmur
Majmuk
Mekar
Operator
50% Surplus 50% (GETSB)
*After a suitable amount is held back for contingency purposes

Fund Asset Allocation
All investments are endorsed by Shariah Committee

Charges
Varies by attained age next birthday, gender, smoker,
Tabarru’ status, occupation class and sum covered.
Subject to revision.
RM6 per month for all modes of payment

Service Charge
…deducted at the beginning of each certificate month
Fund Management Dana i-Mekar = 1.45%

Charge Dana i-Majmuk = 1.25%
Dana i-Makmur = 0.50%
…deducted upon NAV calculation
Unallocated contributions.
Upfront Charge Consist of agent’s commission and distribution related
expenses.
…deducted upon payment of contribution

Mode & Method of Contribution
Payment Mode
Monthly • Giro & Credit Card
• CIMB Clicks
• Maybank2u
• Biro Potongan Angkasa
• Salary Saving Scheme
Quarterly • Giro & Credit Card
• CIMB Clicks
• Maybank2u
Half Yearly • Giro & Credit Card
• CIMB Clicks
• Maybank2u
Annual • Giro & Credit Card
• Cash & Cheque
• CIMB Clicks
• Maybank2u

Flexible Option 1
Contribution Apportionment
Example 1 Example 2
Dana i-Mekar Dana i-Mekar
0% 50%
100%
Dana i-Majmuk
30%
0%
Dana i-Makmur
20%

Dana i-Mekar Flexible Option 2
50%
x
Dana i-Majmuk
30% Changing Contribution
Dana i-Makmur Apportionment
20%
Dana i-Mekar
40%
Alter contribution
Dana i-Majmuk apportionment at anytime.
30%
Dana i-Makmur
Switch 10%
30%
from Dana i-Mekar
to Dana i-Makmur.

Flexible Option 3
Dana i-Mekar
6,000 Fund Switching
units
Dana i-Majmuk
4,000
units
Unlimited switching at no
charge.
Dana i-Makmur Minimum amount cancelled to

create units in another unit fund
2,000 units switched must equal to RM1,000.
from Dana i-Mekar
* Price per unit is assumed at RM1.00

Flexible Option 4
Dana i-Mekar Single Contribution Top Up
50%
Dana i-Majmuk
30% Min RM1,000
Allocation Rate is 95%
Dana i-Makmur
Conditions:
20% Current year’s and all previous
year’s BIC have been fulfilled.

Flexible Option 5
Mode of Payment Minimum Increment
Contribution Annually 240

Increment Half-yearly 120
Quarterly 60
Monthly 20
Conditions:
• Take effect from the next Basic Investment Contribution (BIC) due date.
• Increase in contribution is treated as new contribution for fund allocation.
• Recalculate min/max SC. Increase SC (if any) is subject to underwriting.

Flexible Option 6
Dana i-Mekar
50% Partial Withdrawal
Dana i-Majmuk
30%
Min RM1,000
Dana i-Makmur
20% Minimum aggregate value of
the remaining units in all
funds is RM5,000.

Flexible Option 7
Contribution Holiday
Sum Covered
• Increase BSC – up to max SC, may subject to
underwriting
• Decrease BSC – subject to min SC limit
Riders
• Attach riders
• Cancel riders

Flexible Option 8
Golden Age Enhancer
Only for i-Great Damai

Single Contribution Top-Up at inception of the certificate
95% Allocation Rate
Minimum entry age is 55
First certificate year BIC is requested to be paid in full
contribution regardless of payment mode selected
GAE amount must equal to i-Great Damai Annual Contribution

Marketing Positioning
Live life Enjoy the finer

to the things in life with
fullest! affordable
comprehensive
protection

Unique Marketing Propositions
Bereavement
Work Smarter We Care For You and Benefits for
Not Harder your Loved Ones your Extra
Coverage
Flexibility to
Decide on
Enhance your Several Choices of
Protection and
Protection Funds
Contribution
Levels
Rewards you
with
Underwriting Enjoy Tax
Pays you upon maturity
Surplus and Relief
Investment
Profit

Plan Description
Regular
Contribution IL
Maturity at Family Takaful
age 99

Plan Benefits
2
Total &
1 Permanent
Death Disability
Benefit (TPD) Benefit
3
Bereavement 4
Maturity
Benefit
Benefit

Death Benefit
Total Account Value (TAV)

Basic Sum Covered (BSC) +
from Participant’s Unit
from Tabarru’ fund; plus
Account (PUA) if any;
* Standard Child Lien applies

for death before age 5, 100%
TAV (if any) is payable as
well.

TPD Benefit before age 70
100% TAV from PUA (if any) payable in

The BSC not exceeding RM2,000,000 under
this certificates and all certificates and + one lump sum (or retain with Takaful
Operator to continue paying for riders).
riders on the same person shall be paid in 3
annual installments with the first being a
lump sum of the BSC or RM1,000,000
whichever is lesser, and the balance of the
BSC (if any), will be payable in two equal,
annual installments of maximum
RM500,000 each from Tabarru’ Fund.
The maximum TPD Benefit payable under
this and all certificates and riders on the
same person payable by Takaful Operator,
is RM 3,500,000 per person.
Standard Child Lien applies for TPD before

* age 5.

Bereavement Benefit
Bereavement Benefit Conditions
Upon death of the Person Covered due Upfront payment so long Claimant
to any reason, lump sum of RM2K per submits proof of death without a
person is payable from Takaful need to process the death claim first.
Operator’s fund. Claimant = immediate family member
This does not guarantee that Death
Benefit will be payable.
Maturity Benefit
Maturity Benefit
100% TAV (if any) of PUA is payable in one

lump sum

Other Features and Privileges
Free Look Third Party

Nomination Certificate
Period
Surrender
Values Assignment Reinstatement

Charges
Fund
Tabarru’
Management
Charge
Service
Upfront
Charge
Charge
Contribution Due and Paid Upfront Charge (%)

1st and 2nd years 57
3rd and 4th years 24
5th and 6th years 15
7th and subsequent years n/a

Contribution Due and Paid Allocation Rate %

1st and 2nd years 43
Takaful
3rd and 4th years 76
Contribution
5th and 6th years 85
7th and subsequent years 100
Single Contribution
95% Allocation Rate
Top-up/Balancer

Underwriting Guidelines
Age at Entry
Minimum Maximum
30 days old attained age 70 years next birthday
(19 years next birthday for certificate ownership)
Age at Entry
for Golden Age Enhancer
Minimum Maximum
55 years next birthday 70 years next birthday

Basic Investment Contribution (BIC)
Mode of Payment Minimum (RM) Maximum

Annually 1,200 n/a
Half-yearly 600 n/a
Quarterly 300 n/a
Monthly 100 n/a

Agency Compensation
Single Contribution Top-up/Balancer
Year of Contribution Paid Basic Commission Overriding Commission

