Takaful SureCover
Guaranteed acceptance Family Takaful plan with no medical check-ups.
You’ve reached the point in your life where you would need to consider your future and your family’s well-being. How would your loved ones carry on with life should the unexpected happens to you?
Now, more than ever, it’s becoming necessary to plan ahead. We know that financial planning isn’t easy, especially when you consider the many factors involved in the process. What if there is a takaful family plan that has made everything easier for you? A simple and affordable takaful plan with no medical check-ups required?
Introducing Takaful SureCover, a shariah-compliant regular contribution Family Takaful plan that offers you protection till age 90, this plan is guaranteed acceptance - we’ll never turn down your application regardless of your health conditions. This plan safeguards you against the unexpected and help ease the financial burden faced by your loved ones.
Takaful SureCover Product Features and Benefits
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What benefits do I get with Takaful SureCover Plan?
Guaranteed Acceptance from age 35 up until age 80
As its name suggests, Takaful SureCover has a unique Guaranteed Acceptance features which provides coverage for Person Covered from age 35 till 80 years old. It is an ideal solution for individuals who are looking for protection for themselves and their parents
Easy and hassle-free application with no medical check-up required
With no medical check-ups and no health questions asked, this plan is hassle-free! We’ll never turn down your application regardless of your health conditions.
Coverage up to age 90
You can now enjoy the rewards of a well-lived life. This plan will provide you with coverage up to age 90 for your peace of mind. So just sit back and relax, and let us protect you while you take care of your loved ones.
Level Contribution Throughout Certificate Term
From RM75 per unit, you can enjoy the great benefits specially designed with you in mind. Best of all, the contribution is level throughout the term of the Certificate.
Rewarding Maturity Benefit
This plan rewards you with Maturity Benefit at the end of certificate year after your 90th birthday. You will receive Participant Investment Account (PIA) value as Maturity Benefit.
Repatriation Benefit
If any unfortunate event happens to the Person Covered whilst traveling outside of Malaysia, this plan provides a reimbursement up to RM3,000 to send the Person Covered’s mortal remain back to their home country.
Death Benefit with high Accidental Death Benefit
Be ready when life throws you a curveball. In the event that the Person Covered met with an untimely demise, benefits payable are as follows:
NON-ACCIDENTAL DEATH CERTIFICATE YEAR BENEFIT PAYABLE Within 2 years from certificate inception - Refund of Total Contribution Made
After 2 years from certificate inception - Basic Sum Covered or Total Contribution Made, whichever is higher; and
- Participant Investment Account (PIA)
ACCIDENTAL DEATH PERSON COVERED'S ATTAINED AGE AT THE DATE OF DEATH BENEFIT PAYABLE 35-65 - 500% of Basic Sum Covered or Total Contribution Made, whichever is higher; and
- Participant Investment Account (PIA)
66-80 - 300% of Basic Sum Covered or Total Contribution Made, whichever is higher; and
- Participant Investment Account (PIA)
81-90 - 200% of Basic Sum Covered or Total Contribution Made, whichever is higher; and
- Participant Investment Account (PIA)
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What is the Basic Sum Covered for Takaful SureCover?
The Basic Sum Covered for your certificate will be obtained as per your entry age, gender, and the number of units of takaful coverage chosen. For example, if a female who is 35 years of age subscribes 10 units of Takaful coverage, her Basic Sum Covered would be 10 times the amount stipulated in the Sum Covered Schedule. So, it will be RM33,243 X 10 units = RM332,430. -
Who is eligible for Takaful SureCover plan?
Anyone between 35 years old and 80 years old can participate. -
Where can I get more information about Takaful SureCover?
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Takaful SureCover Frequently Asked Questions
What is Takaful SureCover?
Takaful SureCover is a family takaful plan that complies with Shariah laws and offers health coverage to you and your loved ones with guaranteed acceptance, so that they won’t have to face any financial challenge in the event of any unfavorable situation. This family takaful plan is an ideal solution for individuals who are looking for protection for themselves and their parents. From RM75 per unit, you can enjoy the benefits of this family health protection plan, till the age of 90, without the hassles of medical check-ups.
Will my contribution increase with my age?
The contribution that you will make for the Takaful SureCover family plan will be leveled until maturity. However, this is not a definite and guaranteed condition. If the contribution is revised by Zurich Takaful Malaysia, then you will be notified 3 months before your next certificate anniversary.
