TAKAFUL (100% ISLAMIC)

Takaful Guru TTMW62 (36 Critical Illness + Life + Saving)

100% Islamic 36 Critical Plan with Savings Returns

Fixed premium rate. No increase in premium until the age of 65

No medical check-up required with RN30 application (RM50,000 sum assured)

Maturity returns at the age of 65 with Untung Mudharabah

36 Critical Illnesses such as Cancer, Heart Attack, Kidney Failure, etc.

Hospital Allowance Benefit per night from RM20 up to RM100

Feature:

Entry age:

  • Aged 30 years and below for Member and Spouse
  • Aged 18 and below for Children

Scope of Benefit: Premium Table As Below

Premium Critical Illness Natural Death /
Accidental Death /
TPD
Funeral Benefits Hospitalization Benefits Medical Benefits
Member Spouse Child
(Up to 4 person)
30 50,000 50,000 3,000 1,000 500 20 500
60 50,000 100,000 3,000 1,000 500 40 500
90 50,000 150,000 3,000 1,000 500 60 500
120 50,000 200,000 3,000 1,000 500 80 500
150 50,000 250,000 3,000 1,000 500 100 500

Takaful NUTP GE Medikad GPT22 (Medical Card)

NUTP Takaful GE Medikad covers 90% of your total hospitalization bills such as surgical, treatment, emergency and accidents

Room & Board
– RM200

Annual Limit – RM50,000 (Individual Plan)
Annual Limit – RM100,000 (Family Plan)

No lifetime limit-Auto renewal every calendar year

Flat Premium Rate from age 18 to 55 (Member & Spouse)

Child premium is only RM18 per month in order to enjoy the same benefits as Adult

10% Co-insurance can be reimbursed under the Livin Pay Plus or Dana Restu Plus plan

We have 100 Panel Hospitals throughout Malaysia, including Sabah and Sarawak

Feature:

Entry Age:

  • Age 60 and below for Member and Spouse
  • Age 23 and below for Children

Maturity age

  • Age 70 for Member & Spouse
  • Age 23 for Child

Scope of Benefit: Premium Table As Below

Group Yearly Renewable Hospitalisation and Surgical Plan Plan A (RM)
Annual Limit
Malaysia (Member Only / Family)
Oversea (Member Only / Family)
50,000 / 100,000
100,000 / 200,000
(A) Hospital Room and Board (R&B)
(i) (Limit per day, subject to a maximum of 150 days per disability)(ii) Intensive Care Unit (ICU)
(Limit per day, subject to a maximum of 75 per any disability)
200
30,000
400
30,000
(B) Hospital Supplies and Services
(Maximum any One Disability)
As charged subject to Overall Aggregate Limit
(C) Surgical Benefit
(Maximum per any One Disability not subject to the Schedule
Operations and Benefit)
  37,500
(D) Anaesthetist’s Fees 11,250
(E) In Hospital Physician Visit
(Maximum per any One Disability, Max 60 days)
Reimbursement of Reasonable and Customary Charges which is consistent with those usually
charged to a award or Room and Board accommodation which is approximate to and within
the daily limit of the amount stated in Hospital Room and Board benefit under the plan insured
(F) Emergency Accident Outpatient Treatment
(follow-up within 31 days)
(G) Pre-Hospitalisation Specialist Consultation Benefit
(Within 60 days before hospitalisation)
(H) Pre-Hospitalisation Diagnostic Test
(Within 60 days before hospitalisation)
(I) Post-Hospitalisation Treatment
(Within 31 days after hospital discharge)
(J) Ambulance Fees 200
(K) Daily-Cash Allowance at Government Hospital
(Maximum 150 days of confinement per policy year)
100
(L) Medical Report 80
(M) Outpatient Physiotherapy Treatment Subject to 200 deductible and 10% co-insurance, maximum out of pocket 1,000 per eligible
claim
(N) Monthly Outpatient Kidney Dialysis & Cancer Treatment 4,000
(O) Organ Transplant 35,000
Plan A Monthly Premium
Age Individual Family Child Premium
18-55 RM62.72 RM135.15 RM38.99 per child (Unmarried,

and aged between 30 days to 19

years old , or 23 years old for

full time undergraduates yet

to work)

56-60 RM116.44 RM267.55
61-65 RM135.24 RM310.71
66-70 RM351.33 RM698.55

Admission Procedure:

Takaful MUI PA (Personal Accident)

100% Islamic Personal Accident by Etiqa Takaful Berhad. Premium is as low as RM4.50 per month – RM220,000 Sum Assured for Accidental Death by Public Conveyance

Accidental death – By Public Conveyance or Private Vehicles

Permanent Disablement caused by Accident

Double Indemnity for Accidents caused by Public Conveyance such as Airplane etc.

Medical Expenses including cost for Medical

Daily Hospital Cash Income (hospitalization in Government Hospitals only)

Feature:
Entry age

  • Below age 60 for Member & Spouse
  • Below age 23 for Children

Spouse & Children are  only entitled to 1 unit coverage and premium will be charged based on their Occupation.
Spouse & Children working overseas are not eligible for MUI scheme.
Unemployed children aged  25 and above will be auto excluded from the scheme.
A written notice must be sent to us or to the Union on any changes of Spouse or Children’s occupation.

Scope of Benefit: Premium Table As Below

Benefits for Death and Permanent Disablement DIAMOND
1 Unit 2 Unit
For a fatal accident whilst travelling in a public conveyance
licensed for passenger service
220,000 440,000
For an accident resulting in:
– Total paralysis from the neck down or
– Complete and incurable insanity
220,000 440,000
For accidental death resulting from any cause
– Other than those specified above
110,000 220,000
For death due to :
– Murder or assault
– Strike, riot and civil commotion or hijack
– Accidental food poisoning
– Accidental drowning or suffocation
– Lightning strike
– Exposure and disappearance
110,000 220,000
Hospitalization And Medical Benefits
Reimbursement for all medical expenses incurred whilst
hospitalized in any government or private hospital (Expenses include medical,
surgical, doctor’s consultation, x-ray, lab tests, board, and lodging
charges, etc)
3,000 5,000
Cash Income whilst hospitalised 100 per day
up to 2,000
100 per day
up to 3,000
Other Benefits
Extra benefit to be used as funeral, burial or
cremation expenses
3,000 6,000
Hospitalisation travelling allowance (immediate family) 50 per week
up to 500.00
100 per week
up to 1,000
Member /
Spouse
1 Unit 2 Unit
Member 4.50 9.00
Spouse 4.50 (Low Risk) 9.00 (NUTP Member)
9.00 (High Risk)
Child
Age (1-12) 1.15 2.30
Age (12-18) 2.25 4.50
Age (18 and above) 4.50 (Low Risk) N.A.
9.00 (High Risk)