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ALL RISKS TAKAFUL SCHEME
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Personal individual or business owner with the intention to get takaful coverage on business or non-business related items or equipments should consider the benefit of participating in this plan. The cover afforded by this plan is very wide and encompasses any accident or misfortune not expressly excluded.
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Because of its very wide and general behavior, it is very vulnarable to fraudulent claim, hence the need to specifically define the items to be covered.
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Please check with our personnel for detailed information at your nearest Takaful Malaysia office.
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BUGLARY TAKAFUL SCHEME
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A plan that provides cover against loss of or damage to the subject matter due to theft whilst contained in the business or trade premises. This plan will also cover the damage to your premises due to forcible entry or exit accompanied the event of theft.
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However, you as the business owner should already have participated in our Fire Takaful Plan before applying for this plan.
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BUSINESS INTERRUPTION (LOSS OF PROFIT)
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This plan is designed to complement our Fire Takaful Plan's limitation. The plan provides indemnity in the event of loss of the following :
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- Net profit.
- Standing charges i.e. expenses which continue to exist as usual level even though business had been interrupted due to the destruction or damage of premise, machinery or plant by fire e.g. Motor Vehicle expense, Depreciation etc.
- Increased cost of working e.g overtime, rental of alternative premises or machinery etc.
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EMPLOYER'S LIABILITY TAKAFUL SCHEME
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Similar to the WORKMEN'S COMPENSATION TAKAFUL PLAN, liability may be attached to you as an employer should injury or disease caused by accident to your employee occured during the course of employment.
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For categories of emplyee not protected by the WORKMEN'S COMPENSATION ACT'S or SOCSO, liability at law would still exist and you may obtain indemnity under the EMPLOYER'S LIABILITY TAKAFUL PLAN.
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FIDELITY GUANRANTEE TAKAFUL SCHEME
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In the normal course of business transaction, you as an employer invariably has to entrust money, securities, goods etc to your employee or delegate monetary responsability to the employee. In the event that employee is dishonest, you would most certainly suffer financial loss. To protect this from happening, this is the plan for you. Minimum takaful contribution is RM100.
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FOREIGN WORKER COMPENSATION TAKAFUL SCHEME
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This plan is definitely for you if you are an employer with foreign workers working under your administration. Under the plan, foreign workers will be financially compensated in the events of accident resulting in death or bodily injury.
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In addition, the plan also provides coverage for Repatriation Expenses and Personal Accidents outside working hours.
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GROUP FAMILY TAKAFUL PLAN (CREDIT FACILITY)
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- Provides cover to a group of borrowers under a common single master Takaful Certificate.
- With this plan, financier such as banks, cooperative loan society or finance company would be able to protect its financial interest on credit facility granted to its client in the event of non-repayment due to sudden death or permanent total disability of the client.
- Cover provided is meant for short-term credit only usually less than 5 years or less.
- Similar to Mortgage Takaful Plan
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GROUP PERSONAL ACCIDENT
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Derived from our PERSONAL ACCIDENT PLAN, we have come out with a product, GROUP PERSONAL ACCIDENT TAKAFUL PLAN, to cater for the different needs and demands of the market. This plan compensates a group of individuals including yourself should you suffer bodily injury caused by violent, accidental, external and visible means. If the injury results in death or disablement then we will compensate according to the Table of Benefits as outlined in the certificate, This plan is suitable for business or social organization and even for college students,
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For short term coverage of a maximum 31 days, you can opt for our GROUP PERSONAL ACCIDENT TAKAFUL PLAN (SHORT TERM).
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KEYMAN'S TAKAFUL SCHEME
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This plan provides innovative business plan to cater your business firm for any loss of services or earnings due to death or disability of a key officer or other employee. Scopes of cover are death, permanent total disability and personal accident. The proceeds payable upon death or disability of the employee covered will be used to alleviate any loss of revenue prior to the hiring or the recruitment of the services of a worthy successor or substitute.
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MONEY TAKAFUL SCHEME
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Suitable for business owner running high cash transaction, this plan covers against loss of money whilst in transit and also money kept in premises. In the event of the money is lost, destriyed or damaged as a result of theft, Takaful Malaysia will indemnify you in respect of such loss, destruction or damage.
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PEMBERITAHUAN PENTING
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Bermula 30 Jun 2008, Takaful Malaysia dengan kerjasama Bahagian Pinjaman Perumahan (BPP) melancarkan produk baru yang lebih menarik dengan kadar sumbangan yang lebih rendah untuk perlindungan takaful (Gadaijanji & Pemilik Rumah Jangka Panjang) bagi pinjaman perumahan melalui BPP. Selaras dengan pelancaran ini, bagi semua permohonan pinjaman yang didaftarkan bermula 30 Jun 2008, Aqad Gadaijanji adalah seperti yang terdapat pada lampiran Aqad yang telah dipinda.
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Borang dengan lampiran Aqad yang telah dipinda boleh didapati pada Laman Web BPP dan Takaful Malaysia. Sehubungan itu juga, pihak Takaful Malaysia akan menghantar notis pengesahan mengenai perkara ini bersama Siji Penyertaan Pelan Takaful Gadaijanji kepada para peminjam yang memilih Takaful Malaysia.
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SEKIAN, HARAP MAKLUM.
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PROFESSIONAL INDEMNITY/MALPRACTICE
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A plan designed to suit lawyers, architects, engineers, surveyors in accountants etc. for coverage against liability caused by professional malpractice. The plan will cover you or the predecessors in your business or any person employed by you or the predecessors in your business.
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PUBLIC LIABILITY TAKAFUL SCHEME
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This plan is designed to protect you as the owner of your business against your legal liability to pay compensation for accidental bodily injury to or accidental damage to the property of the public caused by or through your negligence or the negligence of your employees. The liability mentioned also includes legal charges and expenses.
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SCHOOL CHILDREN PERSONAL ACCIDENT
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This plan is specially designed for the Ministry of Education to provide cover for all students of government-aided primary and secondary schools. Scope of cover for this plan is as follows :
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- Accidental death.
- Permanent total disability due to accident.
- Severance of LIMB or loss of sight due to accident.
- Funeral expenses.
- Daily cash allowance for hospitalisation.
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Similar to this plan is our RELIGIOUS SCHOOL PERSONAL ACCIDENT TAKAFUL PLAN.
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WORKMEN'S COMPENSATION TAKAFUL SCHEME
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If any of your employees sustain injury because of accidental or disease in the course of emplyment, it is required by law that you provide them compensation. This is why you need our WORKMEN'S COMPENSATION TAKAFUL PLAN, where we will indemnify against all such sums and will be responsible for other related costs and expenses.
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