As a percentage of contributions paid
All 2.0% 1.0%

Agency Compensation
Takaful Contribution
Agency
Year of Basic Overriding Production Persistency
Related
Contribution Commission Commission Bonus Bonus
Expenses
Paid
1 25.0% 10.0% 5.0% 0.0% 2.27%
2 20.0% 15.0% 0.0% 5.0% 3.00%
3 18.5% 6.5% 0.0% 0.0% 3.00%
4 18.5% 6.5% 0.0% 0.0% 3.00%
5 15.0% 0.0% 0.0% 0.0% 3.00%
6 15.0% 0.0% 0.0% 0.0% 3.00%
7 onwards 0.0% 0.0% 0.0% 0.0% 3.00%

Protection that builds

Make money now your wealth for future
and forever generation

Unique Marketing Propositions
Pays You Upon
Maturity
We are here
Enjoy Tax
to help you
Relief
Rewards you We Care for

with You and Your
Underwriting Unique Loved Ones
Surplus and Selling
Investment Propositio
Profit n
Accidental Death
Benefit (ADB) Adds
Flexibility to Top to Your Protection
Up your
Investment Value
Options to
Several Choices Enhance Your
of Funds Protection
Plan Description
Regular contribution IL
Maturity at age 99 family Takaful

Plan Benefits
Total &
Death Permanent
Benefit Disability
(TPD) Benefit
Accidental Maturity
Death Benefit
Benefit
(ADB) Enhanced
Allocation

Death Benefit
Death Benefit
Basic Sum Covered (BSC) from

Tabarru’ fund; plus
Total Account Value (TAV) from

Participant’s Unit Account
(PUA) if any;
Standard Child Lien applies for

death before age 5, 100% TAV (if
any) is payable as well.

TPD Benefit
Total & Permanent Disability (TPD) Benefit

before age 70
100% TAV from PUA (if any) payable in one lump

sum (or retain with Takaful Operator to continue
paying for riders).
BSC up to RM1mill will be paid in one lump sum.

BSC exceeding RM1mil and less than RM2mil
under this certificate and all certificates and
riders on the same person shall be paid in 3
annual installments.
Standard Child Lien applies for TPD before age 5.

ADB Benefits
Accidental Death Benefit (ADB)
Upon accidental death of the Person Covered in

the 1st certificate year, 10% of minimum (Total
contribution paid minus Partial Withdrawal, if
any) made during the 1st certificate year,
RM1mil), will be paid from Takaful Operator’s
fund in one lump sum.
Conditions:
Total Contribution paid minus Partial
Withdrawal (if any) made during the 1st
certificate year must be at least RM20K;
Maximum ADB payable is RM100K.

Plan Benefits
Enhanced Allocation
Additional 2% of Basic Investment

Contribution allocation will be given from
Takaful Operator’s fund for every 3rd
contribution payment year.
Maturity Benefit
100% TAV (if any) of the PUA is payable in

one lump sum.

Other Features and Privileges
Reinstatement Surrender Values
Free Look Period Assignment
Third Party Certificate Nomination

Charges
Fund
Tabarru’
Management
Charge
Service
Upfront
Charge
Charge
Contribution Due and Paid Upfront Charge (%)

1st and 2nd years 5
3rd year 3
4th and 5th years 5
6th year 3
: :
Contribution Due and Paid Allocation Rate %

Basic Investment 1st and 2nd years 95
Contribution
(including 3rd year 97
Enhanced 4th and 5th years 95
Allocation)
6th year 97
: :
51st year 102
52nd and 53rd years 100
54th year 102
55th and 56th year 100
: :
Single
Contribution 95% Allocation Rate
Top-up

Age at Entry
Minimum Maximum
30 days old attained age 70 years next
(19 years next birthday for certificate birthday
ownership)

Basic Investment Contribution (BIC)

Annually 6,000 1mil
Half-yearly 3,000 500K
Quarterly 1,500 250K
Monthly 500 83,333
Sum Covered (SC) for Basic Benefit RM10K

Agency Compensation
Basic Investment Contribution/Single

Contribution Top-up
Year of Contribution Basic Commissions Overriding

Paid Commissions
1 - 50 2.0% 1.0%
Year of Contribution Agency Related Expenses

Paid As a percentage of contributions paid
All 0.75%

Target Market
• All Muslims
• Muslim that have yet to perform Hajj
• Low to medium income earner
• Young families
• Sandwich generations
Target Market
Malaysia Demographics Profile 2012

Why i-Great Amal?
Facts on Hajj
An average of 0.1% of total
population in Malaysia will
perform Hajj every year.
Facts on Umrah
Until year 2060, Tabung Haji
expected the number of
pilgrims for Umrah will increase
by 10,000 every year.
Source: Statistics Department and Tabung Haji, 2011

Why i-Great Amal?
A Muslim must submit his total mind, body and soul while performing this
Ibadah and leave your material thoughts and worries behind.
Muslims now can perform Hajj or Umrah without worrying about their
finances and protection while performing the 5th pillar of Islam. Be rest
assured. Be worry free. Perform your Ibadah with total peace of mind.

HAJJ
Hajj is the pilgrimage to Makkah, The 5th pillar of Islam, a religious

Saudi Arabia. It is the largest duty that must be carried out at
pilgrimage in the world. Hajj is a least once in their lifetime by
demonstration of the solidarity of every able-bodied Muslim who
Muslims and their submission to can afford to do so.
Allah S.W.T.
Pilgrim join processions of HAJJ

hundreds of thousands of
people, who simultaneously The pilgrimage occurs from
converge on Makkah for the the 8th to 12th day of
week of the Hajj, and perform Zulhijjah of the Islamic
a series of ritual acts as calendar.
thought by the Prophet
Muhammad PBUH.

Umrah
WHAT WHY WHEN HOW
Umrah is
The pilgrim
sometimes
perform a series
called the
of ritual acts The pilgrim
‘minor’
symbolic of the perform a series
pilgrimage’ or
lives of Ibrahim of ritual acts as
‘lesser Anytime of the
(Abraham) and thought by
pilgrimage’ to year.
his second wife Prophet
Makkah, Saudi
Hajar, and of Muhammad
Arabia.
solidarity with PBUH.
Umrah is not
Muslims
compulsory but
worldwide.
highly
recommended.

Qurban
WHAT WHY
Qurban is the sacrifice of a It is understood as a symbolic
livestock/animal during repetition of Abraham’s
Aidiladha. sacrifice of a ram (kibasy) in
place of his son.
HOW
WHEN An animal or a portion of an
In Islam, the sacrifice animal (such as goat, sheep,
(Qurban) of an animal is legal cow or camel) must be
only during 10-12 Zulhijjah of slaughtered according to
the Islamic calendar. Shariah.

