PolicyContract PDF

GREAT EASTERN TAKAFUL BERHAD (916257-H)
Head Office : Lvl 3 Menara Great Eastern 303 Jalan Ampang 50450 Kuala Lumpur
Customer Service Careline : 1-300 - 13-8338 Fax : (603) 4259 8808
E-mail : i-greatcare@greateasterntakaful.com Website : www.greateasterntakaful.com
30/09/2020
MR MOHD AMIN BIN MOHD TAJUDDIN

2566 JALAN KAMPUNG BINJAI
CHEROK TOK KUN ATAS
MELALUI POS BERDAFTAR
14000 BUKIT MERTAJAM
NOMBOR SIJIL ANDA: 400939435-4

Peserta yang dihormati,
Selamat datang ke keluarga Great Eastern Takaful dan terima kasih di atas keputusan untuk menyertai Sijil Takaful Keluarga ini.
Di sini kami sertakan Sijil Takaful bersama-sama dengan salinan borang cadangan yang telah anda lengkapkan untuk simpanan
anda. Sila semak dokumen-dokumen ini dengan teliti. Sekiranya terdapat mana-mana maklumat yang salah atau tidak tepat di
dalam dokumen-dokumen anda, sila hubungi kami secepat mungkin.
Kami berbangga dapat menguruskan keperluan simpanan dan pelaburan jangka panjang anda.
Penyertaan anda di dalam pelan ini juga akan mendekatkan anda kepada nilai-nilai yang anda percayai. Konsep Takaful adalah
berlandaskan prinsip tanggungjawab bersama, kepentingan bersama dan bantuan secara sukarela. Sebahagian dari sumbangan
anda akan disumbangkan ke dalam tabung Tabarru’ (derma), yang akan digunakan untuk membantu satu sama lain pada saat-saat
yang memerlukan.
Jika anda memerlukan bantuan dan penerangan lanjut, sila hubungi ejen anda pada bila-bila masa atau menelefon talian Careline
kami di 1300 13 8338. Kami menjanjikan perkhidmatan yang terbaik pada setiap masa.
Terima Kasih.
Yang benar,
AGENSI :
122821-2 SITI NAZIRAH BINTI MAT ISA (62)
111811-5 SYED SHAFARIZ RIZA BIN SYED SHAHABUD (62)
104565-7 AHMAD AZIM BIN AHMAD (62)
SHAHRUL AZLAN SHAHRIMAN

Ketua Pegawai Eksekutif
Lampiran: Sijil & Salinan borang cadangan Takaful Keluarga anda
YOUR CERTIFICATE NUMBER: 400939435-4
Dear esteemed Participant,
We welcome you to our family of Great Eastern Takaful and thank you for making the decision to participate in this Family Takaful
Certificate from us.
We are pleased to enclose your Takaful Certificate together with a copy of your completed proposal form for your safe-keeping.
Please check through these documents carefully. If there is any inaccurate or incorrect information in your documents kindly inform
us immediately.
We are glad to take on the responsibility of looking after your long-term financial and savings needs.
Your participation in this plan will also enable you to be closer to the values you believe in. Takaful concept is based on the
principles of mutual cooperation, shared responsibility and voluntary assistance. Part of your contribution will be donated into a
Tabarru’ (donation) fund, which will be used to support each other in times of needs.
If you require further assistance, please feel free to get in touch with your agent, or call our Careline at Tel 1300 13 8338. We assure
you of our best service at all times.
Thank You.
Yours Faithfully
SHAHRUL AZLAN SHAHRIMAN

Chief Executive Officer
Encl: Certificate & copy of your Family Takaful proposal form
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This page is intentionally left blank.
CERTIFICATE NO: 400939435-4
CERTIFICATE INFORMATION STATEMENT

Dear Participant,
Thank you for taking up this certificate. This is a financial security product that has been customised
according to your current requirements.
You would find the following information helpful to you in future. This reflects, where applicable, the
provisions of the Islamic Financial Services Act 2013. All statements and representations (if any) made by
Us in this Certificate Information Statement are made in good faith based on Our reasonable knowledge
as at Issue Date, We accept and undertake no liability whatsoever for the accuracy of the same and/or
any and all subsequent changes or amendments to any law, regulation or practice relating to and affecting
the validity or accuracy of the same. You may at all times seek independent advice from any advocate
and/or solicitor and/or tax consultant in order to ascertain your rights and entitlements under or relating to
this certificate before making any decision.
PROOF OF AGE
Please remember that proof of age is needed before any benefit can be paid. Just produce one of the
following original documents at any of Our Offices as listed Our website www.greateasterntakaful.com.
· NRIC · Birth Certificate · International Passport · Citizenship Certificate
NOMINATION
If nomination is applicable and your age is 16 years and above, you may nominate one or more
individuals to receive the Takaful benefits payable upon your death, either as an executor or as a
beneficiary under a conditional hibah. The nomination form is available upon request from Our Customer
Service Department.
CHANGE OF ADDRESS
It is important that you inform Us immediately in writing of any change in your address to ensure that you
receive letters or notices, etc. from Us. Any change in your nominee’s addresses should also be notified
to Us to facilitate the payment of claim.
SURRENDER VALUES
Family Takaful is a financial security. Once you have it, please do not give it up! Any change of health or
circumstance may mean one of two things to you or your family:
· You may not be able to have Family Takaful protection
or · You may have to contribute substantially more for the same protection.
So, be regular and prompt with your contribution payments. Your certificate is an asset. You may
surrender this certificate for its investment values so long as there are units available in the Participant’s
Unit Account under your certificate. However, if you surrender this certificate in the early years, you may
get back less than the amount you contribute in. It may not be advantageous to surrender or replace
an existing certificate with a new one due to high initial cost. You can, if necessary, receive part of
the investment values by withdrawing some of the units from the Participant’s Unit Account under your
certificate. Please consult your agent or call Our Careline before making your decision.
CONTRIBUTION PAYMENTS
You can pay contributions
· by cash or cheque at any of our Offices (applicable for yearly contribution payment only);
· by banker’s order;
· through auto-debit or direct-debit service available at participating banks or organisation. For the info
on participating banks or organisation, you may contact Our Careline for updates; or
· by credit card or debit card through Malaysian Visa or MasterCard account.
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When paying contributions, please make sure you obtain Our official receipt which is a computer
generated document and does not require a signature. If you opt to pay the contribution by cheque, you
must make sure that the cheque is made payable to GREAT EASTERN TAKAFUL BERHAD and with
your certificate number explicitly stated on the reverse side of the cheque. Please note that it is your duty
and is to your benefit to ensure that your cheque is properly issued and safe from possible misuse by any
party.
FREE LOOK PERIOD

Within fifteen (15) days after this certificate has been received by you, you may return this certificate to
Us. We shall then refund the sum of:
(i) any unallocated contribution;
(ii) Total Account Value of this certificate; and
(iii) any Tabarru’ and Service Charge which have been deducted;
less any expenses incurred for the medical examination of the Person Covered, upon which the certificate
shall be deemed cancelled and Our liability thereunder shall cease.
Please note that for the purpose of determining the period of fifteen (15) days, this certificate will be
deemed to be returned to Us on the date We have received it or the date that it has been posted to us by
registered post.
SUBMISSION OF CLAIM
Upon occurrence of a valid claim event under this certificate, you must inform Us immediately or as soon
as it is practicable and you are required to submit all the required documents to Us in connection with
such claim.
ENQUIRIES ON YOUR CERTIFICATE

For any assistance or enquiry on your certificate, kindly contact any of Our Offices as listed on Our
website www.greateasterntakaful.com or Our Careline at 1 300 13 8338 during office hours. Please quote
your certificate number and Our reference, if any.
CUSTOMER FEEDBACK UNIT

You may refer your feedback pertaining to any Family Takaful related matters to Our Customer Feedback
Unit for an amicable resolution before referring to the Ombudsman for Financial Services or BNMLINK /
BNMTELELINK, Bank Negara Malaysia. The contact details of Our Customer Feedback Unit:
Customer Feedback Unit

Great Eastern Takaful Berhad
Level 3, Menara Great Eastern,
303 Jalan Ampang,
50450 Kuala Lumpur.
Careline No. : 1 300 13 8338

Telephone No. : (603) 4259 8338
Fax No. : (603) 4252 7528
Email : i-greatcare@greateasterntakaful.com
Website : www.greateasterntakaful.com
TCIA/V11/11-2019 Page 2 of 3 0510/022612/ 4

OMBUDSMAN FOR FINANCIAL SERVICES or CUSTOMER SERVICES BUREAU, BANK NEGARA

MALAYSIA
If you are not satisfied with the response or the decision of Our Customer Feedback Unit, you may submit
your complaint either to the Ombudsman for Financial Services (OFS) within six (6) months from the date
of Our Customer Feedback Unit’s final decision, or to BNMLINK / BNMTELELINK, Bank Negara Malaysia
(BNM). Kindly check with Our Customer Feedback Unit on the proper avenue for dealing with your
feedback. The followings are the contact details of OFS or BNM:-
Ombudsman for Financial Services

Tingkat 25, Dataran Kewangan Darul Takaful
4, Jalan Sultan Sulaiman, 50000 Kuala Lumpur.
Telephone No. : (603) 2272 2811
Fax No : (603) 2274 5752
Website : www.ofs.org.my
Bank Negara Malaysia

Laman Informasi Nasihat dan Khidmat (BNMLINK)
(Walk-in Customer Service Centre)
Ground Floor, D Block. Jalan Dato’ Onn, 50480 Kuala Lumpur
Contact Centre (BNMTELELINK)

Corporate Communication Department, Bank Negara Malaysia
P.O. Box 10922
50929 Kuala Lumpur
Telephone No. : 1 300 88 5465; Overseas: (603) 2174 1717
Fax No : (603) 2174 1515
Email : bnmtelelink@bnm.gov.my
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How to use your Health Care Card
How to apply for Admission to Panel Hospitals*

Just present your Health Care Card and Proof of Identify (e.g. NRIC/Passport and etc.) during hospital
admission.
* This facility is provided subject to validation checks being conducted to ascertain if the hospital
admission is admissible pursuant to the terms and conditions of the Certificate Contract, such
validation checks may include but is not limited to checks to ascertain the existence of any material
non-disclosure, pre-existing condition or whether the condition being treated falls under any certificate
exclusion. If a Guarantee Letter is not issued following completion of such validation checks, you may
still submit your claim for Great Eastern Takaful’s consideration on reimbursement basis.
Panel Hospital and Specialist

For the latest Panel Hospital and Specialist listing, please check our website at
www.greateasterntakaful.com or call our Health Care Centre at 1-300-1300-18.
How to Apply for Reimbursement

For reimbursement cases, you are required to complete and submit the claim form together with the
final hospital bills, original receipts and include any other medical report or any test result to the
Takaful Operator. Claims that fall under the reimbursement category are:
§ Admission to non-panel hospitals/ specialist

§ Pre/post hospitalization
§ Accident outpatient treatment at a clinic or specialist clinic
§ Outpatient cancer/ kidney dialysis treatment
§ Dental treatment (due to accident only)
§ For hospital admission where the guarantee letter has not been issued
How to call for Emergency Repatriation/Evacuation

You may make a reverse charge call to the dedicated telephone number 03-4259 8853 that appears
on the back of the Health Care Card, when you are overseas.
1. You may call the foreign country operator and request to make a collect call (reverse charge)
to Malaysia.
2. The Operator will ask for your identity, number for collect call and the person to whom you
wish to speak to.
3. You should state your name and request to speak to "anyone at Supreme Assist".
4. The Operator will then put the call through to the Customer Service personnel who will
respond/accept the collect call.
How do I renew my Health Care Card?

The card is valid as long as you have a valid certificate with the Takaful Operator's selected health
care programme offering this facility.
How do I replace a lost or stolen card?

If your card is lost card or stolen, please call Customer Service No. 03-4259 8333 during office hours
to report the lost and obtain advice on the card replacement procedure. (Office hours: Monday to
Friday 8:30am to 5:15pm).
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Cara Menggunakan Kad Penjagaan Kesihatan Anda
Prosedur Kemasukan Wad di Hospital Panel*

Anda cuma perlu mengemukakan Kad Penjagaan Kesihatan dan Bukti Identiti (contoh Kad
Pengenalan/Pasport dan lain-lain) semasa kemasukan wad.
* Kemudahan ini disediakan tertakluk kepada pengesahan pemeriksaan yang dilakukan untuk
memastikan sekiranya kemasukan wad adalah sesuai dengan terma dan syarat dari Kontrak Sijil,
pengesahan pemeriksaan tersebut boleh termasuk tetapi tidak terhad kepada pemeriksaan untuk
memastikan kewujudan pelbagai perkara yang tidak didedahkan, keadaan sedia ada atau sekiranya
keadaan yang sedang dirawat tergolong di bawah salah satu pengecualian sijil. Jika Surat Jaminan
tidak dikeluarkan setelah selesai melakukan pengesahan pemeriksaan tersebut, anda masih boleh
membuat tuntutan bayaran balik anda untuk dipertimbangkan oleh Great Eastern Takaful.
Hospital Panel dan Pakar

Untuk senarai Hospital Panel dan Pakar, sila layari laman web kami di www.greateasterntakaful.com
atau hubungi Pusat Bantuan Kesihatan di 1-300-1300-18.
Prosedur Tuntutan Bayaran Balik

Bagi kes-kes tuntutan bayaran balik, anda perlu melengkapkan borang tuntutan dan menghantar
borang tuntutan bersama bil hospital yang muktamad, resit asal dan lain-lain laporan perubatan serta
keputusan ujian kepada Pengendali Takaful. Tuntutan yang termasuk di dalam kategori bayaran balik
adalah:
§ Kemasukan wad di hospital bukan panel/pakar bukan panel

§ Yuran yang dikenakan sebelum dan selepas kemasukan wad
§ Rawatan kecemasan pesakit luar akibat kemalangan di klinik atau klinik pakar
§ Rawatan pesakit luar untuk kanser/ dialisis buah pinggang
§ Rawatan pergigian (akibat kemalangan sahaja)
§ Kemasukan wad apabila permintaan untuk surat jaminan ditolak
Prosedur Perkhidmatan Penghantaran Pulang/Pemindahan Kecemasan

Ketika berada di luar negara, anda boleh membuat panggilan pindah bayaran (reverse charge)
kepada talian 03-4259 8853 seperti tertera di belakang Kad Penjagaan Kesihatan tersebut.
1. Anda boleh menghubungi telefonis negara asing tersebut dan meminta untuk membuat
panggilan pindah bayaran ke Malaysia.
2. Telefonis akan mendapatkan nama anda, talian yang ingin dihubungi dan nama orang yang
anda ingin hubungi.
3. Anda perlu menyatakan nama sendiri dan meminta untuk bercakap dengan “sesiapa sahaja
di Supreme Assist”
4. Telefonis akan menyambungkan talian kepada Kakitangan Perkhidmatan Pelanggan yang
menjawab/ menerima panggilan pindah bayaran tersebut.
Pembaharuan Kad
Kad ini sah selagi anda memiliki sijil yang sah dengan program kesihatan Pengendali Takaful yang
terpilih yang menawarkan perkhidmatan ini.
Penggantian Kad yang Hilang atau Dicuri

Anda perlu melaporkan dengan segera jika kad anda hilang atau dicuri, sila hubungi talian Khidmat
Pelanggan di 03-4259 8333 semasa waktu pejabat untuk melaporkan kehilangan dan nasihat di atas
prosedur penggantian kad. (Waktu pejabat: Isnin-Jumaat, dari 8.30 pagi sehingga 5.15 petang).
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LIST OF PANEL HOSPITALS GREAT EASTERN TAKAFUL BERHAD

PANEL HOSPITALS ADDRESS TEL
KEDAH
Kedah Medical Centre 175, Jalan Pumpong, Mukim Alor Merah, 05250 Alor Setar 04-730 8878
Hospital Pakar Metro 1, Lorong Metro, 08000 Sungai Petani 04-423 8888
Pantai Hospital Sungai Petani No 1, Persiaran Cempaka, Bandar Aman Jaya, 08000 Sungai Petani 04-442 8888
Putra Medical Centre 888, Jalan Sekerat, Off Jalan Putra, 05100 Alor Setar 04-734 2888
PULAU PINANG
Adventist Medical Centre 473, Jalan Burmah, 10350 Penang 04-226 2323
Bagan Specialist Centre 4270, Jalan Bagan 1, 13400 Butterworth 04-332 2800
Gleneagles Penang No 1, Jalan Pangkor, 10050 Penang 04-227 6111
Hospital Lam Wah Ee 141, Jalan Tan Sri Teh Ewe Lim, 11600 Penang 04-657 1888
Island Hospital 308 Macalister Road, 10450 Penang 04-228 8222
KPJ Penang Specialist Hospital 570, Jalan Perda Utama, Bandar Perda, 14000 Bukit Mertajam 04-548 6688
Loh Guan Lye Specialists Centre 238, Macalister Road, 10400 Penang 04-238 8888
Mount Miriam Cancer Hospital 23, Jalan Bulan, Fettes Park, 11200 Tanjung Bungah 04-892 3999
Pantai Hospital Penang 82, Jalan Tengah, Bayan Baru, 11900 Bayan Lepas 04-643 3888
Penang Adventist Hospital 465, Jalan Burmah, 10350 Penang 04-222 7200
PERAK
Anson Bay Medical Centre Batu 3 ½, Jalan Maharaja Lela,36000 Teluk Intan 05-6232 999
Columbia Asia Hospital Taiping No 5, Jalan Perwira, 34000 Taiping 05-820 8888
Hospital Fatimah 1, Leboh Chew Peng Loon, Off Jalan Dato’ Lau Pak Khuan, Ipoh 05-545 5777
Garden, 31400 Ipoh
KPJ Ipoh Specialist Hospital 26, Jalan Raja Dihilir, 30350 Ipoh 05-240 8777
Lee Eye Center (Ipoh) Persiaran Greenhill, Kampong Jawa, 30450 Ipoh 05-254 0095
Pantai Hospital Ipoh 126, Jalan Tambun, 31400 Ipoh 05-540 5555
Pantai Hospital Manjung Jalan PPMP 1, Pusat Perniagaan Manjung Point, 34000 Taiping 05-689 8555
Perak Community Specialist Hospital 277, Jalan Raja Permaisuri Bainun, 30250 Ipoh 05-254 5594
Taiping Medical Centre 45-49, Jalan Medan Taiping 2, Medan Taiping, 34000 Taiping 05-807 1049
SELANGOR
Ara Damansara Medical Centre Lot 2, Jalan Lapangan Terbang Subang, Seksyen U2, 40150 Shah 03-5639 1212
Alam
Assunta Hospital Lot 68, Jalan Templer, 46990 Petaling Jaya 03-7680 7000
Columbia Asia Hospital Bukit Rimau 3, Persiaran Anggerik Eria, Bukit Rimau, Seksyen 32, 40460 Shah 03-5125 9999
Alam
Columbia Asia Hospital Cheras Lot 33107, Jalan Suakasih, 43200 Cheras 03-9086 9999
Columbia Asia Hospital Petaling Jaya Lot 69, Jalan 13/6 Seksyen 13, Bandar Petaling Jaya, 46200 Petaling 03-7949 9999
Jaya
Columbia Asia Hospital Puchong No. 1, Lebuh Puteri, Bandar Puteri Puchong, 47100 Puchong 03-8064 8688
KPJ Ampang Puteri Specialist Hospital 1, Jalan Mamanda 9, Taman Dato’ Ahmad Razali, 68000 Ampang 03-4270 2500
KPJ Damansara Specialist Hospital 119, Jalan SS 20/10, Damansara Utama, 47400 Petaling Jaya 03-7722 2692
KPJ Kajang Specialist Hospital Jalan Cheras, 43000 Kajang 03-8769 2999
KPJ Klang Specialist Hospital No 102, Persiaran Rajawali/KU1, Bandar Baru Klang, 41150 Klang 03-3377 7888
KPJ Selangor Specialist Hospital Lot 1, Jalan Singa 20/1, Seksyen 20, 40300 Shah Alam 03-5543 1111
KPJ Rawang Specialist Hospital Jalan Rawang, Bandar Baru Rawang,48000 Rawang 03-6099 8999
Manipal Klang Specialist Medical Center 168, Jalan Batu Unjur 1, Bayu Perdana, 41200 Klang 03-3324 3288
Pantai Hospital Klang Lot 5921, Persiaran Raja Muda Musa, 41200 Klang 03-3258 5500
Sri Kota Medical Centre Jalan Mohet, 41000 Klang 03-3373 3636
Subang Jaya Medical Centre 1, Jalan SS 12/1A, 47500 Subang Jaya 03-5639 1212
Sunway Medical Centre No. 5, Jalan Lagoon Selatan, Bandar Sunway, 46150 Petaling Jaya 03-7491 9191
Tropicana Medical Centre 11, Jalan Teknologi, PJU 5, Kota Damansara, 47810 Petaling Jaya 03-6287 1111
WILAYAH PERSEKUTUAN
Columbia Asia Hospital Setapak No 1, Jalan Danau Saujana, Off Jalan Genting Klang,53300 Kuala 03-4145 9999
Lumpur
Damai Service Hospital (HQ) 109-119, 1st Mile, Jalan Ipoh, 51200 Kuala Lumpur 03-4043 4900
Gleneagles Kuala Lumpur 282-286, Jalan Ampang, 50450 Kuala Lumpur 03-4257 1300
Hospital Pusrawi Lot 149, Jalan Tun Razak, 50400 Kuala Lumpur 03-2687 5000
Institut Jantung Negara 145, Jalan Tun Razak, 50400 Kuala Lumpur 03-2617 8200
International Specialist Eye Centre (ISEC) Level 7&8, Centrepoint South, The Boulevard, Mid Valley, 52900 Kuala 03-2283 5080
Lumpur
KPJ Tawakkal Hospital 202A, Jalan Pahang, 53000 Kuala Lumpur 03-4026 7777
Pantai Hospital Ampang Jalan Perubatan 1, Pandan Indah, 55100 Kuala Lumpur 03-4289 2828
Pantai Hospital Cheras No 1, Jalan 1/96A, Taman Cheras Makmur, 56100 Kuala Lumpur 03-9145 2888
Pantai Hospital Kuala Lumpur 8, Jalan Bukit Pantai, 59100 Kuala Lumpur 03-2296 0888
Parkcity Medical Centre No 2, Jalan Intisari Perdana, Desa Parkcity, 52200 Kuala Lumpur 03-5639 1212
Prince Court Medical Centre 3a, Jalan Kia Peng, 50450 Kuala Lumpur 03-2160 0000
Sentosa Medical Centre No. 36, Jalan Chemur, Kompleks Damai, 50400 Kuala Lumpur 03-4043 7166
Tung Shin Hospital 102, Jalan Pudu, 55100 Kuala Lumpur 03-2037 2288
UKM Specialist Centre 7th Floor, Clinical Block, UKM Medical Centre, Jalan Yaacob Latif, 03-9172 6064
Bandar Tun Razak, 56000 Cheras, Kuala Lumpur
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THOS/V02/05-2017
LIST OF PANEL HOSPITALS GREAT EASTERN TAKAFUL BERHAD

PANEL HOSPITALS ADDRESS TEL
NEGERI SEMBILAN
Columbia Asia Hospital Seremban No 292, Jalan Haruan 2, Oakland Commercial Park, 70300 Seremban 06-601 1988
KPJ Seremban Specialist Hospital Lot PT 6219 & 6220, Jalan Tioman 1, Kemayan Square, 70200 06-767 7800
Seremban
NSCMH Medical Centre Jalan Tun Dr Ismail, 70200 Seremban, 06-762 2104
Nilai Medical Centre PT 13717, Jalan BBN 2/1,71800 Nilai Seremban 06-8500 999
Salam Senawang Specialist Hospital No 234-243, Jalan Lavender Heights 2, Lavender Business Square 06-675 1188
70450 Senawang
MELAKA
Mahkota Medical Centre No 3, Mahkota Melaka, Jalan Merdeka, 75000 Melaka 06-285 2999
Oriental Melaka Straits Medical Centre Pusat Perubatan Klebang, 75200 Melaka 06-315 8888
Pantai Hospital Ayer Keroh No 2418-1, KM 8, Lebuh Ayer Keroh, 75450 Melaka 06-231 9999
JOHOR
Columbia Asia Hospital Nusajaya Persiaran Afiat, Taman Kesihatan Afiat, 79250 Nusajaya 07-233 9999
Gleneagles Medini No 2, Jalan Medini Utara 4, Medini, 79250 Nusajaya 07-560 1000
Kluang Utama Specialist Hospital No. 1, Susur 1, Jalan Besar, 86000 Kluang 07-771 8999
KPJ Johor Specialist Hospital 39-B, Jalan Abdul Samad, 80100 Johor Bahru 07-225 3000
KPJ Puteri Specialist Hospital 33, Jalan Tun Abdul Razak (Susur 5), 80000 Johor Bahru 07-225 3222
Medical Specialist Centre (JB) Wisma Maria, Jalan Ngee Heng, 80100 Johor Bahru 07-224 3888
Pantai Hospital Batu Pahat 9S, Jalan Bintang Satu, Taman Koperasi Bahagia, 83000 Batu Pahat 07-433 8811
Putra Specialist Hospital (Batu Pahat) 1, Jalan Peserai, 83000 Batu Pahat 07-413 3333
Regency Specialist Hospital No.1, Jalan Suria, Bandar Seri Alam, 81750 Masai, Johor Bahru 07-381 7700
PAHANG
Kuantan Medical Centre Jalan Tun Razak, Bandar Indera Mahkota, 25200 Kuantan 09-590 2828
Kuantan Specialist Centre 51, Jalan Alor Akar, Taman Kuantan, 25250 Kuantan 09-567 8588
TERENGGANU
Kuala Terengganu Specialist Hospital No 443B, Jalan Kamarudin, 20400 Kuala Terengganu 09-624 5353
KELANTAN
Kota Bharu Medical Centre Pt 179-184, Jalan Sultan Yahya Petra, Lundang, 15200 Kota Bahru 09-743 3399
Perdana Specialist Hospital Lot Pt 37 & 600, Seksyen 14, Jalan Bayam, 15200 Kota Bahru 09-745 8000
SABAH
Damai Specialist Hospital (Kota Kinabalu) Lorong Tepus 1, Off Jalan Damai, Luyang, 88300 Kota Kinabalu 088-222 922
Gleneagles Kota Kinabalu Riverson@Sembulan, Block A-1, Lorong Riverson@Sembulan, 88100 088-518 888
Kota Kinabalu
KPJ Sabah Specialist Hospital Lorong Bersatu, Off Jalan Damai, Luyang, 88300 Kota Kinabalu 088-211 333
SARAWAK
Bintulu Medical Centre Lot 6009, Block 31, Kemena Land District, 97000 Bintulu, Sarawak 086-330 333
Borneo Medical Centre Lot 10992, Sec 64, Jalan Tun Jugah, 93350 Kuching 082-507 333
Columbia Asia Hospital, Miri Lot 1035-1039, Jalan Bulan Sabit, 98000 Miri 085-437 755
Kuching Specialist Hospital Lot 10420, Block 11, Tabuan Stutong Commercial Centre, Jalan Setia 082-365 777
Raja, 93350 Kuching
Miri City Medical Centre 916-920 & 1203, Jalan Hokkien, CDT 100 , 98000 Miri 085-426 622
Normah Medical Specialist Centre Lot 937, Section 30 KTLD, Jalan Tun Abdul Rahman, Petra Jaya, 082-440 055
93050 Kuching
Rejang Medical Centre No.29, Jalan Pedada, 96000 Sibu 084-330 733
Sibu Specialist Medical Centre No 52A-F, Brooke Drive, 96000 Sibu 084-329 900
Timberland Medical Centre Lot 5164-5165, Block 19 KCLD, 2 ½ Mile, Jln Rock, Tmn Timberland, 082-234 466
93250 Kuching
Notes:
1. The list is correct as at time of printing. For the most updated list of panel hospital, please refer to
our Corporate Website at www.greateasterntakaful.com. Great Eastern Takaful Berhad reserves
the right to change/ update this list of panel hospital at any time such changes are deemed
necessary.
2. Should a member seek medical treatment in any other hospitals not listed above, guarantee letter
facility will not be available.
3. Certain Specialist may not be participating in our panel hospitals. Please refer to latest specialist
listing at our Corporate Website www.greasteasterntakaful.com.
4. These Panel Hospitals may collect DEPOSIT upon admissions, to cover the excess fee and the
non-covered. The DEPOSIT varies between hospitals and is subject to change at the hospital
management discretion.
Page 2 of 2 0510/022613/ 10
THOS/V02/05-2017
STAMP DUTY PAID
CERTIFICATE NO : 400939435-4
You, the Participant named in Takaful Schedule A of this certificate, have

agreed to enter into this contract of takaful (“this Certificate”) with Great
Eastern Takaful Berhad (“the Takaful Operator”).
This Certificate is made up of:
1. this Certificate document; and
2. the proposal and/or application and statements made by You and the
Person Covered; and
3. any endorsement made at the issue or subsequent to the issue of this
Certificate document; and
4. any provision applicable to the additional benefits described in the
Table of Supplementary Benefits of Takaful Schedule A of this
Certificate, made at the issue or subsequent to the issue of this
Certificate document, unless stated to be otherwise.
The Takaful Operator will, subject to the provisions and receipt of
contribution(s) under this Certificate, pay the sum covered stated in Takaful
Schedule A to You or entitled person(s) for claims payment if satisfactory
proof of happening of the event and the title of the person(s) claiming
payment has been received by the Takaful Operator.
This Certificate aims at diffusing the spirit of Takaful based on the principles
of shared responsibility, cooperation and common interest.
This Certificate is signed on the issue date.
Chief Executive Officer
TCCA/V06/07-2018 Page 1 of 1 0510/022613/ 11

