Date : 07/05/2014. This product will compensate you in the event of permanent disability or death caused by Accident.
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- Lizbeth Dean
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1 PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to participate in the IKHLAS Perdana P.A. Takaful. Be sure to also read the general terms and conditions.) 1) What is this product about? TAKAFUL IKHLAS BERHAD IKHLAS PERDANA P.A. TAKAFUL Date : 07/05/2014 This product will compensate you in the event of permanent disability or death caused by Accident. 2) What are the Shariah concepts applicable? Tabarru shall mean donation for the purpose of solidarity and cooperation among the Participants and to be used to help Participants in times of misfortune. In the context of Takaful IKHLAS, Tabarru will be allocated into the Risk Fund. Wakalah shall mean agency. In this context, it refers to a contract between Company and the Participant where the Participant authorizes the Company to manage the fund on his/her behalf, which allows the Company to charge a Wakalah fee. Note : Please refer to the Takaful Certificate contract for more information. 3) What are the covers / benefits provided? This product covers : Death Permanent Disablement Immediate Death/ Funeral Expense Hospital Allowance Note : Please refer to the schedule of benefits for death and disablement in the Certificate contract. Duration of cover is for one year. You need to renew your Takaful cover annually. 4) How much contribution do I have to pay? The total Contribution that you have to pay may vary depending on our underwriting requirements. Sum covered (RM) Contribution (RM) Death/ Permanent Disablement Immediate Death Expenses Hospital Income The total Contribution that you have to pay is : RM Subject to minimum Contribution of RM ) What are the fees and charges that I have to pay? The following charges are applicable: What you have to pay in addition to the Contribution amount :- 1
2 Service tax (if any) : 6% of Contribution Stamp duty : RM10.00 What is included in the Contribution amount :- Wakalah Fees - Commissions : up to 25% of Contribution Management Expenses : 35% of Contribution What you have to pay if you cancel the Certificate :- Cancellation Fee : RM ) What are some of the key terms and conditions that I should be aware of? Age Limit 3 years old to 65 years old Importance of Disclosure You must disclose all material facts such as your occupation and your personal pursuits which would affect our acceptance on the coverage and number of personal accident certificates/ policies and amount of Takaful/ insurance that you have purchased from other Takaful operators/ insurance companies. You must disclose all material facts that you know or ought to know; otherwise your Takaful Certificate may be invalidated. If there is any change in your life profile including the occupation and personal pursuits, you are to notify us immediately. Compensation / Indemnity We will pay for compensation on death or injury (Permanent Disablement) in accordance with the Table of Benefits attached to the Certificate. Cash Before Cover It is fundamental and absolute special condition of this contract of Takaful that the Contribution due must be paid and received by us before cover commences. If this condition is not complied with then this Takaful Certificate is automatically null and void. You are advised to pay the Contributions directly to us, either by cash, credit card or cheques (cheques should be made only in the name of the Company). Surplus The Company shall charge a Surplus Administration Charge (SAC) of 50% of the gross distributable surplus arising at the end of the financial year. However, the Company may at its discretion and where appropriate charge