Takaful 3asyCare
The protection shield you need for life’s critical moments.
Every year, more and more Malaysians are diagnosed with critical illnesses. It could happen to anyone at any stage of their lives – an unpleasant event that may leave an emotional and financial impact on you and your loved ones. Takaful 3asyCare is a critical illness plan which provides takaful coverage until the Person Covered reaches age 80.
To give you more financial support, the Special Care Benefit (10% of Basic Sum Covered) will be payable within 1 working day*.
*applicable upon submission of complete set of required documentations before 2pm.
Important Notice on Income Protection Coverage
Income protection – the ability to ensure financial security even in the face of crises such as long-term illness, disability or death – plays a crucial role in our lives and that of our loved ones. Yet, the income protection gap is present in many families, who do not have financial compensation should there be a reduction / loss in household income due unexpected events. To get a quick calculation on how much insurance / takaful coverage can be obtained based on your budget and needs, try out Protection Gap and Budget Calculator.
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Why should I choose this plan?
Let Takaful 3asyCare plan ease your financial burden in times of uncertainty. Receive immediate coverage for the 3 most commonly diagnosed critical illnesses in Malaysia.
Basic Essential Coverage
Our plan covers up to 3 of the most commonly diagnosed critical illnesses – Heart Attack, Stroke, and Cancer.
Coverage Up To Age 80
Get covered up to age 80 with a Basic Sum Covered as high as RM100,000.
More Financial Support
Get additional pay-out with the Special Care Benefit1 claim which is equal to 10% of the Basic Sum Covered.
Quick & Easy
Experience hassle-free application with no medical check-up required and no lengthy questionnaires needed.
Affordable Contribution
Designed to fit your budget, get covered from as low as RM0.50 a day.
Claim Within A Day
Receive the Special Care Benefit claim within one (1) working day2.
Note:
1Special Care Benefit is applicable to non-smoker only.
2Claim within one (1) working day is only applicable upon submission of complete set of required documentations before 2pm.
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What kind of plan and coverage is right for me?
You can select one of the plans below to suit your needs.
Silver Gold Coverage Term Until age 80 Entry Age (age last birthday) Minimum 18 years old
Maximum 50 years oldCritical Illness Covered - Heart Attack
- Stroke
- Heart Attack
- Stroke
- Cancer
Basic Sum Covered Option 1: RM50,000
Option 2: RM100,000Special Care Benefit1 10% of Basic Sum Covered 
If the Person Covered suffers from any of the Critical Illnesses covered, 100% Basic Sum Covered will be payable with additional 10% of Basic Sum Covered as Special Care Benefit1.
Note:
1Special Care Benefit is applicable to non-smoker only.
*applicable upon submission of required documentations before 2pm. -
Who is eligible for this plan?Open to any Malaysian between 18 years old to 50 years old (age last birthday).
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How do I make a nomination?To nominate your beneficiaries, please fill in the Nomination Form and submit the form at your nearest Zurich branch.
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How do I make a claim?
Step 1
Prepare the required documents as stated below.
Step 2
Complete the required form(s) and get your attending doctor to complete the required Physician’s Statement form (if applicable).
Step 3
Ensure all the required documents are complete and submit them at your nearest Zurich branch.
A. Compulsory documents:
1. Claimant’s Statement Form
2. CTC of Claimant’s NRIC / Passport / Residence card
3. Confidential Medical Questionnaire (Download ONE of the following forms which is applicable to your illness)
4. CTC of relevant Diagnostic Imaging / Post-Surgical Report
5. CTC of Histopathology / Histology Report (for cancer claim only)
B. Additional documents (if any):
1. CTC of other Medical Report (if relevant)
2. Original Certificate Contract
3. Original Letter of Consent (4 copies)
If you wish to talk to us regarding your claim and have any queries on the above, you may call us at 1-300-888-622 or write in to us.
Important Notes:
1. CTC - Certified True Copy
2. To facilitate the processing, please submit to us all required documents.
3. The copy of documents must be certified by Zurich Takaful Officer, Judge, Magistrate or Solicitors
4. The list of required documents for Family Takaful Claims serves as a guideline for claims submission. The Company reserves the right to request for further information or documents if deemed necessary. -
Where can I get more information?
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Contact us.