TAKAFUL SCHEDULE A
TYPE OF PLAN: FAMILY TAKAFUL INVESTMENT-LINKED PLAN WITH IMMEDIATE SURRENDER VALUE
WHICH DEPENDS ON THE MARKET VALUE OF THE UNDERLYING ASSETS OF THE UNIT FUNDS. THIS
CERTIFICATE IS DEFINED AS TYPE B ILP.
i-GREAT AMAN
BASIC SUM COVERED CURRENCY AGE NEXT BIRTHDAY COMMENCEMENT DATE

RM52,827 RINGGIT MALAYSIA PERSON COV : 2 ADMITTED 30/09/2020
CERT OWNER :34 ADMITTED
BASIC CONTRIBUTION
REGULAR MONTHLY TAKAFUL CONTRIBUTION OF RM185.00. ADDITIONAL CONTRIBUTION MAY BE REQUIRED FOR
AUTO-EXTENSION OF COVERAGE.
EFFECTIVE DATE ISSUE DATE

30/09/2020 30/09/2020
OFFICE OF TAKAFUL OPERATOR FOR PAYMENT OF CONTRIBUTIONS AND BENEFITS

MALAYSIA
EVENT WHEN THE BASIC SUM COVERED WILL BECOME PAYABLE

UPON DEATH OF THE PERSON COVERED PRIOR TO THE MATURITY DATE OF 30/09/2098.
CERTIFICATE NO: 400939435-4 PROPOSAL NO: PEN/05437/20

CERTIFICATE OWNER :
MR MOHD AMIN BIN MOHD TAJUDDIN 861127-01-5117
PERSON COVERED :
CIK MARYAM ASYIFA BINTI MOHD AMIN 190923-07-0446
CERTIFICATE OWNER'S: 2566 JALAN KAMPUNG BINJAI CHEROK TOK KUN ATAS
ADDRESS 14000 BUKIT MERTAJAM
TABLE OF SUPPLEMENTARY BENEFITS

SUPPLEMENTARY LAST CONTRIBUTION EXPIRY
BENEFITS / RIDER DUE DATE DATE AMOUNT OF BENEFITS CONTRIBUTION ANNEXURE
IL PP 30/08/2098 30/09/2098 PR RM 2220.00/YR SEE TABARRU’ AL06
IL CBP 30/08/2043 30/09/2043 CR RM 2220.00/YR SEE TABARRU’ AL03
IL HB 30/08/2098 30/09/2098 RM 100 PER DAY SEE TABARRU’ AH01
IL MX150 30/08/2098 30/09/2098 SEE SCHEDULE OF BENEFITS SEE TABARRU’ AHMX
CR=CONTRIBUTION RIDERS
PR=PROVIDER RIDERS
SPECIAL PROVISIONS / ENDORSEMENTS

002( IL TPD) 003( IL CTPD) 008( SAssist) 009( CAP) 017( CIDEFN) 037( NOMTRU)
T004J( EXVEST)
*4009394354*
TSA7/V02/11-2019 Page 1 of 2 0510/022613/ 13
TABARRU'
TABARRU’ FOR BASIC BENEFIT AND INVESTMENT-LINKED OPTIONAL BENEFITS (AS DEFINED BELOW) SHALL BE
DEDUCTED EACH MONTH FROM PARTICIPANT’S UNIT ACCOUNT AT STANDARD RATES WHICH ARE APPLICABLE
TO YOU AND/OR THE PERSON COVERED.
INVESTMENT - LINKED OPTIONAL BENEFITS SHALL MEAN ALL OF THE FOLLOWING:

1) i-PROVIDER PLUS RIDER
2) i-CONTRIBUTOR BENEFIT PLUS RIDER
3) i-HOSPITALISATION BENEFITS RIDER
4) i-MEDIK XTRA RIDER
TSA7/V02/11-2019 Page 2 of 2 0510/022612/ 14

TAKAFUL SCHEDULE B
TYPE OF PLAN:
i-GREAT AMAN
FUND TYPES AVAILABLE FUND MANAGEMENT CHARGE
1. DANA i-MAKMUR 0.50%
2. DANA i-MEKAR 1.45%
3. DANA i-MAJMUK 1.25%
THE FUND MANAGEMENT CHARGE IN RESPECT OF EACH FUND MAY VARY BY THE TAKAFUL
OPERATOR.
SERVICE CHARGE
RM72.00 A YEAR (RM6.00 DEDUCTED EACH MONTH) OR AS REVISED BY THE TAKAFUL

OPERATOR.
CONTRIBUTIONS ALLOCATED TO CREATE UNITS
TAKAFUL CONTRIBUTION
FIRST YEAR'S CONTRIBUTION : 43.00 %
SECOND YEAR'S CONTRIBUTION : 43.00 %
THIRD YEAR'S CONTRIBUTION : 52.00 %
FOURTH YEAR'S CONTRIBUTION : 72.00 %
FIFTH YEAR'S CONTRIBUTION : 80.00 %
SIXTH YEAR'S CONTRIBUTION : 80.00 %
SEVENTH AND FOLLOWING YEAR'S CONTRIBUTIONS : 100.00 %
TAKAFUL CONTRIBUTION PAYABLE FOR AUTO-EXTENSION OF COVERAGE
100%
BALANCER
95%
INVESTMENT TOP-UPS
95%
UPFRONT CHARGE (UNALLOCATED CONTRIBUTION)

UPFRONT CHARGE IS DEDUCTED FROM THE CONTRIBUTION PAID FOR DISTRIBUTION
RELATED EXPENSES (INCLUDING AGENT’S COMMISSIONS) AND OTHER MANAGEMENT
EXPENSES INCLUDING STAMP DUTY OF RM10.
TSB16/V03/01-2020 Page 1 of 1 0510/022613/ 15

TAKAFUL SCHEDULE C
Standard Tabarru’ Rates Per Annum
Female Non-Smoker
Attained Age Tabarru’ Attained Age Tabarru’ Attained Age Tabarru’
Next Birthday Rate Per Next Birthday Rate Per Next Birthday Rate Per
On Preceding Annum Per On Preceding Annum Per On Preceding Annum Per
(Or RM1,000 (Or RM1,000 (Or RM1,000
Coincident) Sum Coincident) Sum Coincident) Sum
Certificate Covered Certificate Covered Certificate Covered
Anniversary * Anniversary * Anniversary *
1 1.41 34 1.41 67 19.96
2 1.41 35 1.41 68 22.58
3 1.41 36 1.41 69 24.60
4 1.41 37 1.41 70 22.74
5 1.41 38 1.41 71 25.06
6 1.41 39 1.41 72 27.70
7 1.41 40 1.52 73 30.45
8 1.41 41 1.63 74 33.46
9 1.41 42 1.75 75 36.79
10 1.41 43 1.90 76 40.51
11 1.41 44 2.08 77 44.48
12 1.41 45 2.29 78 48.76
13 1.41 46 2.55 79 53.43
14 1.41 47 2.87 80** 58.57
15 1.41 48 3.23 81** 64.21
16 1.41 49 3.63 82** 70.25
17 1.41 50 4.07 83** 76.72
18 1.41 51 4.57 84** 83.70
19 1.41 52 5.08 85** 91.23
20 1.41 53 5.64 86** 99.37
21 1.41 54 6.26 87** 108.07
22 1.41 55 6.94 88** 117.32
23 1.41 56 7.70 89** 127.10
24 1.41 57 8.55
25 1.41 58 9.45
26 1.41 59 10.41
27 1.41 60 11.39
28 1.41 61 12.37
29 1.41 62 13.28
30 1.41 63 14.21
31 1.41 64 15.25
32 1.41 65 16.54
33 1.41 66 18.14
* On Date of Tabarru’ Deduction

** Tabarru’ Deducted for Auto-Extension of Coverage
Note:
Tabarru’ for a Certificate Month
= Tabarru’ Rate Per Annum x Sum Covered at start of a Certificate Month ÷ 12
TCZN/V01/11-2019 Page 1 of 1 0510/022614/ 16

TAKAFUL SCHEDULE F
Standard Tabarru’ Rates Per Annum for i-Contributor Benefit Plus Rider (IL CBP)
Male Non-Smoker
Next Birthday* Rate** Next Birthday* Rate** Next Birthday* Rate**
1 1.76 34 2.17 67 47.10
2 1.76 35 2.22 68 50.66
3 1.76 36 2.30 69 54.08
4 1.76 37 2.50 70 51.82
5 1.76 38 2.71 71 55.62
6 1.76 39 2.95 72 59.30
7 1.76 40 3.32 73 63.72
8 1.76 41 3.71 74 68.02
9 1.76 42 4.18 75 73.45
10 1.76 43 4.70 76 79.32
11 1.76 44 5.26 77 85.46
12 1.76 45 6.09 78 93.72
13 1.76 46 6.74 79 100.87
14 1.76 47 7.64 80 108.39
15 1.76 48 8.56 81 116.53
16 1.76 49 9.60 82 125.17
17 1.76 50 10.78 83 139.21
18 1.76 51 11.87 84 148.75
19 1.76 52 13.13 85 158.85
20 1.76 53 14.36 86 169.48
21 1.79 54 15.53 87 180.02
22 1.81 55 16.84 88 191.66
23 1.82 56 18.25 89 203.63
24 1.84 57 19.89 90 216.17
25 1.85 58 21.68 91 229.19
26 1.88 59 23.15 92 242.75
27 1.89 60 24.75 93 261.26
28 1.91 61 26.58 94 280.59
29 1.93 62 28.73 95 301.57
30 1.97 63 31.11 96 324.61
31 2.00 64 33.71 97 349.78
32 2.05 65 39.41 98 377.20
33 2.11 66 43.92 99 406.89
* Attained Age Next Birthday on Preceding (or Coincident) Certificate Anniversary on Date of Tabarru’
Deduction
** Tabarru’ Rate Per Annum Per RM1,000 Sum Covered
Note:
Tabarru’ for Certificate Month
= Tabarru’ Rate Per Annum x Sum Covered at start of Certificate Month ÷ 12
TFMN/V02/01-2020 Page 1 of 1 0510/022614/ 17

TAKAFUL SCHEDULE I
Standard Tabarru’ Rates Per Annum for i-Provider Plus Rider (IL PP)
Female Non-Smoker
Next Birthday Rate Per Next Birthday Rate Per Next Birthday Rate Per
On Preceding Annum Per On Preceding Annum Per On Preceding Annum Per
(Or Coincident) RM1,000 (Or Coincident) RM1,000 (Or Coincident) RM1,000
Certificate Sum Covered Certificate Sum Covered Certificate Sum Covered
Anniversary * Anniversary * Anniversary *
1 0.85 34 1.57 67 19.03
2 0.77 35 1.69 68 21.15
3 0.73 36 1.84 69 23.97
4 0.67 37 2.03 70 19.09
5 0.61 38 2.22 71 20.00
6 0.60 39 2.41 72 20.85
7 0.58 40 2.53 73 22.53
8 0.57 41 2.76 74 24.24
9 0.55 42 3.17 75 26.02
10 0.55 43 3.42 76 27.83
11 0.57 44 3.65 77 30.28
12 0.57 45 3.93 78 32.95
13 0.57 46 4.21 79 35.62
14 0.57 47 4.46 80 38.41
15 0.60 48 5.08 81 41.40
16 0.63 49 5.39 82 44.85
17 0.65 50 5.76 83 48.62
18 0.66 51 6.12 84 52.57
19 0.68 52 6.49 85 56.95
20 0.72 53 6.90 86 61.91
21 0.73 54 7.02 87 67.46
22 0.73 55 7.21 88 73.71
23 0.75 56 7.73 89 79.94
24 0.76 57 8.11 90 86.71
25 0.79 58 8.56 91 94.04
26 0.81 59 9.29 92 101.86
27 0.84 60 10.52 93 110.12
28 0.89 61 11.69 94 118.70
29 0.99 62 12.60 95 127.81
30 1.10 63 13.55 96 137.53
31 1.22 64 14.58 97 148.03
32 1.32 65 15.63 98 153.60
33 1.43 66 17.48

Note:
Tabarru’ for Certificate Month
= Tabarru’ Rate Per Annum x Sum Covered at start of Certificate Month ÷ 12
TIFN/V01/12-2010 Page 1 of 1 0510/022614/ 18

TAKAFUL SCHEDULE K
Standard Tabarru’ Rates Per Annum for i-Hospitalisation Benefits Rider (IL HB)
Female Smoker/ Non-Smoker
Tabarru’ Rate Per Tabarru’ Rate Per Tabarru’ Rate Per
Attained Age Next Annum Per RM1 Daily Annum Per RM1 Daily Annum Per RM1 Daily
Birthday Hospitalisation Benefit Hospitalisation Benefit Hospitalisation Benefit
On Preceding (Or with respect to the with respect to the with respect to the
Coincident) Person Covered’s Person Covered’s Person Covered’s
Certificate Anniversary * occupation classification occupation occupation
of either 1 or 2 classification of 3 classification of 4
From To
1 5 0.50 0.63 0.76
6 10 0.36 0.44 0.53
11 15 0.36 0.44 0.53
16 20 0.40 0.50 0.60
21 25 0.48 0.61 0.72
26 30 0.48 0.61 0.72
31 35 0.50 0.63 0.76
36 40 0.61 0.77 0.91
41 45 0.71 0.89 1.07
46 50 0.84 1.05 1.26
51 55 1.07 1.34 1.61
56 60 1.52 1.90 2.29
61 65 2.10 2.63 3.15
66 70 3.15 3.94 4.73
71 75 4.73 5.91 7.09
76 80 7.09 8.86 10.64

Notes:
(1) Tabarru’ for Certificate Month
= Tabarru’ Rate Per Annum x Amount of Benefits ÷ 12
(2) Person Covered’s occupation classification under this Certificate is 2
TKHF/V01/12-2010 Page 1 of 1 0510/022615/ 19

TAKAFUL SCHEDULE L
Standard Tabarru’ Rates Per Annum for i-Medik Xtra 150 Rider (IL MX150)
Female Smoker/Non Smoker
Tabarru’ Rate Per Tabarru’ Rate Per Tabarru’ Rate Per
Attained Age Next Birthday Annum with respect Annum with respect Annum with
On Preceding (Or Coincident) to the Person to the Person respect to the
Certificate Anniversary * Covered’s occupation Covered’s Person Covered’s
classification of either occupation occupation
1 or 2 classification of 3 classification of 4
From To
1 5 554.00 693.00 831.00
6 10 442.00 553.00 663.00
11 15 442.00 553.00 663.00
16 20 602.00 753.00 903.00
21 25 648.00 810.00 972.00
26 30 648.00 810.00 972.00
31 35 665.00 831.00 998.00
36 40 723.00 904.00 1,085.00
41 45 872.00 1,090.00 1,308.00
46 50 1,051.00 1,314.00 1,577.00
51 55 1,351.00 1,689.00 2,027.00
56 60 1,723.00 2,154.00 2,585.00
61 65 2,279.00 2,849.00 3,419.00
66 70 3,518.00 4,398.00 5,277.00
71 75 5,699.00 7,124.00 8,549.00
76 79 7,453.00 9,316.00 11,180.00

Notes:
(1) Tabarru’ for Certificate Month
= Tabarru’ Rate Per Annum / 12
(2) Person Covered’s occupation classification under this Certificate is 2
TLCP/V01/02-2015 Page 1 of 1 0510/022615/ 20

SCHEDULE OF BENEFITS
CERTIFICATE NO : 400939435-4 CAR REGISTRATION NO: PMC7124

CERTIFICATE OWNER : MOHD AMIN BIN MOHD TAJUDDIN
CURRENCY: RINGGIT MALAYSIA
APPLICABLE BENEFITS PLAN : SEE SCHEDULE BELOW
OR AMOUNT
Item Covered Benefits Maximum Benefits

(1) Hospital Room and Board
RM 150 per day, subject to Overall Annual Limit
(subject to a maximum of 180 days in any
and/or Overall Lifetime Limit, whichever exceeded
Certificate Year for Covered Benefits (1) and
first.
(2) in aggregate)
(2) Intensive Care Unit
Certificate Year for Covered Benefits (1) and
(2) in aggregate)
(3) Hospital Supplies and Services
(4) Surgical Fees
(5) Operating Theatre
(6) Anaesthetist Fees
(7) In Hospital Physician Visit (subject to a
maximum of 2 visits per day)
As charged subject to Overall Annual Limit and/or
(8) Pre-Hospital Diagnosis Tests (within 60 days
Overall Lifetime Limit, whichever exceeded first.
prior to Hospitalisation)
(9) Pre-Hospital Specialist Consultation (within 60
days prior to Hospitalisation)
(10) Post-Hospitalisation Treatment (within 90 days
after discharge from Hospital)
(11) Organ Transplant
(12) Ambulance Fees
(13) Day Surgery
(14) Outpatient Cancer Treatment
(15) Outpatient Kidney Dialysis Treatment
(16) Intraocular Lens Up to RM 1,000 per eye and maximum of RM 2,000
per lifetime, subject to Overall Annual Limit and/or
Overall Lifetime Limit, whichever exceeded first.
(17) Emergency Accidental Outpatient Treatment Up to RM 3,000 in aggregate payable in any
(subject to a maximum of 30 days from the Certificate Year, subject to Overall Annual Limit
date of Accident) and/or Overall Lifetime Limit, whichever exceeded
first.
(18) Daily-Cash Allowance at Malaysian
RM 50 per day, subject to Overall Annual Limit
Government Hospital
and/or Overall Lifetime Limit, whichever exceeded
first.
Certificate Year)
(19) Initial Overall Annual Limit (excluding the
RM 90,000
cumulative Attaching Annual Limit, if any)
(20) Overall Lifetime Limit RM 900,000
(21) Accidental Death Benefit RM 10,000
(22) Accidental Total and Permanent Disability
RM 10,000
Benefit
Page 1 of 1 0510/022616/ 21
TB18/V01/02-2015
PRIVILEGES AND CONDITIONS
GLOSSARY (Clause 1)
1. DEFINITIONS AND INTERPRETATIONS
“Auto-Extension” or “Auto-Extension of Coverage” means the automatic extension of the

coverage of the Person Covered under this Certificate, as described in Clause 22 of this
Certificate.
“Balancer” means the amount of Contribution classified as Balancer, if any, in Takaful Schedule
A of this Certificate or in any subsequent endorsement issued by Us, as the case may be. For
Certificate with Contribution exceeding the maximum amount of Takaful Contribution allowed
under regulatory requirement based on chosen coverage, the amount in excess will be treated as
Balancer.
“Certificate Anniversary” means the anniversary of the Commencement Date.
“Certificate Year” means the period which starts on the Commencement Date and ends on the
day before the following Certificate Anniversary unless the Certificate is surrendered, lapsed or
matured.
“Commencement Date” means the date this Certificate commences as specified in Takaful
Schedule A. Where backdating is applied, the Commencement Date will be earlier than the
Effective Date.
“Contribution” means the Contribution specified in Takaful Schedule A or in any subsequent
endorsement issued by Us. In all cases, the Contribution comprises Takaful Contribution and
Balancer, if any. However, both Takaful Contribution and Balancer are dynamic depending on the
certificate options as exercised by You from time to time and subject to the terms and conditions
that We may impose at Our sole and absolute discretion.
“Contribution Holiday” means non-payment of Contribution for a period of time, during the
Contribution payment period whilst the Takaful Certificate is still inforce.
“Effective Date” means the date the coverage starts as specified in Takaful Schedule A.
“Grace Period” means the thirty (30) days period from each of the Contribution due dates to pay
for Your subsequent Contributions under this Certificate.
“Investment Loss/Profit” means the loss or profit arising from managing the investment of the
Tabarru’ Fund and Participant’s Unit Account in Shariah-compliant securities and activities.
“Investment Top-ups” means the additional Contribution paid by You for investment purposes at
any time whilst the Certificate is inforce and will be channeled into the Participant’s Unit Account,
subject to the terms and conditions.
“Maturity Date” means the date the coverage ceases as specified in Takaful Schedule A.
"Misrepresentation" means the definition ascribed to it under the Islamic Financial Services Act
2013 and which includes innocent, reckless or deliberate misrepresentation.
“Monthly Deduction Date” means the due date of the monthly Service Charge and Tabarru’ are
deducted.
“Net Asset Value” means the value of a Unit of a Fund as determined by Us on a business day.
“Participant” means the Certificate Owner as specified in Takaful Schedule A.
“Participant’s Unit Account” or “PUA” means the account which consists of the Total Account
Value where part of Your Contributions and any surplus and/or profit under this Certificate shall be
allocated.
“Person Covered” means the person who is covered under this Certificate as specified in
Takaful Schedule A.
“Qard Hasan” means the benevolent loan provided by Us in the event of a deficit in Tabarru’
Fund.
“Sum Covered” means the coverage amount as specified in Takaful Schedule A or in any
subsequent endorsement issued by Us.
“Tabarru” means a portion of Your Contribution allocated into the Tabarru' Fund for the purpose
of mutual help among the Participants to pay the Takaful benefits.
“Tabarru’ Fund” means a pool of funds established for the purpose of solidarity and cooperation
among the Participants in Tabarru’ Fund for misfortune events (payment of claims).
TPCAX/V02/11-2019 Page 1 of 14 0510/022616/ 23

“Takaful Contribution” means the amount of Contribution classified as Takaful Contribution in

Takaful Schedule A or in any subsequent endorsement issued by Us. Takaful Contribution is part
of the Contribution which is used predominantly to provide Takaful benefits to the Person
Covered.
"Takaful Operator", “Our", "Us" or "We” means Great Eastern Takaful Berhad.
“Total Account Value” means the total value based on the Net Asset Value at the Next
Valuation Date, of all the Units allocated to this Certificate, aggregated over all the funds
established by Us.
“Upfront Charge” or “Unallocated Contribution” means the charge imposed upfront according
to the percentage of Contribution paid, to pay for the management expenses and this amount is
not allocated into the PUA.
“Underwriting Surplus” means excess in the Tabarru’ Fund after deduction of claims and
reserve purpose, if any.
“Valuation Date” means the date on which We carry out a valuation to determine the Net Asset
Value of a Unit; and “Next Valuation Date”, in relation to a given transaction refers to the Valuation
Date immediately following the date of transaction.
“You” or “Your” means the Participant named in Takaful Schedule A.
If not specifically provided, the following interpretations will apply to this Certificate:
1.1 Any reference to a “business day” is to a day (not being a Saturday, Sunday or a Public
Holiday in Kuala Lumpur, Malaysia) that Our Head Office open for business in Malaysia and
any reference to a “day”, “week”, “month” or “year” is to that day, week, month or year in
accordance with the Gregorian calendar.
1.2 All schedules, annexures, endorsements and attachments to this Certificate shall form part
of this Certificate. If there is any conflict or discrepancy between the schedules with any of
the provisions of this Certificate mentioned in the Privileges and Conditions, the terms and
conditions in Privileges and Conditions of this Certificate will prevail.
BASIS OF CONTRACT (Clause 2)
2. TAKAFUL CERTIFICATE
2.1 This Certificate is issued in consideration of the Contribution payment received by Us and
according to;
2.1.1 the answers provided by You and/or the Person Covered in Your application or
Proposal for Family Takaful (“Proposal”) or any subsequent questionnaires
provided by Us on any matters relating to Your Proposal and any disclosures made
by You between the time of submission and the time this Takaful Certificate takes
effect; and
2.1.2 any other reports and questionnaires;
(collectively referred to as “Material Information”).
Such Material Information shall form part of this contract of Takaful between Us and You.
However, in the event of any pre-contractual Misrepresentation made in relation to such
Material Information, the remedies in Schedule 9 of the Islamic Financial Services Act 2013
will apply.
2.2 It is Your duty to take reasonable care not to make any misrepresentation when answering
the questions or confirming or amending any matter previously disclosed before this
Certificate is renewed or varied.
2.3 You must inform Us of any changes to the information provided in Your answers or in
respect of any matter previously disclosed to Us if such changes had taken place after You
have submitted the application for renewal or variation but before this Certificate is renewed
or varied.
2.4 This Certificate may be varied with the consent in writing of Our Chief Executive Officer or
any person appointed by Our Board of Directors by way of special provision or
endorsement ("the Document") to this Certificate. Any subsequent variation will take effect
from the date of the Document and be deemed part of this Certificate.
TPCAX/V02/11-2019 Page 2 of 14 0510/022616/ 24

FUND INFORMATION (Clauses 3 - 7)
3. TYPES OF FUNDS
3.1 In order to ascertain the benefits payable under this Certificate and other similar certificates,
We have established the following Funds (“Fund” or “Funds”, as the case may be) together
with their respective objectives:
3.1.1 Dana i-Makmur
A fund which invests in Islamic fixed income securities, for example government
and corporate sukuk (ranging from forty percent (40%) to one hundred percent
(100%)) as well as Islamic deposits. This fund seeks to provide consistent return at
low levels of volatility. Although the fund invests mainly in Malaysia, it may also
partially invest in foreign Shariah approved fixed income securities (up to fifty
percent (50%)) to enhance the fund’s returns. Dana i-Makmur only invests in
Shariah-compliant securities.
3.1.2 Dana i-Mekar
A fund where investments are in Shariah-compliant equities (ranging from eighty
percent (80%) to one hundred percent (100%)), which may be volatile in the short
term, as well as Islamic deposits. This fund seeks to achieve medium to long-term
capital appreciation. Although the fund invests mainly in Malaysia, it may partially
invest in Singapore (up to twenty-five percent (25%)) and Hong Kong (up to
twenty-five percent (25%)), if and when necessary, to enhance the fund’s returns.
Dana i-Mekar only invests in Shariah-compliant securities.
3.1.3 Dana i-Majmuk
A fund which invests in a mixture of Shariah-compliant equities, Islamic fixed
income securities and Islamic deposits. There is flexibility in asset allocation as this
fund may invest solely in Islamic fixed income securities or Shariah-compliant
equities. This fund seeks to provide medium to long-term capital appreciation, with
a moderate level of volatility. Dana i-Majmuk only invests in Shariah-compliant
securities.
3.2 Each Fund is denominated in Units (“Unit” or “Units”, as the case may be) of equal value.
The value of each Unit will fluctuate from time to time.
3.3 We may establish additional Funds from time to time at Our sole and absolute discretion.
Under such circumstance, the provisions of this Certificate shall apply (unless
inappropriate) to the additional Funds.
4. MANAGEMENT OF THE FUNDS
4.1 We may invest the assets of the Funds at Our sole and absolute discretion.
4.2 Income from the assets of the Funds will be credited to the respective Funds.
4.3 We may at any time and from time to time issue new Units or cancel Units in any or all of
the Funds.
4.4 We reserve the right to withdraw or close any of the Funds as listed in the Clause 3.1 above
(subject to the approval of the relevant authorities, if applicable). Under such circumstance,
You may choose either to redeem those Units or to direct Us to switch those Units to Units
of any other Funds offered by Us at that time.
4.5 If We do not receive any instruction in writing from You within the time period stipulated by
Us prior to the withdrawal or closure of the Fund, We reserve the right to switch the
remaining Units in that particular Fund of this Certificate to any other Funds offered by Us at
that time.
4.6 We reserve the right to rename any of the Funds if it deems necessary and appropriate.
TPCAX/V02/11-2019 Page 3 of 14 0510/022616/ 25

