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.
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
Coverage Up To Age 80
More Financial Support
Our plan covers up to 3 of the most commonly diagnosed critical illnesses – Heart Attack, Stroke, and Cancer.
Get covered up to age 80 with a Basic Sum Covered as high as RM100,000.
Get additional pay-out with the Special Care Benefit1 claim which is equal to 10% of the Basic Sum Covered.
Quick & Easy
Affordable Contribution
Claim Within A Day
Experience hassle-free application with no medical check-up required and no lengthy questionnaires needed.
Designed to fit your budget, get covered from as low as RM0.50 a day.
Receive the Special Care Benefit claim within one (1) working day2.
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.
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 old |
|
| Critical Illness Covered |
|
|
| Basic Sum Covered | Option 1: RM50,000 Option 2: RM100,000 |
|
| Special 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.
To nominate your beneficiaries, please fill in the Nomination Form and submit the form at your nearest Zurich branch.
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).
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.
- Takaful 3asyCare Certificate Wordings - Gold [Sample] (BM) (213.61 KB/PDF)
- Takaful 3asyCare Certificate Wordings - Gold [Sample] (ENG) (204.3 KB/PDF)
- Takaful 3asyCare Certificate Wordings - Silver [Sample] (BM) (210.78 KB/PDF)
- Takaful 3asyCare Certificate Wordings - Silver [Sample] (ENG) (201.62 KB/PDF)
- Takaful 3asyCare Fact Sheet (BM) (130.61 KB/PDF)
- Takaful 3asyCare Fact Sheet (ENG) (112.15 KB/PDF)
- Takaful 3asyCare Product Disclosure Sheet - Gold [Sample] (BM) (228.48 KB/PDF)
- Takaful 3asyCare Product Disclosure Sheet - Gold [Sample] (ENG) (230.6 KB/PDF)
- Takaful 3asyCare Product Disclosure Sheet - Silver [Sample] (BM) (228.42 KB/PDF)
- Takaful 3asyCare Product Disclosure Sheet - Silver [Sample] (ENG) (226.68 KB/PDF)
- Takaful 3asyCare FAQs (ENG) (110.53 KB/PDF)
- Takaful 3asyCare FAQs (BM) (112.25 KB/PDF)
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.
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.