Perform the pilgrimage without worrying about

your finances and protection needs.
We provide protection for You!

Key Propositions
Cover You Upon

Unexpected Events
Extra Benefits to Sparkle

Your Journey
Adha Benefit
Pays You Upon Maturity
Rewards You With

Underwriting Surplus and
Investment Profit
Enjoy Tax Relief

Plan Description
Regular
contribution term
Takaful plan Available for all
Muslim Covers up to age next
participants/ birthday 70 or term
person covered 50 years, whichever is
earlier
Plan Benefits
Death TPD Maturity Compassionate
Benefit Benefit Benefit Benefit
Double Indemnity Cash for Badal Hajj Adha

while performing Performing Benefit Benefit
Hajj/Umrah Benefit Hajj/Umrah
Benefit
Death Benefit
Amount in
Basic Sum Covered Participant’s
(BSC) from Tabarru’
fund; plus
+ Individual Account
(PIA);
* Standard
Child Lien
applies for
TPD before
age 5.
Plus Cash for Plus Adha Benefit

Less RM3K (subject to
Performing RM500 if yet to claim
current rates) for
Hajj/Umrah Benefit and die after 10th
Badal Hajj (if any)
RM800 if yet to claim certificate year

TPD Benefit
BSC up to RM1mill will be paid in one lump

sum. BSC exceeding RM1mil and less than Amount in Participant’s
RM2mil under this certificate and all
certificates and riders on the same person + Individual Account (PIA) in one
lump sum
shall be paid in 3 annual installments.
* Standard Child Lien

applies for TPD
before age 5.
Plus Cash for Performing Plus Adha Benefit RM500 if yet

Less RM3K (subject to current
Hajj/Umrah Benefit RM800 if to claim and die after 10th
rates) for Badal Hajj (if any)
yet to claim certificate year

Double Indemnity
Upon TPD while

Upon death while
performing
performing
Hajj/Umrah
Hajj/Umrah
Plus Cash for Performing Plus Adha Benefit RM500 if yet

Less RM3K (subject to current
Hajj/Umrah Benefit RM800 if to claim and die after 10th
rates) for Badal Hajj (if any)
yet to claim certificate year
Terms and Conditions:

Before person covered attained age 60
Notify GETSB in writing 30 days before departure with proof of departure
Covers the first 2 combinations of Hajj/Umrah per certificate, pay double on each
certificate
Coverage starts from the date of direct departure from Malaysia (Saudi Arabia) to Saudi
Arabia (Malaysia)
Max coverage 45 days (Hajj) and 15 days (Umrah) or the trip period whichever shorter

Cash for Performing Hajj/Umrah Benefit
RM800 is payable upon

death/TPD (at anytime) if Person
Covered has yet to claim under
this benefit
RM800 given to Person RM2,000 upon maturity

Covered before performing if yet to claim during
Hajj/Umrah after 5 years certificate lifetime
certificate in-force, once per
certificate lifetime

• Contributions due are up-to-date
• Notify GETSB in writing 30 days before departure with proof of
departure
• Limited to 2 certificates for multiple certificates claim
• This benefit is payable from Takaful Operator’s Fund
Badal Hajj Benefit
Upon death or TPD, RM3,000 (subject to current rates) will be

deducted from the BSC for the payment of Hajj by Proxy to an
appointed organizations

• For Person Covered at ANB 16 and above

Adha Benefit
Money will be credited into PIA and payable

upon death/TPD (both after 10th certificate
year) or upon maturity; if yet to claim
Participants can choose GETSB will perform one

to perform Qurban on part of chosen animal on
their own, cheque will be behalf of the Participant
issued

Contributions due are up-to-date
Once per certificate lifetime
Options for self-arrangement or to be done by GETSB can be selected at new
business
Available at the end of 10th certificate year
This benefit is payable from Takaful Operator’s Fund
Compassionate Benefit
Upon death of the Person Covered due to any reason, lump sum
of RM2,000 is payable from Tabarru’ fund

• Upfront payment so long Claimant submits proof of death without a need to
process the death claim first
• Claimant = immediate family member
• The admittance of this benefit does not guarantee that Death Benefit will be
payable
Maturity Benefit
Amount left in PIA
Plus Cash for Performing

Plus Adha Benefit RM500
Hajj/Umrah Benefit RM2K if
(in PIA) if yet to claim
yet to claim

Charges
Varies by attained age next birthday, gender,

Tabarru’ smoker status, occupation class and sum covered.
…deducted at the beginning of each certificate month
Unallocated contributions.
Upfront Charge Consist of agent’s commission and distribution
related expenses.
…deducted upon payment of contribution

Contribution
Contribution

Annually 600 Subject to Underwriting
Half-yearly 300 Subject to Underwriting
Quarterly 150 Subject to Underwriting
Monthly 50 Subject to Underwriting

Mode & Method of Contribution
Payment Mode
Monthly • Giro & Credit Card
• CIMB Clicks
• Maybank2u
• Biro Potongan Angkasa
• Salary Saving Scheme
Quarterly • Giro & Credit Card
• CIMB Clicks
• Maybank2u
Half Yearly • Giro & Credit Card
• CIMB Clicks
• Maybank2u
Annual • Giro & Credit Card
• Cash & Cheque
• CIMB Clicks
• Maybank2u

Allocation Rates
Contribution Term
Year 10 11 12 13 14 15 16 17 18 19 >=20
1 30.0% 30.0% 30.0% 30.0% 30.0% 25.0% 25.0% 25.0% 25.0% 20.0% 20.0%
2 55.0% 55.0% 55.0% 50.0% 45.0% 35.0% 35.0% 35.0% 35.0% 30.0% 30.0%
3 61.0% 61.0% 61.0% 61.0% 55.0% 55.0% 50.0% 50.0% 50.0% 40.0% 40.0%
4 71.0% 71.0% 71.0% 66.0% 66.0% 56.0% 56.0% 56.0% 56.0% 56.0% 50.0%
5 82.0% 82.0% 82.0% 82.0% 77.0% 77.0% 77.0% 77.0% 72.0% 72.0% 67.0%
6 82.0% 82.0% 82.0% 82.0% 82.0% 77.0% 77.0% 77.0% 77.0% 77.0% 72.0%
7 93.0% 88.0% 88.0% 88.0% 88.0% 88.0% 83.0% 83.0% 83.0% 83.0% 78.0%
8 93.0% 93.0% 88.0% 88.0% 88.0% 88.0% 88.0% 88.0% 88.0% 88.0% 83.0%
9 94.0% 94.0% 94.0% 89.0% 89.0% 89.0% 89.0% 89.0% 89.0% 89.0% 84.0%
10 94.0% 94.0% 94.0% 94.0% 94.0% 89.0% 89.0% 89.0% 89.0% 89.0% 84.0%
11 94.0% 94.0% 94.0% 94.0% 89.0% 89.0% 89.0% 89.0% 89.0% 89.0%
12 94.0% 94.0% 94.0% 89.0% 89.0% 89.0% 89.0% 89.0% 89.0%
13 94.0% 94.0% 94.0% 94.0% 94.0% 94.0% 94.0% 89.0%
14 94.0% 94.0% 94.0% 94.0% 94.0% 94.0% 89.0%
15 94.0% 94.0% 94.0% 94.0% 94.0% 89.0%
16 95.0% 95.0% 95.0% 95.0% 95.0%
17 95.0% 95.0% 95.0% 95.0%
18 95.0% 95.0% 95.0%
19 95.0% 95.0%
>=20 95.0%