4.7 We may undertake an exercise to consolidate and/or to split the Units of any one or more of
the Funds to bring about an increase (in the case of an exercise to consolidate the said
Units) or a reduction (in the case of an exercise to split the said Units) in the prices of each
of the affected Funds if it deems necessary and appropriate. The exercise shall be carried
out in the manners and conditions as determined by Us, at Our absolute discretion,
provided that the monetary value of the investment under this Certificate will not be affected
in any manner as a result of such exercise.
4.8 We may delegate the management of the Funds to any person or fund management
organization on such terms as We may determine.
4.9 Any change made to the management of Funds such as but not limited to the Fund’s
objectives, strategies, asset allocation and risk management strategy will be notified to You
by giving at least three (3) months advance written notice in accordance with ‘Notices and
Correspondence’ clause of this Privileges and Conditions.
5. UNIT PRICE
5.1 Each Unit of a Fund will have a Net Asset Value as determined by Us that shall be final and
conclusive and be binding on You.
5.2 We will value each Unit of a Fund daily, which is also a business day, to determine the Net
Asset Value.
5.3 We will determine the Net Asset Value which shall not be lower than the value of the given
Fund (as described under Clause 6 below), divided by the number of Units of the given
Fund in issue on the business day before the Valuation Date. The result will be rounded
down to the nearest tenth of a sen.
6. VALUATION OF FUNDS
6.1 The values of each Fund will be calculated as being the sum of:
6.1.1 the values of the assets (as described in Clause 6.2 below) making up the Fund;
6.1.2 cash held uninvested in the Fund on the business day before the Valuation Date;
6.1.3 income accrued or attributable to the Fund on the business day before the
Valuation Date; and
6.1.4 less deductions as provided for in Clause 7.1 below, on business day before the
Valuation Date.
6.2 The values of the assets must not be less than the market price for which the asset may be
sold on the business day before the Valuation Date, less any charge, tax, duties and other
expenses which would be incurred in its disposal.
7. FUND DEDUCTIONS
7.1 We will deduct a sum from each Fund to pay for:

7.1.1 the Fund Management Charge;
7.1.2 all expenses, taxes, duties and other charges incurred in the purchase, sale,
valuation and maintenance of the investments of the Fund; and
7.1.3 any tax on the income of the Fund or any capital gain on the assets of the Fund or
provisions for such tax due but not yet paid, including provisions for tax on
unrealised capital gains where such a tax would be payable if the gains had been
realised on the date the asset was valued.
7.2 The amount of the Fund Management Charge to be deducted from each Fund at each
Valuation Date will be
number of days x (k% x Value of Fund)
250
where:
“number of days” means the number of business days after the preceding Valuation Date
up to and inclusive of the current Valuation Date;
“k%” means the percentage charge for the appropriate Fund as specified in Takaful
Schedule B; and
“Value of Fund” means the value determined by Us (as determined under Clause 6
above) of the appropriate Fund before the deduction of the Fund Management Charge.
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7.3 The Fund Management Charge for each Fund is specified in Takaful Schedule B. We may
vary the Fund Management Charge (subject to the prior approval of the relevant authorities,
if applicable) by giving at least three (3) months advance written notice to You in
accordance with ‘Notices and Correspondence’ clause of this Privileges and Conditions.
CONTRIBUTION AND CHARGES (Clauses 8 - 12)
8. CONTRIBUTION
8.1 The allocated Contribution (after deduction of Upfront Charge) will be apportioned to the
Funds as specified by You in the proposal for Family Takaful or any other document
prescribed and accepted by Us for Contribution apportionment or alteration of Contribution
apportionment. The apportioned Contribution will be used to purchase Units of the Funds
according to the allocation rate as specified in Takaful Schedule B and will be based on the
Certificate Anniversary.
8.2 The number of Units to be allocated to this Certificate for the first Contribution will be
determined by reference to their respective Net Asset Value on the Next Valuation Date
after the later of:
8.2.1 the date on which the Contribution is received by Us and an official receipt issued
for the payment; or
8.2.2 the date on which the proposal is accepted by Us. For the purpose of this Clause,
this date refers to the date of the Letter of Conditions of Acceptance (“LCA”) if
issued without any condition stated in the LCA or if the LCA is issued with
conditions, it will be the date that all the conditions are fulfilled.
8.3 The number of Units to be allocated to this Certificate for the second and subsequent
Contribution will be determined by reference to their respective Net Asset Value on the Next
Valuation Date on which the Contribution is received and such payment record has been
updated by Us.
8.4 The number of Units of each Fund allocated to this Certificate will be rounded off to the
nearest two (2) decimal places.
9. UPFRONT CHARGE
9.1 The Upfront Charge is a charge on the Contribution, paid upfront and is used to meet Our
expenses and management cost.
9.2 If the Contribution is paid on annual, half-yearly or quarterly basis and in the event this
Certificate is surrendered or terminated due to any provisions before the date of the next
Contribution due, the Upfront Charge (other than the first year Upfront Charge) less actual
expenses incurred will be refunded.
9.3 Other expenses include Stamp Duty of Ringgit Malaysia ten (RM10).
10. TABARRU’
10.1 We will deduct the monthly Tabarru’ beginning from the Commencement Date, from the
PUA by cancelling Units valued at their respective Net Asset Value on the Next Valuation
Date following each due date of the Tabarru’. The Tabarru’ will then be credited to Tabarru’
Fund.
10.2 The Tabarru’ in respect of the Sum Covered will be calculated at Our rates based on the
attained age next birthday of the Person Covered which falls on or prior to a Certificate
Anniversary preceding each due date of Tabarru’.
10.3 The Tabarru’ rates may vary in accordance with Sum Covered, age next birthday, gender,
smoking status, health and non-health related condition such as occupation, residential,
aviation and avocation of the Person Covered and these rates are specified in Takaful
Schedule C.
10.4 In the event of Contribution Holiday while this Certificate is inforce, We will still deduct the
Tabarru’ according to the sequence mentioned above, as long as the amount in the PUA is
still sufficient for the deduction.
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11. SERVICE CHARGE
11.1 We will deduct the monthly Service Charge beginning from the Commencement Date, from
the PUA by cancelling Units valued at their respective Net Asset Value on the Next
Valuation Date following each due date of the Service Charge.
11.2 The Service Charge is specified in Takaful Schedule B.
11.3 The Service Charge will continue to be deducted even though the Certificate is on
Contribution Holiday.
12. VARIATION OF CONTRIBUTION, TABARRU RATES AND OTHER CHARGES
12.1 We may vary the Contribution and any regular Investment Top-ups in the event the actual
sustainability of this Certificate is reduced due to revision of the Tabarru’ or upon
Auto-Extension of Coverage, Tabarru’ rates, Service Charge and other charges ("Rates and
Charges") under this Certificate by giving at least three (3) months’ advance written notice
to You in accordance with the ‘Notices and Correspondence’ Clause. Any revision to
increase the Rates and Charges shall take effect on the Certificate Anniversary immediately
following the expiry of the three (3) months’ advance written notice. For any revision to
decrease the Rates and Charges, We reserve the right to implement it immediately without
giving any notice to You.
12.2 The revised Contribution and any regular Investment Top-ups will follow the allocation rate
as specified in Takaful Schedule B of this Certificate according to the Certificate Year.
LAPSE AND REINSTATEMENT (Clauses 13 - 14)
13. GRACE PERIOD AND TERMINATION
13.1 You are allowed up to thirty (30) days (“the Grace Period”) from each of the Contribution
due dates to pay Your subsequent Contributions under this Certificate.
13.2 If any claim occurs during the Grace Period, any amount of indebtedness under this
Certificate will be deducted from the claim proceeds payable.
13.3 Upon expiry of the Grace Period, this Certificate will lapse and has no further value if the
Total Account Value is insufficient.
13.4 For the avoidance of doubt, this Certificate will continue to be inforce provided the PUA
remains sufficient for all the Service Charge and Tabarru’ deduction on each due date. In
the event that any remaining balance in PUA is insufficient to cover all the Service Charge
and Tabarru’, this Certificate will continue for a pro-rated period in proportion to the
remaining balance of PUA. The Certificate will be terminated at the end of the pro-rated
period.
14. REINSTATEMENT
14.1 If this Certificate is terminated due to lapse, You may reinstate this Certificate within three
(3) years from the date of termination, at Our discretion subject to the following conditions:
14.1.1 Your written application for reinstatement is received by Us;
14.1.2 the Person Covered is within the allowable age limit as determined by Us at the
time of reinstatement;
14.1.3 Your justification to be covered is satisfactory and accepted by Us and if any
medical report and/or test is required by Us, all costs in relation to these medical
reports and/or tests are to be borne by You;
14.1.4 You must inform Us of any change in the health of the Person Covered or any
circumstances that may affect the health of the Person Covered up to the date of
reinstatement;
14.1.5 You must pay all outstanding Contributions to Us; and
14.1.6 any other conditions that We may need to impose.
14.2 We will approve, reject or impose additional conditions in writing on Your application for the
reinstatement at Our sole and absolute discretion.
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14.3 If there is Misrepresentation made in Your application for reinstatement and where this
Certificate has been in effect for two (2) years or less from the date of any reinstatement,
We may, at Our sole and absolute discretion, void the Certificate if the Misrepresentation
made is classified as follows:
14.3.1 a deliberate or reckless Misrepresentation;
14.3.2 a careless or innocent Misrepresentation, in which We would not have reinstated
this Certificate; or
14.3.3 a careless or innocent Misrepresentation, in which We would have reinstated this
Certificate.
14.4 If there is any Misrepresentation made in Your application for reinstatement and where this
Certificate has been in effect for more than two (2) years from the date of any
reinstatement, We may, at Our sole and absolute discretion, void the Certificate if the
Misrepresentation made is classified as a deliberate or reckless Misrepresentation in which
We would not have reinstated this Certificate.
14.5 If this Certificate is invalidated or void pursuant to Clause 14.4 above, Our liability shall be
limited to the refund of the unearned Upfront Charge and Total Account Value (excluding
Investment Profit and/or Underwriting Surplus, if any) less expenses which may have been
incurred for the medical examination of the Person Covered as well as any indebtedness
under this Certificate. Investment Profit and/or Underwriting Surplus, if any, will be
forwarded to any charitable organisation(s) approved by Our Shariah Committee.
NO-LAPSE FACILITY (Clause 15)
15. NO-LAPSE FACILITY
15.1 This Certificate and its attaching supplementary benefits, if any, will not lapse within the first
three (3) Certificate Years from the Commencement Date, if the Total Account Value is
insufficient on the Monthly Deduction Date, provided that:
15.1.1 all the Contribution of this Certificate due prior to such Monthly Deduction Date
have been paid on each Contribution due date or during the Grace Period; and
15.1.2 there has not been any withdrawal of any Units prior to such Monthly Deduction
Date.
15.2 Pursuant to Clause 15.1 above, any unpaid Service Charge and Tabarru’ will be advanced
from Takaful Operator’s Fund on the basis of Qard and will be recovered when:
15.2.1 the Contribution of this Certificate is paid;
15.2.2 the Investment Top-up(s) is (are) paid;
15.2.3 the Investment Profit from Tabarru’ Fund is distributed; or
15.2.4 the Underwriting Surplus is distributed,
until the unpaid Service Charge and Tabarru’ are fully repaid.
15.3 If any claim occurs when this Certificate continues to be inforce pursuant to Clause 15.1
above, any unpaid Service Charge and Tabarru’ will be deducted from the claim proceeds
payable under this Certificate.
CERTIFICATE OPTIONS (Clauses 16 - 21)
16. INCREASE/REDUCTION OF CONTRIBUTION
You may increase or reduce the Contribution subject to the following conditions and other
conditions that We may impose:
16.1 any increase or reduction to the Contribution will take effect from the next Contribution due
date;
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16.2 We will treat any increase in the Contribution as a new Contribution for the purpose of
applying the appropriate Contribution allocation rate as specified in Takaful Schedule B. For
the purpose of this clause, the year in Takaful Schedule B is the year that the Contribution
is due and payable in relation to the date of Contribution increase; and
16.3 if the Sum Covered after the Contribution adjustment is higher than the maximum allowed
by Us at that time, the Sum Covered will be revised to that maximum. Similarly, if the Sum
Covered after the Contribution adjustment is lower than the minimum allowed by Us at that
time, the Sum Covered will be revised to that minimum.
17. INCREASE/REDUCTION OF SUM COVERED
You may increase or reduce the Sum Covered subject to the following conditions and other
conditions that We may impose:
17.1 any request for change in Sum Covered will take effect from next Tabarru’ due date; and
17.2 the Sum Covered must be within the Sum Covered limits as determined by Us.
18. INVESTMENT TOP-UPS
You may apply to Us to pay Investment Top-ups under this Certificate at any time, subject to the
same being accepted by Us and the following conditions and other conditions that We may
impose:
18.1 You must first pay in full the Contribution due from the Commencement Date until and
including the Certificate Year in which the Investment Top-ups is sought to be made;
18.2 the Investment Top-ups must be within the Investment Top-ups limits as determined by Us;
and
18.3 the number of Units for the Investment Top-ups to be allocated to this Certificate will be
determined by reference to their respective Net Asset Value on the Next Valuation Date
after the date on which the Investment Top-ups is received by Us and as evidenced by an
official receipt issued for the payment.
19. PARTIAL WITHDRAWAL/WITHDRAWAL OF UNITS
You may request Us to cancel some of the Units allocated to this Certificate from the PUA,
subject to the following conditions and other conditions that We may impose:
19.1 We may decide not to cancel Units if:
19.1.1 the value of the Units being cancelled; or
19.1.2 the value of the remaining Units allocated to any Fund under this Certificate,
is less than the minimum allowed by Us at that time; and
19.2 the amount payable upon cancellation of the Units will be equal to the value of the
cancelled Units at their respective Net Asset Value on the Next Valuation Date after We
have received Your request on Our prescribed form on a business day.
20. SURRENDER
20.1 You may request Us to cancel all Units allocated to this Certificate from the PUA, subject to
the following conditions and other conditions that We may impose:
20.1.1 the amount payable upon cancellation of the Units will be equal to the value of the
cancelled Units at their respective Net Asset Value on the Next Valuation Date, if
any, after We have received Your request on Our prescribed form on a business
day; and
20.1.2 upon payment of the amount payable under Clause 20.1.1, this Certificate will be
terminated and all benefits and rights under it shall cease.
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21. SWITCHING
You may request Us to cancel some Units of any Fund and with the value of Units being
cancelled to purchase Units of any other Fund(s) which will be allocated to this Certificate, subject
to the following conditions and other conditions that We may impose:
21.1 Units will be cancelled and purchased at their respective Net Asset Value on the Next
Valuation Date after either the date of receipt of Your request on Our prescribed form on a
business day or any other date specified by You which is a business day, whichever is
later; and
21.2 We may decide not to cancel or purchase Units if:
21.2.1 the value of the Units to be cancelled or purchased; or
21.2.2 the value of the remaining Units allocated to any Fund under this Certificate, is less
than any minimum allowed by Us at that time.
AUTO-EXTENSION OF COVERAGE (Clause 22)
22. AUTO-EXTENSION OF COVERAGE
22.1 While this Certificate is inforce and subject to the terms and conditions, upon survival of the
Person Covered up to each of the Maturity Date of this Certificate, We shall automatically
extend this Certificate including any of its attaching supplementary benefits for a further
period of ten (10) years up to age ninety (90) years next birthday without requiring evidence
of protection. There will be no Auto-Extension of Coverage if the Person Covered has
reached ninety (90) years attained age next birthday on any particular Maturity Date.
22.2 The following conditions shall apply upon each Auto-Extension:
22.2.1 this Certificate and its attaching supplementary benefits (if any) will be extended at
the same level of coverage as subsisting prior to the Auto-Extension. The same
terms and conditions that have been imposed on this Certificate shall be applicable
to the extended coverage.
22.2.2 any attaching supplementary benefits will not be extended if:
22.2.2.1 the supplementary benefits have expired or terminated prior to or upon
Auto-Extension; or
22.2.2.2 the supplementary benefits have reached the maximum coverage term.
22.2.3 We will continue to deduct Service Charge and Tabarru’ from the Total Account
Value during the Auto-Extension of this Certificate.
22.2.4 Clause 15 of this Certificate and any waiting period for benefits shall not be
applicable upon Auto-Extension.
22.3 The Contribution payable for the Auto-Extension of Coverage may be different, and shall be
based on the attained age next birthday of the Person Covered upon Auto-Extension of this
Certificate and any underwriting decision that has been imposed on this Certificate prior to
the Auto-Extension.
22.4 You may terminate the Auto-Extension by notifying Us at least thirty (30) days prior to each
Maturity Date of this Certificate.
INVESTMENT PROFIT AND SURPLUS DISTRIBUTION (Clauses 23 - 24)
23. INVESTMENT PROFIT/LOSS
23.1 Any Investment Profit or Investment Loss from the PUA, shall be reflected in the Unit Price.
23.2 Any Investment Profit or Investment Loss from the Tabarru’ Fund, shall be calculated and
distributed annually, after each financial year.
23.3 Any Investment Profit from the Tabarru’ Fund will be shared between You and Us in the
proportion of fifty percent (50%) and fifty percent (50%) respectively. Your share of
Investment Profit in the Tabarru’ Fund will be allocated into the PUA in the form of creation
of Units.
23.4 Any Investment Loss in the Tabarru’ Fund will be carried forward and accounted for before
arriving at Underwriting Surplus (or deficit) on the next financial year.
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24. UNDERWRITING SURPLUS
24.1 The Underwriting Surplus shall be calculated and distributed annually, after each financial
year.
24.2 Any Underwriting Surplus that is distributable will be determined after a suitable proportion
of it is held back for contingency purpose before it is shared between You and Us in the
proportion of fifty percent (50%) and fifty percent (50%) respectively. Your share of
Underwriting Surplus will be allocated to the respective PUA in the form of creation of Units.
24.3 Any unutilised amount of Underwriting Surplus held back for contingency purpose, will be
included in the calculation of the Underwriting Surplus for the next financial year.
24.4 The Underwriting Surplus (if any) will not be distributed if in Our judgement, the surplus
should remain in the Tabarru’ Fund to maintain the ability to meet future liabilities or to meet
Your reasonable expectations not specifically provided for in Our actuarial valuation.
24.5 In the event of any deficit from the Tabarru’ Fund, there will be no Underwriting Surplus
distribution for the respective financial year. Under such circumstance, the deficit will be first
funded by the amount allocated for contingency purposes. If the Tabarru’ Fund is still in
deficit, Qard Hasan will be arranged. The Qard Hasan will be carried forward to the
following financial year and any surplus will be used to pay off Qard Hasan (if any) to Us
before it is it is being distributed.
BENEFITS AND CERTIFICATE CONDITIONS (Clause 25 - 27)
25. DEATH BENEFIT
25.1 While this Certificate is inforce and subject to the terms and conditions, if death of the
Person Covered occurs on or after the Certificate Anniversary on which the Person
Covered attains the age of five (5) years next birthday, the Total Account Value as at the
Next Valuation Date immediately following the notification of death, if any, and the Sum
Covered as at the date of death from the Tabarru’ Fund, shall be payable. However, if
death of the Person Covered occurs before the Certificate Anniversary on which the Person
Covered attains the age of five (5) years next birthday, the following shall be payable:
25.1.1 the Total Account Value as at the Next Valuation Date immediately following the
notification of death, if any, and
25.1.2 the Revised Amount of Sum Covered in accordance with the table below from the
Tabarru’ Fund:
Age Next Birthday of the Person Revised Amount of

Covered on Certificate Anniversary Sum Covered
preceding Death
1 20% of the Sum Covered
In addition, if death occurs prior to the first (1st) Certificate Anniversary, the age
next birthday of the Person Covered on the Commencement Date shall be used to
determine the Revised Amount of Sum Covered payable by Us.
25.2 Notification of death must be accompanied by documentary evidence of death.
25.3 The amount of any indebtedness under this Certificate as well as any withdrawal made
between the date of death and date of notification of death will be deducted from the claim
proceeds payable.
25.4 The number of Units cancelled to pay for Tabarru’ and Service Charge due after the date of
death will be reinstated and the Total Account Value will include the value of these Units.
25.5 This Certificate will be terminated upon death and all benefits and rights (except the amount
payable under Clause 25.1 above and other provisions for payment of benefits, if any,
under this Certificate) under it shall cease.
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26. COMPASSIONATE BENEFIT
26.1 While this Certificate is inforce and subject to the terms and conditions, upon death of the
Person Covered, We shall pay the Compassionate Benefit of RM2,000 from the Tabarru’
Fund in one lump sum.
Provided that:
The required documentary evidence of death and/or other evidence satisfactory to Us are
submitted to Us accordingly.
26.2 For the avoidance of doubt, the payment of the Compassionate Benefit does not constitute
an admission of liability by Us to pay the death benefit and any other benefit(s) under this
Certificate and all Certificates issued by Us on the same Person Covered.
27. MATURITY BENEFIT
While this Certificate is inforce and subject to the terms and conditions of this Certificate, upon
survival of the Person Covered up to the Maturity Date, We shall pay any amount left in the Total
Account Value as at the Maturity Date less any indebtedness under this Certificate. In the event
that the amount is Ringgit Malaysia ten (RM10) or below, We will donate on your behalf such
amount to any charitable organisation(s) approved by Our Shariah Committee. However, if You
decide otherwise, a formal written request must be submitted to Us.
This Certificate shall be terminated on the Maturity Date and all benefits and rights under it shall
cease. If You have not notified Us to terminate the Auto-Extension feature, this benefit shall only
be paid on the expiry of the Auto-Extension of Coverage.
OTHER PROVISIONS (Clauses 28 - 41)
28. CONFIRMATION OF AGE
28.1 You must prove the true age of the Person Covered to Us before We are required to pay
any benefit under this Certificate unless this information has been previously verified and
confirmed by Us to be correct.
28.2 We are entitled to adjust the Sum Covered, and the surplus or profit allocated to, or reduce
the Contribution, under this Certificate, according to the true age of the Person Covered if it
was incorrectly stated in the proposal for Family Takaful.
29. PERMISSIBLE TAKAFUL INTEREST
29.1 If the Takaful coverage is provided to a Person Covered other than Yourself, You shall have
Permissible Takaful Interest in the Person Covered at the time the contract of Takaful is
entered into and at the time the Takaful benefits are payable.
29.2 For the purpose of this Clause, You shall be deemed to have a Permissible Takaful Interest
in the Person Covered if the Person Covered is:
29.2.1 Your spouse or child;
29.2.2 Your ward under the age of majority at the time You entered into the contract of
Takaful;
29.2.3 Your employee; or
29.2.4 a person on whom he is wholly or partly dependent for maintenance or education
at the time he entered into the contract of Takaful.
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30. SUICIDE
If the Person Covered, whether sane or insane, commits suicide within one (1) year from the
Effective Date or from the date of any reinstatement, whichever is later, this Certificate shall be
rendered void and Our liability shall be limited to the refund of the following:
30.1 any amount of Contributions that have not been allocated to purchase Units;
30.2 any Total Account Value of this Certificate (excluding Underwriting Surplus, if any); and
30.3 total values of the Units deducted for Tabarru’ and Service Charge based on the Net Asset
Value on the Next Valuation Date.
31. INDISPUTABILITY
31.1 We will not dispute the validity of this Certificate during the lifetime of the Person Covered
after two (2) years from the Effective Date, or from the date of any reinstatement, whichever
is later, unless there is fraud.
31.2 In the event that this Certificate is invalidated or void for any reason (except for the reason
specified under Clause 28), Our liability shall be limited to the refund of the following, if any:
31.2.1 unearned Upfront Charge; and
31.2.2 Total Account Value (excluding Investment Profit and/or Underwriting Surplus, if
any);
less expenses which may have been incurred for the medical examination of the Person
Covered, as well as any indebtedness under this Certificate. Investment Profit and/or
Underwriting Surplus, if any, will be forwarded to any charitable organisation(s) approved by
Our Shariah Committee.
32. REMEDIES FOR MISREPRESENTATION
32.1 This Clause shall only apply if the duration of this Certificate is two (2) years or less from
the Effective Date.
32.2 We may, at Our sole and absolute discretion, void the Certificate in the event of any
pre-contractual Misrepresentation made by You on all Material Information in applying for
this Certificate, if such Misrepresentation is classified as:
32.2.1 a deliberate or reckless Misrepresentation;
32.2.2 a careless or innocent Misrepresentation, in which We would not have issued or
renewed this Certificate; or
32.2.3 a careless or innocent Misrepresentation, in which We would have issued or
renewed this Certificate.
32.3 If this Certificate is invalidated or void pursuant to Clause 32.2.1 above, Our liability shall be
limited to the refund of the following, if any:
32.3.1 unearned Upfront Charge; and
32.3.2 Total Account Value (excluding Investment Profit and/or Underwriting Surplus, if
any);
Covered as well as any indebtedness under this Certificate. Investment Profit and/or
Underwriting Surplus, if any, will be forwarded to any charitable organisation(s) approved by
Our Shariah Committee.
32.4 If this Certificate is invalidated or void pursuant to Clause 32.2.2 above, Our liability shall be
limited to the refund of the following, if any:
32.4.1 unearned Upfront Charge;
32.4.2 Total Account Value (excluding Underwriting Surplus, if any);
32.4.3 Tabarru’ which have been deducted, and
32.4.4 Investment Profit;
Covered as well as any indebtedness under this Certificate. Underwriting Surplus, if any,
will be forwarded to any charitable organisation(s) approved by Our Shariah Committee.
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32.5 If this Certificate would have been issued or renewed pursuant to Clause 32.2.3 above, We
may, at Our sole and absolute discretion:
32.5.1 vary any of the terms and conditions of this Certificate and treat this Certificate as
if it had been issued or renewed on the varied terms and conditions; and
32.5.2 reduce proportionately the amount to be paid on a claim in accordance Our
relevant policy at the material time.
33. NOTICE OF ASSIGNMENTS
A written notice of assignment or charge on this Certificate is deemed as being notified to Us, if it
is delivered to Us at Our offices and acknowledged by Us in writing. By acknowledging the notice,
We shall not be responsible for the validity of any assignment or charge.
34. CHANGE OF NOMINEES
You may make changes to Your nomination by informing to Us in writing. The change will take
effect from the date We receive the notice in writing from You.
35. ACCEPTANCE OF INSTRUCTION
We will only accept instructions, requests or notices when such forms, documents, information
and consents as required by Us, are received.
36. SUSPENSION OF TRADING
With the exception of payment for the death benefit, if any, We reserve the right to defer
cancellation or purchase of Units in the Funds for a period not exceeding six (6) months if it is
necessary for any purpose, under circumstance it considers exceptional, which shall include but
not limited to all of the following circumstances:
36.1 any period on which any asset forming part of the Fund for the time being is listed or dealt
in is closed (other than for ordinary holidays) or during which trading is restricted or
suspended;
36.2 the existence of any state of affairs which, in the opinion of Us might seriously prejudice
Your interests in the investment of the similar Fund;
36.3 any breakdown in the means of communication normally employed in determining the price
of a Unit of the Fund or when for any reason the prices of any of such Units in the Fund
cannot be promptly and accurately ascertained;
36.4 any period when trading of Units in the Funds is suspended subject to any order or direction
of the relevant authorities; or
36.5 any period when the business operations of Us in relation to the operation of the Fund are
substantially interrupted or closed as a result of or arising from pestilence, acts of war,
terrorism, insurrection, revolution, civil unrest, riots, strikes, or natural disaster.
37. RESIDENCE, OCCUPATION AND TRAVEL
This Certificate is free from restrictions with regard to residence, occupation and travel.
TPCAX/V02/11-2019 Page 13 of 14 0510/022616/ 35

