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To know more about the product features? Please contact our nearest branches, our Takaful Financial Consultants or Customer Service at 1-300 8 TAKAFUL (825 2385). |
| Note: The information provided is for general information only and does not represent the takaful Certificate. |
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Takaful myGenLife  |
| Life is a journey, from your carefree school days to milestone moments like starting your first job, buying a home, marriage and having your first child. Chances are your life is not the same anymore and neither are your financial needs. |
| Introducing Takaful myGenLife, a Shariah-compliant investment-linked family takaful plan which puts you in complete control of your life. With its flexible options, your future is in good hands - giving you the freedom to enjoy a new stress-free look at life. |
| Protection for Your Loved Ones |
| With Takaful myGenLife, you can rest assured knowing that your loved ones will be protected in the unfortunate event of death or Total and Permanent Disability (TPD). A lump sum payment will be payable to ease their financial burden. What’s more, any investment value available will be payable as well. |
| Optional Benefits as an Additional Safety Net |
| Put your worries to rest, as Takaful myGenLife also offers you the choice of adding a wide range of supplementary benefits to enjoy total and comprehensive coverage. |
| Takaful myGen Medic |
Provides comprehensive medical coverage for expenses incurred in the event of hospitalization or outpatient treatment |
| Takaful myGen Critical Illness (Accelerated or Additional) |
Provides protection against 36 critical illnesses |
| Takaful myGen Personal Accident |
Provides comprehensive coverage for death and injuries as a result of accidents |
| Takaful myGen Hospital Cash |
Pays a daily cash income in the event of hospitalization due to all causes |
| Takaful myGen Term |
Provides additional Takaful protection |
| Takaful myGen Saver |
Takaful myGen Saver |
| Takaful myGen Waiver/ Takaful myGen Payor / Takaful myGen Payor Plus |
Pays for your plan’s contribution (except for Takaful myGen Saver) up to age 70 years, in the event of death, TPD or critical illness, where applicable, on behalf of yourself or the payor | |
| Note: For more information on your supplementary benefits, please consult your Takaful agent. |
| Who is eligible to participate? |
| Takaful myGenLife is available to individuals between the ages of 30 days to 70 years old. |
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Takaful myMedicare |
| Your Comprehensive Medical Takaful Plan! |
| Takaful myMedicare is a CASHLESS* hospital and surgical takaful plan that provides comprehensive coverage specially tailored to meet you and your family’s medical needs. By choosing Takaful myMedicare, you will enjoy various benefits & privileges such as: |
- 24-hour worldwide protection
- Hospitalisation and surgical coverage
- Emergency out-patient treatment benefits
- “As charged” coverage for certain major benefits
- Cashless admission to our panel hospitals
- Conditional guaranteed renewable up to a maximum expiry age of 70
- Reasonable Contribution rates for excellent benefits
- Surplus sharing (if any) from the Risk Fund, payable annually
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| * Terms and conditions apply. |
| What are the benefits provided? |
| You have the option to choose from the following plans that best suit your needs: |
| Hospital Room & Board (maximum 200 days per year) |
120 |
180 |
250 |
350 |
| Intensive Care Unit (maximum 60 days per year) |
240 |
360 |
500 |
500 |
Surgical Expenses
- Surgical Fees
- Anaesthetic Fees
- Operating Theatre |
As charged* |
Hospital Expenses & Related Services
- Hospital Supplies & Services
- In-Hospital Physician Visit (1 visit per day)
- Ambulance Fees |
| Pre-Hospitalisation Specialist Consultation |
As charged*
(60 days before hospitalisation) |
| Pre-Hospitalisation Diagnostic Test |
| Child Participant Daily Guardian Benefit (max 200 days per year) |
60 |
90 |
125 |
175 |
| Daily Cash Allowance at Malaysian Government Hospital (max 200 days per year) |
50 |
60 |
75 |
90 |
| Day Surgery |
As charged* |
| Emergency Accidental Out-patient Treatment |
As charged*
(Within 24 hours & follow up treatment up to a max of 30 days) |
| Post-Hospitalisation or Day Surgery Follow up |
As charged*
(Within 60 days after hospital discharge) |
| Out-patient Cancer Treatment (as charged up to specified limit) |
12,500 |
15,000 |
17,500 |
20,000 |
| Out-patient Kidney Dialysis Treatment (as charged up to specified limit) |
40,000 |
50,000 |
60,000 |
70,000 |
| Home Nursing Care |
As charged*
(180 days per lifetime) |
| Government Service Tax |
As charged* |
| Overall Annual Limit |
50,000 |
100,000 |
150,000 |
200,000 |
| Lifetime Limit |
150,000 |
300,000 |
450,000 |
600,000 | |
| * “As charged” coverage is based on Reasonable & Customary Charges, subject to the Overall Annual Limit and Lifetime Limit. |