SAC less than 50% of the gross distributable surplus. Any net distributable surplus arising (after deducting the SAC) from the Risk Fund will be allocated in full (100%) to the Participant. If the amount due to Participant is less than RM10 per Certificate, the amount shall be retained in the Risk Fund. 7) What are the major exclusions under the certificate? This Takaful Certificate does not cover death or permanent disablement due to: Participant committing or attempting to commit any unlawful act; war, invasion, act of foreign enemy, hostilities (whether war be declared or not) civil war, rebellion, revolution, insurrection, mutiny or usurped power, strike, riot, civil commotion, military or popular 2
3 uprising where the Participant directly or indirectly participates or is involved howsoever in such activities; any act of terrorism; insanity, suicide (whether sane or insane) or any attempt thereat by the Participant; pre-existing physical or mental defect or infirmity to the Participant; bacterial or viral infections, any disease or sickness, medical or surgical treatment (except such as may be necessitated solely by injuries covered by this Certificate and performed within the time provided in the Certificate) to the Participant; childbirth, miscarriage, pregnancy or any complications thereof to the Participant; provoked murder or assault by the Participant which caused his/ her death; or any breach of Civil or Shariah Law and principles by the Participant; pre-existing permanent disablement or bodily injury to the Participant; misuse or abuse of substance, alcohol and/or drugs by the Participant; any other causes prohibited by Shariah Law and principles. Note : This list is non-exhaustive. Please refer to the Takaful Certificate contract for the full list of exclusions under this Takaful Certificate. 8) Can I cancel my certificate? You may cancel your Takaful Certificate by giving written notice to us. Upon cancellation, you are entitled to a refund of the pro rata Contribution for the Period of the Takaful Certificate which has been in force. No refund of Contribution is allowed if there is a claim under the Takaful Certificate. 9) What do I need to do if there are changes to my contact details? It is important that you inform us of any change in your contact details to ensure that all correspondences reach you in a timely manner. 10) Where can I get further information? Should you require additional information about Personal Accident Takaful, please refer to the insuranceinfo booklet on Personal Accident Takaful, available at all our branches or you can obtain a copy from your Takaful intermediary or visit Should you require additional information about IKHLAS Perdana P.A. Takaful, please contact us at: Takaful IKHLAS Berhad Customer Relationship Management IKHLAS Point Tower 11A, Avenue 5 Bangsar South No. 8 Jalan Kerinchi Kuala Lumpur Telephone No : Fax No : Website : ikhlascare@takaful-ikhlas.com.my 3
4 11) Other types of similar Takaful cover available. IKHLAS Group Personal Accident Takaful IKHLAS Kembara Takaful IKHLAS Personal Accident Takaful IMPORTANT NOTE : YOU ARE ADVISED TO NOTE THE SCALE OF BENEFIT FOR DEATH AND PERMANENT DISABLEMENT IN YOUR TAKAFUL CERTIFICATE. YOU MUST NOMINATE A NOMINEE AND ENSURE THAT YOUR NOMINEE IS AWARE OF THE PERSONAL ACCIDENT TAKAFUL CERTIFICATE THAT YOU HAVE PARTICIPATED IN. YOU SHOULD READ AND UNDERSTAND THE TAKAFUL CERTIFICATE AND DISCUSS WITH THE AGENT OR CONTACT TAKAFUL OPERATOR DIRECTLY FOR MORE INFORMATION. The information provided in this disclosure sheet is valid as at 07/05/2014 4