Minimum Maximum
Age at Entry 30 days old attained age 60 years next birthday
50 years or ANB 70;

Benefit Term 10 years
whichever earlier
Sum Covered RM10K Subject to Underwriting

Other Product Features
Applicable
Increase in Sum Decrease in Sum Cash Surrender Value –

Covered Covered Amount left in PIA
Third Party Reinstatement

Nomination Free-look Period
Certificate 3 years
Not Applicable
Partial Withdrawal / Paid-up Values / Extended Term Takaful /

Option to Participate in New Certificate / Large Sum Covered
Discount

Basic Commission
Term
Contribution
Year 10 11 12 13 14 15 16 17 18 19 >=20
1 17.50% 19.30% 21.00% 22.80% 24.50% 26.30% 28.00% 29.80% 31.50% 33.30% 35.00%
2 12.50% 13.80% 15.00% 16.30% 17.50% 18.80% 20.00% 21.30% 22.50% 23.80% 25.00%
3 7.50% 8.20% 9.00% 9.70% 10.50% 11.20% 12.00% 12.70% 13.50% 14.20% 15.00%
4 7.50% 8.20% 9.00% 9.70% 10.50% 11.20% 12.00% 12.70% 13.50% 14.20% 15.00%
5 5.00% 5.50% 6.00% 6.50% 7.00% 7.50% 8.00% 8.50% 9.00% 9.50% 10.00%
6 5.00% 5.50% 6.00% 6.50% 7.00% 7.50% 8.00% 8.50% 9.00% 9.50% 10.00%
>=7 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%

Overriding Commission
Term
Contribution
Year
10 11 12 13 14 15 16 17 18 19 >=20
1 10.00% 11.00% 12.00% 13.00% 14.00% 15.00% 16.00% 17.00% 18.00% 19.00% 20.00%
2 5.00% 5.50% 6.00% 6.50% 7.00% 7.50% 8.00% 8.50% 9.00% 9.50% 10.00%
3 3.00% 3.30% 3.60% 3.90% 4.20% 4.50% 4.80% 5.10% 5.40% 5.70% 6.00%
4 2.50% 2.80% 3.00% 3.30% 3.50% 3.80% 4.00% 4.30% 4.50% 4.80% 5.00%
5 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
6 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
>=7 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%

Medical Riders

i-Hospitalisation Benefits (i-HB)
Hospitalisatio Daily cash benefit is payable for each day of

n due to admission in normal ward.
illness or Double daily cash benefit is payable for
accidental each day of admission in Intensive Care
injury Unit.
Waiting Period:
Hospitalisatio
30 days for illness
n due to
Limit: illness or
150 days per certificate year accidental
500 days per lifetime injury

i-Hospitalisation Benefits (i-HB)
Limit Daily Cash Benefit (RM)

Minimum 50
Maximum 500
Age Next Birthday on certificate Normal Ward Intensive Care Unit

anniversary preceding occurrence of (% per daily cash (% per daily cash
a valid claim event benefit purchased) benefit purchased)
1 50% 100%
2 75% 150%
3 - 80 100% 200%

Entry Age
Minimum: 30 days attained age
Maximum: 60 years old next birthday
Maximum age at renewal: 79 years old next birthday

Maximum expiry age: 80 years old next birthday
Term
Age: 80 years old next birthday minus age at entry

i-Medik
Provides coverage for medical expenses

1 due to illness, accidental injury or any
other covered eventuality
Coverage starts
Coverage starts after 30
immediately for
2 accidental injury
days for illnesses 5
Covers specified Medical coverage whilst

overseas for 90 days 6
3 illnesses after 120 days
consecutively
Room and Board rates Supreme Assist whilst

4 RM100, RM150, RM200, overseas for 120 days 7
RM300, RM400 consecutively

Plan Benefits
i-M100 i-M150 i-M200 i-M300 i-M400

No. Covered Benefits
(RM) (RM) (RM) (RM) (RM)
1 Hospital Daily Room & Board 100 150 200 300 400
(Limit per day, subject to 180 days As charged, subject to the limit stated above.
per certificate year for Items (1)
and (2) in aggregate).
2 Intensive Care Unit (ICU) As charged.

(Subject to a maximum of 180
days per certificate year for Items
(1) and (2) in aggregate).

Plan Benefits
i-M100 i-M150 i-M200 i-M300 i-M400
3 Hospital Supplies and Services As charged.
4 Surgical Fees
Reimbursement of Reasonable and Customary
5 Operating Theatre charges which is consistent with those usually
charged to a ward or room and board
6 Anaesthetist Fees
accommodation which is approximate to and
7 In-hospital Physician Visit (2 visits per day) within the daily limit of the amount stated in
Hospital Room and Board benefit under the plan
8 Pre-Hospitalisation Diagnostic Tests covered.
(within 60 days before hospitalisation)
9 Pre-Hospitalisation Specialist Consultation Subject to 10% cotakaful, up to a maximum of
RM500.
(within 60 days before hospitalisation)
10 Post-Hospitalisation Treatment If there is an upgrade of Hospital Room and
(within 90 days after hospital discharge) Board, the following shall apply:
11 Organ Transplant 20% cotakaful with no maximum cap for i-M100

& i-M150 plans, or
12 Ambulance Fees 20% cotakaful with a maximum cap of RM3,000
13 Day Surgery for i-M200, i-M300 and i-M400 plans.
Plan Benefits
i-M100 i-M150 i-M200 i-M300 i-M400
14 Outpatient Cancer Treatment As charged.
15 Outpatient Kidney Dialysis Subject to 10% cotakaful.