Contact our Zurich Call Centre
Locate Your Nearest Zurich Branch
The benefits payable are protected by PIDM up to limits. Please refer to PIDM TIPS brochure or contact Zurich Takaful Malaysia Berhad or PIDM.
Zurich Takaful operates under the principle of Wakalah, whereby the Takaful Operator acts as an agent to the Participant for managing the operations of the Takaful business. A Wakalah Fee will be charged up-front from the contributions made. Tabarru’ (donation) will be deducted to the Participant Risk Investment Account (PRIA), where it will be used for mutual aid and assistance, based on the concept of Takaful. The benefits are paid from the PRIA only upon a covered loss, and not upon maturity or surrender of the certificate. Surplus Sharing (if any) at the end of each financial year will be shared between the Participant, and Zurich Takaful at a 50:50 ratio. The investment profit earned on the Participant Investment Account (PIA) is derived from the return on underlying assets and Zurich Takaful charges a Wakalah Bi al-Istithmar Fee (Investment Agency Fee) for managing these assets. The investment risk in PIA is fully borne by the Participant. 100% of investment profit earned, net of tax, less the aforementioned Wakalah Bi al-Istithmar Fee, will remain in the PIA for the benefit of the Participant. There will be no further sharing of the investment profit arising in the PIA with Shareholders.
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Kenapa saya perlu pilih pelan ini?
Pelan Takaful 3asyCare akan meringankan beban kewangan anda apabila anda memerlukannya. Dapatkan perlindungan segera untuk 3 penyakit kritikal yang paling kerap didiagnosis di Malaysia.
Perlindungan Penting Asas
Pelan kami memberi perlindungan untuk 3 jenis Penyakit Kritikal yang paling kerap didiagnosis – Serangan Jantung, Strok dan Kanser.
Perlindungan Sehingga Umur 80 Tahun
Memberi perlindungan sehingga umur 80 tahun dengan Jumlah Asas Perlindungan setinggi RM100,000.
Sokongan Kewangan Tambahan
Nikmati pembayaran tambahan dengan tuntutan Manfaat Penjagaan Khas1 yang bersamaan dengan 10% Jumlah Asas Perlindungan.
Cepat & Mudah
Permohonan mudah tanpa memerlukan pemeriksaan perubatan atau soal selidik yang panjang.
Caruman Berpatutan
Direka mengikut kemampuan anda. Dapatkan perlindungan serendah RM0.50 sehari.
Tuntutan Dalam Masa Satu Hari
Menerima Manfaat Penjagaan Khas dalam masa satu (1) hari bekerja2.
Nota:
1Manfaat Penjagaan Khas hanya untuk bukan perokok sahaja.
2Tuntutan Manfaat Penjagaan Khas dalam masa satu (1) hari bekerja dengan serahan dokumen lengkap yang berkenaan sebelum pukul 2 petang.
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Apakah pelan dan perlindungan yang terbaik untuk saya?
Anda boleh pilih salah satu daripada pelan berikut untuk memenuhi keperluan anda.
Silver Gold Tempoh Perlindungan Sehingga umur 80 tahun Umur Penyertaan (tarikh lahir yang sebelum) Minimum 18 tahun
Maksimum 50 tahunPerlindungan Penyakit Kritikal - Serangan jantung
- Strok
- Serangan jantung
- Strok
- Kanser
Jumlah Asas Perlindungan Opsyen 1: RM50,000
Opsyen 2: RM100,000Manfaat Penjagaan Khas1 10% daripada Jumlah Asas Perlindungan 
Jika Orang Yang Dilindungi menghidapi mana-mana Penyakit Kritikal yang dilindungi, 100% Jumlah Asas Perlindungan akan dibayar dengan tambahan 10% Jumlah Asas Perlindungan sebagai Manfaat Penjagaan Khas.
Nota:
1Manfaat Penjagaan Khas untuk bukan perokok sahaja.
*Tuntutan Manfaat Penjagaan Khas dalam masa satu (1) hari bekerja dengan serahan dokumen lengkap yang berkenaan sebelum pukul 2 petang. -
Apakah syarat kelayakan menyertai pelan ini?Pelan ini terbuka untuk sesiapa yang berumur antara 18 tahun hingga 50 tahun (tarikh lahir yang sebelum).