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Contact us.
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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Apakah manfaat yang saya perolehi?
Penerimaan Dijamin dari usia 35 tahun sehingga usia 80 tahun
Sama seperti namanya, Takaful SureCover mempunyai ciri Penerimaan Dijamin yang unik; ia memberi perlindungan kepada Orang Yang Dilindungi dari umur 35 tahun sehingga 80 tahun. Ini adalah pilihan yang hebat untuk individu yang menginginkan perlindungan untuk diri mereka sendiri dan ibu bapa tersayang.
Permohonan yang mudah dan tanpa kerumitan, tiada pemeriksaan kesihatan diperlukan
Takaful SureCover semestinya pilihan hebat tanpa kerumitan disebabkan ciri-cirinya dimana pemeriksaan kesihatan tidak diperlukan dan tiada soalan kesihatan yang perlu dijawab! Kami tidak akan menolak permohonan anda tanpa mengambil kira keadaan kesihatan anda.
Perlindungan sehingga usia 90 tahun
Anda boleh menikmati kehidupan yang selesa dengan pelan ini. Ia memberi anda perlindungan sehingga usia 90 tahun untuk ketenangan fikiran anda. Kini tiba masanya untuk anda berehat dan menikmati kehidupan yang selesa. Biarlah kami melindungi anda, seperti mana anda melindungi orang yang tersayang.
Caruman setara sepanjang tempoh sijil
Dari RM75 seunit, anda boleh menikmati manfaat-manfaat hebat daripada produk yang prihatin terhadap keperluan khusus anda. Anda diberi jaminan bahawa caruman adalah setara sepanjang tempoh sijil.
Ganjaran Manfaat Matang
Pelan ini memberi anda ganjaran Manfaat Matang pada hujung tahun sijil selepas anda berusia 90 tahun. Anda akan menerima nilai Akaun Pelaburan Peserta (APP) sebagai Manfaat Matang.
Manfaat Penghantaran Balik
Bayaran balik sehingga RM3,000 untuk perbelanjaan yang ditanggung bagi penghantaran jenazah Orang Yang Dilindungi sekiranya kematian berlaku semasa berada di luar negara Malaysia.
Manfaat Kematian dengan Manfaat Kematian Akibat Kemalangan yang tinggi
Pelan ini memberikan perlindungan terhadap perkara yang tidak dijangka. Sekiranya Orang Yang Dilindungi meninggal dunia, manfaat kematian akan dibayar seperti berikut:
MANFAAT KEMATIAN BUKAN AKIBAT KEMALANGAN TAHUN SIJIL JUMLAH DIBAYAR Dalam 2 tahun dari tarikh permulaan sijil - Bayaran balik semua Caruman
Selepas 2 tahun dari tarikh permulaan sijil - Jumlah Perlindungan Asas atau Jumlah yang telah dicarum (yang mana lebih tinggi); dan
- Nilai Akaun Pelaburan Peserta (APP)
MANFAAT KEMATIAN AKIBAT KEMALANGAN UMUR YANG DICAPAI ORANG YANG DILINDUNGI KETIKA TARIKH KEMATIAN JUMLAH DIBAYAR 35-65 - 500% Jumlah Perlindungan Asas atau Jumlah yang telah dicarum (yang mana lebih tinggi); dan
- Nilai Akaun Pelaburan Peserta (APP)
66-80 - 300% Jumlah Perlindungan Asas atau Jumlah yang telah dicarum (yang mana lebih tinggi); dan
- Nilai Akaun Pelaburan Peserta (APP)
81-90 - 200% Jumlah Perlindungan Asas atau Jumlah yang telah dicarum (yang mana lebih tinggi); dan
- Nilai Akaun Pelaburan Peserta (APP)
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Apakah jumlah perlindungan asas yang diperolehi?Jumlah perlindungan asas adalah bergantung kepada usia kemasukan, jantina dan bilangan unit bagi perlindungan takaful yang anda pilih.
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Apakah syarat kelayakan menyertai pelan ini?Sesiapa yang berusia di antara 35 sehingga 80 tahun layak untuk memohon pelan ini.
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Di manakah saya boleh mendapat lebih maklumat?
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Hubungi kami
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.