16 Emergency Accidental Outpatient
Treatment (Limit per certificate year,
2,000 3,000 4,000 6,000 8,000
subject to a maximum 30 days from
the date of accident)
17 Daily Cash Allowance at Malaysian
Government Hospital
50
(Per day, subject to a maximum 120
days per certificate year)
18 Initial Overall Annual Limit
Items (1) to (17) 60,000 90,000 120,000 160,000 200,000
(Based on paid amount)
19 Increase to Initial Overall Annual Limit
6,000 9,000 12,000 16,000 20,000
(at the end of every 3rd cert year)

Plan Benefits
i-M100 i-M150 i-M200 i-M300 i-M400

20 Overall Annual Limit for Total of Initial Overall Annual Limit and any cumulative
Items (1) to (17) increase to Initial Overall Annual Limit
21 Overall Persontime Limit for
Items (1) to (17) 600,000 900,000 1,200,000 1,600,000 2,000,000
(Based on paid amount)
22 Accidental Death Benefit 10,000 10,000 15,000 20,000 20,000
23 Supreme Assist
In accordance with the benefit provisions in
(Emergency Medical
Supreme Assist agreement.
Assistance Services)
24 Car Assistance Program In accordance with the benefit provisions in Car Assistance
Programme agreement.

Entry Age
Minimum: 30 days attained age
Maximum: 60 years old next birthday for R&B 100 and
R&B 150
Maximum: 65 years old next birthday for R&B 200, R&B
300 and R&B 400
Term
Maximum age at renewal: 79 years old next birthday
Maximum expiry age: 80 years old next birthday

Enhancement to i-Medik
Application of this enhanced benefit shall be based on hospital admission date
which cut off at 2nd January 2013
Claim of cotakaful and/or deductible of

1 other medical plans of other companies or
within the Takaful Operator from i-M.
2 Increase to the Overall Lifetime Limit.
3 Expanded list of Day Surgery, Outpatient

Cancer Treatment, End Stage Kidney Failure
Medical reimbursements provided under this rider shall commence for:

Illness occurring more than 30 days after the rider effective date; or
Accidental injury occurring after the rider effective date.
Enhancement #1
Scenario 1:
Mr. A of attained age 30 next birthday bought i-M200. He also has a medical plan R&B 200 with Z
Company. Mr. A is admitted to hospital and he stayed in R&B 200 for 3 days. He has incurred a
total medical expenses of RM5,000, where RM600 of it is R&B charge.
Action Amount Paid By Company Amount Paid By Mr. A
Mr. A claims his medical expenses (RM200 X 3) + (RM4,400 X RM4,400 X 10% = RM440
of RM5,000 to Z Company’s 90%) = RM600 + RM3,960
medical plan. = RM4,560
The claim of RM4,400 is subject to
10% cotakaful.
Mr. A further makes the claim of RM440 X 90% = RM 396 RM440 X 10% = RM 44
RM440 co-takaful to i-M plan.
Under i-M, the claim is subject to
10% cotakaful.
Thus, Mr. A only has to pay RM44.

Enhancement #1
Participate R&B 200

with Z
in i-M200
Company
Mr. A is admitted to hospital and he

Mr. A, age 30 years old, He also has a medical
stayed in R&B 200 for 3 days, with a
choose to participate in plan R&B 200 with Z
total medical expenses of RM5,000,
i-M200. Company.
where RM600 of it is R&B charge.
Amount paid by Z Company:

Mr. A further Amount paid by GETSB:
(RM200 X 3) + (RM4,400 X 90%) makes the claim
Mr. A claims his RM440 X 90% = RM 396
= RM600 + RM3,960 of RM440 co-
medical
= RM4,560 takaful to i-M
expenses to Z
plan. Under i-M,
Company’s Amount paid by Mr. A
Amount paid by Mr. A the claim is
medical plan.
subject to 10%
cotakaful. RM440 X 10% = RM 44
RM4,400 X 10% = RM440

Enhancement #1
Scenario 2:
Company. Mr. A is admitted to hospital and he stayed in R&B 300 for 3 days. He has incurred a total
medical expenses of RM5,000, where RM900 of it is R&B charge.
Mr. A claims his medical expenses of

RM5,000 to Z Company’s medical plan. (RM200 X 3) + (RM4,100 (RM100 X 3) + (RM4,100
The claim of RM4,100 is subject to 10% X 90%) = RM600 + X 10%) = RM300 +RM410
cotakaful and Mr. A has to pay the RM3,690 = RM710
excess R&B charges. = RM4,290
Mr. A further makes the claim of RM710

to i-M plan. Under (RM100 X 3) + (RM410 X RM410 X 10% = RM 41
i-M200, the R&B is not exceeded as Mr. 90%)
A only makes the claim of RM300 of = RM300 + RM369
the R&B for 3 days (RM100 per day) to = RM669
i-M plan. The claim of RM410 is subject
to 10% cotakaful.

Enhancement #1
Scenario 3:
Company. Mr. A is admitted to hospital and he stayed in R&B 500 for 3 days. He has incurred a total
medical expenses of RM5,000, where RM1,500 of it is R&B charge.
Mr. A claims his medical expenses of (RM200 X 3) + (RM3,500 X (RM300 X 3) +

RM5,000 to Z Company’s medical plan. 90%) (RM3,500X 10%) = RM900
The claim of RM3,500 is subject to 10% = RM600 + RM3,150 + RM350
cotakaful and Mr. A has to pay the = RM3,750 = RM1,250
excess R&B charges.
Mr. A further makes the claim of RM1,250

to i-M plan. Under i-M200, the R&B is (RM200 X 3) + (RM350 X (RM100 X 3) + (RM350X
exceeded as Mr. A makes the claim of 80%) 20%)
RM900 of the R&B for 3 days (RM300 = RM600 + RM280 = RM300 + RM70
per day) to i-M plan. The claim of RM350 = RM880 = RM370
is subject to 20% cotakaful as hospital
R&B had exceeded i-M’s R&B.