38. NOTICES AND CORRESPONDENCE
38.1 Any notice, request, instruction or correspondence to Us and You shall be in writing. Your
mailing address, email address or handphone number will be as stated in the proposal for
Family Takaful unless there is notification of any changes to Us.
38.2 Any notice, request, instruction or correspondence given by Us to You shall be conclusively
deemed to have been received as follows:
38.2.1 for personal delivery, on the day of delivery;
38.2.2 for ordinary post, or pre-paid registered post, seven (7) days after the date of
posting, if posted to an address in Malaysia, and fourteen (14) days, if posted
outside of Malaysia;
38.2.3 for delivery via email or short message services, on the day of delivery;
38.2.4 for publishing in a local daily newspaper, on the day of publishing; or
38.2.5 for electronic posting on Our official website or other website, the later of the day of
electronic posting or the day of delivery of a separate notification to You of such
electronic posting via any effective means provided under Clauses 38.2.1, 38.2.2,
38.2.3, or 38.2.4 respectively, as determined by Us from time to time.
38.3 With the conditions as stated in Clauses 38.1 and 38.2 above, in the case that any notice,
request, instruction or correspondence is returned undelivered to You after We have made
at least two (2) consecutive attempts at delivery, We may, at Our sole and absolute
discretion, at Your own risk, withhold all subsequent notice, request, instruction or
correspondence until We have been notified by You of Your new mailing address or email
address or handphone number.
39. GOVERNING LAW
39.1 This Certificate shall be governed by the laws of Malaysia and the courts of Malaysia shall
have exclusive jurisdiction for any dispute arising out of or in relation to this Certificate.
39.2 We shall have the right at any time, by giving advance written notice to You in accordance
with the ‘Notices and Correspondence’ Clause, to amend the terms and conditions of this
Certificate in compliance with any legislative changes, statutory modifications or
amendments which may be enacted from time to time.
40. SANCTION LIMITATION AND EXCLUSION
We are under no obligation:

40.1 to provide Takaful coverage nor be deemed to provide such Takaful coverage and any
payment made under the Certificate shall not be deemed as being received and accepted
by Us;
40.2 be obligated to pay any sums (including but not limited to payment of claims, refund of
Contributions, surrender or cancellation of payments); or
40.3 provide any benefit under the Certificate;
to the extent that the provision of such Takaful coverage, payment of such sum or provision of
such benefit would expose Us to any sanction, prohibition, restriction or contravention of any laws
and/or regulations, administered by any governmental, regulatory or competent authority, or any
law enforcement in any country.
41. CHARITY LIMIT
In the event whereby the total value payable under Your Certificate(s) in a calendar year amounts
to Ringgit Malaysia ten (RM10) or below due to the lapse, surrender, termination or maturity of
Your Certificate(s) (inclusive of all products), We will channel such amount to any charitable
organisation(s) approved by Our Shariah Committee. However, if You disagree, You must submit
a formal written request to Us.
**END OF PAGE**
TPCAX/V02/11-2019 Page 14 of 14 0510/022616/ 36


i-MEDIK XTRA RIDER (IL MX)
ANNEXURE AHMX
This i-Medik Xtra Rider (“this Annexure”) has the right to share in the surplus of the Tabarru’ Fund.
1. DEFINITIONS
For the purpose of this Annexure, the following words or expressions, wherever mentioned in this
Annexure, shall have the following meanings unless otherwise stated. Any word or expression not
specifically defined in this Annexure shall have the same meaning as ascribed to it in this
Certificate:-
“Accident” means a sudden, unintentional, unexpected, unusual, and specific event that occurs
at an identifiable time and place which shall, independently of any other cause, be the sole cause
of bodily injury.
“Any One Disability” means all of the periods of disability arising from the same cause including
any and all complications therefrom except that if the Person Covered completely recovers and
remains free from further treatment (including drugs, medicines, special diet or injection or advice
for the condition) of the disability for at least ninety (90) days following the latest date of discharge
and subsequent disability from the same cause shall be considered as though it were a new
disability.
“Attaching Annual Limit” means an amount equal to ten percent (10%) of the Initial Overall
Annual Limit. This Attaching Annual Limit will be granted at the end of third (3rd) Certificate Year
calculated from the Rider Effective Date and thereafter, at the end of every three (3) Certificate
Years (each referred as “3 certificate years”), provided that no claim has been made during the
immediate preceding 3 certificate years. If a claim is admitted in any 3 certificate years, no
Attaching Annual Limit shall be granted at the end of those 3 certificate years. Under such
circumstance, the Overall Annual Limit for that 3 certificate years up to the end of next 3
certificate years shall equal to the aggregate of the Initial Overall Annual Limit and the cumulative
Attaching Annual Limit, if any, up to the time of such claim only. However, the Attaching Annual
Limit shall apply again if no claim has been made during the immediate preceding 3 certificate
years.
“Attained Age Next Birthday” means the age next birthday of the Person Covered on preceding
(or coincident) Certificate Anniversary.
“Certificate” means the basic certificate to which this Annexure is attached.
“Certificate Anniversary” means the anniversary of the Commencement Date or the date of
inclusion of this Annexure if it has been subsequently included in this Certificate, as the case may
be.
“Certificate Year” means the one-year period which starts on the Commencement Date or any
Certificate Anniversary and ends on the day before the first Certificate Anniversary or the
following Certificate Anniversary, as the case may be.
“Clinic” means an establishment duly constituted and registered as a clinic, which is operated for
the treatment of injured or ill patients and provides facilities for diagnosis, minor surgery and
dispensing facilities. Such establishment must be operated by a Physician who is legally
registered with Malaysian Medical Council.
“Commencement Date” means the commencement date shown in Takaful Schedule A.
“Congenital Conditions” means any medical or physical abnormalities existed at the time of
birth, or neo-natal physical abnormalities developing within six (6) months from the time of birth.
This will include all types of hernias and epilepsy except when caused by trauma, which occurred
after the Rider Effective Date.
AHMX/V06/07-2017 Page 1 of 15 0510/022617/ 37

“Day Surgery” means a medical process involving a patient who needs the use of a recovery
facility for a surgical procedure on a pre-plan basis at the Hospital or specialist Clinic (but not for
overnight stay) for less than eight (8) hours.
“Dentist” means a person who is duly licensed or registered to practise dentistry in the
geographical area in which a service is provided, but excluding a physician or surgeon or dentist
who is the Person Covered himself.
“Disability” means a Sickness, Disease, Illness or the entire Injury arising out of a single or
continuous series of causes.
“Doctor” or “Physician” or “Surgeon” means a registered medical practitioner qualified and
licensed to practise western medicine and who, in rendering his service, is practising within the
scope of his licensing and training in the geographical area of practice, but excluding a doctor,
physician or surgeon who is the Person Covered himself.
“Eligible Expenses” means Reasonable and Customary Charges incurred due to a covered
Disability but not exceeding the limits stated in the Schedule of Benefits.
“Expiry Date” means the expiry date for this Annexure specified in the Table of Supplementary
Benefits in Takaful Schedule A or in a subsequent endorsement issued by the Takaful Operator,
as the case may be, on which the coverage of the Person Covered under this Annexure has
ceased accordingly.
“Hospital” means only an establishment duly constituted and registered as a hospital for the care
and treatment of sick and injured persons as paying bed-patients, and which:-
(a) has facilities for diagnosis and major surgery,
(b) provides twenty-four (24) hour a day nursing services by registered and graduate nurses,
(c) is under the supervision of a Physician, and
(d) is not primarily a Clinic; a place for alcoholics or drug addicts; a nursing, rest or
convalescent home or a home for the aged or similar establishment.
“Hospitalisation” means admission to a Hospital as a registered Inpatient for a continuous
period of at least eight (8) consecutive hours on Medically Necessary treatments for a covered
Disability upon recommendation of a Physician. A patient shall not be considered as an Inpatient
if the patient does not physically stay in the hospital for the whole period of confinement.
“Initial Overall Annual Limit” means the limit as stated in the Schedule of Benefits.
“Illness” or “Sickness” or “Disease” means a physical condition marked by a pathological
deviation from the normal healthy state.
“Injury” means bodily injury caused solely by Accident.
“Inpatient” means a Person Covered who has been assigned to a hospital bed during
Hospitalisation, which is not in the Outpatient department of a Hospital.
“Intensive Care Unit” means a section within a Hospital which is designated as an Intensive
Care Unit by the Hospital, and which is maintained on a twenty-four (24) hour basis solely for
treatment of patients in critical condition and is equipped to provide special nursing and medical
services not available elsewhere in the Hospital.
“Malaysian Government Hospital” means a hospital which charges of services are subject to
the Fee Act 1951 Fees (Medical) Order 1982 and/or its subsequent amendments, if any.
“Medically Necessary” means a medical service which is:-
(a) consistent with the diagnosis and customary medical treatment for a covered Disability, and
(b) in accordance with standards of good medical practice, consistent with current standard of
professional medical care, and of proven medical benefits, and
(c) not for the convenience of the Person Covered or the Physician, and unable to be
reasonably rendered out of hospital (if admitted as an Inpatient), and
(d) not of an experimental, investigational or research nature, preventive or screening nature,
and
(e) for which the charges are fair, reasonable and customary for the Disability.
“MMA Guidelines” means the latest available schedule of fees or charges for various
descriptions of medical services and/or treatment which is provided by the Malaysian Medical
Association (MMA) for the guidance of the medical profession in Malaysia.
“Outpatient” means a Person Covered who is receiving medical care or treatment (including Day
Surgery and treatment in a Daycare centre) without being hospitalised in a Hospital.
AHMX/V06/07-2017 Page 2 of 15 0510/022617/ 38

“Overall Annual Limit” means the aggregate of the Initial Overall Annual Limit and the
cumulative Attaching Annual Limit, if any, up to the time of claim. In all cases, the Overall Annual
Limit shall not exceed the Overall Lifetime Limit.
“Pre-existing Illness” means disabilities that the Person Covered has reasonable knowledge of,
prior to the Rider Effective Date. A Person Covered may be considered to have reasonable
knowledge of a Pre-existing Illness where the condition is one for which:
(a) the Person Covered has received or is receiving treatment; or
(b) medical advice, diagnosis, care or treatment has been recommended; or
(c) clear and distinct symptoms are or were evident; or
(d) its existence would have been apparent to a reasonable person in the circumstances.
“Prescribed Medicines” means medicines that are dispensed by a Physician, a registered
pharmacist or a Hospital and which have been prescribed by a Physician or Specialist in respect
of treatment for a covered Disability.
“Public Conveyance” means commercially licensed public transportation (limited to vehicles and
trains that are operating on the road and railway only) over an established route with regular
schedule such as bus, train or monorail. A cable car, taxi, hired car, or any form of transport
chartered for private travel, is excluded.
“Reasonable and Customary Charges” means Medically Necessary charges for medical care
which is considered reasonable and usual to the extent that it does not exceed the general level
of charges being made by others of similar standing in the locality where the charge is incurred,
when furnishing like or comparable treatment, services or supplies to individual of the same sex
and of comparable age for a similar Illness, Sickness, Disease or Injury and in accordance with
accepted medical standards and practice which could not have been omitted without adversely
affecting the Person Covered’s medical condition.
“Rider Effective Date” means the Effective Date or date of inclusion of this Annexure if it has
been subsequently included to this Certificate or date of any reinstatement, whichever is later, on
which the coverage of the Person Covered under this Annexure has become effective.
“Specialist” means a registered medical or dental practitioner qualified and licensed in the
geographical area of his practice where treatment takes place and who is classified by the
appropriate health authorities as a person with superior and special expertise in specified fields of
medicine or dentistry, but excluding a physician, dentist or surgeon who is the Person Covered
himself.
“Specified Illnesses” means the following disabilities and its related complications, occurring
within the first 120 days from the Rider Effective Date. However, if there is a break in coverage
prior to the expiry of the said 120 days, a fresh period of 120 days shall apply again from the date
of reinstatement:
(a) Hypertension, diabetes mellitus and Cardiovascular disease;
(b) All tumours, cancers, cysts, nodules, polyps;
(c) Stones of the urinary system and biliary system;
(d) All ear, nose (including sinuses) and throat conditions;
(e) Hernias, haemorrhoids, fistulae, hydrocele, varicocele;
(f) Disease of the Reproduction system including endometriosis;
(g) Vertebro-spinal disorders (including disc) and knee conditions.
“Surgery” means any of the following medical procedures:
(a) To incise, excise or electrocauterize any organ or body part, except for dental services;
(b) To repair, revise, or reconstruct any organ or body part;
(c) To reduce by manipulation a fracture or dislocation;
(d) Use of endoscopy to remove a stone or object from the larynx, bronchus, trachea,
esophagus, stomach, intestine, urinary bladder or urethra.
“Waiting Period” means the first thirty (30) days from the Rider Effective Date. This shall not be
applicable after the first year of cover. However, if there is a break in coverage in any Certificate
Year, the Waiting Period shall apply again.
AHMX/V06/07-2017 Page 3 of 15 0510/022617/ 39

2. TABARRU’
2.1 The Takaful Operator will deduct a monthly Tabarru’, beginning from the Rider Effective
Date up to and including the due date immediately prior to the Expiry Date, from the PUA by
cancelling Units valued at their respective Net Asset Value on the Next Valuation Date
following each due date of the Tabarru’. The Tabarru’ will then be credited into the Tabarru’
Fund.
2.2 The Tabarru’ will be calculated at the Takaful Operator’s rates based on the Attained Age
Next Birthday of the Person Covered on a Certificate Anniversary preceding each due date
of Tabarru’.
2.3 The standard Tabarru’ rates per annum for the Person Covered’s gender and occupation
classification are given in Takaful Schedule L.
2.4 Tabarru’ rates are subject to revision. The Takaful Operator may vary these charges by
giving at least (30) days’ advance written notice to You in accordance with the ‘Notices and
Correspondence’ clause of the Privileges and Conditions. Any revision of these charges
upwards shall take effect on the Certificate Anniversary immediately following the expiry of
the (30) days’ advance written notice. However, for any revision of the charges downwards,
the Takaful Operator reserves the right to implement it immediately without giving advance
notice.
3. BENEFITS
While this Annexure is in force and subject to its terms and conditions, upon receipt and approval
of due proof such as original bills, receipts and/or other evidence satisfactory to the Takaful
Operator that the Person Covered is confined to a Hospital for Medically Necessary services
and/or treatments due to Illness or Injury or is receiving Medically Necessary services and/or
treatments in relation to any Covered Benefits as described in Section 4.3 below, the Takaful
Operator shall, after applying the appropriate limit for each Covered Benefit, the Overall Annual
Limit, the Overall Lifetime Limit and any Coordination of Benefits as specified in Section 5.12
below, pay the balance of the Eligible Expenses, if any, as provided under this Annexure for:
(a) Illness which existed or diagnosed after the Waiting Period; or
(b) Injury which occurred on or after the Rider Effective Date.
For the avoidance of doubt, no benefits shall be payable for:

3.1 any condition which existed or diagnosed:
3.1.1 during the Waiting Period; or
3.1.2 after the expiry of the Waiting Period but which is related to a condition which
existed or diagnosed during the Waiting Period; or
3.2 any sign or symptom existed before or during the Waiting Period which would prompt a
reasonable person to seek medical care or attention, though the resulting diagnosis may
occur before or after the expiry of the Waiting Period.
In addition, a claim as described in Sections 3.1 or 3.2 above will not be admissible only because
notification of the said claim was given to the Takaful Operator after the expiry of the Waiting
Period.
4. DESCRIPTION OF BENEFITS
4.1 Overall Annual Limit

Benefits payable in respect of Eligible Expenses incurred for Medically Necessary services
and/or treatments provided to the Person Covered during any Certificate Year shall be
limited to the Overall Annual Limit irrespective of the type/types of Disability. If the Overall
Annual Limit for a particular Certificate Year have been fully exhausted, all coverage on the
Person Covered shall immediately cease to be payable for that remaining Certificate Year.
AHMX/V06/07-2017 Page 4 of 15 0510/022617/ 40

4.2 Overall Lifetime Limit

Benefits payable in respect of Eligible Expenses incurred for Medically Necessary services
and/or treatments provided to the Person Covered from the Rider Effective Date and during
the lifetime of the Person Covered shall be limited to the Overall Lifetime Limit as stated in
the Schedule of Benefits irrespective of the type/types of Disability.
4.3 Covered Benefits

Reimbursement of the Eligible Expenses incurred for Covered Benefits is also subject to the
following conditions:
(a) the charges must be Reasonable and Customary Charges which are consistent with
those usually charged to a ward or room and board, and the daily rate is
approximated to and within the daily limit of the amount stated in item (1) of the
Schedule of Benefits; and
(b) such charges are also consistent with and at the same level as those recommended
in the MMA Guidelines.
The Covered Benefits are:
4.3.1 Hospital Room and Board

Reimbursement of the Reasonable and Customary Charges incurred for Medically
Necessary room accommodation and meals. The amount payable for this benefit
shall be equal to the actual charges made by the Hospital during Hospitalisation of
the Person Covered, subject to the daily rate of Hospital Room and Board, the
maximum number of days and the limits stated in the Schedule of Benefits. A
Person Covered will only be entitled to this benefit while confined to a Hospital as an
Inpatient.
4.3.2 Intensive Care Unit

Reimbursement of the Reasonable and Customary Charges for Medically Necessary
actual room and board incurred during confinement of a Person Covered as an
Inpatient in the Intensive Care Unit of a Hospital. The amount payable for this benefit
shall be equal to the actual charges made by the Hospital, subject to the maximum
number of days and the limits stated in the Schedule of Benefits. No Hospital Room
and Board benefit and Intensive Care Unit benefit shall be paid concomitantly.
For the avoidance of doubt, if Intensive Care Unit benefit is payable for a
confinement period, no Hospital Room and Board benefit shall be payable for the
same confinement period.
4.3.3 Hospital Supplies and Services

Reimbursement of the Reasonable and Customary Charges actually incurred for:
- general nursing;
- Prescribed and consumed drugs and medicines;
- dressings, splints and plaster casts;
- x-ray;
- laboratory examinations;
- electrocardiograms;
- physiotherapy;
- basal metabolism tests;
- intravenous injections and solutions; or
- administration of blood and blood plasma but excluding the cost of blood and
plasma while the Person Covered is confined as an Inpatient in a Hospital;
which is Medically Necessary, subject to the limits stated in the Schedule of
Benefits.
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4.3.4 Surgical Fees

Necessary surgery by the Specialists, including Pre-Hospitalisation Specialist
Consultation and Post-Hospitalisation Treatment, subject to the limits stated in the
Schedule of Benefits. If more than one surgery is performed for Any One Disability,
the total payments for all the surgeries performed shall not exceed the limits stated
in the Schedule of Benefits.
4.3.5 Operating Theatre

Reimbursement of the Reasonable and Customary Charges incurred for operating
room incidental to Medically Necessary surgical procedure, subject to the limits
stated in the Schedule of Benefits.
4.3.6 Anaesthetist Fees

Necessary administration of anaesthesia by the anaesthetist, subject to the limits
4.3.7 In Hospital Physician Visit

Necessary Physician’s visit to an Inpatient who is confined for Disability, subject to a
maximum of two (2) visits per day and the limits stated in the Schedule of Benefits.
4.3.8 Pre-Hospitalisation Diagnostic Tests

Reimbursement of the Reasonable and Customary Charges incurred within sixty
(60) days preceding Hospitalisation, for Medically Necessary ECG, x-ray and
laboratory tests which are recommended by a qualified medical practitioner and
performed for diagnostic purposes on account of an Injury or Illness and in
connection with a Disability, subject to the limits stated in the Schedule of Benefits.
No payment shall be made if the Person Covered does not result in Hospitalisation
for the treatment of the medical condition diagnosed upon such diagnostic services.
In addition, medications and consultation charged by the medical practitioner shall
not be payable.
4.3.9 Pre-Hospitalisation Specialist Consultation

Reimbursement of the Reasonable and Customary Charges incurred within sixty
(60) days preceding Hospitalisation, for Medically Necessary first time consultation
by a Specialist in connection with a Disability provided that such consultation has
been recommended in writing by the attending general practitioner, subject to the
limits stated in the Schedule of Benefits. No payment shall be made for clinical
treatment (including medications and subsequent consultation after the Illness is
diagnosed) or where the Person Covered does not result in Hospitalisation for the
treatment of the medical condition diagnosed.
4.3.10 Post-Hospitalisation Treatment

Reimbursement of the Reasonable and Customary Charges incurred within ninety
(90) days immediately following discharge from Hospital for a Disability, for Medically
Necessary follow-up treatment by the same attending Physician, subject to the limits
stated in the Schedule of Benefits. This shall include Prescribed Medicines during
the follow-up treatment but shall not exceed the supply needed for the maximum of
ninety (90) days from the date of discharge.
AHMX/V06/07-2017 Page 6 of 15 0510/022617/ 42

4.3.11 Organ Transplant

Reimbursement of the Reasonable and Customary Charges incurred on
transplantation surgery for the Person Covered being the recipient of the transplant
of a kidney, heart, lung, liver or bone marrow. This benefit is applicable only once
per lifetime while this Annexure is in force and shall be subject to the limits stated in
the Schedule of Benefits. The costs of acquisition of the organ and all costs incurred
by the donors are not covered under this Annexure.
4.3.12 Ambulance Fees

Necessary domestic ambulance services (inclusive of attendant) to and/or from the
Hospital, subject to the limits stated in the Schedule of Benefits. No payment shall
be made if the Person Covered is not hospitalised.
4.3.13 Day Surgery

Reimbursement of the Reasonable and Customary Charges incurred for a Medically
Necessary Day Surgery. This shall be limited to the following surgical procedures
which are commonly performed safely as Day Surgery:
- Adenoidectomy;
- Bone Marrow Aspiration and Biopsy;
- Cataract removal;
- Colonoscopy;
- Cystourethroscopy;
- Endolaser Venous Surgery;
- Endoscopic Retrograde Cholangiopancreatography;
- Excision of Bunions;
- Excision of Ganglion, Fibroma(s) and Breast Lump(s);
- Excision of Pterygium;
- Extra corporeal Shock Wave Lithotripsy;
- Herniotomy/Herniorapphy;
- Insertion or Removal of Ureteric J-Stent;
- Laparoscopic Endometrial Ablation;
- Laparoscopy;
- Laryngoscopy;
- Laser Photocoagulation treatment for Retinal Detachment;
- Marsupialisation and drainage of Bartholin’s Cysts;
- Myringotomy or Myringoplasty;
- Reduction of Bone Fracture(s);
- Release of Carpal Tunnel (Carpal Tunnel Decompression);
- Release of Dupuytren’s contracture;
- Removal of Cervical Polyps;
- Removal of Nasal Polyps;
- Removal of Plate and Screw/ Implants;
- Rubber Banding of Haemorrhoids.
The Takaful Operator may extend the above list of surgical procedures which are
commonly performed safely as Day Surgery, from time to time, at its sole discretion.
If any such surgical procedure is performed while the Person Covered is an
Inpatient, only the equivalent benefit of Day Surgery shall be paid, unless the
Takaful Operator’s appointed medical practitioner has given prior approval.
4.3.14 Outpatient Cancer Treatment

If a Person Covered is diagnosed with Cancer as defined below, the Takaful
Operator shall reimburse the Reasonable and Customary Charges incurred for the
Medically Necessary cancer treatment performed at a legally registered cancer
treatment center, subject to the limits stated in the Schedule of Benefits.
AHMX/V06/07-2017 Page 7 of 15 0510/022617/ 43

Such treatment (radiotherapy or chemotherapy including consultation, examination

tests and take home drugs) must be received at the Outpatient department of a
Hospital or a registered cancer treatment centre immediately following discharge
from Hospital.
Cancer is defined as any malignant tumour positively diagnosed with histological
confirmation and characterized by the uncontrolled growth of malignant cells and
invasion of tissue. The term malignant tumour includes leukemia, lymphoma and
sarcoma.
For the above definition, the following are not covered:
(a) All cancers which are histological classified as any of the following:
- Pre-malignant;
- Non-invasive;
- Carcinoma in situ;
- Having borderline malignancy;
- Having malignant potential;
(b) all tumours of the prostate histologically classified as T1N0M0 (TNM
classification);
(c) all tumours of the of the thyroid histologically classified as T1N0M0 (TNM
classification);
(d) all tumours of the urinary bladder histologically classified as T1N0M0 (TNM
classification);
(e) chronic Lymphocytic Leukemia less than RAI Stage 3;
(f) all cancers in the presence of HIV; and
(g) any skin cancer other than malignant melanoma;
In addition to the exclusion of Pre-existing Illness, this benefit shall not be payable
for any Person Covered who had been diagnosed as a cancer patient and/or is
receiving cancer treatment prior to the Rider Effective Date.
4.3.15 Outpatient Kidney Dialysis Treatment

If a Person Covered is diagnosed with Kidney Failure as defined below, the Takaful
Operator shall reimburse the Reasonable and Customary Charges incurred for the
Medically Necessary kidney dialysis treatment performed at a legally registered
dialysis center, subject to the limits stated in the Schedule of Benefits.
Such treatment (dialysis including consultation, examination tests and take home
drugs) must be received at the Outpatient department of a Hospital or a registered
dialysis treatment center immediately following discharge from Hospital.
End-Stage Kidney Failure means end stage kidney failure presenting as chronic
irreversible failure of both kidneys to function, as a result of which regular dialysis is
initiated or kidney transplantation is carried out.
In addition to the exclusion of Pre-existing Illness, this benefit shall not be payable
for any Person Covered who has developed chronic renal diseases and/or is
receiving dialysis treatment prior to the Rider Effective Date.
4.3.16 Emergency Accidental Outpatient Treatment

Necessary treatment as an Outpatient at any registered Clinic or Hospital as a result
of a covered bodily injury arising from an Accident, within 24 hours of such Accident
and subject to the maximum amount and the limits stated in the Schedule of
Benefits. Follow-up treatment by the same Doctor or same registered Clinic or
Hospital for the same covered bodily Injury shall be provided up to a maximum of
thirty (30) days from date of Accident, subject to the maximum amount and the limits
4.3.17 Daily-Cash Allowance at Malaysian Government Hospital

Pays a daily allowance for each day of confinement for a covered Disability in a
Malaysian Government Hospital, provided that the Person Covered shall be confined
to a Hospital Room and Board rate that does not exceed the amount stated in the
AHMX/V06/07-2017 Page 8 of 15 0510/022617/ 44

Schedule of Benefits. No payment shall be made for any transfer to or from any
private Hospital and Malaysian Government Hospital for the covered Disability.
4.3.18 Intraocular Lens

Reimbursement of Reasonable and Customary Charges incurred for Medically
Necessary Intraocular Lenses for cataract surgery, up to Ringgit Malaysia ONE
THOUSAND (RM1,000) per eye, subject to a maximum Ringgit Malaysia TWO
THOUSAND (RM2,000) per lifetime. This benefit is further subject to the limits stated
in the Schedule of Benefits.
4.3.19 Accidental Death Benefit

While this Annexure is in force, in the event of death of the Person Covered resulting
directly and solely from an Accident, the Takaful Operator shall pay a pre-fixed
amount as stated in the Schedule of Benefits, in one lump sum.
Provided that:
4.3.19.1 the Accident occurs on or after the Rider Effective Date and before the
Certificate Anniversary on which the Person Covered’s age is seventy
(70) years next birthday; and
4.3.19.2 the death of the Person Covered occurs within ninety (90) days of
sustaining the Injury; and
4.3.19.3 written notice of such Accident with full particulars must be provided to
the Takaful Operator immediately upon death of the Person Covered.
In addition, if the death of the Person Covered caused by the following events, the
Takaful Operator shall pay double amount of a pre-fixed amount as stated in the
Schedule of Benefits, in one lump sum:
- travelling as a passenger in a Public Conveyance; or
- riding as a passenger in an elevator or electric lift (elevator or electric lift in mines
or in a building under construction is excluded); or
- in consequence of the burning of any hotel or other public buildings in which the
Person Covered shall be present at the time of commencement of the fire.
4.3.20 Accidental Total and Permanent Disability (TPD) Benefit

While this Annexure is in force, in the event of TPD of the Person Covered resulting
directly and solely from an Accident, the Takaful Operator shall pay a pre-fixed
amount as stated in the Schedule of Benefits, in one lump sum.
Provided that:
4.3.20.1 the Accident occurs on or after the Rider Effective Date and before the
Certificate Anniversary on which the Person Covered’s age is seventy
(70) years next birthday; and
4.3.20.2 the TPD of the Person Covered occurs within ninety (90) days of
sustaining the Injury;
4.3.20.3 the TPD of the Person Covered must be certified by a Medical
Practitioner appointed by the Takaful Operator, to have continued for at
least six (6) consecutive months from the date of disability; and
4.3.20.4 written notice of such Accident with full particulars must be provided to
the Takaful Operator immediately upon TPD of the Person Covered.
In addition, if the TPD of the Person Covered caused by the following events, the
Takaful Operator shall pay double amount of a pre-fixed amount as stated in the
Schedule of Benefits, in one lump sum:
- travelling as a passenger in a Public Conveyance; or
- riding as a passenger in an elevator or electric lift (elevator or electric lift in mines
or in a building under construction is excluded); or
- in consequence of the burning of any hotel or other public buildings in which the
Person Covered shall be present at the time of commencement of the fire.
For the avoidance of doubt, if Accidental TPD Benefit is payable, no Accidental

