Download IKHLASlink Comprehensive Critical Illness Benefit - e

IKHLASlink Comprehensive Critical Illness
Benefit Secure Takaful Rider
1. IKHLASlink Comprehensive Critical Illness Benefit Secure Takaful Rider
Securing
life uncertainties. With IKHLASlink Comprehensive Critical Illness Benefit Secure
Takaful Rider (CCIB), you are comprehensively covered through the most difficult stages of
your life. The plan helps to ease your financial burden specifically covering the medical cost for
life-threatening critical illnesses.
IKHLASlink Comprehensive Critical Illness Benefit (CCIB) Secure Takaful Rider is a unit deducting
rider which is attachable to the regular Takaful Contribution investment-linked Takaful plans.
2. What are the covers / benefits provided?
Benefits
CCIB Secure Takaful
CCIB Diabetes Recovery Benefit
CCIB Cancer Recovery Benefit
i)
CCIB Diabetes Recovery Benefit and CCIB Cancer Recovery Benefit are payable in
addition to CCIB Secure Takaful amount. These benefits are not payable once 100% of
CCIB Secure Takaful amount is paid for other covered critical illness.
ii) Coverage for Critical Illness under Advanced Stage expires when Person Covered reaches
the age of 100 at his/her next birthday. Whereas coverage for Critical Illness under Early
and Intermediate Stages and Diabetic Related Disease expire when Person Covered
reaches the age of 85 at his/her next birthday.
a) Comprehensive Critical Illnesses Benefit (CCIB)
the Person Covered is diagnosed of any one (1) of the CCIB listed in the table below, before
If
the Maturity or Expiry date of the Supplementary Takaful Certificate, a percentage (%) of
the CCIB Secure Takaful amount based on the Critical Illness stages, shall be payable. The
Supplementary Certificate shall terminate once 100% of the CCIB Secure Takaful amount
has been exhausted.
Critical Illness Stages
No.
Category
Early Stage
(50% of CCIB Secure
Takaful Amount)
Intermediate Stage
(100% of CCIB Secure
Takaful Amount)
Advanced Stage
(100% of CCIB Secure
Takaful Amount)
1
Neurosurgeries such as
Brain Aneurysm Surgery,
Cerebral Shunt Insertion
and Carotid Artery Surgery,
including Stroke
- Brain Aneurysm Surgery
- Cerebral Shunt Insertion
Carotid Artery Surgery
Stroke – resulting in
permanent neurological
deficit with persisting
clinical symptoms
2
Cardiac arrhythmia and
Heart Attack
Cardiac Pacemaker Insertion
Cardiac Defibrillator Insertion
Heart Attack – of specified
severity
3
Kidney Disease
Surgical Removal of One kidney
Chronic Kidney Disease
Kidney Failure – requiring
dialysis or kidney transplant
4
Cancer
- Carcinoma in situ
- Early Prostate Cancer
- Early Thyroid Cancer
- Early Bladder Cancer
- Early Chronic Lymphocytic
Leukaemia
Carcinoma in situ and other
Early Cancers of Specified
Organs Treated with Radical
Surgery
Cancer – of specified
severity and does not cover
very early cancers
5
Coronary Artery By-Pass
Surgery and Pericardial
disease requiring surgery
Pericardectomy
Minimally Invasive Direct
Coronary Artery Bypass
Grafting (MIDCAB)
Coronary Artery By-Pass Surgery
6
Other Serious Coronary
Artery Disease
Early Coronary Artery Disease
Other Coronary Artery Disease Serious Coronary Artery
Disease
7
Liver Disease
Liver Surgery
Liver Cirrhosis
End-Stage Liver Failure
8
Disease of the Biliary Tract
and Fulminant Viral Hepatitis
Biliary Tract Reconstruction
Surgery
Chronic Primary Sclerosis
Cholangitis
Fulminant Viral Hepatitis
9
Coma
Coma for 48 hours
Coma for 72 hours
Coma – resulting in
permanent neurological
deficit with persisting
clinical symptoms
10
Brain Tumour
Surgical Removal of Pituitary
Tumour via Trans Sphenoidal
Hypophysectomy
11
Loss of Hearing
- Partial Loss of Hearing
- Cavernous Sinus Thrombosis
Surgery
Cochlear Implant Surgery
12
Burns
Mild Severe Burns
Moderately Severe Burns
Third Degree Burns – of
specified severity
13
HIV, Hepatitis B or C due
to Blood Transfusion
Occupationally Acquired
Hepatitis B or C
14
Lung Disease
Severe Asthma
Surgical Removal of One Lung End-Stage Lung Disease
15
Encephalitis
Encephalitis with Full Recovery
Mild Encephalitis
16
Major Organ/Bone Marrow
Transplant
- Small Bowel Transplant
- Corneal Transplant
Major Organ/Bone Marrow Major Organ/Bone Marrow Transplant (on the waiting list) Transplant
17
Loss of Speech
Loss of Speech (other than
injury or illness to the vocal
cords)
-
Brain Surgery
Surgery for Subdural
Haematoma
-
18
-
-
Benign Brain Tumour – of
specified severity
HIV Infection Due To Blood
Transfusion
Encephalitis – resulting in
permanent inability to
perform Activities of Daily
Living
Loss of Speech
Brain Surgery
19
Heart Valve Surgery
Percutaneous Valvuloplasty
Percutaneous Valve
Replacement
Heart Valve Surgery
20
Bacterial Meningitis
Bacterial Meningitis with Full
Recovery
Moderately Severe Bacterial
Meningitis
Bacterial Meningitis –
resulting in permanent
inability to perform
Activities of Daily Living
