Group Personal Sentinel V3 Plus Takaful
Personal Accident Takaful to Manage Medical Expenses.
At Zurich, we know how important it is to protect yourself so that you don't have to burden your loved ones with the rising cost of medical bills. With Personal Sentinel V3 Takaful, enjoy greater protection for as low as RM0.39/day through our comprehensive personal accident protection plan that covers you so that you get to live your life on your own terms.Other benefits of this Shariah-compliant plan include Double indemnity cover for e-hailing services (e.g. Grab), cashless admission and discharge from hospitals, coverage for traditional treatments, coverage for death due to Zika, Dengue fever, Chikungunya, Malaria, and much more.
Benefits
| BENEFIT | DESCRIPTION |
PLAN 1 |
PLAN 2 |
PLAN 3 |
PLAN 4 |
PLAN 5 |
PLAN 6 |
PLAN 7 |
| A | Accidental Death | 50,000 | 100,000 | 200,000 | 300,000 | 500,000 | 750,000 | 1,000,000 |
| B | Accidental Permanent Disablement | 50,000 | 100,000 | 200,000 | 300,000 | 500,000 | 750,000 | 1,000,000 |
| C |
Double Indemnity *Death on public conveyance *Death on Grab, Uber or e-hailing services *Total Paralysis or Quadriplegia *Death due to fire at own residence
|
50,000 | 100,000 | 200,000 | 300,000 | 500,000 | 750,000 | 1,000,000 |
| D | Accidental Medical Expenses | 5,000 | 6,000 | 6,500 | 7,500 | 10,000 | 12,000 | 15,000 |
| D1 |
*Medical and Post-mortem Report Fees |
150 | ||||||
| D2 |
*Traditional Treatment |
RM50 per visit, up to a maximum of RM500 | RM50 per visit, up to a maximum of RM1000 | |||||
| D3 | *Dengue Fever, Malaria & Japanese Encephalitis | 5,000 | 6,000 | 6,500 | 7,500 | 10,000 | 12,000 | 15,000 |
| D4 |
*Ambulance Fees |
500 | ||||||
| D5 | *Cashless Hospital Admission | 5,000 | 6,000 | 6,500 | 7,500 | 10,000 | 12,000 | 15,000 |
| E | Weekly Benefit (optional) | |||||||
| E1 | *Temporary Total Disablement | 50 | 100 | 120 | 150 | 250 | 350 | 500 |
| E2 | *Temporary Partial Disablement | 25 | 50 | 60 | 75 | 125 | 175 | 250 |
| F | Daily Hospital Income | 90 | 90 | 90 | 120 | 180 | 200 | 250 |
| G | Death due to Zika or Chikungunya | 10% of Principal Sum Covered | ||||||
| H | Death due to Dengue, Malaria, Japanese Encephalitis | 10% of Principal Sum Covered | ||||||
| I | Emergency Cash | 5,000 | ||||||
| J | Prosthesis / Wheelchair - Permanent Total Disablement | 2,500 | ||||||
| K | Prosthesis / Wheelchair - Partial Disablement | 250 | ||||||
| L | Dental Correction or Corrective Cosmetic Surgery | 5,000 | ||||||
| M | Kidnap Benefits | 5,000 for expenses and 25,000 for reward | ||||||
| N | Blood Transfusion | 10% of Principal Sum Covered | ||||||
| O | Permanent Impotency or Infertility | 10% of Principal Sum Covered | ||||||
| P | Personal Liability | 2 times of Principal Sum Covered | ||||||
| Q | Renewal Bonus | 15% per year on Principal Sum Covered, up to a maximum of 150% | ||||||
| R | Referral Emergency Assistance Programme | Up to USD1,000,000 | ||||||
Notes:
*Please refer to the certificate contract for the benefits description under this certificate.
*Duration of cover is for one year. You need to renew your takaful cover annually.
*The total amount payable for benefit D1 to D5 shall not exceed the limit of benefit D
Accidental Medical Coverage
Get up to RM15,000 of accidental medical coverage.
Double Indemnity
Double indemnity cover for e-hailing services (e.g. Grab)
Renewal Bonus
Enjoy Renewal Bonus up to 150% and no impact to your Renewal Bonus when a claim is made!
Traditional Treatment
Annual traditional treatment reimbursement up to RM1,000.
Cashless Admission
Cashless admission & discharge from hospitals for accidents.
Locate Your Nearest Zurich Branch
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.