Death Benefit shall be payable for the same Person Covered.
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5. CONDITIONS
This Annexure is valid only if this Certificate is valid, and this Annexure is subject to the terms and
conditions of the Certificate unless stated otherwise in this Annexure.
5.1 Assignee
An Assignee under this Certificate shall not be entitled to any benefit payable under this
Annexure other than a pre-fixed amount payable as stated in Section 4.3.19 above.
5.2 Person Eligible

Person eligible to be covered under this Annexure is:
5.2.1 the Person Covered whose age must be at least thirty (30) days old but not
exceeding eighty (80) years next birthday; and
5.2.2 citizen of Malaysia or a permanent resident of Malaysia or a foreigner holding a valid
and current working permit who is working in Malaysia.
5.3 Misstatement of Age

If the age of the Person Covered has been misstated and the Tabarru’ deducted as a result
of it is insufficient, any claim payable under this Annexure shall be prorated based on the
ratio of the actual deducted Tabarru’ to the Tabarru’ which should have been charged for
the year. Any excess Tabarru’ which may have been paid as a result of such misstatement
of age, shall be credited back into the PUA.
If at the correct age, the Person Covered would not have been eligible for cover under this
Annexure, no benefit shall be payable and only the Units which have been deducted for the
payment of Tabarru’ will be credited back into the PUA.
5.4 Misrepresentation/ Fraud

If the proposal or declaration of the Person Covered is untrue in any respect or if any
material fact affecting the risk be incorrectly stated herein or omitted there from, or if this
coverage or any subsequent renewal shall have been obtained through any misstatement,
misrepresentation or suppression, or if any claim or statement shall be made in support
thereof, then in any of these cases, this Annexure shall be void.
5.5 Change in Risk

The Person Covered shall give immediate notice in writing to the Takaful Operator of any
material change in his occupation, business, duties or pursuits; and pay any additional
Tabarru’ that may be required by the Takaful Operator. However, if such change in risk has
rendered the Person Covered no longer protected by the Takaful Operator the latter shall
be entitled to terminate this Annexure in accordance with Section 7.2 below.
5.6 Geographical Territory

All benefits provided in this Annexure are applicable worldwide for twenty-four (24) hours a
day.
5.7 Overseas Treatment

If the Person Covered elects to be treated outside Malaysia or is referred to be treated
outside Malaysia by the attending Physician, benefits in respect of the treatment shall be
limited to the Reasonable and Customary Charges for such equivalent local treatment in
Malaysia and shall exclude the cost of transport to the place of treatment. This is however
subject to Section 5.12 below, if applicable.
5.8 Residence Overseas

No benefit shall be payable for any medical treatment received by the Person Covered
outside Malaysia, if the Person Covered resides or travels outside Malaysia for more than
ninety (90) consecutive days.
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5.9 Currency of Payment

All payments under this Annexure shall be made in the legal currency of Malaysia. Should
any payment be requested by the Person Covered to be payable in any other currency,
then such amount shall be payable in the demand currency as may be purchased in
Malaysia at the prevailing currency market rates on the date of the claim settlement. In the
event of hospitalisation outside Malaysia, bills rendered in a currency other than Ringgit
Malaysia shall first be converted to Ringgit Malaysia based on a quoted exchange rate in
effect on the date the Person Covered is discharged from Hospital. The quoted exchange
rate shall be obtained from a financial institution as determined by the Takaful Operator and
shall be final and binding on the Person Covered or claimant.
5.10 Continuation of Hospitalisation into the following Certificate Year

Where a period of Hospitalisation, Outpatient treatment, pre-hospitalisation or
post-hospitalisation continues to the following Certificate Year, the Eligible Expenses
incurred shall be apportioned accordingly based on the actual itemised expenses incurred
for a Certificate Year or based on the actual days of Hospitalisation, Outpatient treatment,
pre-hospitalisation or post-hospitalisation occurred in that Certificate Year, as the case may
be.
5.11 Certification, Information and Evidence

All certificates, information, medical reports and evidence as required by the Takaful
Operator shall be furnished by the claimant at own expense, and in such form that the
Takaful Operator may require. In any event all notices which the Takaful Operator shall
require from You must be given in writing and addressed to the Takaful Operator. A Person
Covered shall, at the Takaful Operator’s request and expense, submit to a medical
examination whenever such is deemed necessary.
5.12 Coordination of Benefits

The Takaful Operator will not provide any compensation other than on a proportionate basis
if the Person Covered has any other hospitalisation coverage on reimbursement basis with
the Takaful Operator or others, or is receiving compensation from other sources in respect
of the Injury or Illness or Disease for which he is making a claim under this Annexure. The
claims payout in aggregate shall be limited to the Reasonable and Customary Charges, for
the disability in which the claim is made.
5.13 Claim Procedures

Prior to payment of any benefit payable under this Annexure, the amount of any
indebtedness on this Certificate shall first be deducted from the benefits payable.
5.13.1 The Person Covered shall within thirty (30) days of a Disability that incurs claimable
expenses, give written notice to the Takaful Operator stating full particulars of such
event, including all original bills and receipts, and a full Physician’s report stipulating
the diagnosis of the condition treated and the date the Disability commenced in the
Physician’s opinion and the Physician’s summary of the cost of treatment including
Prescribed Medicines and services rendered.
Failure to furnish such notice within the time allowed shall not invalidate any claim if
it is shown not to have been reasonably possible to furnish such notice and that
such notice was furnished as soon as was reasonably possible.
5.13.2 The Person Covered shall immediately procure and act on proper medical advice
and the Takaful Operator shall not be held liable in the event a treatment or service
becomes necessary due to failure of the Person Covered to do so.
5.13.3 All claims must be submitted to the Takaful Operator within thirty (30) days of
completion of the events for which the claim is being made. Claims are not deemed
complete and Eligible Expenses are not payable unless all bills for such claims
have been submitted and agreed upon by the Takaful Operator. Only actual costs
incurred shall be considered for reimbursement. Any variation or waiver of the
foregoing shall be at the Takaful Operator’s sole discretion.
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5.14 Condition Precedent to Liability

The due observance and the fulfillment of the terms and conditions of this Annexure by the
Person Covered and in so far as they relate to anything to be done or complied with by the
Person Covered shall be conditions precedent to any liability of the Takaful Operator.
5.15 Reinstatement
You may request to reinstate this Annexure together with the Certificate, at the Takaful
Operator’s option subject to the following conditions:
5.15.1 Your written application for reinstatement is received by the Takaful Operator; and
5.15.2 the Person Covered is within the allowable age limit as determined by the Takaful
Operator at the time of reinstatement; and
5.15.3 evidence of ability to be covered satisfactory to the Takaful Operator is received by
the Takaful Operator and if any medical reports and/or tests is required by the
Takaful Operator, all costs in relation to these medical reports and/or test are to be
borne by You; and
5.15.4 You must inform the Takaful Operator of any change in the health of the Person
Covered or any circumstances that may affect the health of the Person Covered up
to the date of reinstatement; and
5.15.5 any other conditions that the Takaful Operator may impose at the material time.
The Takaful Operator will either approve or reject or impose additional conditions that it
deems fit on Your application for the reinstatement at its sole and absolute discretion.
5.16 Alterations
The Takaful Operator reserves the right to amend the terms and conditions of this Annexure
by giving thirty (30) days advance written notice in accordance with ‘Notices and
Correspondence’ clause of the Privileges and Conditions, and such amendment shall be
applicable from the next Certificate Anniversary immediately following the expiry of the thirty
(30) days advance written notice. No alteration to this Annexure shall be valid unless
authorized by the Takaful Operator and such approval is endorsed thereon.
5.17 Legal Proceeding

No action at law or in equity shall be brought to recover on this Annexure prior to the
expiration of sixty (60) days after written proof of loss has been furnished in accordance
with the requirements of this Annexure. If the Person Covered shall fail to supply the
requisite proof of loss as stipulated by the terms and conditions of this Annexure, the
Person Covered may, within a grace period of one (1) calendar year from the date that the
written proof of loss to be furnished, submit the relevant proof of loss to the Takaful
Operator with cogent reason(s) for the failure to comply with the terms and conditions of this
Annexure. The acceptance of such proof of loss shall be at the sole and discretion of the
Takaful Operator. After such grace period has expired, the Takaful Operator will not accept,
for any reason whatsoever, such written proof of loss.
5.18 Subrogation
If the Takaful Operator become liable for any payment under this Annexure, the Takaful
Operator shall be subrogated to the extent of such payment to all the rights and remedies of
the Person Covered against any party and shall be entitled at its own expense to sue in the
name of the Person Covered, the Person Covered shall give or cause to be given to the
Takaful Operator all such assistance in his/her power as the Takaful Operator shall require
to secure the rights and remedies and at the Takaful Operator’s request shall execute or
cause to be executed all documents necessary to enable the Takaful Operator to effectively
bring suit in the name of the Person Covered.
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6. EXCLUSIONS
6.1 The Takaful Operator will not pay the Covered Benefits as stated in Section 4.3.1 to 4.3.18
under this Annexure as a result of, including of any of the following whether directly or
indirectly:
6.1.1 Pre-existing Illness as defined in Section 1 above;
6.1.2 Specified Illnesses as defined in Section 1 above;
6.1.3 any medical or physical conditions arising within the Waiting Period;
6.1.4 plastic/cosmetic surgery, circumcision, eye examination, glasses, lens and
refraction or surgical correction of nearsightedness and farsightedness (Radial
Keratotomy or Lasik) and the use or acquisition of external prosthetic appliances or
devices such as artificial limbs, hearing aids, implanted pacemakers and
prescriptions thereof;
6.1.5 dental conditions including dental treatment or oral surgery, except as necessitated
by Injury to sound natural teeth occurring in any Certificate Year and performed by
Dentist. In addition, expenses arising from placement of denture and prosthetic
services such as bridges, implants and crowns or their replacement will not be
payable;
6.1.6 private nursing, rest cures or sanitaria care, illegal drugs, intoxication (including but
not limited to alcohol and drugs), sterilization, venereal disease and its sequelae,
AIDS (Acquired Immune Deficiency Syndrome) or ARC (AIDS Related Complex)
and HIV related diseases, and any communicable diseases required quarantine by
law;
6.1.7 any treatment or surgical operation for Congenital Conditions or deformities
including hereditary conditions;
6.1.8 pregnancy and its complications, child birth (including surgical delivery and any
surgical or non surgical procedure of the female reproductive system during
surgical delivery), miscarriage, abortion and prenatal or postnatal care and surgical,
mechanical or chemical contraceptive methods of birth control or treatment
pertaining to infertility. Erectile dysfunction and tests or treatment related to
impotence or sterilization;
6.1.9 Hospitalisation primarily for investigatory purposes, diagnosis, x-ray examination,
general physical or medical examinations, not incidental to treatment or diagnosis
of a covered Disability or any treatment which is not Medically Necessary and any
preventive treatments, preventive medicines or examinations carried out by a
Physician, and treatments specifically for weight reduction or gain;
6.1.10 suicide, attempted suicide or self-inflicted injury, while sane or insane;
6.1.11 war or any act of war, declared or undeclared, criminal or terrorist activities, active
duty in any armed forces, direct participation in strikes, riots and civil commotion or
insurrection;
6.1.12 ionising radiation or contamination by radioactivity from any nuclear fuel or nuclear
waste from process of nuclear fission or from any nuclear weapons material;
6.1.13 expenses incurred for donation of any body organ by Person Covered and cost of
acquisition of the organ including all costs incurred by the donor during organ
transplant and its complications;
6.1.14 investigations and treatment of sleep and snoring disorders, hyperhidrosis
treatment, hormone replacement therapy, stem cell therapy, PET scan and
alternative therapy such as treatment, medical service or supplies, including but not
limited to chiropractic services, acupuncture, acupressure, reflexology, bone
setting, herbalist treatment, massage, hyperbaric oxygen therapy or aromatherapy
or other alternative treatment;
6.1.15 care or treatment for which payment is not required or to the extent which is
payable by any other insurance companies/takaful operators or indemnity covering
the Person Covered and disabilities arising out of duties of employment or
profession that is covered under a Workman’s Compensation Insurance Contract or
from either sources in respect in Injury or Illness or Disease for which the claim is
made;
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6.1.16 psychotic, mental or nervous disorders, (including any neuroses and their
physiological or psychosomatic manifestations);
6.1.17 costs/expenses of services of a non-medical nature, such as television, telephones,
telex services, broadband services, electricity bills for hand phone charging, radios
or similar facilities, admission kit/pack and other ineligible non-medical items;
6.1.18 Sickness or Injury arising from racing of any kind (except foot racing), hazardous
sports or activities that involve speed, height, high level of physical exertion, highly
specialized gear or spectacular stunts such as but not limited to parachuting,
sky-diving, scuba-diving, bungee jumping, water skiing, underwater activities
requiring breathing apparatus, winter sports, Professional Sports and illegal
activities. For the avoidance of doubt, “Professional Sports” means engaging in any
physical activity in a professional capacity or where the Person Covered would or
could earn income or remuneration from engaging in such activity;
6.1.19 private flying other than as a fare-paying passenger in any commercial scheduled
airlines licensed to carry passengers over established routes;
6.1.20 expenses incurred for sex change;
6.1.21 any Outpatient treatment not related to Inpatient treatment, except as provided
under this Annexure; or
6.1.22 charges which are not Reasonable and Customary Charges, or any surgery or
treatment which is not Medically Necessary, or charges in excess of Reasonable
and Customary Charges, or charges which are incurred for hospitalisation,
pre-hospitalisation and/or post-hospitalisation after the Expiry Date.
6.1.23 any disability of the Person Covered that has been caused by injuries arising:
6.1.23.1 in time of declared or undeclared war; or
6.1.23.2 while under orders for war like operations; or
6.1.23.3 while under restoration of public order during strikes, riots and civil
commotion; or
6.1.23.4 from the employment or training of the Person Covered in any Military or
Paramilitary branch of the Armed Services, Navy or Police organisation
of any country.
6.2 In addition to the above, the Takaful Operator will not pay the Covered Benefits as stated in
Section 4.3.19 and 4.3.20 under this Annexure, for any Injury resulting in loss suffered, as a
result of, including any of the following whether directly or indirectly:
6.2.1 suicide, attempted suicide or intentionally self-inflicted injuries, while sane or
insane;
6.2.2 bodily infirmity, or mental or functional disorder, or illness or disease of any kind, or
any infections, other than infections occurring simultaneously with and in
consequence of an accidental cut or wound;
6.2.3 mosquito bite which leads to any illness including but not limited to dengue fever,
malaria, viral encephalitis or worm infestations such as “Hookworms” and allergic
reaction to insect bites;
6.2.4 war or any act of war, declared or undeclared, criminal activities, active duty in any
armed forces, direct participation in strike, riots and civil commotion or insurrection;
6.2.5 from the action of any armed forces, or from Accident or violence arising by reason
of the existence of a state of armed conflict;
6.2.6 engaging in aerial flights other than as a crew member or as a fare-paying
passenger of a licensed commercial airline operating on a regular scheduled route;
6.2.7 as a result of the Person Covered committing, attempting or provoking an assault or
a felony, or from any violation or attempted violation of law by the Person Covered
or resistance to arrest;
6.2.8 while under the influence of alcohol or drugs unless taken as prescribed by a
Physician. For the avoidance of doubt, a person is considered as under the
influence of alcohol if the breath, blood or urine test result is over the following limit:
6.2.8.1 35 mcg of alcohol per 100ml of breath
6.2.8.2 80mg of alcohol per 100ml of blood
6.2.8.3 107 mg alcohol per 100ml of urine;
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6.2.9 Injury arising from racing of any kind (except for foot racing), hazardous sports or
activities that involve speed, height, high level of physical exertion, highly
specialized gear or spectacular stunts such as but not limited to bungee jumping,
parachuting, scuba diving, sky-diving, water skiing, underwater activities requiring
breathing apparatus, winter sports, Professional Sports and illegal activities. For the
avoidance of doubt, “Professional Sports” means engaging in any physical activity
in a professional capacity or where the Person Covered would or could earn
income or remuneration from engaging in such activity;
6.2.10 from childbirth, pregnancy and/or any complications thereof;
6.2.11 ionising radiation or contamination by radioactivity from any nuclear fuel or nuclear
waste from process of nuclear fission or from any nuclear weapons material; or
6.2.12 from the Person Covered engaging in commando or bomb disposal duties/training.
7. TERMINATION
7.1 This Annexure shall automatically be terminated on the earliest of the following dates:
7.1.1 on the Certificate Anniversary on which the Person Covered’s age is eighty (80)
years next birthday; or
7.1.2 upon death of the Person Covered; or
7.1.3 once the Overall Lifetime Limit has been exceeded; or
7.1.4 when the Takaful Operator receives Your request for termination in writing; or
7.1.5 on the Expiry Date; or
7.1.6 when the Certificate is surrendered; or
7.1.7 when the Certificate lapses, becomes void, or is terminated in any other manner.
7.2 The Takaful Operator shall be entitled to terminate this Annexure immediately when a
change in risk as stated in Section 5.5 above has rendered the Person Covered no longer
protected by the Takaful Operator.
7.3 Any Units cancelled for Tabarru’ on this Annexure after its termination shall be credited
back into the PUA.
7.4 This Annexure may be continued at the Takaful Operator’s sole and absolute discretion
after the Basic Sum Covered of this Certificate has been fully paid in accordance with the
terms and conditions of this Certificate.
**END OF PAGE**
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i-CONTRIBUTOR BENEFIT PLUS RIDER (IL CBP)
ANNEXURE AL03
This i-Contributor Benefit Plus Rider (“this Annexure”) has the right to share in the surplus of the Tabarru’
Fund and has surrender value which is part of the Participant’s Unit Account.
1. DEFINITIONS
For the purpose of this Annexure, the following words or expressions, whenever mentioned in this
Certificate:-
“Activities of Daily Living” means all of the following:

(a) Transfer
Getting in and out of a chair without requiring physical assistance.
(b) Mobility
The ability to move from room to room without requiring any physical assistance.
(c) Continence
The ability to voluntarily control bowel and bladder functions such as to maintain personal
hygiene.
(d) Dressing
Putting on and taking off all necessary items of clothing without requiring assistance of
another person.
(e) Bathing/Washing
The ability to wash in the bath or shower (including getting in or out of the bath or shower)
or wash by any other means.
(f) Eating
All tasks of getting food into the body once it has been prepared.
“Certificate” means the basic Certificate to which this Annexure is attached.
“Claim Event Date” refers to the date of Your death or suffer from Total and Permanent
Disability or You are diagnosed with a Covered Event, whichever occurs first.
“Consultant Neurologist” means a Medical Practitioner who is board certified in neurology and
a Fellow of the Neurological Society in either the United Kingdom, the United States of America,
Canada or Australia.
“Contributor Riders” refers to a category of benefits in which the future contributions will be paid
from Tabarru’ Fund upon death, Total and Permanent Disability, diagnosis of a Covered Event or
similar nature, which are determined by the Takaful Operator at its sole and absolute discretion.
“Covered Event” means any of the events specified and defined in the Endorsement No.TE017
(CIDEFN). For the purpose of this Annexure, Angioplasty and Other Invasive Treatments for
Major Coronary Artery Disease as specified and defined in the Endorsement No. TE017
(CIDEFN) shall be excluded.
“Designated Contributions” means the amount of contributions which will be paid from Tabarru’
Fund under this Annexure as shown under the Amount of Benefits in the Table of Supplementary
Benefits in Takaful Schedule A or in an endorsement issued by the Takaful Operator, as the case
may be.
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“Diagnosis” means the definitive diagnosis made by a Medical Practitioner or Consultant

Neurologist, based upon such specific evidence, referred to in the definition of the particular
Covered Event concerned or, in the absence of such specific evidence, based upon radiological,
clinical, histological or laboratory evidence acceptable to the Takaful Operator.
Such diagnosis must be supported by the Takaful Operator’s appointed Medical Practitioner who
may base his opinion on the medical evidence submitted by the claimant and/or any additional
evidence he may require.
may be, on which Your coverage has ceased accordingly.
“Medical Practitioner” means a surgeon or physician qualified by degree in western medicine,
who is legally licensed and duly qualified to practise medicine and surgery authorised in the
geographical area of his practice, and who also possesses a current Annual Practicing Certificate
issued by the Malaysian Medical Council.
“Rider Effective Date” refers to the Effective Date or date of inclusion of this Annexure if it has
been subsequently included to this Certificate or date of any reinstatement, whichever is the later,
on which Your coverage under this Annexure has become effective.
“Sum Covered” at a given contribution due date refers to the sum of commuted values on the
Designated Contributions, starting from the next contribution due date and ending on the
contribution due date immediately prior to the Expiry Date. The Sum Covered will remain
unchanged until the next contribution due date.
“Total and Permanent Disability” or “TPD” is defined as a state of incapacity which:
(a) becomes total and permanent where at all times on or after occurrence of such condition,
there is not any work, occupation or profession that the Contributor can ever sufficiently do
or follow to earn or obtain any wages, compensation or profit; or
(b) is caused by any of the following:
(1) total and irrecoverable loss of sight of both eyes; or
(2) total and irrecoverable loss of use of two limbs at or above the wrist or ankle; or
(3) total and irrecoverable loss of sight of one eye and loss of use of one limb at or above
the wrist or ankle; or
(c) renders You disabled to such an extent as to be totally and permanently unable to perform
at least three (3) of the listed Activities of Daily Living even with the use of mechanical
equipment, special devices or other aids and adaptations in use for disabled persons.
For the purpose of this benefit, the word “permanent” shall mean beyond the hope of recovery
with the medical knowledge and technology at the time of the admission of claim. The resultant
permanent functional impairment is to be verified by a Medical Practitioner and duly concurred by
the Takaful Operator’s medical officer.
When You have attained the age of seventy (70) years next birthday and above, the condition (a)
under the above definition of “Total and Permanent Disability” shall not apply.
“TPD Endorsements” refers to a category of endorsements which pays benefits upon
occurrence of Total and Permanent Disability, which are determined by the Takaful Operator at its
sole and absolute discretion.
“Type I Waiting Period” which is only applicable to Category I Covered Events means the first
sixty (60) days from the Rider Effective Date.
“Type II Waiting Period” which is only applicable to Category II Covered Events means the first
thirty (30) days from the Rider Effective Date.
“Waiting Period” for any Covered Event refers to Type I Waiting Period if the Covered Event is
classified under Category I Covered Events or Type II Waiting Period if the Covered Event is
classified under Category II Covered Events.
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2. TABARRU’
Date up to and including the due date immediately prior to the Expiry Date, from the
Participant’s Unit Account in respect of the Sum Covered, by cancelling Units valued at their
respective Net Asset Value on the Next Valuation Date following each due date of the
Tabarru’. The Tabarru’ will then be credited into Tabarru’ Fund.
2.2 The Tabarru’ in respect of the Sum Covered will be calculated at the Takaful Operator’s
rates based on Your attained age next birthday which falls on or prior to a Certificate
Anniversary preceding each due date of Tabarru’.
2.3 The standard Tabarru’ rates per annum vary by Your age, gender and smoker status and
these rates are given in Takaful Schedule F.
2.4 The Tabarru’ rate is subject to revision. The Takaful Operator may vary these rates by
giving at least thirty (30) days advance written notice to You in accordance with ‘Notices
and Correspondence’ clause of the Privileges and Conditions. Any upward revision of the
rates shall take effect on the Certificate Anniversary immediately following the expiry of the
thirty (30) days advance written notice. However, for any downward revision of the charges,
the Takaful Operator reserves the right to implement it immediately without giving any
notice.
3. BENEFITS
While this Annexure is inforce and subject to its terms and conditions, all future Designated
Contributions becoming due under this Certificate, beginning from the next contribution due date
immediately following the Claim Event Date, up to and including the due date of the Designated
Contribution immediately prior to the Expiry Date, will be paid from the Tabarru’ Fund, upon the
earliest of the following events:
(a) Your death; or
(b) Your Total and Permanent Disability occurring before the Certificate Anniversary on which
You attain the age of seventy (70) years next birthday; or
(c) occurrence of a Covered Event ( Angioplasty And Other Invasive Treatments for Major
Coronary Artery Disease is excluded) to You.
3.1 The Designated Contribution will be apportioned to the Funds as specified by You in the
proposal for family takaful or any other document prescribed and accepted by the Takaful
Operator for contribution apportionment or alteration of contribution apportionment.
3.2 The number of Units to be allocated to this Certificate for the Designated Contribution
3.2.1 from the Claim Event Date up to the date of admission of the claim will be
determined by reference to their respective Net Asset Value established on the
Next Valuation Date immediately following the date of admission of the claim; and
3.2.2 thereafter up to the contribution due date immediately prior to the Expiry Date will
be determined by reference to their respective Net Asset Value established on the
Next Valuation Date immediately following each contribution due date,
subject to the appropriate contribution allocation rate to purchase Units as specified in
Takaful Schedule B.
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3.4 Any Tabarru’ that has been deducted after the Claim Event Date will be apportioned to the
Funds as specified by You in the proposal for family takaful or any other document
prescribed and accepted by the Takaful Operator for contribution apportionment or
alteration of contribution apportionment. The number of Units to be allocated for the
Tabarru’ will be determined by reference to their respective Net Asset Value established on
the Next Valuation Date immediately following the date of admission of the claim and in
accordance with the contribution allocation rate for Investment Top-ups as set out in
Takaful Schedule B.
3.5 Any Designated Contribution corresponding to the Basic Contribution that has been fully
paid in advance will be commuted at the date of admission of the claim and at a rate to be
determined by the Takaful Operator. The commuted value will be treated in the same
manner as that of the Tabarru’ as described in Section 3.4.
3.6 All future Designated Contribution becoming due and that has not been commuted to
purchase additional Units will be treated in the same manner as described in Sections 3.1,
3.2 and 3.3 beginning from the next contribution due date immediately following the Claim
Event Date and ending after the Designated Contribution due on the date immediately prior
to the Expiry Date has been allocated towards the purchase of Units.
3.7 For the avoidance of doubt, no Designated Contribution falling due on or after the Expiry
Date will be paid from the Tabarru’ Fund.
4. CONDITIONS
4.1 The due observance and fulfillment of the terms and conditions of this Annexure by You
and in so far as they relate to anything to be done or complied with by You shall be
conditions precedent to any liability of the Takaful Operator.
4.2 The TPD or Covered Event for which the claim is made must be diagnosed by a Medical
Practitioner and must be supported by clinical, radiological, histological and laboratory
evidence acceptable to the Takaful Operator; all such medical evidence must be furnished
by the claimant at own expense, and in such form that the Takaful Operator may require.
4.3 If required by the Takaful Operator, You must undergo medical examination(s) by a Medical
Practitioner appointed by the Takaful Operator in connection with the TPD or Covered
Event for which the claim is made.
4.4 Designated Contributions will be paid from Tabarru’ Fund under one of the Contributor
Riders that have been attached to this Certificate.
4.5 Conditions Governing TPD
4.5.1 You must notify the Takaful Operator in writing of any claim as soon as it is
practicable. In any case, You must produce satisfactory proof of Your TPD on forms
furnished by the Takaful Operator within one-hundred eighty (180) days from the
date of commencement of the TPD.
4.5.2 Your TPD must be certified by a Medical Practitioner appointed by the Takaful
Operator, to have continued for at least six (6) consecutive months from the date of
commencement of the TPD.
4.5.3 If You cease to be totally and permanently disabled after a claim for the TPD, the
Designated Contribution payment payable on your behalf from the Tabarru’ Fund
will cease immediately and all benefits provided under Section 3 will cease
immediately and Tabarru’ will be deducted again from the due date following the
cessation of the TPD.
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4.6 Conditions Governing Covered Events