Enhancement #1
Application of this enhanced benefit shall base on hospital admission date which
cut off at 2nd January 2013.
Is Cotakaful and/or Deductible of Other

Hospital Admission Claim Submission Medical Plans of Other Companies or
Scenario
Date Date within the Takaful Operator
Claimable from i-M?
1 11 May 2012 20 December 2012 Not Claimable

2 11 September 2012 2 January 2013 Not Claimable
3 20 October 2012 20 January 2013 Not Claimable
4 2 January 2013 2 January 2013 Claimable
5 2 January 2013 20 February 2013 Claimable

Enhancement #2
i-M100 i-M150 i-M200 i-M300 i-M400
Initial Overall
60,000 90,000 120,000 160,000 200,000
Annual Limit
Overall
480,000
600,000 720,000
900,000 960,000
1,200,000 1,280,000
1,600,000 1,600,000
2,000,000
Lifetime Limit

Enhancement #3
Current List
1. Cataract Removal
2. Colonoscopy
3. Extra corporeal Shock Wave Lithotripsy
4. Laparoscopy
5. Laryngoscopy
6. Reduction of Nasal Fracture
7. Release of Carpal Tunnel

Enhancement #3
1) Adenoidectomy
2) Bone Marrow Aspiration and Biopsy
3) Cataract removal
4) Colonoscopy
5) Cystourethroscopy
6) Endolaser Venous Surgery
7) Endoscopic Retrograde Cholangiopancreatography
8) Excision of Bunions
9) Excision of Ganglion, Fibroma(s) and Breast Lump(s)
10) Excision of Pterygium
11) Extra corporeal Shock Wave Lithotripsy 14) Laparoscopic Endometrial Ablation
12) Herniotomy/Herniorapphy 15) Laparoscopy
13) Insertion or Removal of Ureteric J-Stent8 16) Laryngoscopy
17) Laser Photocoagulation treatment for Retinal Detachment
18) Marsupialisation and drainage of Bartholin’s Cysts
19) Myringotomy or Myringoplasty
20) Reduction of Bone Fracture(s)
21) Release of Carpal Tunnel (Carpal Tunnel Decompression)
22) Release of Dupuytren’s contracture
23) Removal of Cervical Polyps
24) Removal of Nasal Polyps
25) Removal of Plate and Screw/Implants
26) Rubber Banding of Haemorrhoids

Dread Disease/Critical Illness Riders

Critical Illness Benefit Rider (i-CIBR)
Upon occurrence of any one of 36 Critical Illnesses to the Person Covered, rider
sum covered from the Tabarru’ Fund, in one lump sum, except for Angioplasty
and Other Invasive Treatments for Major Coronary Artery Disease whereby the
claim payout is subject to a maximum of RM25,000 per life or 10% of rider sum
covered, whichever is lower: The Basic Sum Covered will then be reduced by
the amount paid.
After the claim on Angioplasty and Other Invasive Treatments for Major
Coronary Artery Disease, the Basic Sum Covered and the rider sum covered will
be reduced accordingly. In addition, the claim on 35 Critical Illnesses will still be
allowed, subject to the balance amount of the rider sum covered.
If the reduced Basic Sum Covered is zero, then the certificate owner has the
option of surrendering the Total Account Value (TAV) or leaves it with the
Takaful Operator (provided that i-Provider on DD Rider (AA03) or i-Provider
Plus Rider (A405) is attached).

Critical Illness Benefit Rider (i-CIBR)
30/60 days
Standard waiting period Maximum DD
Child Lien depending on limit RM1 million
applies the type of per person
critical illnesses

List of Critical Illnesses
Heart Diseases
1. Heart Valve Surgery
2. Primary Pulmonary Arterial Hypertension
3. Severe Cardiomyopathy
4. Surgery to Aorta
5. Angioplasty And Other Invasive Treatments for
Major Coronary Artery Disease*#
6. Coronary Artery By - Pass Surgery*
7. Heart Attack*
8. Other Serious Coronary Artery Disease*
*60 days waiting period

#Only 10% of Sum Covered is payable, subject to a maximum of RM25, 000 per life across all distribution channels.

1. Benign Brain Tumor

2. Brain Surgery Brain Diseases
3. Coma
4. Motor Neuron Disease
5. Muscular Dystrophy
6. Paralysis/Paraplegia
7. Stroke
8. Encephalitis
9. Bacterial Meningitis
10. Parkinson’s Disease
11. Alzheimer’s Disease/Irreversible Organic Degenerative Brain Disorder
12. Multiple Sclerosis
13. Major Head Trauma

Chronic Diseases
1. Cancer*
2. End Stage Kidney Failure
3. End Stage Liver Failure
4. End Stage Lung Disease
5. Chronic Aplastic Anaemia
6. Major Organ/Bone Marrow Transplant
7. Fulminant Viral Hepatitis
8. Full Blown AIDS
9. HIV due to Blood Transfusion
10. Systemic Lupus Erythematosus with Lupus Nephritis
*60 days waiting period

Others
1. Blindness/Total Loss of Sight
2. Deafness/Loss of Hearing
3. Loss of Speech
4. Loss of Independent Existence
5. Major Burns

Sample Case
Example:
Basic Sum Covered RM100K and i-CIBR Sum Covered RM100K
Upon a valid CI claim at age 10:

• RM100K is payable and basic sum covered will be reduced by RM100K.
• Both the rider and basic plans will be terminated.

•Minimum: 30 days attained age

Entry Age •Maximum: 65 years next birthday
•Minimum: 1 year
Term •Maximum: Contribution payment term of the
basic plan
•Minimum: RM12K
Sum •Maximum: Basic Sum Covered or RM1mil,
Covered whichever lower, subject to
underwriting

i-Early Payout Critical Care Rider (i-EPCC)
Cancer
Mastectomy due
to Carcinoma-in-situ
Prostatectomy EXCLUSIONS
under current 36
Carcinoma-in-situ CI coverage
Prostate Cancer (Stage 1)
Papillary micro-carcinoma
of Thyroid & Bladder

Heart
Attack
Insertion of
defibrillator
EXCLUSIONS
under current 36
Insertion of permanent
CI coverage
Pacemaker
Pericardectomy
Keyhole cardiac surgery

Stroke
Endarterectomy of
Carotid artery
EXCLUSIONS
under current 36
CI coverage
Intracranial aneurysm
Arterio-venous malformation

Plan Descriptions
This rider pays multiple claims across

Attachable to IL Family Takaful Plan
different critical illness / same critical
provided that i-Critical Illness Benefit
illness based on different severity
Rider (i-CIBR) is also attached.
level.
Plan
Description
The sum covered for this rider must
The term for this rider is up to age 70
be the same as i-CIBR
Basic
Upon CI
Claim i-EPCC Accelerates i-CIBR Accelerates Sum
Covered

Plan Benefits
No Critical Illness Severity 10 Severity 25 Severity 50
Payout 10% of the Sum Payout 25% of the Sum Payout 50% of the
Covered Covered Sum Covered
Critical Illnesses with 1 Severity Level
1 Coronary Artery Disease 10% of Sum Covered, N/A N/A
Requiring Surgery up to the Benefit Limit
(Angioplasty and other of RM 25,000 per
Invasive Treatments for Person Covered
Coronary Artery Disease)
2 Benign Brain Tumour N/A 25% of Sum Covered, up
to the Benefit Limit of
3 Heart Valve Replacement
RM 50,000 per Person
4 Surgery To Aorta Covered
5 Kidney Failure 25% of Sum Covered per