5 {Versi Bahasa Malaysia} HELAIAN PENERANGAN PRODUK (Sila baca Lembaran Pendedahan Produk ini sebelum anda membuat keputusan memilih IKHLAS Perdana P.A. Takaful. Pastikan juga anda telah membaca terma-terma dan syaratsyarat.) TAKAFUL IKHLAS BERHAD IKHLAS PERDANA P.A. TAKAFUL Tarikh : 07/05/2014 1) Produk apakah ini? Produk ini akan membayar pampasan kepada anda bagi hilang keupayaan kekal mahupun kematian yang berpunca dari Kemalangan. 2) Apakah konsep Shariah yang digunapakai? Tabarru - bermaksud derma bagi tujuan perpaduan dan kerjasama di kalangan Peserta-peserta dan akan digunakan untuk membantu Peserta yang ditimpa musibah. Di dalam konteks Takaful IKHLAS, Tabarru akan diperuntukkan ke dalam Dana Risiko. Wakalah - bermaksud agensi. Di dalam konteks ini, ia merujuk kepada kontrak di antara Syarikat dan Peserta di mana Peserta melantik Syarikat untuk menguruskan dana bagi pihak Peserta, yang membenarkan Syarikat untuk mengenakan yuran Wakalah. Nota : Sila rujuk kepada Sijil kontrak Takaful untuk maklumat lanjut. 3) Apakah perlindungan/manfaat yang ditawarkan? Produk ini melindungi : Kematian Hilang Keupayaan Kekal Perbelanjaan Pengkebumian Elaun Hospital Nota : Sila rujuk carta manfaat untuk kematian dan hilang keupayaan kekal di dalam Sijil Takaful perjanjian. Tempoh perlindungan selama satu tahun. Anda dikehendaki memperbaharui Sijil Takaful anda setiap tahun. 4) Berapakah jumlah sumbangan yang perlu dibayar? Jumlah Sumbangan yang perlu anda bayar mungkin bergantung kepada keperluan pengunderaitan. Jumlah dilindungi (RM) Sumbangan (RM) Kematian/ Hilang Keupayaan Kekal Perbelanjaan Pengkebumian Elaun Hospital Anggaran jumlah Sumbangan yang anda perlu bayar ialah : RM Tertakluk kepada Sumbangan minimum sebanyak RM
6 5) Apakah yuran dan caj yang perlu dibayar? Berikut adalah yuran dan bayaran yang dikenakan: Bayaran yang perlu dijelaskan di samping jumlah Sumbangan:- Cukai Perkhidmatan (jika ada) : 6% dari Sumbangan Duti Setem : RM10.00 Bayaran lain yang termasuk dalam jumlah Sumbangan Yuran Wakalah - Komisen : sehingga 25% dari Sumbangan Perbelanjaan Pengurusan : 35% dari Sumbangan Bayaran yang perlu dijelaskan jika anda membatalkan Sijil ini :- Yuran Pembatalan : RM ) Apakah terma dan syarat utama yang perlu diketahui? Had umur 3 tahun sehingga 65 tahun Kepentingan Pendedahan Anda mestilah menyatakan semua fakta penting seperti pekerjaan anda dan perihal peribadi yang boleh mempengaruhi penerimaan perlindungan, dan bilangan sijil serta jumlah Takaful kemalangan diri yang telah anda perolehi dari mana-mana pengendali Takaful / insurans. Anda mestilah mendedahkan semua fakta penting yang anda tahu atau patut tahu, jika tidak, Sijil Takaful ini boleh dianggap tidak sah. Sekiranya terdapat sebarang perubahan pada profil hidup anda termasuk maklumat pekerjaan atau perihal peribadi, sila maklumkan kepada pihak kami dengan serta-merta. Pampasan / Tanggungan Kami akan membayar pampasan di atas kematian atau kecederaan (Hilang Keupayaan Kekal) berdasarkan kepada Jadual Manfaat yang disertakan di dalam Sijil. Tunai Sebelum Perlindungan Adalah menjadi asas dan syarat mutlak perjanjian Sijil Takaful ini di mana Sumbangan tempohnya telah matang mesti dibayar dan diterima oleh pihak kami sebelum tarikh perlindungan berkuatkuasa. Sekiranya syarat ini tidak dipatuhi, Sijil Takaful akan menjadi tidak sah dan terus terbatal. Anda digalakkan untuk membayar Sumbangan terus kepada kami, sama ada secara tunai, kad kredit atau cek (cek hendaklah dinamakan ke atas pihak Syarikat sahaja). Lebihan Pihak Syarikat akan mengenakan Caj Pengurusan Lebihan (SAC) sebanyak 50% daripada lebihan boleh-agih kasar dari Dana Risiko pada setiap akhir tahun. Walau bagaimanapun, pihak Syarikat boleh mengenakan caj SAC kurang daripada 50% daripada lebihan boleh-agih kasar mengikut budi bicara dan kesesuaian. Sebarang lebihan boleh-agih bersih (selepas ditolak SAC) daripada Dana Risiko akan diperuntukkan seluruhnya (100%) kepada Peserta. Sekiranya jumlah untuk Peserta kurang daripada RM10 untuk setiap Sijil, jumlah tersebut akan terus disimpan di dalam Dana Risiko. 7) Apakah pengecualian utama yang terdapat di dalam sijil ini? Sijil Takaful ini tidak melindungi kematian atau hilang keupayaan kekal yang disebabkan oleh : 6