4.6.1 You must notify the Takaful Operator in writing of any occurrence of a Covered
Event as soon as it is practicable, otherwise, the Takaful Operator will not be liable
for the Covered Event.
4.6.2 Tabarru’ Fund will not be used to pay for any Covered Event for which:
4.6.2.1 any condition existed or was diagnosed:
4.6.2.1.1 during the Waiting Period; or
4.6.2.1.2 after the expiry of the Waiting Period but which is related to a
condition which existed or was diagnosed during the Waiting
Period; or
4.6.2.2 signs and symptoms existed before or during the Waiting Period which
would prompt a reasonable person to seek medical care or attention,
though the resulting diagnosis may occur before or after the expiry of the
Waiting Period.
4.6.3 A claim for a Covered Event described in Section 4.6.2.1 and/or Section 4.6.2.2
above will not be admissible only because notification of the said claim was given to
the Takaful Operator after the expiry of the Waiting Period.
5. EXCLUSIONS
The Takaful Operator will not be liable to pay any benefit under this Annexure if:
5.1 Your death is due to suicide, while sane or insane within one (1) year from the Rider
Effective Date.
5.2 Your TPD or Covered Event:
5.2.1 has existed prior to or on the Rider Effective Date; or
5.2.2 is caused directly or indirectly by self-inflicted injuries, while sane or insane; or
5.2.3 is resulted from committing, attempting or provoking an assault or a felony or from
any violation of law by You; or
5.2.4 is resulted from war, whether declared or undeclared.
5.3 Your TPD which is caused by bodily injury sustained as a result of parachuting or sky diving
or engaging in aerial flights other than as a crew member or as a fare-paying passenger of
a licensed commercial airline operating on a regular scheduled route.
6. TERMINATION
6.1 This Annexure shall automatically be terminated on the earliest of the following dates, upon
any of the following events take place:
6.1.1 once a claim under Section 3 above is admitted; or
6.1.5 when this Certificate is surrendered; or
6.1.6 when this Certificate lapses, becomes void or is terminated in any other manner.
**END OF PAGE**
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i-HOSPITALISATION BENEFITS RIDER (IL HB)
ANNEXURE AH01
This i-Hospitalisation Benefits Rider (“this Annexure”) has the right to share in the surplus of the Tabarru’
Fund and has surrender value which is part of the Participant’s Unit Account.
1. DEFINITIONS
Certificate:-
“Accident” means a sudden, unintentional, unexpected, unusual, and specific event that occurs
at an identifiable time and place which shall, independently of any other cause, be the sole cause
of bodily injury.
“Amount of Benefits” means the daily cash benefit specified in the Table of Supplementary
may be.
“Certificate Anniversary” means the anniversary of Rider Effective Date.
“Certificate Year” refers to the one-year period which starts on the Rider Effective Date or any
Certificate Anniversary, and ends on the day before the first Certificate Anniversary or the
following Certificate Anniversary, as the case may be, or the one-year period which starts on the
date the Renewal or Renewed Certificate takes effect or any Certificate Anniversary of the
Renewal or Renewed Certificate.
“Disability” means a Sickness, Disease, Illness or the entire injuries arising out of a single or
continuous series of causes.
“Doctor” or “Physician” or “Surgeon” means a registered medical practitioner qualified and
licensed to practice western medicine and who, in rendering his service, is practising within the
scope of his licensing and training in the geographical area of practice, but excluding a doctor,
physician or surgeon who is the Person Covered himself.
may be.
“Hospital” means only an establishment duly constituted and registered as a hospital for the care
and treatment of sick and injured persons as paying bed-patients, and which:-
(a) has facilities for diagnosis and major surgery,
(b) provides 24 hour a day nursing services by registered and graduate nurses,
(c) is under the supervision of a Physician, and
(d) is not primarily a clinic; a place for alcoholics or drug addicts; a nursing, rest or
convalescent home or a home for the aged or similar establishment.
“Hospitalisation” means admission to a Hospital as a registered Inpatient for a continuous
period of at least eight (8) consecutive hours on Medically Necessary treatments for a covered
Disability upon recommendation of a Physician. A patient shall not be considered as an Inpatient
if the patient does not physically stay in the hospital for the whole period of confinement.
“Illness”, “Sickness” or “Disease” means a physical condition marked by a pathological
deviation from the normal healthy state.
“Injury” means bodily injury caused solely by Accident.
“Inpatient” means a Person Covered who has been assigned to a hospital bed during
Hospitalisation, which is not in the Outpatient department of a Hospital.
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“Intensive Care Unit” means a section within a Hospital which is designated as an Intensive
Care Unit by the Hospital, and which is maintained on a twenty-four (24) hour basis solely for
treatment of patients in critical condition and is equipped to provide special nursing and medical
services not available elsewhere in the Hospital.
“Medically Necessary” means a medical service which is:-
(a) consistent with the diagnosis and customary medical treatment for a covered Disability; and
(b) in accordance with standards of good medical practice, consistent with current standard of
professional medical care, and of proven medical benefits; and
(c) not for the convenience of the Person Covered or the Physician, and unable to be
reasonably rendered out of hospital (if admitted as an Inpatient); and
(d) not of an experimental, investigational or research nature, preventive or screening nature;
and
(e) for which the charges are fair and reasonable and customary for the Disability.
“Person Covered” means the person who is covered under this Certificate as named in Takaful
Schedule A and whose cover has not been terminated.
“Pre-existing Illness” means disabilities that the Person Covered has reasonable knowledge of,
prior to the Rider Effective Date. A Person Covered may be considered to have reasonable
knowledge of a Pre-existing Illness where the condition is one for which:-
(a) the Person Covered had received or is receiving treatment; or
“Renewal or Renewed Certificate” means a Certificate which upon expiry of the preceding
Certificate has been renewed without any lapse of time and which provisions remain unchanged.
been subsequently included to this Certificate or date of any reinstatement, whichever is later, on
which the coverage of the Person Covered under this Annexure has become effective.
“Surgery” means any of the following medical procedures:
(a) To incise, excise or electrocauterize any organ or body part, except for dental services.
(b) To repair, revise, or reconstruct any organ or body part.
(c) To reduce by manipulation a fracture or dislocation.
(d) Use of endoscopy to remove a stone or object from the larynx, bronchus, trachea,
esophagus, stomach, intestine, urinary bladder, or urethra.
“Waiting Period” means the first thirty (30) days from the Rider Effective Date. This shall not be
applicable after the first year of cover. However, if there is a break in coverage in any Certificate
Year, the Waiting Period shall apply again.
2. TABARRU’
Participant’s Unit Account by cancelling Units valued at their respective Net Asset Value on
the Next Valuation Date following each due date of the Tabarru’. The Tabarru’ will then be
credited into the Tabarru’ Fund.
2.2 The Tabarru’ will be calculated at the Takaful Operator’s rates based on the attained age
next birthday of the Person Covered which falls on a Certificate Anniversary preceding
each due date of Tabarru’.
2.3 The standard Tabarru’ rates per annum for the Person Covered’s gender and occupation
classification are given in Takaful Schedule K1.
2.4 Tabarru’ rate is subject to revision. The Takaful Operator may vary these rates by giving at
least thirty (30) days’ advance written notice to You in accordance with ‘Notices and
Correspondence’ clause of the Privileges and Conditions. Any upward revision of these
rates shall take effect on the Certificate Anniversary immediately following the expiry of the
thirty (30) days’ advance written notice. However, for any downward revision of the rates,
the Takaful Operator reserves the right to implement it immediately without giving advance
notice.
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3. BENEFITS
While this Annexure is inforce and subject to its terms and conditions, upon receipt and approval
of due proof such as original bills, receipts and/or other evidence satisfactory to the Takaful
Operator that the Person Covered is confined to a Hospital due to Illness or Injury, the Takaful
Operator will pay a daily cash benefit (“Hospitalisation Benefits”) for the duration of his
Hospitalisation for:
(a) Illness which existed or diagnosed after the Waiting Period; or
(b) Injury which occurred on or after the Rider Effective Date.
The amount of daily Hospitalisation Benefits payable is:

3.1 100% of the Amount of Benefits if the Person Covered is confined in a hospital room and
board; or
3.2 200% of the Amount of Benefits if the Person Covered is confined in an Intensive Care Unit;
However, if the Person Covered is confined to a Hospital due to any cause (except for Injury)
before he attains the age of three (3) years next birthday, the amount of daily Hospitalisation
Benefits payable will be revised based on the table below:
Age Next Birthday of the Revised Amount of

Person Covered on Daily Hospitalisation Benefits Payable
Certificate Anniversary
Confined in a Hospital Confined in an
preceding occurrence of
Room and Board Intensive Care Unit
a valid claim event
1 50% of the Amount of Benefits 100% of the Amount of Benefits
2 75% of the Amount of Benefits 150% of the Amount of Benefits
The aggregate duration of all Hospitalisation of a Person Covered shall be limited to a maximum
of one hundred and fifty (150) days in a Certificate Year, further subject to an overall limit of five
hundred (500) days under this Annexure.
4. CONDITIONS
4.1 Assignee
An Assignee under this Certificate shall not be entitled to any benefit payable under this
Annexure.
4.2 Person Eligible

Person eligible to be covered under this Annexure is:-
4.2.1 the Person Covered whose age must be within the eligible age as determined by
the Takaful Operator; and
4.2.2 must also be a citizen of Malaysia or a permanent resident of Malaysia or a
foreigner holding a valid and current working permit who is working in Malaysia.
4.3 Misstatement of Age

If the age of the Person Covered has been misstated and the Tabarru’ deducted as a result
of it is insufficient, any claim payable under this Annexure shall be prorated based on the
ratio of the actual deducted Tabarru’ to the Tabarru’ which should have been charged for
the year. Any excess Tabarru’ which may have been paid as a result of such misstatement
of age, shall be credited back into the Participant’s Unit Account.
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If at the correct age, the Person Covered would not have been eligible for cover under this
Annexure, no benefit shall be payable and only the Units which have been deducted for the
contribution of Tabarru’ will be credited back into the Participant’s Unit Account.
4.4 Misrepresentation / Fraud

If the proposal or declaration of the Person Covered is untrue in any respect or if any
material fact affecting the risk be incorrectly stated herein or omitted there from, or if this
coverage or any subsequent renewal shall have been obtained through any misstatement,
misrepresentation or suppression, or if any claim or statement shall be made in support
thereof, then in any of these cases, this Annexure shall be void.
4.5 Change in Risk

The Person Covered shall give immediate notice in writing to the Takaful Operator of any
material change in his occupation, business, duties or pursuits; and pay any additional
Tabarru’ that may be required by the Takaful Operator. However, if such change in risk has
rendered the Person Covered no longer protected by the Takaful Operator, the Takaful
Operator shall be entitled to terminate this Annexure in accordance with Section 6.2 below.
4.6 Geographical Territory

All benefits provided in this Annexure are applicable worldwide for twenty-four (24) hours a
day.
4.7 Residence Overseas and Overseas Treatment

No benefit shall be payable in the event that the Person Covered is confined in a Hospital
outside Malaysia, while the Person Covered resides or travels outside Malaysia for more
than ninety (90) consecutive days.
4.8 Certification, Information and Evidence

All certificates, information, medical reports and evidence as required by the Takaful
Operator shall be furnished by the claimant at own expense, and in such form that the
Takaful Operator may require.
4.9 Maximum Benefit

Total amount of Hospitalisation Benefits payable under this Annexure will be limited to an
overall limit of five hundred (500) days of Hospitalisation.
4.10 Claim Procedures

Prior to payment of any benefit payable under this Annexure, the amount of any
indebtedness on this Certificate shall first be deducted from the benefits payable.
4.10.1 The Person Covered shall within thirty (30) days of a Disability that incurs claimable
expenses, give written notice to the Takaful Operator stating full particulars of such
event, including all original bills and receipts, and a full Physician's report stipulating
the diagnosis of the condition treated and the date the Disability commenced in the
Physician's opinion and the Physician's summary of the cost of treatment including
medicines and services rendered.
Failure to furnish such notice within the time allowed shall not invalid any claim if it
is shown not to have been reasonably possible to furnish such notice and that such
notice was furnished as soon as was reasonably possible.
4.10.2 All claims must be submitted to the Takaful Operator within thirty (30) days of
completion of the events for which the claim is being made. Claims are not deemed
complete and eligible benefits are not payable unless all bills for such claims have
been submitted and agreed upon by the Takaful Operator.
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4.11 Condition Precedent to Liability

The due observance and the fulfilment of the terms and conditions of this Annexure by the
4.12 Reinstatement
You may request to reinstate this Annexure within twelve (12) months from the date of
lapse, at the Takaful Operator’s option subject to the following conditions:
4.12.1 Your written application for reinstatement is received by the Takaful Operator; and
4.12.2 the Person Covered is within the allowable age limit as determined by the Takaful
Operator at the time of reinstatement; and
4.12.3 evidence of ability to be covered satisfactory to the Takaful Operator is received by
the Takaful Operator and if any medical reports and/or tests is required by the
Takaful Operator, all costs in relation to these medical reports and/or test are to be
borne by You; and
4.12.4 You must inform the Takaful Operator of any change in the health of the Person
Covered or any circumstances that may affect the health of the Person Covered up
to the date of reinstatement; and
4.12.5 any other conditions that the Takaful Operator may impose at the material time.
The Takaful Operator will either approve or reject or impose additional conditions that it
deems fit on Your application for the reinstatement at its sole and absolute discretion.
4.13 Alterations
The Takaful Operator reserves the right to amend the terms and conditions of this Annexure
by giving thirty (30) days advance written notice in accordance with ‘Notices and
Correspondence’ clause of the Privileges and Conditions, and such amendment shall be
applicable from the next Certificate Anniversary immediately following the expiry of the thirty
(30) days advance written notice. No alteration to this Annexure shall be valid unless
authorized by the Takaful Operator and such approval is endorsed thereon.
4.14 Legal Proceeding

No action at law or in equity shall be brought to recover on this Annexure prior to the
expiration of sixty (60) days after written proof of loss has been furnished in accordance
with the requirements of this Annexure. If the Person Covered shall fail to supply the
requisite proof of loss as stipulated by the terms and conditions of this Annexure, the
Person Covered may, within a grace period of one (1) calendar year from the date that the
written proof of loss to be furnished, submit the relevant proof of loss to the Takaful
Operator with cogent reason(s) for the failure to comply with the terms and conditions of
this Annexure. The acceptance of such proof of loss shall be at the sole and discretion of
the Takaful Operator. After such grace period has expired, the Takaful Operator will not
accept, for any reason whatsoever, such written proof of loss.
4.15 Subrogation
If the Takaful Operator become liable for any payment under this Annexure, the Takaful
Operator shall be subrogated to the extent of such payment to all the rights and remedies
of the Person Covered against any party and shall be entitled at its own expense to sue in
the name of the Person Covered, the Person Covered shall give or cause to be given to the
Takaful Operator all such assistance in his/her power as the Takaful Operator shall require
to secure the rights and remedies and at the Takaful Operator’s request shall execute or
cause to be executed all documents necessary to enable the Takaful Operator to
effectively bring suit in the name of the Person Covered.
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5. EXCLUSIONS
The Takaful Operator will not pay any benefit under this Annexure, as a result of, including of any
of the following whether directly or indirectly:
5.1 suicide, attempted suicide or self-inflicted injuries, while sane or insane;
5.2 war or any act of war, declared or undeclared, criminal or terrorist activities, active duty in
any armed forces, direct participation in strike, riots and civil commotion or insurrection;
5.3 from the Person Covered engaging in commando or bomb disposal duties/training;
5.4 engaging in aerial flights other than as a crew member or as a fare-paying passenger of a
licensed commercial airline operating on a regular scheduled route;
5.5 as a result of the Person Covered committing, attempting or provoking an assault or a
felony, or from any violation or attempted violation of law by the Person Covered or
resistance to arrest;
5.6 while under the influence of alcohol or drugs unless taken as prescribed by a Physician;
5.7 Injury arising from racing of any kind (except for foot racing), hazardous sports or activities
that involve speed, height, high level of physical exertion, highly specialized gear or
spectacular stunts such as but not limited to bungee jumping, parachuting, scuba-diving,
sky-diving, water skiing, underwater activities requiring breathing apparatus, winter sports,
Professional Sports and illegal activities. For the avoidance of doubt, “Professional Sports”
means engaging in any physical activity in a professional capacity or where the Person
Covered would or could earn income or remuneration from engaging in such activity;
5.8 Alcoholism, depression, illegal drugs, intoxication, venereal disease and its sequelae,
pregnancy, child birth (including surgical delivery), miscarriage, abortion and prenatal or
postnatal care and surgical, mechanical or chemical contraceptive methods of birth control
or treatment pertaining to infertility, Erectile dysfunction and tests or treatment related to
impotence or sterilization;
5.9 Pre-existing Illness;
5.10 psychotic, mental or nervous disorders, (including any neuroses and their physiological or
psychosomatic manifestations);
5.11 any treatment or test in connection with AIDS or the presence of any Human
Immuno-deficiency Virus infection and all sexually transmitted diseases;
5.12 any Accident caused by mosquito bites, worm infestations such as "Hookworms" and
allergic reaction to insect bites during the Waiting Period;
5.13 Hospitalisation primarily for investigatory purposes, diagnosis, x-ray examination, general
physical or medical examinations, not incidental to treatment or diagnosis of a covered
Disability or any treatment which is not Medically Necessary and any preventive treatments,
preventive medicines or examinations carried out by a Physician, and treatments
specifically for weight reduction or gain; or
5.14 ionizing radiation or contamination by radioactivity from any nuclear fuel or nuclear waste
from process of nuclear fission or from any nuclear weapons material.
6. TERMINATION
6.1.2 once the overall limit of five hundred (500) days of Hospitalisation has been
exceeded; or
6.1.5 when the Certificate lapses, becomes void, is surrendered or terminated in any
other manner.
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6.2 The Takaful Operator shall be entitled to terminate this Annexure immediately when a
change in risk as stated in Section 4.5 above has rendered the Person Covered no longer
protected by the Takaful Operator.
6.3 Any Units cancelled for Tabarru’ on this Annexure after its termination shall be credited
back into Participant’s Unit Account.
**END OF PAGE**
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i-PROVIDER PLUS RIDER (IL PP)
ANNEXURE AL06
This i-Provider Plus Rider (“this Annexure”) has the right to share in the surplus of Tabarru’ Fund and has
surrender value which is part of the PUA.
1. DEFINITIONS
Certificate:-

“Claim Event Date” refers to the date that the Person Covered suffers Total and Permanent
Disability or is diagnosed with a Covered Event.
“Consultant Neurologist” means a Medical Practitioner who is board certified in neurology and
a Fellow of the Neurological Society in either the United Kingdom, the United States of America,
Canada or Australia.
“Covered Event” means any of the events specified and defined in the Endorsement No. TE017
(CIDEFN) of this Certificate. For the purpose of this Annexure, Angioplasty and Other Invasive
Treatments for Major Coronary Artery Disease as specified and defined in the Endorsement No.
TE017 shall be excluded.
“Designated Contributions” means the amount of contributions which will be paid from Tabarru’
Fund under this Annexure as shown under the Amount of Benefits in the Table of Supplementary
may be.
Neurologist, based upon such specific evidence, referred to in the definition of the particular
may base his opinion on the medical evidence submitted by the claimant and/or any additional
evidence he may require.
may be, on which the coverage of the Person Covered has ceased accordingly.
“Pre-Specified Contribution” refers to the claim benefit equivalent to the Basic Investment
Contribution under this Certificate on the Claim Event Date.
“Provider Riders” refers to a category of benefits in which defined contributions will be paid from
the Tabarru’ Fund upon death, Total and Permanent Disability, diagnosis of a Covered Event or
similar nature, which are determined by the Takaful Operator at its sole and absolute discretion.
AL06/V05/09-2019 Page 1 of 5 0510/022618/ 64

been subsequently included to this Certificate or date of any reinstatement, whichever is the later,
on which the coverage of the Person Covered under this Annexure has become effective.
“Sum Covered” at a given contribution due date refers to the sum of commuted values on the
Designated Contributions, starting from the next contribution due date and ending on the
contribution due date immediately prior to the Expiry Date. The Sum Covered will remain
unchanged until the next contribution due date.
“Total and Permanent Disability” or “TPD” is a state of incapacity as specified and defined in
the TPD Endorsements attached to this Certificate.
“TPD Endorsements” refers to a category of endorsements which pays benefits upon
occurrence of Total and Permanent Disability, which are determined by the Takaful Operator at its
sole and absolute discretion.
“Type I Waiting Period” which is only applicable to Category I Covered Events means the first
sixty (60) days from the Rider Effective Date.
“Type II Waiting Period” which is only applicable to Category II Covered Events means the first
thirty (30) days from the Rider Effective Date.
“Waiting Period” for any Covered Event refers to Type I Waiting Period if the Covered Event is
classified under Category I Covered Events or Type II Waiting Period if the Covered Event is
classified under Category II.
2. TABARRU’
Participant’s Unit Account in respect of the Sum Covered, by cancelling Units valued at their
respective Net Asset Value on the Next Valuation Date following each due date of the
Tabarru’. The Tabarru’ contribution will then be credited into the Tabarru’ Fund.
2.2 The Tabarru’ rate in respect of the Sum Covered will be calculated at the Takaful Operator’s
rates based on the attained age next birthday of the Person Covered which falls on or prior
to a Certificate Anniversary preceding each due date of Tabarru’.
2.3 The standard Tabarru’ rates per annum varies by age, gender and smoker status of the
Person Covered and these rates are given in Takaful Schedule I.
2.4 The Tabarru’ rate is subject to revision. The Takaful Operator may vary these charges by
giving at least thirty (30) days’ advance written notice to You in accordance with ‘Notices
and Correspondence’ clause of the Privileges and Conditions. Any upward revision of the
charges shall take effect on the Certificate Anniversary immediately following the expiry of
the thirty (30) days’ advance written notice. However, for any downward revision of the
charges, the Takaful Operator reserves the right to implement it immediately without giving
any notice to You.
3. BENEFITS
While this Annexure is inforce and subject to its terms and conditions, if Total and Permanent
Disability of the Person Covered occurs before the Expiry Date and also before the Certificate
Anniversary on which he attains the age of seventy (70) years next birthday or upon occurrence
of any one of the Covered Event ( Angioplasty And Other Invasive Treatments for Major Coronary
Artery Disease is excluded)]to the Person Covered before the Expiry Date, the Takaful Operator
will provide the following benefits:
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3.1 All future Designated Contributions becoming due under this Certificate will be paid from the
Tabarru’ Fund, beginning from the next contribution due date immediately following the
Claim Event Date and ending on the contribution due date immediately prior to the Expiry
Date.
3.2 The Pre-Specified Contribution will be apportioned to the Funds as specified by You in the
proposal for family takaful or any other document prescribed and accepted by the Takaful
Operator for contribution apportionment or alteration of contribution apportionment.
3.3 The number of Units to be allocated to this Certificate for the Pre-Specified Contribution
3.3.1 from the Claim Event Date up to the date of admission of the claim will be
determined by reference to their respective Net Asset Value established on the
Next Valuation Date immediately following the date of admission of the claim; and
3.3.2 thereafter up to the contribution due date immediately prior to the Expiry Date will
be determined by reference to their respective Net Asset Value established on the
Next Valuation Date immediately following each contribution due date,
subject to the appropriate contribution allocation rate to purchase Units as specified
in Takaful Schedule B.
3.5 Any Tabarru’ rate that has been deducted after the Claim Event Date will be apportioned to
the Funds as specified by You in the proposal for family takaful or any other document
prescribed and accepted by the Takaful Operator for contribution apportionment or
alteration of contribution apportionment. The number of Units to be allocated for the
accordance with the contribution allocation rate for Investment Top-ups as set out in Takaful
Schedule B.
3.6 Any Pre-Specified Contribution corresponding to the Basic Investment Contribution that has
been fully paid in advance will be commuted at the date of admission of the claim and at a
rate to be determined by the Takaful Operator. The commuted value will be treated in the
same manner as that of the Tabarru’ as described in the item 3.5 of this Section.
3.7 All future Pre-Specified Contribution becoming due and that has not been commuted to
purchase additional Units will be treated in the same manner as described in items 3.2, 3.3
and 3.4 of this Section beginning from the next contribution due date immediately following
the Claim Event Date and ending after the Pre-Specified Contribution due on the date
immediately prior to the Expiry Date has been allocated towards the purchase of Units.
No Designated Contributions falling due on or after the Expiry Date will be paid or allocated
towards the purchase of Units.
4. CONDITIONS
4.1 The due observance and fulfilment of the terms and conditions of this Annexure by the
4.2 The TPD or Covered Event for which the claim is made must be diagnosed by a Medical
Practitioner and must be supported by clinical, radiological, histological and laboratory
evidence acceptable to the Takaful Operator; all such medical evidence must be furnished
by the claimant at own expense, and in such form that the Takaful Operator may require.
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4.3 If required by the Takaful Operator, the Person Covered must undergo medical
examination(s) by a Medical Practitioner appointed by the Takaful Operator in connection
with the TPD or Covered Event for which the claim is made.
4.4 Designated Contributions will be paid under one of the i-Provider Riders that have been
attached to this Certificate.
4.5 Conditions Governing Total and Permanent Disability
4.5.1 You must notify the Takaful Operator in writing of any claim as soon as it is
practicable. In any case, You must produce satisfactory proof of TPD of the Person
Covered on forms furnished by the Takaful Operator within one-hundred eighty
(180) days from the date of commencement of the TPD.
4.5.2 TPD of the Person Covered must be certified by a Medical Practitioner appointed
by the Takaful Operator, to have continued for at least six (6) consecutive months
from the date of commencement of the TPD.
4.5.3 No court action or other proceedings shall be brought by You or on Your behalf
within twelve (12) months from the date of commencement of the TPD.
4.5.4 If the Person Covered ceases to be totally and permanently disabled after a claim
for the TPD, the payment of Designated Contributions and all benefits provided
under Section 3 will cease immediately and Tabarru’ will become payable again
from the due date following the cessation of the TPD.
4.6 Conditions Governing Covered Events
4.6.1 You must notify the Takaful Operator in writing of any occurrence of a Covered
Event as soon as it is practicable, otherwise, the Takaful Operator will not be liable
for the Covered Event.
4.6.2 No Designated Contributions will be paid for any Covered Event for which:
4.6.2.1 any condition existed or was diagnosed:
4.6.2.1.1 during the Waiting Period; or
4.6.2.1.2 after the expiry of the Waiting Period but which is related to a
condition which existed or was diagnosed during the Waiting
Period; or
4.6.2.2 signs and symptoms existed before or during the Waiting Period which
would prompt a reasonable person to seek medical care or attention,
though the resulting diagnosis may occur before or after the expiry of the
Waiting Period.
4.6.3 A claim for a Covered Event described in 4.6.2.1 and/or 4.6.2.2 above will not be
admissible only because notification of the said claim was given to the Takaful
Operator after the expiry of the Waiting Period.
The future payments from Tabarru’ Fund is only applicable under one of the
Provider Riders that have been attached to this Certificate.
5. EXCLUSIONS
The Takaful Operator will not be liable to pay any benefit under this Annexure if:
5.1 the TPD or the Covered Event of the Person Covered:
5.1.1 has existed prior to or on the Rider Effective Date ; or
5.1.2 is caused directly or indirectly by self-inflicted injuries, while sane or insane; or
5.1.3 is resulted from the Person Covered committing, attempting or provoking an assault
or a felony or from any violation of law by Person Covered; or
5.1.4 is resulted from war, whether declared or undeclared.
5.2 the TPD of the Person Covered which is caused by bodily injury sustained as a result of
parachuting or sky diving or engaging in aerial flights other than as a crew member or as a
fare-paying passenger of a licensed commercial airline operating on a regular scheduled
route.
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6. TERMINATION
6.1.1 if a claim under Section 3 above is admitted; or
6.1.5 when this Certificate is surrendered; or
6.1.6 when this Certificate lapses, becomes void or is terminated in any other manner.
**END OF PAGE**
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ENDORSEMENT
ENDORSEMENT NO. TE037 (NOMTRU)
For the purpose of this Endorsement, the following words or expressions, whenever mentioned in this
Endorsement, shall have the same meaning as ascribed to it in this Certificate.
With effect from the Effective Date of this Certificate, the following person/s is/are appointed as
beneficiary(ies) and/or executor(s) under this Certificate:
BENEFICIARY(IES) RELATIONSHIP NRIC. NO. SHARES

