Death Benefit

Basic Sum Covered plus the cash value of the certificate.

Total and Permanent Disability (TPD) Benefit

Basic Sum Covered plus the cash value of the certificate.

TPD coverage is up to certificate expiry date or the certificate anniversary date of the Covered Person's age 70 next birthday, whichever is earlier.

Female Illness Benefit

Female Cancer or Systemic Lupus Erythematosus (SLE) WIth Severe Kidney Complications
Upon diagnosis, 100% of the Basic Sum Covered and total cash value shall be payable in one lump sum, allowing you to focus on your recovery.

Female Carcinoma-In-Situ (CIS)
Upon diagnosis, 50% of the Basic Sum Covered will be paid to you in one lump sum.

Even though the Basic Sum Covered will be reduced, this amount will revert to 100% of the original sum covered after 6 months from the date of diagnosis, provided that no major events occur within that period.

Female Care Benefit

30% of the Basic Sum Covered will be paid to you upon diagnosis of any one of the following conditions, illness, injury or event:

i) Surgical Repair of Severe Uterine Prolapse
ii) Rheumatoid Arthritis With Complication
iii) Osteoporotic Fracture of The Hip / Vertebra
iv) Facial Reconstructive Surgery due to Accident or Cancer
v) Skin Grafting due to Burns or Skin Cancer
vi) Breast Lumpectomy or Breast Mastectomy due to Female Carcinoma-In-Situ, Cancer or Accident
vii) Breast Reconstructive Surgery Following A Mastectomy due to Female Carcinoma-In-Situ, Cancer or Accident
viii) Surgical Removal of Female Reproductive Organ due to Female Carcinoma-In-Situ, Cancer or Accident

A maximum of two claims are allowed for this benefit, subject to one claim per covered condition.

Mental Care Benefit

Reimbursement of outpatient psychotherapy visitation fees, up to 10% of the Basic Sum Covered or a maximum of RM5,000, when diagnosed with any one of the following Mental Disorder conditions:

i) Major Depressive Disorder
ii) Postpartum Depression
iii) Generalised Anxiety Disorder
iv) Obsessive Compulsive Disorder
v) Bipolar Disorder
vi) Schizophrenia

Do note that a maximum of one claim is allowed for this benefit.

Life Stage Benefit

The Life Stage Benefit provides cash rewards and assistance for the following seven covered life events:

i) Marriage
ii) Buying a Property
iii) Hajj Pilgrimage or Umrah
iv) Postgraduate Education (Master or PhD)
v) Childbirth or Legal Adoption
vi) Death of Spouse
vii) Retirement

For Items i) to v), 3% of the Basic Sum Covered per covered event;

For Items vi) and vii), up to 9% of the Basic Sum Covered.*

*Less any previous Life Stage Benefits claimed under Items i) to v).

The total amount claimable under the Life Stage Benefit is up to a maximum of 9% of the Basic Sum Covered.

Maturity Value

Upon maturity, you will receive total cash value of your certificate.

Attachable Rider

Mom Care

Cancer Protector

Takaful Saver

Ihsan