7 Peserta terlibat atau cubaan di dalam sebarang aktiviti yang menyalahi undang-undang; peperangan, serangan, perbuatan musuh asing, permusuhan (sama ada peperangan diisytiharkan atau tidak), peperangan sivil, pemberontakan, revolusi, pemberontakan atau rampasan kuasa, mogok, rusuhan, kekecohan awam, kebangkitan tentera atau kebangkitan popular di mana Peserta secara langsung atau tidak langsung mengambil bahagian atau terlibat walau apa jua dalam aktivitiaktiviti tersebut; Penglibatan di dalam aktiviti keganasan; gila, bunuh diri (sama ada siuman atau tidak siuman) atau apa-apa percubaan ke arah itu oleh Peserta; kecacatan atau kelemahan fizikal atau mental sedia wujud Peserta; jangkitan bakteria atau virus, apa-apa penyakit, rawatan perubatan atau pembedahan (kecuali sebagaimana yang perlu semata-mata akibat kecederaan yang dilindungi oleh Sijil ini dan dilaksanakan dalam masa yang tertera di dalam Sijil ) kepada Peserta; bersalin, keguguran, kehamilan atau apa-apa komplikasi yang berkaitannya kepada Peserta; perbuatan asakan atau serangan yang dimulakan oleh Peserta yang menyebabkan dirinya terbunuh pembunuhan atau serangan ke atas Peserta; sebarang perlakuan yang melanggar Undang-undang Sivil atau Shariah dan prinsip-prinsipnya oleh Peserta; hilang keupayaan kekal yang sedia ada atau kecederaan tubuh badan Peserta; penyalahgunaan bahan, alkohol dan/ atau dadah oleh Peserta; sebab-sebab lain yang dilarang oleh Undang-undang dan prinsip-prinsip Shariah. Nota : Senarai ini bukan senarai yang lengkap. Sila rujuk Sijil kontrak Takaful untuk senarai penuh bagi pengecualian di bawah Sijil Takaful ini. 8) Bolehkah saya membatalkan sijil Takaful ini? Anda boleh membatalkan Sijil Takaful ini dengan memberi notis bertulis kepada pihak kami. Selepas pembatalan, anda layak mendapat pulangan Sumbangan untuk kadar pro rata bagi tempoh Sijil Takaful yang telah berkuatkuasa. Tiada pulangan Sumbangan dibenarkan jika ada sebarang tuntutan di bawah Sijil Takaful ini. 9) Apakah yang perlu dilakukan sekiranya terdapat perubahan kepada maklumat untuk dihubungi? Adalah penting bagi anda untuk memaklumkan pihak kami tentang sebarang perubahan mengenai maklumat anda bagi memastikan semua surat-menyurat dapat disampaikan kepada anda tepat pada masanya. 10) Bagaimanakah saya boleh mendapatkan maklumat lanjut? Sekiranya anda memerlukan informasi tambahan mengenai Takaful Kemalangan Diri, sila rujuk kepada buku panduan insuranceinfo mengenai Takaful Kemalangan Diri yang boleh didapati dari semua cawangan kami atau dapatkan satu salinan daripada pengantara Takaful anda atau layari laman web Sekiranya anda memerlukan maklumat tambahan mengenai IKHLAS Perdana P.A. Takaful, sila hubungi kami di : 7
8 Takaful IKHLAS Berhad Jabatan Pengurusan Pelanggan IKHLAS Point Tower 11A, Avenue 5 Bangsar South No. 8 Jalan Kerinchi Kuala Lumpur No. Telefon : No. Faks : Laman Web : ikhlascare@takaful-ikhlas.com.my 11) Produk seumpama yang boleh didapati? IKHLAS Group Personal Accident Takaful IKHLAS Kembara Takaful IKHLAS Personal Accident Takaful NOTA PENTING : ANDA DINASIHATKAN UNTUK MENGAMBIL PERHATIAN SKALA MANFAAT UNTUK KEMATIAN DAN HILANG KEUPAYAAN KEKAL DALAM SIJIL TAKAFUL ANDA. ANDA MESTI MENCALONKAN PENAMA DAN PASTIKAN PENAMA ANDA TAHU TENTANG SIJIL TAKAFUL KEMALANGAN DIRI YANG ANDA TELAH SERTAI. ANDA PERLU MEMBACA DAN MEMAHAMI SIJIL TAKAFUL DAN BERBINCANG DENGAN EJEN ATAU HUBUNGI PENGENDALI TAKAFUL UNTUK MAKLUMAT LANJUT. Informasi yang disediakan dalam lembaran pendedahan ini adalah sah pada 07/05/2014 8
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