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Bagaimanakah cara untuk membuat penamaan penerima manfaat?Untuk menamakan penerima manfaat, sila isi Borang Penamaan dan hantar borang ini ke cawangan Zurich yang berdekatan
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Bagaimanakah cara untuk membuat tuntutan?
Langkah 1
Sediakan dokumen-dokumen yang diperlukan seperti yang dinyatakan di bawah.
Langkah 2
Lengkapkan borang-borang yang berkenaan dan dapatkan doktor anda untuk lengkapkan borang Pernyataan Doktor (jika berkenaan).
Langkah 4
Semak status tuntutan anda dengan menghubungi kami di 1-300-888-622 atau hantarkan pertanyaan anda kepada kami.
A. Dokumen-dokumen yang diperlukan:
1. Borang Kenyataan Penuntut
2. Salinan Diakui Sah (CTC) - Kad Pengenalan Baru / Pasport / Kad Residen Penuntut
3. Soal Selidik Perubatan Sulit atau Soal Selidik Tuntutan Hidup (muat turun SATU daripada borang-borang berikut yang berkaitan dengan penyakit anda)
4. Salinan Diakui Sah - Laporan Pengimejan Diagnostik/ Selepas Pembedahan yang berkenaan
5. Salinan Diakui Sah - Laporan Histopatologi / Histologi (bagi tuntutan Kanser sahaja)
B. Dokumen-dokumen tambahan (jika ada):
1. Salinan Diakui Sah - Laporan Kesihatan berkenaan yang lain
2. Kontrak Polisi asal
3. Surat Kebenaran asal (4 salinan)
Jika anda ingin hubungi kami tentang tuntutan anda atau ada sebarang pertanyaan, sila hubungi kami di 1-300-888-622 atau hantarkan pertanyaan anda kepada kami.
Important Notes:
1. CTC – Certified True Copy (Salinan Diakui Sah)
2. Untuk memudahkan pemprosesan, sila hantarkan semua dokumen yang diperlukan kepada kami.
3. Salinan dokumen-dokumen mesti disahkan oleh Pegawai Zurich Takaful/ Hakim/ Majistret/ Peguamcara.
4. Senarai dokumen keperluan bagi Tuntutan Takaful berfungsi sebagai garis panduan bagi penghantaran tuntutan. Syarikat berhak untuk meminta maklumat atau dokumen lanjut jika perlu.
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Di manakah saya boleh mendapat lebih maklumat?
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Hubungi kami.
Hubungi Zurich Call Center
Cari Cawangan Zurich yang Berhampiran
Zurich Takaful beroperasi di bawah prinsip Wakalah di mana Pengendali Takaful selaku agen mengendalikan operasi perniagaan Takaful kepada Peserta. Yuran Wakalah akan dikenakan sekali bersama dengan caruman yang dibuat. Jumlah Tabarru’ akan dimasukkan ke dalam Akaun Pelaburan Risiko Peserta (APRP / Participant Risk Investment Account) di mana ia akan digunakan untuk membantu Peserta lain berdasarkan Konsep Takaful. Manfaat akan dibayar daripada APRP hanya untuk kerugian yang dilindungi, dan bukanlah semasa Sijil matang atau penyerahan Sijil. Lebihan pada setiap akhir tahun kewangan (jika ada) akan dikongsi di antara Peserta dan Zurich Takaful mengikut nisbah 50:50. Keuntungan daripada pelaburan yang diperolehi daripada Akaun Pelaburan Peserta (APP / Participant Investment Account) adalah berdasarkan kepadaaset yang disandarkan dan Zurich Takaful akan mengenakan bayaran Yuran Wakalah Bi al-Istithmar (Yuran Wakil Pelaburan) untuk menguruskan aset tersebut. Risiko pelaburan di dalam APP ditanggung sepenuhnya oleh Peserta. 100% keuntungan pelaburan selepas cukai, tolak Yuran Wakalah Bi al-Istithmar seperti dinyatakan, akan kekal di dalam APP untuk manfaat Peserta. Tiada perkongsian ke atas sebarang keuntungan yang ada di dalam APP dengan pemegang saham.
Note: This is a pure protection product where the sole purpose of the product is to provide you with coverage for specific covered events. You should not expect to receive any investment return throughout the term of the policy or when the policy matures. This product is distributed and sold without going through any intermediaries.