(A) PUAN NUR HIDAYU BINTI ABD JALIL MOTHER 860327-07-5064 100%
The takaful benefit will be distributed according to the named beneficiary(ies) above (as Hibah). However,
for Muslims, the portion from Participant’s Unit Account (PUA) shall be distributed based on Faraid
distribution laws.
At Your request, by filing up the Hajj by Proxy Service Form or where Annexure AHIJ or AL08 is attached
to this Certificate, the organization appointed by the Takaful Operator will be named as the nominee to
receive the Badal Hajj Benefit.
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ENDORSEMENT
ENDORSEMENT NO. TE002 (IL TPD)
1. DEFINITIONS
For the purpose of this Endorsement, the following words or expressions, whenever mentioned in
this Endorsement, shall have the following meanings unless otherwise stated. Any word or
expression not specifically defined in this Endorsement shall have the same meaning as ascribed
to it in this Certificate:-

(a) Transfer
(b) Mobility
(c) Continence
hygiene.
(d) Dressing
another person.
(e) Bathing/Washing
(f) Eating
“Disability Net Sum Covered”:-
(a) on any of the Type A ILP means the amount (if any) by which, the Sum Covered calculated
on the basis that the Person Covered has died on the day he suffers Total and Permanent
Disability, exceeds the Total Account Value as at the date of notification of the disability; or
(b) on any of the Type B ILP means the Sum Covered calculated on the basis that the Person
Covered has died on the day he suffers Total and Permanent Disability.
“Certificate” means the basic certificate to which this Endorsement is attached.
“Total and Permanent Disability” or “TPD” is defined as a state of incapacity which:
(a) becomes total and permanent at all times on or after occurrence of such condition, there is
not any work, occupation or profession that the Person Covered can ever sufficiently do or
follow to earn or obtain any wages, compensation or profit; or
(b) is caused by any of the following:
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(c) renders the Person Covered disabled to such an extent as to be totally and permanently
unable to perform at least three (3) of the listed Activities of Daily Living even with the use
of mechanical equipment, special devices or other aids and adaptations in use for disabled
persons.
For the Person Covered who attains the age of seventy (70 years next birthday and above, the
condition (a) under the above definition of “Total and Permanent Disability” shall not apply.
“Type A ILP” or “Type B ILP” refers to the identification made to this Certificate as specified and
shown under the Type of Plan in Takaful Schedule A of this Certificate.
2. TOTAL AND PERMANENT DISABILITY BENEFIT
While this Certificate is inforce and subject to its terms and conditions, if the Person Covered
suffers TPD prior to the Certificate Anniversary on which he attains the age of seventy (70) years
next birthday, the Takaful Operator will:
(i) calculate the Disability Net Sum Covered upon notification of the disability; and
(ii) sell all Units under this Certificate at the Net Asset Value on the Next Valuation Date
immediately after admission of the claim by the Takaful Operator.
Upon admission of the claim, the Takaful Operator will pay the sum of:
(a) the Disability Net Sum Covered in accordance with the terms and conditions of Section 2
below; and
(b) the Total Account Value as determined under sub-clause (ii) of this Section in one lump
sum.
Provided that:
2.1 Total and Permanent Disability of the Person Covered must be certified by a Medical
Practitioner appointed by the Takaful Operator, to have continued for at least six (6)
consecutive months from the date of disability. Satisfactory documentary proof must also be
provided to the Takaful Operator evidencing such continuing disability for at least six (6)
consecutive months at the time of the first lump sum payment and on each subsequent
annual payment.
2.2 If the Person Covered ceases to be totally and permanently disabled, the Takaful Operator
shall discontinue payments as stated in sub-clause 2.3 below and this Certificate shall
continue under such terms and conditions s the Takaful Operator may decide at its sole and
absolute discretion.
2.3 The payment of the Disability Net Sum Covered shall be made in the following manner:
2.3.1 one lump sum payment up to a maximum of RM1,000,000; and
2.3.2 two equal annual payments for any Disability Net Sum Covered exceeding
RM1,000,000 but not exceeding RM2,000,000, the first of which will be made one
year after the date of the lump sum payment stated in sub-clause 2.3.1 above.
This is however further subject to sub-clause 2.4 below.
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2.4 The payment to be made under sub-clause 2.3 above are subject to the following conditions
where the total amount of Disability Net Sum Covered payable shall be limited to an amount
not exceeding:
2.4.1 RM1,000,000 in aggregate under this Certificate and all individual and credit-related
certificates including endorsement and annexure, if any, (but excluding any group
certificates) issued by the Takaful Operator which provide for Total and Permanent
Disability Benefit on the same Person Covered, during the first year where the Total
and Permanent Disability claim is admitted by the Takaful Operator; and
2.4.2 RM2,000,000 in aggregate under this Certificate and all individual and credit-related
certificates including endorsement and annexure, if any, (but excluding any group
certificates) issued by the Takaful Operator which provide for the Total and
Permanent Disability Benefit on the same Person Covered after the Total and
Permanent Disability claim is admitted by the Takaful Operator.
2.5 Upon payment of each annual payment of the Disability Net Sum Covered as provided
under sub-clause 2.3 above, the Sum Covered will be reduced by the same amount of
benefit paid.
2.6 On the death of the Person Covered occurring before the final annual payments as
provided under sub-clause 2.3 above, the Takaful Operator will pay the balance of the
annual payments (if any) still remaining unpaid in one lump sum.
2.7 Prior to payment of benefit payable under Section 2, the amount of any indebtedness on
this Certificate as well as any withdrawal made from the date of disability shall first be
deducted from the benefits payable.
2.8 Any Tabarru’ and Service Charge that have been deducted after the Claim Event Date will
be apportioned to the Funds as specified by You in the proposal for coverage or any other
document prescribed and accepted by the Takaful Operator for contribution apportionment
or alteration of contribution apportionment. The number of Units to be allocated for the
accordance with the contribution allocation rate for Investment Top-ups as set out in Takaful
Schedule B of this Certificate.
3. EXCLUSIONS
The Takaful Operator will not be liable to pay any benefit under this Certificate if TPD of the
Person Covered:
3.1 has existed prior to or on the Effective Date or on the date of any reinstatement, whichever
is the later; or
3.2 is caused directly or indirectly by self-inflicted injuries, while sane or insane; or
3.3 is caused by bodily injury sustained as a result of parachuting or skydiving, or engaging in
aerial flights other than as a crew member or as a fare-paying passenger of a licensed
commercial operating on a regular scheduled route; or
3.4 is resulted from the Person Covered committing, attempting or provoking an assault or a
felony or from any violation of law by Person Covered; or
3.5 is resulted from war, whether declared or undeclared.
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4. CONDITIONS
In addition to the terms and conditions of this Certificate, the Takaful Operator will pay TPD
benefit as provided in Section 2 above only if all of the following conditions are met:
4.1 The due observance and fulfilment of the terms and conditions of this Certificate by the
Person Covered and You and in so far as they relate to anything to be done or complied
with by the Person Covered and You shall be conditions precedent to any liability of the
Takaful Operator.
4.2 You must notify the Takaful Operator in writing of any claim as soon as it is practicable. In
any case, You must produce satisfactory proof of TPD of the Person Covered on forms
furnished by the Takaful Operator within one-hundred eighty (180) days from the date of
commencement of TPD.
4.3 The TPD for which the claim is made must be diagnosed by a Medical Practitioner and
must be supported by clinical, radiological, histological and laboratory evidence acceptable
to the Takaful Operator; all such medical evidence must be furnished by the claimant at
own expense before each annual payment, and in such form that the Takaful Operator may
require.
4.4 If required by the Takaful Operator, the Person Covered must undergo medical
examination(s) by a Medical Practitioner appointed by the Takaful Operator in connection
with the TPD for which the claim is made.
4.5 At the time of each annual payment, You must submit this Certificate to the Takaful
Operator to have the payment endorsed.
4.6 No court action or other proceedings shall be brought by You or on Your behalf within
twelve (12) months from the date of commencement of the TPD.
4.7 Any valid claim under this Endorsement shall extinguish all other rights, options, values and
benefits under this Certificate including any benefits payable on survival of the Person
Covered.
4.8 This Certificate shall terminate as soon as the full Disability Net Sum Covered has been
advanced and all the annual payments have been made.
5. TERMINATION
This Endorsement shall be automatically terminated on the earliest of the following dates:
5.1 if a claim under Section 2 above is admitted
5.2 upon death of the Person Covered; or
5.3 on the Expiry Date; or
5.4 when the Takaful Operator receives Your request for termination in writing; or
5.5 when this Certificate is surrendered; or
5.6 when this Certificate lapse, becomes void or is terminated in any other manner.
**END OF PAGE**
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ENDORSEMENT
ENDORSEMENT NO. TE003 (IL CTPD)
1. DEFINITION
“Certificate” means the basic certificate on which this Endorsement is issued.

“TPD Endorsements” refers to a category of endorsements which pays benefits upon Total and
Permanent Disability, which are determined by the Takaful Operator at its sole and absolute
discretion.
2. DEFINITION OF TOTAL AND PERMANENT DISABILITY FOR PERSON COVERED BELOW

THE AGE OF EIGHTEEN (18) YEARS NEXT BIRTHDAY
For Person Covered below the age of eighteen (18) years next birthday, the following definition of
Total and Permanent Disability shall apply:-
“Total and Permanent Disability” is defined as a state of incapacity which:
(a) is total and permanent and requires the Person Covered, for the remainder of his natural
life, to be subjected to constant medical care and attention and to be confined to a home, a
hospital or a similar institution; or
(b) is deemed to be caused by any of the following:
(c) renders the Person Covered disabled to such an extent as to be totally and permanently
unable to perform at least three (3) of the listed Activities of Daily Living even with the use
of mechanical equipment, special devices or other aids and adaptations in use for disabled
persons.
The above definition of Total and Permanent Disability shall not apply to Person Covered who has
attained the age of eighteen (18) years next birthday. For Person Covered who has attained the
age of eighteen (18) years next birthday, the definition of Total and Permanent Disability as
specified in Section 1 of the relevant TPD Endorsements shall apply.
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3. REVISION OF THE TOTAL AND PERMANENT DISABILITY BENEFIT BELOW AGE FIVE (5)
YEARS NEXT BIRTHDAY
In the event the Person Covered suffers Total and Permanent Disability before the Certificate
Anniversary on which the Person Covered attains the age of five (5) years next birthday, the
amount of the Disability Net Sum Covered will be revised based on the table below:
Age Next Birthday of the Person Revised Amount of Disability Net Sum
Covered Occurrence of Total and Covered
Permanent Disability
1 20% of the Disability Net Sum Covered
Provided that the aggregate amount of the Disability Net Sum Covered and sum covered payable
by the Takaful Operator for Total and Permanent Disability benefit on any one person must not
exceed RM500,000 under the TPD Endorsements attached to this Certificate and all other
certificates by any name or description which provide for Total and Permanent Disability benefit
issued by the Takaful Operator on the same Person Covered.
In addition, if Total and Permanent Disability of the Person Covered occurs prior to the first
Certificate Anniversary, the age next birthday of the Person Covered on the Commencement Date
shall be used to determine the Revised Amount of the Disability Net Sum Covered payable by the
Takaful Operator.
**END OF PAGE**
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ENDORSEMENT
ENDORSEMENT NO. TE008 (SAssist)
1. DEFINITIONS
“Annexure” as referred to in this Endorsement means Annexure AHSM or AHMX (if any) which
is attached to this Certificate.
“Certificate” means the basic Certificate to which this Endorsement is attached.
“Pre-existing Illness” means disabilities in which the Person Covered has reasonable
knowledge of, prior to Rider Effective Date. A Person Covered may be considered to have
reasonable knowledge of a Pre-existing Illness where the condition is one for which:
(a) the Person Covered had received or is receiving treatment; or
“Commencement Date” refers to the Commencement Date shown in Takaful Schedule or
Takaful Schedule A, as the case may be.
“Rider Effective Date” refers to the Effective Date or date of inclusion of the Annexure if it has
been subsequently included in this Certificate or date of any reinstatement, whichever is the later.
“Serious Medical Condition” means a condition which in the opinion of Supreme Assist
constitutes a serious medical emergency requiring urgent remedial treatment to avoid death or
serious impairment to the Person Covered’s immediate or long term health prospects. The
seriousness of the medical condition will be judged within the context of the Person Covered’s
geographical location, the nature of the medical emergency and the local availability of
appropriate medical care or facility.
“Supreme Assist” under this Endorsement means the service provider(s) appointed by the
Takaful Operator to provide the Overseas and Domestic Emergency Medical Assistance Services
as described under Section 2 below.
2. DESCRIPTION OF BENEFITS
The Takaful Operator has entered into an arrangement with Supreme Assist who upon request by
You and/or Person Covered will provide the following Overseas and Domestic Emergency
Medical Assistance Services to the Person Covered, subject to the terms and conditions of this
Certificate, including this Endorsement.
For the purpose of verification of eligibility for the following Overseas and Domestic Emergency
Medical Assistance Services, the Takaful Operator will issue a membership card to the Person
Covered. The Person Covered must always identify himself by stating his full name, Certificate
number and expiry date of the membership card.
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2.1 Overseas Emergency Medical Assistance
The following services are applicable to the Person Covered who is travelling outside
Malaysia for a period not exceeding one hundred and twenty (120) consecutive days on any
one trip.
The Person Covered may call Supreme Assist from anywhere in the world to obtain the
assistance/services described below:
2.1.1 Travel Assistance
2.1.1.1 Visa Information Services

To provide information concerning visa requirements for foreign countries
worldwide.
2.1.1.2 Inoculation Information Services

To provide information concerning inoculation requirements for foreign
countries worldwide.
2.1.1.3 Weather Information Services

To provide information concerning weather forecasts and temperatures of
foreign countries worldwide.
2.1.1.4 Foreign Exchange Information Services

To provide information concerning exchange rate of major foreign currencies
against the Malaysian Ringgit.
2.1.1.5 Interpreter Assistance

To assist the Person Covered by providing interpreting service over the
telephone by Supreme Assist Alarm Centre.
2.1.1.6 Legal Referral

To provide the name, address and telephone number and, if available and if
requested, hours of opening of lawyers and legal practitioners worldwide.
2.1.1.7 Embassy Referral

To provide the names, telephone numbers and, if possible and requested,
hours of opening of nearest appropriate consulates and embassies
worldwide.
2.1.1.8 Lost Luggage Assistance

To assist the Person Covered who has lost luggage while travelling outside
Malaysia by referring the Person Covered to the appropriate authorities
involved.
2.1.1.9 Lost Passport Assistance

To assist the Person Covered who has lost passport while travelling outside
Malaysia by referring the Person Covered to the appropriate authorities
involved.
2.1.2 International Medical Assistance
2.1.2.1 Emergency Message Transmission

In the event of an emergency or a hospital confinement, Supreme Assist will
undertake to keep the Person Covered’s immediate family informed.
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2.1.2.2 Telephone Medical Advice

Supreme Assist will arrange the provision of medical advice to the Person
Covered over the telephone.
2.1.2.3 Medical Service Provider Referral

Supreme Assist will provide the Person Covered with information about
physicians, hospitals, clinics, dentists and dental clinics worldwide.
2.1.2.4 Arrangement of Appointments with Doctors

Supreme Assist will assist the Person Covered in arranging for appointments
with general practitioners or specialist doctors, if medically necessary.
2.1.2.5 Arrangement for Hospital Admission

If the medical condition of the Person Covered requires hospitalisation,
Supreme Assist will assist the Person Covered by arranging for hospital
admission.
2.1.2.6 Arrangement of Hotel Accommodation

Supreme Assist will arrange for hotel accommodation for a relative or friend
of the Person Covered to visit the Person Covered who has been
hospitalised outside Malaysia.
2.1.2.7 Arrangement and Payment of Emergency Medical Evacuation

Supreme Assist will arrange and pay medically necessary expense of air
and/or surface transportation, medical care during transportation,
communications and all usual ancillary charges incurred in moving the
Person Covered when in a Serious Medical Condition as defined in Section 1
above to the nearest hospital where appropriate medical care is available and
not necessarily to Malaysia.
Supreme Assist may decide whether the Person Covered’s medical condition
is sufficiently serious to warrant emergency medical evacuation. Supreme
Assist may also decide the place to which such evacuation will be carried out
with all assessed facts and circumstances of which Supreme Assist is aware
at the relevant time.
2.1.2.8 Arrangement and Payment of Emergency Medical Repatriation

Supreme Assist will arrange and pay for the expenses necessarily and
unavoidably incurred in returning the Person Covered to Malaysia following
an emergency medical evacuation for subsequent inpatient treatment in a
place outside Malaysia.
Supreme Assist may decide the means or methods by which such
repatriation will be carried out with all assessed facts and circumstances of
which Supreme Assist is aware at the relevant time.
2.1.2.9 Arrangement and Payment of Repatriation of Mortal Remains

Supreme Assist will arrange and pay for all expenses reasonably and
unavoidably incurred for transporting the Person Covered’s mortal remains
from the place of death only to Malaysia or the cost of local burial at the place
of death as approved by Supreme Assist.
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2.1.2.10 Arrangement and Payment of Compassionate Visit

Supreme Assist will arrange and pay for one economy class return airfare
for a relative or friend of the Person Covered to visit the Person Covered
who, when travelling alone, has been hospitalised outside Malaysia for a
period in excess of seven (7) days and subject to Supreme Assist’s prior
approval and only when this is judged necessary by Supreme Assist on
medical and compassionate grounds.
2.1.2.11 Arrangement and Payment of Return of Minor Child

Supreme Assist will arrange and pay for one-way economy class airfare for
the return of up to three (3) minor children (below age of 18 years next
birthday) to Malaysia if they are left unattended as a result of the Person
Covered’s accident, illness or emergency medical evacuation.
2.2 Domestic Emergency Medical Assistance
2.2.1 The following services are applicable to the Person Covered within Malaysia but
outside his state of residence in Malaysia:
2.2.1.1 Emergency Message Transmission

In the event of an emergency or a hospital confinement, Supreme Assist will
undertake to keep the Person Covered’s immediate family informed.
2.2.1.2 Medical Service Provider Referral

Supreme Assist will provide the Person Covered with information about
physicians, hospitals, clinics, dentists and dental clinics nationwide.
2.2.2 The following services are applicable to the Person Covered travelling outside his
state of residence in Malaysia for a period not exceeding one hundred and twenty
(120) consecutive days for any one trip.
2.2.2.1 Arrangement and Payment of Emergency Medical Evacuation

Supreme Assist will arrange and pay medically necessary expense of air
and/or surface transportation, medical care during transportation,
communications and all usual ancillary charges incurred in moving the
Person Covered when in a Serious Medical Condition as defined in Section 1
above to the nearest hospital in Malaysia where appropriate medical care is
available and not necessarily to the Person Covered’s state of residence in
Malaysia.
Supreme Assist may decide whether the Person Covered’s medical condition
is sufficiently serious to warrant emergency medical evacuation. Supreme
Assist may also decide the place to which such evacuation will be carried out
with all assessed facts and circumstances of which Supreme Assist is aware
at the relevant time.
2.2.2.2 Arrangement and Payment of Emergency Medical Repatriation

Supreme Assist will arrange and pay for the expenses necessarily and
unavoidably incurred in returning the Person Covered to his state of
residence in Malaysia following an emergency medical evacuation for
subsequent inpatient treatment in place outside the Person Covered’s state
of residence in Malaysia.
Supreme Assist may decide the means or methods by which such
repatriation will be carried out with all assessed facts and circumstances of
which Supreme Assist is aware at the relevant time.
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2.2.2.3 Arrangement for Hospital Admission

If the medical condition of the Person Covered requires hospitalisation,
Supreme Assist will assist the Person Covered by arranging for hospital
admission.
3. CONDITIONS
In addition to other provisions of this Endorsement, the Takaful Operator will provide benefits as
stated in Section 2 subject also to the following conditions:
3.1 The services to be rendered by Supreme Assist to the Person Covered are purely on
arrangement basis, with the exception of services described in Sections 2.1.2.7, 2.1.2.8,
2.1.2.9, 2.1.2.10, 2.1.2.11, 2.2.2.1 and 2.2.2.2 above which are subject to the exclusions
stated in Section 4 below.
3.2 The Takaful Operator and Supreme Assist will not be responsible for any third party
expenses which will be Your responsibility and/or the responsibility of the Person Covered.
3.3 Supreme Assist will use its best effort to provide the Overseas and Domestic Emergency
Medical Assistance Services to the Person Covered in a timely and accurate manner and
will exercise care and diligence in providing the services. However, Supreme Assist does
not guarantee the quality of the services rendered and the final decision on use of such
services will be Your responsibility and/or the responsibility of the Person Covered. Supreme
Assist will not be responsible for any consequential loss to You and/or the Person Covered
resulting from the use of such services by the Person Covered or delay in communicating or
providing such services.
3.4 The total amount of costs and/or expenses incurred which are to be borne by Supreme
Assist in providing the services described in Sections 2.1.2.7, 2.1.2.8, 2.1.2.9, 2.1.2.10,
2.1.2.11, 2.2.2.1 and 2.2.2.2 above under this Certificate and all certificates (including
endorsements and annexures, if any) on the same Person Covered shall be limited to
RM500,000.
Under all circumstances, the Takaful Operator and Supreme Assist will not be responsible for any
damage, loss or injury to You and/or the Person Covered resulting from the usage of the
Overseas and Domestic Emergency Medical Assistance Services as decided by the Person
Covered.
4. EXCLUSIONS
The following treatments, events or conditions are specifically excluded under this Endorsement:
4.1 Pre-existing Illness as defined in Section 1 above, unless such Pre-Existing Illness had been
declared and stated in the Proposal Form and specifically accepted by the Takaful Operator
and duly endorsed;
4.2 Emergency Medical Evacuation or Repatriation or costs not approved in advance and in
writing by Supreme Assist and/or not arranged by Supreme Assist. This exclusion will not
apply to emergency medical evacuation from remote or primitive areas which Supreme
Assist cannot be contacted in advance and delay might reasonably be expected to result in
loss of life or extreme prejudice to the Person Covered’s prospects;
4.3 Any event occurring when the Person Covered is within the territory of Malaysia, his usual
country of residence or home country (for Overseas Emergency Medical Assistance
Services) or within his state of residence in Malaysia (for Domestic Emergency Medical
Assistance Services);
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4.4 Any expense if the Person Covered is travelling outside Malaysia or his usual country of
residence (for Overseas Emergency Medical Assistance Services) or outside his state of
residence in Malaysia (for Domestic Emergency Medical Assistance Services), which differs
from the advice of a medical practitioner or for the purpose of obtaining medical treatment or
for rest and recuperation following any prior accident or illness;
4.5 Any expense if the Person Covered is not suffering from a Serious Medical Condition or if
the treatment can be reasonably delayed until the Person Covered returns to Malaysia or his
usual country of residence (for Overseas Emergency Medical Assistance Services) or his
state of residence in Malaysia (for Domestic Emergency Medical Assistance Services);
4.6 Any treatment or expense related to childbirth, pregnancy (except abnormal pregnancy or
vital complication of pregnancy which endangers the life of the mother and/or unborn
children) and in any event childbirth, miscarriage (spontaneous abortion) or pregnancy after
the sixth (6th) month;
4.7 Any expense related to sickness or injury arising from racing of any kind (except foot racing);
4.8 Any expense incurred for emotional, mental illness and psychiatric disorder as opposed to
physical and strictly medical reason;
4.9 Self-inflicted injury, suicide, drug addiction or abuse, alcohol abuse, sexually transmitted
diseases, acquired immune deficiency syndrome (AIDS) or any AIDS related conditions or
diseases;
4.10 Any treatment performed or ordered by a non-registered practitioner not in accordance with
the standard medical practice as defined in the country of treatment;
4.11 The cost of burial in the Person Covered’s home country;
4.12 Any expense resulting from participation in war, riot or civil commotion or any illegal act
resulting in imprisonment or while serving in a police or military unit;
4.13 Overseas and Domestic Emergency Medical Assistance Services or cost incurred on a
Person Covered who is more than sixty-five (65) years next birthday;
4.14 The cost of transporting the Person Covered by means of the Person Covered’s owned or
leased watercraft unless agreed in writing by Supreme Assist prior to the Rider Effective
Date.
5. ALTERATIONS
The Takaful Operator may amend the terms and conditions of this Endorsement by giving thirty
(30) days advance notice in writing by ordinary post to You at Your last known address in the
Takaful Operator’s records, and such amendment will be applicable from the next renewal of this
Certificate. No alteration to this Endorsement will be valid unless authorized by the Takaful
Operator and such approval is endorsed thereon.
6. CANCELLATION
This Endorsement is automatically cancelled on the date of termination of this Certificate or the
Annexure, whichever is earlier.
**END OF PAGE**
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ENDORSEMENT
ENDORSEMENT NO. TE009 (CAP)
1. DEFINITIONS
“Accident” means any sudden, unexpected and unintentional violent event that may cause
damages to the Named Vehicle.
“Annexure” as referred to in this Endorsement means Annexure AHSM or AHMX (if any) which
is attached to this Certificate.
“Car Assist” means the service provider(s) appointed by the Takaful Operator to provide the Car
Assistance Programme as described in Section 2 below.
“Certificate” means the basic Certificate to which this Endorsement is attached.
“Driver” means a person who is driving the Named Vehicle.
“Minor Roadside Repair” refers to minor repairs that is deemed possible to be repaired on the
spot such as change of tyres, minor wiring work, change of battery or any other repairs possible
during the breakdown. Services are also subject to the availability of parts and components at the
time of the breakdown.
“Named Vehicle” means a private Malaysian registered passenger car as specified in the
Schedule of Benefits or other document for alteration of vehicle registered under Car Assistance
Programme accepted by the Takaful Operator.
“Passenger” means a person who is traveling in the Named Vehicle.
2. SCOPE OF SERVICES
The Car Assistance Programme (“the Programme”) is separate from and independent of the
scope of cover as provided under this Certificate and/or the Annexure (if applicable) and is
subject to the terms and conditions of this Endorsement. The Takaful Operator may revise,
change and/or cancel any of the provisions of the Programme at any time without prior notice to
You.
The services under the Programme are provided in accordance with and subject to the agreement
signed between Car Assist and the Takaful Operator. Only Named Vehicle is entitled to the
services provided. The Programme provides the Named Vehicle the following services 24 hours a
day throughout the year subject to the conditions precedent that this Certificate and/or the
Annexure (if applicable) is inforce and the agreement for the Programme is still valid and inforce.
TE009/V04/02-2015 Page 1 of 3 0510/022618/ 82

2.1 Road Assistance Services
2.1.1 24 hours Emergency Towing and Minor Roadside Repair

If the Named Vehicle is immobilised due to Accident or breakdown, the Driver
and/or Passenger may contact Car Assist’s 24 hours Alarm Centre for immediate
assistance. If it is possible to repair the Named Vehicle on the spot, a mechanic will
be dispatched for such roadside repair services. If it is not possible to repair the car
on site, the Named Vehicle will be towed to a workshop for repair.
2.1.2 Car Replacement Assistance

If the Driver and/or Passenger of the Named Vehicle require a car replacement in
the event of a breakdown or Accident involving the Named Vehicle, Car Assist will
refer and assist the Driver and/or Passenger to arrange for car rental. Cost of car
rental will be borne by the Driver and/or Passenger.
2.1.3 Arrangement for Hotel Accommodation

In the event of a breakdown or Accident involving the Named Vehicle and the
Driver and/or Passenger need hotel accommodation, Car Assist will assist the Driver
and/or Passenger to organise for hotel reservation. Cost incurred for such hotel
accommodation will be borne by the Driver and/or Passenger.
2.1.4 Referral to Service Centre

The Driver of the Named Vehicle may contact Car Assist to arrange for referral to
the nearest repair and service centre for car servicing or repair. Car Assist will also
arrange for prior appointment for the Driver. All costs incurred will be borne by the
Driver.
2.2 Maximum Repair / Towing Limit
Car Assist will organise and pay for the towing and/or labour cost for roadside repair up to
maximum of RM300.00 per event. Car Assist will not be responsible for any cost incurred
for any spare parts required during Minor Roadside Repair.
2.3 Territorial Limits
Services will be available within Peninsular Malaysia excluding all islands except for
Penang, Langkawi and Labuan. Whilst in East Malaysia, services will be available in Kota
Kinabalu, Sandakan, Tawau, Sibu, Bintulu, Miri and Kuching.
3. EXCLUSIONS
The following conditions are excluded under the Programme:

3.1 Vehicle not prior registered under the Programme;
3.2 Vehicle used for commercial reasons including trucks, taxis, buses and vehicles registered
under Hire and Drive;
3.3 Any person who drives the Named Vehicle without a valid driving license or not authorised
to drive or disqualified by law from driving;
TE009/V04/02-2015 Page 2 of 3 0510/022618/ 83

3.4 Services not organised directly by Car Assist;

3.5 Any expenses incurred without prior approval and written authorisation by Car Assist;
3.6 Any cost of service covered under the Named Vehicle’s insurance plan or takaful certificate;
3.7 Any cost of repair or replacement of parts and components in the workshop or service
centre;
3.8 Named Vehicle has been modified for participation in rally and racing, or if the Named
Vehicle has been modified against government regulations;
3.9 Services outside the Territorial Limits as stated in Section 2.3 above;
3.10 Named Vehicle is carrying more than the permitted number of passengers or weight as
permitted in the manufacturer’s specification of the vehicle;
3.11 Loss or damage in consequences of declared or undeclared war, invasion, act of foreign
enemy, hostilities or war-like operations, civil war, rebellion, revolution, insurrection or
military usurped power, nuclear weapons material, ionising radiation or contaminated by
radioactivity from any nuclear fuel or nuclear waste and natural disaster;
3.12 Failure of the Driver and/or Passenger of the Named Vehicle to take reasonable
precautions or to follow warnings of any intended strike, riot or civil commotion via the mass
media;
3.13 Any illegal or unlawful act by the Driver and/or Passenger or the use of the Named Vehicle
for any unlawful or illegal purposes.
4. CANCELLATION
This Endorsement is automatically cancelled on the date of termination of this Certificate or the
Annexure, whichever is the earlier.
**END OF PAGE**
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ENDORSEMENT
ENDORSEMENT NO. TE017 (CIDEFN)
1. DEFINITIONS

(a) Transfer
(b) Mobility
(c) Continence
hygiene.
(d) Dressing
another person.
(e) Bathing/Washing
(f) Eating
“Category I Covered Events” means the events named as Heart Attack, Coronary Artery
By-Pass Surgery, Cancer, Angioplasty And Other Invasive Treatments For Major Coronary Artery
Disease, Other Serious Coronary Artery Disease specified in Section 2 below of this
Endorsement.
“Category II Covered Events” means the events specified and defined in Section 2 below other
than those events classified under Category I Covered Events.
“Certificate” means the basic certificate to which this Endorsement is attached.
“Covered Event” means any of the events specified and defined in Section 2 below.
Neurologist, based upon such specific evidence, referred to below in the definition of the particular
may base his/her opinion on the medical evidence submitted by the claimant and/or any additional
evidence he/she may require.
“Irreversible” means cannot be reasonably improved upon by medical treatment and/or surgical
procedures consistent with the current standard of the medical services available in Malaysia.
“Permanent” means expected to last throughout the lifetime of the Participant/Person Covered.
“Permanent neurological deficit with persisting clinical symptoms” means symptoms of
dysfunction in the nervous system that are present on clinical examination and expected to last
throughout the lifetime of the Participant/Person Covered. Symptoms that are covered include
numbness, paralysis, localised weakness, dysarthria (difficulty with speech), aphasia (inability to
speak), dysphagia difficulty swallowing), visual impairment, difficulty in walking, lack of
coordination, tremor, seizures, dementia, delirium and coma.
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2. DEFINITIONS OF COVERED EVENTS
(1) “Alzheimer’s : Deterioration or loss of intellectual capacity confirmed by clinical

Disease / Severe evaluation and imaging tests arising from Alzheimer's Disease or
Dementia” Severe Dementia as a result of irreversible organic brain
disorders. The Covered Event must result in significant reduction
in mental and social functioning requiring continuous supervision
of the Participant/Person Covered. The diagnosis must be
clinically confirmed by a neurologist.
From the above definition, the following are not covered:

(i) non organic brain disorders such as neurosis;
(ii) psychiatric illnesses; and
(iii) drug or alcohol related brain damage.
(2) “Angioplasty and : The actual undergoing for the first time of Coronary Artery
Other Invasive Balloon Angioplasty, artherectomy, laser treatment or the
Treatments for insertion of a stent to correct a narrowing or blockage of one or
Coronary Artery more coronary arteries as shown by angiographic evidence.
Disease”
Intra-arterial investigative procedures are not covered. Payment
under this clause is limited to ten percent (10%) of the Critical
Illness coverage under this Certificate subject to a maximum of
RM25,000. This Covered Event is payable once only and shall
be deducted from the amount of this Certificate, thereby reducing
the amount of the Amount of Benefit which may be payable.
(3) “Bacterial : Bacterial meningitis causing inflammation of the membranes of

Meningitis – the brain or spinal cord resulting in permanent functional
resulting in impairment. The permanent functional impairment must result in
permanent inability an inability to perform at least three (3) of the Activities of Daily
to perform Activities Living. A minimum Assessment Period of thirty (30) days applies.
of Daily Living”
The diagnosis must be confirmed by:
(i) an appropriate specialist; and
(ii) the presence of bacterial infection in the cerebrospinal fluid
by lumbar puncture.
For the above definition, other forms of meningitis, including viral

meningitis are not covered.
(4) “Benign Brain : A benign tumour in the brain or meninges within the skull, where
Tumour – of all of the following conditions are met:
specified severity” (i) it is life threatening;
(ii) it has caused damage to the brain;
(iii) it has undergone surgical removal or has caused permanent
neurological deficit with persisting clinical symptoms; and
(iv) its presence must be confirmed by a neurologist or
neurosurgeon and supported by findings on MRI, CT or
other reliable imaging techniques
The following are not covered:

(i) cysts;
(ii) granulomas;
(iii) malformations in or of the arteries or veins of the brain;
(iv) hematomas;
(v) tumours in the pituitary gland;
(vi) tumours in the spine; and
(vii) tumours of the acoustic nerve.
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(5) “Blindness – : Permanent and irreversible loss of sight as a result of accident or

Permanent and illness to the extent that even when tested with the use of visual
Irreversible” aids, vision is measured at 3/60 or worse in both eyes using a
Snellen eye chart or equivalent test and the result must be
certified by an ophthalmologist.
(6) “Brain Surgery” : The actual undergoing of surgery to the brain under general
anesthesia during which a craniotomy is performed.

(i) burr hole procedures;
(ii) transphenoidal procedures;
(iii) endoscopic assisted procedures or any other minimally
invasive procedures; and
(iv) brain surgery as a result of an accident.
(7) “Cancer – of : Any malignant tumour positively diagnosed with histological

specified severity confirmation and characterized by the uncontrolled growth of
and does not cover malignant cells and invasion of tissue. The term malignant
very early cancers” tumour includes leukaemia, lymphoma and sarcoma.

(i) all cancers which are histological classified as any of the
following:
(a) pre-malignant;
(b) non-invasive;
(c) carcinoma in situ;
(d) having borderline malignancy;
(e) having malignant potential;
(ii) all tumours of the prostate histologically classified as
T1N0M0 (TNM classification);
(iii) all tumours of the thyroid histologically classified as
(iv) all tumours of the urinary bladder histologically classified as
(v) chronic Lymphocytic Leukemia less than RAI Stage 3;
(vi) all cancers in the presence of HIV; and
(vii) any skin cancer other than malignant melanoma;
(8) “Cardiomyopathy – : A definite diagnosis of cardiomyopathy by a cardiologist which

of specified results in permanently impaired ventricular function and resulting
severity” in permanent physical impairment of at least Class III of the New
York Heart Association (NYHA) classification of cardiac
impairment. The diagnosis has to be supported by
echocardiographic findings of compromised ventricular
performance.
Cardiomyopathy directly related to alcohol or drug abuse is not

covered.
The NYHA Classification of Cardiac Impairment for Class III and

Class IV means the following:
Class III: Marked limitation of physical activity. Comfortable at
rest butless than ordinary activity causes symptoms.
ClassIV: Unable to engage in any physical activity without
discomfort.Symptoms may be present even at rest.
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(9) “Chronic Aplastic : Irreversible permanent bone marrow failure which results in
Anemia – resulting anaemia, neutropenia and thrombocytopenia requiring at least
in permanent Bone two (2) of the following treatments:
Marrow Failure” (i) regular blood product transfusion;
(ii) marrow stimulating agents;
(iii) immunosuppressive agents; or
(iv) bone marrow transplantation.
The diagnosis must be confirmed by a bone marrow biopsy.
(10) “Coma – resulting : A state of unconsciousness with no reaction to external stimuli or

in permanent internal needs, persisting continuously for at least ninety six (96)
neurological deficit hours, requiring the use of life support systems and resulting in a
with persisting permanent neurological deficit with persisting clinical symptoms.
clinical symptoms” A minimum Assessment Period of thirty (30) days applies.
Confirmation by a neurologist must be present.
The following is not covered:

Coma resulting directly from alcohol or drug abuse.
(11) “Coronary Artery : Refers to the actual undergoing of open-chest surgery to correct
By-Pass Surgery” or treat Coronary Artery Disease (CAD) by way of coronary artery
by-pass grafting.

(i) angioplasty;
(ii) other intra-arterial or catheter based techniques;
(iii) keyhole procedures; and
(iv) laser procedures.
(12) “Deafness – : Permanent and irreversible loss of hearing as a result of accident

Permanent and or illness to the extent that the loss is greater than 80 decibels
Irreversible” across all frequencies of hearing in both ears. Medical evidence
in the form of an audiometry and sound-threshold tests result
must be provided and certified by an Ear, Nose, and Throat
(ENT) specialist.
(13) “Encephalitis – : Severe inflammation of brain substance, resulting in permanent

resulting in functional impairment. The permanent functional impairment must
permanent inability result in an inability to perform at least three (3) of the Activities of
to perform Activities Daily Living. A minimum Assessment Period of thirty (30) days
of Daily Living” applies. The Covered Event must be certified by a neurologist.
Encephalitis in the presence of HIV infection is not covered.
(14) “End-Stage Liver : End-stage liver failure as evidenced by all of the following:
Failure” (i) permanent jaundice;
(ii) ascites (excessive fluid in peritoneal cavity); and
(iii) hepatic encephalopathy.
Liver failure secondary to alcohol or drug abuse is not covered.
(15) “End-Stage Lung : End-stage lung disease causing chronic respiratory failure. All of
Disease” the following criteria must be met:
(i) the need for regular oxygen treatment on a permanent
basis;
(ii) permanent impairment of lung function with a consistent
Forced Expiratory Volume (FEV) of less than 1 liter during
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the first second;

(iii) shortness of breath at rest; and
(iv) Baseline Arterial Blood Gas analysis with partial oxygen
pressures of 55mmHg or less.
(16) “Full-Blown AIDS” : The clinical manifestation of AIDS (Acquired Immuno-deficiency

Syndrome) must be supported by the results of a positive HIV
(Human Immuno-deficiency Virus) antibody test and a
confirmatory test. In addition, the Participant/Person Covered
must have a CD4 cell count of less than two hundred (200)/ìL
and one or more of the following criteria are met:
(i) weight loss of more than 10% of body weight over a period
of six (6) months or less (wasting syndrome);
(ii) Kaposi Sarcoma;
(iii) Pneumocystis Carinii Pneumonia;
(iv) progressive multifocal leukoencephalopathy;
(v) active Tuberculosis;
(vi) less than one-thousand (1000) Lymphocytes/ìL; or
(vii) Malignant Lymphoma.
(17) “Fulminant Viral : A sub-massive to massive necrosis (death of liver tissue) caused
Hepatitis” by any virus as evidenced by all of the following diagnostic
criteria:
(i) a rapidly decreasing liver size as confirmed by abdominal
ultrasound;
(ii) necrosis involving entire lobules, leaving only a collapsed
reticular framework;
(iii) rapidly deteriorating liver functions tests; and
(iv) deepening jaundice.
Viral hepatitis infection or carrier status alone (inclusive but not

limited to Hepatitis B and Hepatitis C) without the above
diagnostic criteria is not covered.
(18) “Heart Attack – of : Death of heart muscle, due to inadequate blood supply, that has
specified severity” resulted in all of the following evidence of acute myocardial
infarction:
(i) a history of typical chest pain;

(ii) new characteristic electrocardiographic changes; with the
development of any of the following: ST elevation or
depression, T wave inversion, pathological Q waves or left
bundle branch block; and
(iii) elevation of the cardiac biomarkers, inclusive of CPK-MB
above the generally accepted normal laboratory levels or
Troponins recorded at the following levels or higher:
a) Cardiac Troponin T or Cardiac Troponin I > / = 0.5
ng/ml
The evidence must show the occurrence of a definite acute

myocardial infarction which should be confirmed by a cardiologist
or physician.

· occurrence of an acute coronary syndrome including but not
limited to unstable angina; and
· a rise in cardiac biomarkers resulting from a percutaneous
procedure for coronary artery disease.
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(19) “Heart Valve : The actual undergoing of open-heart surgery to replace or repair
Surgery” cardiac valves as a consequence of heart valve defects or
abnormalities.

(i) repair via intra-arterial procedure; and
(ii) repair via key-hole surgery or any other similar techniques.
(20) “HIV Infection Due : Infection with the Human Immunodeficiency Virus (HIV) through
To Blood a blood transfusion, provided that all of the following conditions
Transfusion” are met:
(i) the blood transfusion was medically necessary or given as

part of a medical treatment;
(ii) the blood transfusion was received in Malaysia or
Singapore after the commencement of the Certificate;
(iii) the source of the infection is established to be from the
institution that provided the blood transfusion and the
institution is able to trace the origin of the HIV tainted blood;
(iv) the Participant/Person Covered does not suffer from
haemophilia; and
(v) the Participant/Person Covered is not a member of any high
risk groups including but not limited to intravenous drug
users.
(21) “Kidney Failure – : End-stage kidney failure presenting as chronic irreversible failure
requiring dialysis or of both kidneys to function, as a result of which regular dialysis is
kidney transplant” initiated or kidney transplantation is carried out.
(22) “Loss of : Confirmation by an appropriate specialist of the loss of

Independent independent existence and resulting in a permanent inability to
Existence” perform at least three (3) of the Activities of Daily Living. A
minimum Assessment Period of six (6) months applies.
(23) “Loss of Speech” : Total, permanent and irreversible loss of the ability to speak as a
result of injury or illness. A minimum Assessment Period of six
(6) months applies. Medical evidence to confirm injury or illness
to the vocal cords to support this disability must be supplied by
an Ear, Nose, and Throat specialist.
All psychiatric related causes are not covered.
(24) “Major Head : Physical head injury resulting in permanent functional impairment
Trauma – resulting verified by a neurologist. The permanent functional impairment
in permanent must result in an inability to perform at least three (3) of the
inability to perform Activities of Daily Living. A minimum Assessment Period of three
Activities of Daily (3) months applies.
Living”
(25) “Major Organ / : The receipt of a transplant of:

Bone Marrow · human bone marrow using hematopoietic stem cells
Transplant” preceded by total bone marrow ablation; or
· one of the following human organs: heart, lung, liver, kidney,
pancreas that resulted from irreversible end-stage failure of
the relevant organ.
Other stem cell transplants are not covered.
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(26) “Motor Neurone : A definite diagnosis of motor neuron disease by a neurologist

Disease – with reference to either spinal muscular atrophy, progressive
permanent bulbar palsy, amyotrophic lateral sclerosis or primary lateral
neurological deficit sclerosis. There must be permanent neurological deficit with
with persisting persisting clinical symptoms.
clinical symptoms”
(27) “Multiple Sclerosis” : A definite diagnosis of multiple sclerosis by a neurologist. The
diagnosis must be supported by all of the following:
(i) investigations which confirm the diagnosis to be Multiple
Sclerosis;
(ii) multiple neurological deficits resulting in impairment of
motor and sensory functions occurring over a continuous
period of at least six (6) months; and
(iii) well documented history of exacerbations and remissions of
said symptoms or neurological deficits.
(28) “Muscular : The definite diagnosis of a Muscular Dystrophy by a neurologist

Dystrophy” which must be supported by all of the following:
(i) clinical presentation of progressive muscle weakness;
(ii) no central/ peripheral nerve involvement as evidenced by
absence of sensory disturbance; and
(iii) characteristic electromyogram and muscle biopsy findings.
No benefit will be payable under this Covered Event before the

Person Covered has reached the age of twelve (12) years next
birthday.
(29) “Paralysis of Limbs” : Total, permanent and irreversible loss of use of both arms or both
legs, or of one arm and one leg, through paralysis caused by
illness or injury. A minimum Assessment Period of six (6) months
applies.
(30) “Parkinson’s : A definite diagnosis of Parkinson's Disease by a neurologist

Disease – resulting where all the following conditions are met:
in permanent (i) Cannot be controlled with medication;
inability to perform (ii) Shows signs of progressive impairment; and
Activities of Daily (iii) Confirmation of the permanent inability of the
Living” Participant/Person Covered to perform without assistance
three (3) or more of the Activities of Daily Living.
Only idiopathic Parkinson’s Disease is covered. Drug-induced or

toxic causes of Parkinsonism are not covered.
(31) “Primary Pulmonary : A definite diagnosis of primary pulmonary arterial hypertension

Arterial with substantial right ventricular enlargement established by
Hypertension – of investigations including cardiac catheterization, resulting in
specified severity” permanent physical impairment to the degree of at least Class III
of the NYHA classification of cardiac impairment.
Pulmonary arterial hypertension resulting from other causes shall

be excluded from this benefit.
The NYHA Classification of Cardiac Impairment for Class III and

Class IV means the following:
Class III: Marked limitation of physical activity. Comfortable at
rest but less than ordinary activity causes symptoms.
Class IV: Unable to engage in any physical activity without
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discomfort. Symptoms may be present even at rest.
(32) “Serious Coronary : The narrowing of the lumen of Right Coronary Artery (RCA), Left
Artery Disease” Anterior Descending Artery (LAD) and Circumflex Artery (not
inclusive of their branches) occurring at the same time by a
minimum of sixty percent (60%) in each artery as proven by
coronary arteriography (non- invasive diagnostic procedures are
not covered). A narrowing of sixty percent (60%) or more of the
Left Main Stem will be considered as a narrowing of the Left
Anterior Descending Artery (LAD) and Circumflex Artery. This
Covered Event is payable regardless of whether or not any form
of coronary artery surgery has been performed.
(33) “Stroke – resulting : Death of brain tissue due to inadequate blood supply, bleeding
in permanent within the skull or embolization from an extra cranial source
neurological deficit resulting in permanent neurological deficit with persisting clinical
with persisting symptoms. The diagnosis must be based on changes seen in a
clinical symptoms” CT scan or MRI and certified by a neurologist. A minimum
Assessment Period of three (3) months applies.
(i) transient ischemic attacks;
(ii) cerebral symptoms due to migraine;
(iii) traumatic injury to brain tissue or blood vessels; and
(iv) vascular disease affecting the eye or optic nerve or
vestibular functions.
(34) “Surgery to Aorta” : The actual undergoing of surgery via a thoracotomy or

laparotomy (surgical opening of thorax or abdomen) to repair or
correct an aortic aneurysm, an obstruction of the aorta or a
dissection of the aorta. For this definition, aorta shall mean the
thoracic and abdominal aorta but not its branches.

(i) angioplasty;
(ii) other intra-arterial or catheter based techniques;
(iii) other keyhole procedures; and
(iv) laser procedures.
(35) “Systemic Lupus : A definite diagnosis of Systemic Lupus Erythematosus confirmed

Erythematosus with by a rheumatologist.
Severe Kidney
Complications” For this definition, the Covered Event is payable only if it has
resulted in Type III to Type V Lupus Nephritis as established by
renal biopsy. Other forms such as discoid lupus or those forms
with only haematological or joint involvement are not covered.
WHO Lupus Classification:

Type III: Focal Segmental glomerulonephritis
Type IV: Diffuse glomerulonephritis
Type V: Membranous glomerulonephritis
(36) “Third Degree : Third degree (i.e. full thickness) skin burns covering at least
Burns – of specified twenty percent (20%) of the total body surface area.
severity”
(37) “Occupationally : Infection with the Human Immunodeficiency Virus (only if the
Acquired Human Participant/Person Covered is a Medical Staff as defined below),
Immunodeficiency where it was acquired as a result of an accident occurring during
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Virus (HIV) seroconversion to HIV infection occurring within six (6) months of
Infection” the accident. Any accident giving rise to a potential claim must be
reported to the Takaful Operator within thirty (30) days of the
accident taking place supported by a negative HIV test taken
within seven (7) days of the accident.
“Medical Staff” is defined as doctors (General Physicians and

Specialists), traditional practitioners, nurses, paramedics,
laboratory technicians, dentists, dental nurses, ambulance
workers who are working in a medical centre or hospital or dental
clinic/polyclinic in Malaysia. Doctors, traditional practitioners,
nurses and dentists must be registered with the Ministry of Health
of Malaysia.
(38) “Terminal Illness” : The conclusive diagnosis of a condition that is expected to result
in death of the Participant/Person Covered within twelve (12)
months. The Participant/Person Covered must no longer be
receiving active treatment other than that for pain relief. The
diagnosis must be supported by written confirmation from an
appropriate specialist and confirmed by the Takaful Operator’s
appointed doctor.
(39) “Medullary Cystic : A progressive hereditary disease of the kidney characterized by

Disease” the presence of cysts in the medulla, tubular atrophy and
interstitial fibrosis with the clinical manifestations of anaemia,
polyuria and renal loss of sodium, progressing to chronic kidney
failure. Diagnosis must be supported by a renal biopsy.
(40) “Apallic syndrome : Universal necrosis of the brain cortex with the brainstem intact.
(ie. Persistent This diagnosis must be definitely confirmed by a consultant
Vegetative State neurologist holding such an appointment at an approved hospital.
(PVS))” This condition has to be medically documented for at least one
month.
(41) “Poliomyelitis” : The occurrence of Poliomyelitis where the following conditions

are met:
· Poliovirus is identified as the cause,
· Paralysis of the limb muscles or respiratory muscles must
be present and persist for at least 3 months.
(42) “Progressive : A systemic collagen-vascular disease causing progressive

scleroderma” diffuse fibrosis in the skin, blood vessels and visceral organs.
This diagnosis must be unequivocally supported by biopsy and
serological evidence and the disorder must have reached
systemic proportions to involve the heart, lungs or kidneys.
The following are excluded:
· Localised scleroderma (linear scleroderma or morphea);
· Eosinophilic fascitis; and
· CREST syndrome.
(43) “Chronic Relapsing : More than three (3) attacks of pancreatitis resulting in permanent
Pancreatitis” pancreatic dysfunction causing malabsorption needing enzyme
replacement therapy.
The diagnosis must be made by a consultant gastroenterologist

and confirmed by Endoscopic Retrograde
Cholangiopancreatography (ERCP).
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Chronic Relapsing Pancreatitis caused by alcohol or drug use is

excluded.
(44) “Elephantiasis” : Elephantiasis is the result and complication of filariasis,

characterized by massive swelling in the tissues of the body as a
result of permanent obstructed circulation in lymphatic vessels,
resulting in permanent inability of the Participant/Person Covered
to perform at least three (3 ) of the listed Activities of Daily Living.
Unequivocal “Diagnosis” of Elephantiasis must be clinically

confirmed by a “Specialist” in infectious disease or “Specialist” in
the relevant field, including laboratory confirmation of
microfilariae.
Lymphoedema caused by infection with a sexually transmitted

disease, trauma, postoperative scarring, congestive heart failure,
or congenital lymphatic system abnormalities are excluded.
(45) “Creutzfeldt-Jakob : The occurrence of Creutzfeldt-Jacob Disease or Variant

Disease (Mad Cow Creutzfeldt-Jacob Disease where there is an associated
Disease)” neurological deficit, which is solely responsible for the
Participant’s/Person Covered's permanent inability to perform at
least three (3 ) of the listed Activities of Daily Living. These
conditions have to be medically documented for at least six (6)
months and confirmed by a consultant neurologist with
appropriate testing such as conclusive Electroencephalography
(EEG) and Cerebrospinal Fluid (CSF) findings as well as
Computerized Tomography (CT) scan and Magnetic Resonance
Imaging (MRI).
“Sickness” caused by human growth hormone treatment is

excluded.
3. TERMINATION
This Endorsement shall automatically be terminated on the earliest of the following dates:
3.1 when this Certificate is surrendered; or
3.2 when this Certificate lapses, becomes void or is terminated in any other manner;
whichever occurs first.
**END OF PAGE**
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GREAT EASTERN TAKAFUL BERHAD (916257-H)

MR MOHD AMIN BIN MOHD TAJUDDIN

NOMBOR SIJIL ANDA: 400939435-4

SHAHRUL AZLAN SHAHRIMAN

Dear esteemed Participant,

SHAHRUL AZLAN SHAHRIMAN

TLCIL/V08/07-2018 Page 1 of 1 0510/022612/1

CERTIFICATE INFORMATION STATEMENT

TCIA/V11/11-2019 Page 1 of 3 0510/022612/ 3

FREE LOOK PERIOD

ENQUIRIES ON YOUR CERTIFICATE

CUSTOMER FEEDBACK UNIT

Customer Feedback Unit

Careline No. : 1 300 13 8338

TCIA/V11/11-2019 Page 2 of 3 0510/022612/ 4

OMBUDSMAN FOR FINANCIAL SERVICES or CUSTOMER SERVICES BUREAU, BANK NEGARA

Ombudsman for Financial Services

Bank Negara Malaysia

Contact Centre (BNMTELELINK)

TCIA/V11/11-2019 Page 3 of 3 0510/022612/ 5

How to use your Health Care Card

How to apply for Admission to Panel Hospitals*

Panel Hospital and Specialist

How to Apply for Reimbursement

§ Admission to non-panel hospitals/ specialist

How to call for Emergency Repatriation/Evacuation

How do I renew my Health Care Card?

How do I replace a lost or stolen card?

TINFO/V05/06-2019 Page 1 of 2 0510/022612/ 7

Cara Menggunakan Kad Penjagaan Kesihatan Anda

Prosedur Kemasukan Wad di Hospital Panel*

Hospital Panel dan Pakar

Prosedur Tuntutan Bayaran Balik

§ Kemasukan wad di hospital bukan panel/pakar bukan panel

Prosedur Perkhidmatan Penghantaran Pulang/Pemindahan Kecemasan

Penggantian Kad yang Hilang atau Dicuri

TINFO/V05/06-2019 Page 2 of 2 0510/022613/ 8

LIST OF PANEL HOSPITALS GREAT EASTERN TAKAFUL BERHAD

LIST OF PANEL HOSPITALS GREAT EASTERN TAKAFUL BERHAD

You, the Participant named in Takaful Schedule A of this certificate, have

This Certificate is signed on the issue date.

Chief Executive Officer

TCCA/V06/07-2018 Page 1 of 1 0510/022613/ 11

BASIC SUM COVERED CURRENCY AGE NEXT BIRTHDAY COMMENCEMENT DATE

EFFECTIVE DATE ISSUE DATE

OFFICE OF TAKAFUL OPERATOR FOR PAYMENT OF CONTRIBUTIONS AND BENEFITS

EVENT WHEN THE BASIC SUM COVERED WILL BECOME PAYABLE

CERTIFICATE NO: 400939435-4 PROPOSAL NO: PEN/05437/20

TABLE OF SUPPLEMENTARY BENEFITS

SPECIAL PROVISIONS / ENDORSEMENTS

INVESTMENT - LINKED OPTIONAL BENEFITS SHALL MEAN ALL OF THE FOLLOWING:

TSA7/V02/11-2019 Page 2 of 2 0510/022612/ 14

FUND TYPES AVAILABLE FUND MANAGEMENT CHARGE

1. DANA i-MAKMUR 0.50%

2. DANA i-MEKAR 1.45%

3. DANA i-MAJMUK 1.25%

RM72.00 A YEAR (RM6.00 DEDUCTED EACH MONTH) OR AS REVISED BY THE TAKAFUL

CONTRIBUTIONS ALLOCATED TO CREATE UNITS

UPFRONT CHARGE (UNALLOCATED CONTRIBUTION)

TSB16/V03/01-2020 Page 1 of 1 0510/022613/ 15

* On Date of Tabarru’ Deduction

TCZN/V01/11-2019 Page 1 of 1 0510/022614/ 16

TFMN/V02/01-2020 Page 1 of 1 0510/022614/ 17