Person Covered
6 Major Burns
7 Major Head Trauma
8 Major Organ Transplant
9 Paralysis/ Paraplegia
10 Parkinson’s Disease
Plan Benefits
No Critical Illness Severity 10 Severity 25 Severity 50
Payout 10% of the Sum Payout 25% of the Payout 50% of the
Covered Sum Covered Sum Covered
Critical Illnesses with 2 Severity Levels
11 Cancer N/A 25 % of Sum Covered, 50% of Sum Covered up to
up to the Benefit the Benefit Limit of RM
Limit of RM 50,000 100,000 per Person
per Person Covered Covered
12 Blindness 50% of Sum Covered per
Person Covered
13 Chronic Liver Disease
14 Heart Attack
15 Loss of Hearing/ Deafness
16 Other Serious Coronary Artery

Disease
17 Chronic Lung Disease 25% of Sum Covered
per Person Covered
18 Coma
19 Primary Pulmonary Arterial
Hypertension
20 Stroke
Why Severity Levels
• Focus on highly severed illnesses

• ‘All or nothing’ approach
Critical • Benefit terminates upon claim
Illnesses
Medium Severity • Less severe conditions

Level
• Conditions that develop over time
• Change in disease detection
Lower Severity • Allow multiple claims

Level

10 conditions 19 conditions
covered at 50% covered at 25%
36 conditions
covered at 100%
(Critical Illness
More 1 condition
covered at 10%
Benefit Rider) Coverag
e with
i-EPCC

Multiple claims for
different critical
illness
Multipl
e Multiple claims
for different
Up to 100% of
Sum Covered claims severity levels
within the same
possibl critical illness
e
Highest benefit
payable for each
underlying
condition

How It Works
Claim payout
(% of CI Sum Covered)
100% claim
from IL CIBR
50%
25%
10%
Low Severity Medium Severity High Severity
Severity Level of Critical Illness Condition

How It Works
Cancer 100% of sum covered
Mastectomy due 50% of sum covered up to the

to Carcinoma-in-situ Benefit Limit of RM 100,000
Prostatectomy
Carcinoma-in-situ 25% of sum covered up to

Prostate Cancer (Stage 1) the Benefit Limit of RM
Papillary microcarcinama 50,000
of Thyroid & Bladder

How It Works
Heart 100% of sum covered

Attack
Insertion of
defibrillator 50% of sum covered
Insertion of permanent 25% of sum covered up to

Pacemaker the Benefit Limit of RM
Pericardectomy 50,000
Keyhole cardiac surgery

How It Works
Stroke 100% of sum covered
Endarterectomy of 50% of sum covered

Carotid artery
Intracranial aneurysm 25% of sum covered

Arterio-venous malformation

Sample Claim Scenario 1
Basic Sum Covered = 500K, CIBR = 300K, i-EPCC = 300K
1st Pays the min of (25% of

Admitted Cancer, claim at
Claim Severity 25
Sum Covered, benefit
limit of 50K)
(Cancer Severity 25 has a
for i- benefit limit of RM50K)
= min of (25%*300K, 50K)
= 50K
EPCC
Tabarru’ Charges Coverage
Plan SC before SC after 1st Plan SC before SC after 1st

claim (RM) claim (RM) claim (RM) claim (RM)
Basic 500K 450K Basic 500K 450K
CIBR 300K 250K CIBR 300K 250K
EPCC 300K 300K EPCC 300K 250K

2nd Admitted Cancer,

Pays the min of (50% of Sum Covered, benefit
limit of RM100K) less any previous admitted
Claim claim at Severity 50
(Cancer Severity 50
claims of same CI (i.e. RM50K for the 1st Claim
of Cancer Severity 25) =
for i- has a benefit limit of
min of (50%*RM300K, RM100K) – RM50K =
RM100K)
EPCC RM50K
Plan SC before SC after 1st SC after Plan SC before SC after 1st SC after
claim claim (RM) 2nd claim claim claim (RM) 2nd claim
(RM) (RM) (RM) (RM)
Basic 500K 450K 400K Basic 500K 450K 400K
CIBR 300K 250K 200K CIBR 300K 250K 200K
EPCC 300K 300K 300K EPCC 300K 250K 200K

3rd
Admitted Heart Pays the 50% of Sum Covered less any
Claim Attack previous admitted claims of same CI
= 50%* RM 300K – 0
for i- claim at Severity 50 = RM 150K
EPCC
Plan SC SC after SC after SC after Plan SC SC SC after SC after

before 1st claim 2nd claim 3rd claim before after 1st 2nd 3rd
claim (RM) (RM) (RM) claim claim claim claim
Basic 500K 450K 400K 250K Basic 500K 450K 400K 250K
CIBR 300K 250K 200K 50K CIBR 300K 250K 200K 50K
EPCC 300K 300K 300K 300K EPCC 300K 250K 200K 50K

4th Admitted Coronary Artery Disease Pays the min of (10% of Sum
Claim Requiring Surgery, claim at Severity 10
(Coronary Artery Disease Requiring
Covered, benefit limit of
RM25,000)
for i- Surgery Severity 10 has a benefit limit of = min of (10%*RM300K, RM25K)
RM25K) = RM25K
EPCC
Plan SC SC SC SC SC Plan SC SC SC SC SC
before after after after after before after after after after
claim 1st 2nd 3rd 4th claim 1st 2nd 3rd 4th
(RM) claim claim claim claim (RM) claim claim claim claim
(RM) (RM) (RM) (RM) (RM) (RM) (RM) (RM)
Basic 500K 450K 400K 250K 225K Basic 500K 450K 400K 250K 225K
CIBR 300K 250K 200K 50K 25K CIBR 300K 250K 200K 50K 25K
EPCC 300K 300K 300K 300K 300K EPCC 300K 250K 200K 50K 25K

Summary of Sample Claim Scenarios
After the 4th Claim for i-EPCC

Basic Sum Covered = 225K
CIBR Sum Covered = 25K
EPCC Sum Covered = 25K
The basic plan and attaching riders will continue for other claims
Except for :
• Cancer severity 25 and severity 50
• Heart Attack severity 25 and 50
• Coronary Artery By-Pass Surgery Severity 10
• Other related CI conditions as specified in the certificate contract

Waiting Period
Waiting Period: Waiting Period: Waiting Period:

30 days 60 days 120 days
• Blindness / Total Loss Of • Heart Attack • Cancer
Sight • Other Serious Coronary
• Stroke Artery Disease
• Coma • Primary Pulmonary Arterial
• End Stage Lung Disease Hypertension
• End Stage Liver Failure • Loss of Hearing / Deafness
• Major Organ / Bone Marrow • Angioplasty And Other
Transplant Invasive Treatments for
• End Stage Kidney Failure Major Coronary Artery
• Paralysis / Paraplegia Disease
• Major Head Trauma • Heart Valve Replacement
• Major Burns • Surgery to Aorta
• Benign Brain Tumour
• Parkinson’s Disease