| Who is eligible to participate? |
| If you are between 30 days old to 59 years old, you are eligible to participate in Takaful myMedicare (subject to underwriting assessment). You may renew the Certificate up to a maxim expiry age of 70 years old. |
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Mortgage Takaful Plan |
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| Peace of mind with assurance that the outstanding balance of your housing loan, credit or house or other property/assets financing facility will be settled in full by Takaful Malaysia upon your untimely death or permanent total disability. |
| Eligible for individual between 18 to 55 years old with a financing/loan facility |
| Your guarantor will be free of any pability from your credit facility or loan |
| Based on the Islamic profit sharing contract of al-Mudharabah, you are entitled to share profit or surplus of the operation based on actuarial valuation of Participant’s Special Accounts of Family Takaful Fund |
| Scope of cover will be death and permanent total disabipty. |
| The contribution payable will be based on amount of loan, repayment period, age at next birthday, rate of profit of loan and interim period. | | |
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Investment Funds |
| Takaful Malaysia offers you a range of investment funds that can help you fulfill your financial & investment objectives. |
| Ihsan Balanced Fund |
To obtain moderate stream of income and consistent capital growth over the medium-to-long term period by investing in a diversified portfolio of investments.
To construct a diversified portfolio containing a “balanced” mixture of equities and fixed income securities. |
At least 10% and a maximum of 40% in Malaysian shares approved by the Shariah Advisory Council of the Securities Commission (SAC);
At least 10% and a maximum of 60% in Islamic Private Debt Securities (IPDS) and Malaysian Government Investment Issues;
The balance in Islamic money market instruments. |
Low / Moderate |
| Irad Dividend Fund |
To provide dividend income in long term through selective investment in high dividend yield shares that provide a minimum annual gross dividend of 4.00% .
To provide capital growth through selective investment in Blue Chips Shares that could potentially provide capital growth in the long run. |
At least 40% and a maximum of 90% in Malaysian shares approved by the SAC;
At least 50% of the equity exposure is in dividend yield shares; and
The balance in Islamic money market instruments. |
Moderate |
| Ihfaz Equity Index Fund |
To provide returns that tracks the performance of FBM Emas Shariah Index. |
90% - 95% in Malaysian shares approved by the SAC; and
The balance in Islamic money market instruments. |
Moderate |
| Istifad Blue Chips Fund |
To provide consistent capital growth in the long run through investment in Shariah Compliant Blue Chips Shares. |
At least 40% and a maximum of 90% in Malaysian shares approved by SAC; and
The balance in Islamic money market instruments. |
Moderate / High |
| Ittihad Growth Fund |
To provide capital growth opportunities and dividend income through selective investment in Shariah approved shares listed in Bursa Malaysia Berhad. |
At least 50% and a maximum of 95% in Malaysian shares approved by the SAC; and
The balance in cash, long and short term Islamic debt securities and other liquid Islamic investments. |
High | |
| You have the flexibility of having different proportion in the investment funds you selected and switch among the funds to suit your investment strategies. |
| The above-mentioned investment funds will be managed by the Investment Division of Syarikat Takaful Malaysia Berhad. The investment team comprises a group of professional portfolio managers and investment research analysts who possess an average cumulative experience of 14 years in fund management and had previously managed more than RM7 billion worth of funds. |
| NOTE*: The selection of investable securities is conducted in a systematic manner where the investment process is governed by internal policies. In addition to that, the systematic investment process is strictly guided by the Company’s Shariah Advisory Body to ensure that the Shariah principles are not compromised in every investment decision made. |
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FirstLife Plan |
| Our FIRST online life plan, exclusively for MasterCard cardholders from as low as RM 155 a year. |
| Please visit www.firstlife.com.my for more information. |
- Exclusive – For MasterCard card members ONLY
- Shariah-Compliant – Underwritten by Syarikat Takaful Malaysia Berhad
- No Medical Examination – Simply answer a few health related questions
- Fast Approval – If qualified
- Min-Max – Affordable rates for generous coverage
- Residual Cash Value
- Satisfaction Guaranteed – 15 days Cooling-off period
- 36 Critical Illnesses Benefit – At your option
- Paperless – Online application & payment.
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