Provider Riders

•i-Provider on Dread Disease (i-PDD)
•i-Provider on Total and Permanent
Disability (i-PTPD)
•i-Provider Plus (i-PP)

Plan Benefits
• Dread Disease
i-PDD • Person Covered diagnosed with DD before expiry date
and before age 99 next birthday All future
Designated
• TPD Contribution
i-PTPD • Person Covered is TPD before expiry date and before age due will be
70 next birthday payable from
the Tabarru’
fund and
• Dread Disease credited by
• Person Covered diagnosed with DD expiry date and Takaful
before age 99 next birthday; or
i-PP Operator into
• TPD
each fund(s)
• Person Covered is TPD before expiry date and
before age 70 next birthday chosen

i-PDD and i-PP

Tabarru’ •Minimum: 5 years

Term and •Maximum: the lower of
(99 minus Person Covered’s age next
Benefit birthday at entry of this rider,
Term outstanding term of the basic plan)

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Contributor Riders

• i-Contributor Benefit (i-CB)
• i-Contributor Benefit Plus (i-CBP)

Plan Benefits
• Death and TPD All future

• Contributor dies before expiry date and before age Designated
i-CB 99 next birthday; or Contribution
• Contributor is TPD before expiry date and before due will be
age 70 next birthday
payable from
the Tabarru’
fund and
credited by
• Death, TPD and DD Takaful
• Contributor dies or diagnosed with DD before expiry Operator into
i-CBP date and before age 99 next birthday; or each fund(s)
• Contributor is TPD before expiry date and before chosen
age 70 next birthday

•Minimum: 19 years next birthday

Tabarru’
Term and •Minimum: 5 years (2 years for Education Plan, if
Benefit the child is the nominee. If the child
Term (for is the Person Covered, rider’s term
must equal to basic term)
IL Family •Maximum: the lower of
Takaful (99 minus Person Covered’s age
that next birthday at entry of this rider,
outstanding term of the basic plan)
matures at
age 99)

Accident Riders

i-Accidental Medical Reimbursement
Rider (i-AMR)
Provides coverage in the event of injury caused solely

and directly from accident including accidents arising
from assault, murder, riot, hijacking, kidnapping and
civil commotion.
Attachable to investment-linked family takaful basic

plan when i-Accidental Death and Dismemberment
Benefit Rider (i-ADD) or i-Hospitalisation Benefit
Rider (i-HB) is also attached.

i-Accidental Medical Reimbursement
Rider (i-AMR)
Medical Expenses
Reimbursement of medical expenses

incurred for surgical, hospital, clinic or
nursing home services.
Subject to the medical expenses incurred

up to 100% of sum covered or twenty-five
(25) weeks, whichever is lesser, per
accident
Confined in a Malaysian Government Hospital
Weekly payment of RM10 per RM1,00o sum

covered for the period of hospitalisation or
twenty-five (25) weeks, whichever is lesser,
per accident.

Entry Age:
Minimum 30 days. Maximum 60 years
old next birthday.
Renewal Age:
Maximum 69 years old next birthday.
Expiry Age:
Maximum 70 years old next birthday.
Term:
Age 70 years next birthday minus
entry age.
Available Sum Covered:

2K, 3K, 4K, 5K, 6K, 7K, 8K, 9K and 10K.

i-Accidental Death & Dismemberment
(i-ADD)
Accidental
death benefit
Death at the
Increase in
public
Sum Covered
conveyance
i-ADD
Compassionat Accidental
e Allowance TPD
Accidental
injury /
dismemberme
nt


•Maximum: 60 years next birthday
Entry Age •Maximum age
at renewal: 69 years next birthday
•Maximum expiry age: 70 year next birthday
Term •Age 70 years next birthday minus age at entry
•Minimum: RM20K
Sum •Maximum: RM1mil or 5 times the basic sum
Covered covered, whichever lower, subject
to underwriting

i-Comprehensive Accident Benefits Xtra
(i-CABX)
Provides coverage in the event of death or injury caused solely

and directly from accident including accidents arising from
assault, murder, riot, hijacking, kidnapping and civil
commotion
Attachable to investment-linked family takaful basic plan

Plan Benefits
Accidental
Death Accidental
Increase in Sum
Death at Public
Covered
Conveyance
Compassionate
Allowance Plan Accidental TPD
Bene
Confined in
Malaysian fits Accidental
Government Injury
Hospital
Reimbursement
Temporary
of Medical
Total Disability
Expenses Temporary
Partial Disability

Renewal Sum
Entry Age Expiry Age Term
Age Covered
- Minimum - Minimum
17 years 10K
next Age 70
Maximum Maximum - Maximum
birthday years next
69 years 70 years 1mil or 5
birthday
- Maximum next next times of the
minus entry
60 years birthday birthday BSC,
age
next whichever
birthday is lower

Disability Income Rider

i-Great Income Rider (i-GI)

Sample Claim Scenario
Person Covered age 30,

Rider Sum Covered 150K
Receive 15K (10% of 150K) yearly until age 70
Claim at Receive a total of 510K

age 35 (15K*34 years)

Entry Age Term Sum Covered
- Minimum 15K
- Maximum 500K
- Minimum 19 years (per person) subject
next birthday Age 70 years next
birthday minus entry to the annual benefit
- Maximum 55 years age cannot exceed 75%
next birthday of the earn income
of the covered
person


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Dread Disease/Critical Illness Rider

Other Rider – Disability Income Rider

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Dread Disease/Critical Illness Rider

Other Rider – Disability Income Rider

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*After a suitable amount is held back for contingency purposes

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RM6 per month for all modes of payment

…deducted at the beginning of each certificate month

Fund Management Dana i-Mekar = 1.45%

…deducted upon NAV calculation

…deducted upon payment of contribution

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Dana i-Mekar Dana i-Mekar

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Dana i-Makmur Minimum amount cancelled to

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Dana i-Mekar Single Contribution Top Up

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Mode of Payment Minimum Increment

Contribution Annually 240

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Golden Age Enhancer

Only for i-Great Damai

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Live life Enjoy the finer

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Total Account Value (TAV)

* Standard Child Lien applies

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100% TAV from PUA (if any) payable in

Standard Child Lien applies for TPD before

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Bereavement Benefit Conditions

100% TAV (if any) of PUA is payable in one

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Free Look Third Party

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Contribution Due and Paid Upfront Charge (%)

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Contribution Due and Paid Allocation Rate %

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Basic Investment Contribution (BIC)

Mode of Payment Minimum (RM) Maximum

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Single Contribution Top-up/Balancer

Year of Contribution Paid Basic Commission Overriding Commission

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Protection that builds

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