21
22
23
24
Moderately Severe
Parkinson’s Disease
Parkinson’s Disease –
resulting in permanent
inability to perform
Activities of Daily Living
25
26
Spinal Cord Disease or Injury
resulting in Bowel and
Bladder Dysfunction
27
28
Multiple Sclerosis
29
Primary Pulmonary Arterial
Hypertension – of specified
severity
30
Diseases of the kidney such as
Chronic Glomerulonephritis
and Medullary Cystic Disease
31
32
33
34
35
Early Loss of
Independent Existence
Myelodysplastic Syndrome
or Myelofibrosis
Minimally Invasive
Surgery to Aorta
-
Major Head Trauma –
resulting in permanent
inability to perform
Activities of Daily Living
Chronic Aplastic Anaemia –
resulting in permanent
Bone Marrow Failure
Motor Neurone Disease –
permanent neurological
deficit with persisting
clinical symptoms
Muscular Dystrophy
Surgery to Aorta
Medullary Cystic Disease
Cardiomyopathy – of
specified severity
Systemic Lupus
Erythematosus with Severe
Kidney Complications
Paralysis of limbs
Blindness – Permanent and
Irreversible
Loss of Independent
Existence
b) Angioplasty and Other Invasive Treatments for Coronary Artery Disease
Amount under ‘Angioplasty and Other Invasive Treatments for Coronary Artery
Disease’ is equal to fifteen percent (15%) of CCIB Secure Takaful amount or RM30,000,
whichever is lower. This benefit is payable once only. The CCIB Secure Takaful amount will
be reduced by the claim amount paid under ‘Angioplasty and Other Invasive Treatment for
Coronary Artery Disease’.
c) CCIB Diabetes Recovery Benefit
Category
Diabetic Related
Diseases
Disease
• Surgery for Type 2 Diabetic Retinopathy
• Limb Amputation due to Type 2 Diabetic Complications
• Severe Diabetic Nephropathy resulting in Kidney Failure
The
CCIB Diabetes Recovery Benefit amount is equal to twenty percent (20%) of the CCIB
Secure Takaful amount. Only one (1) claim is allowed under CCIB Diabetes Recovery Benefit
and this Benefit is paid on top of the CCIB Secure Takaful amount.
d) CCIB Cancer Recovery Benefit
The
CCIB Cancer Recovery Benefit amount is equal to thirty five (35%) of the CCIB Secure
Takaful amount. The amount for Early Stage Critical Illness is thirty percent (30%) of the
CCIB Cancer Recovery Benefit amount, and the amount for Intermediate/ Advanced Stage
Critical Illness is one hundred percent (100%) of the CCIB Cancer Recovery Benefit amount.
Only
one (1) claim is allowed for Early Stage Cancer under this benefit. The subsequent claim
made under Intermediate / Advanced Stage Cancer will be paid based on the remaining
CCIB Cancer Recovery Benefit amount. This Benefit is paid on top of the CCIB Secure Takaful
amount.
For further details on the coverage provided, please refer to the Supplementary Takaful
Certificate.
3. How much Takaful Contribution do I have to pay?
No
additional Takaful Contribution applicable to this Rider since the Tabarru’ charge will be
deducted from Unit Fund of the Basic Takaful Certificate. However, the Tabarru’ charge is NOT
GUARANTEED and may be varied from time to time by giving three (3) months’ notice to the
Takaful Participant prior to Takaful Certificate anniversary.
4. What are the fees and charges that I have to pay?
a) Wakalah Fees - not applicable.
b) Tabarru’ charge is deducted from the Unit Fund of the Basic Takaful Certificate on
monthly basis (through cancellation of units at unit price) and Goods and Services Tax
(GST) will be charged on the tabarru’. Tabarru’ will increase as the Person Covered grow
older. Details of the tabarru’ amount and other charges for this rider are illustrated in the
benefit illustration.
5. Terms and Age Limit
Issue Age:
Takaful Participant:
10 – 60 years old, age next birthday
Person Covered:
30 days – 60 years old, age next birthday
Note
: Takaful Participant between age 10 – 16 years old are subject to consent from parents/
guardian.
Sum Covered Limits:
Minimum : RM10,000
Maximum : RM200,000
Expiry Age:
• Coverage for Critical Illness under Advanced Stage expires when Person Covered reached
the age of 100 years old, age next birthday.
• Coverage for Critical Illness covered under Early and Intermediate Stages and Diabetes
Recovery Benefit will expire when Person Covered reached the age of 85 years old, age
next birthday.
6. Additional terms and Conditions
a) Waiting period for this plan is:
i) Coverage for Critical Illness under Advanced Stage will only start sixty (60)
days after the Issue Date or Reinstatement Date, whichever is later for Cancer – of
specified severity and does not cover very early cancers (including Advanced
Stage Critical Illness covered under Cancer Recovery Benefit), Heart Attack –
of specified severity, Coronary Artery By-Pass Surgery, Serious Coronary Artery
Disease, and Angioplasty and Other Invasive Treatments for Coronary Artery
Disease and thirty (30) days for all other covered illnesses.
ii)
Coverage
for Diabetic Related Diseases, Critical Illness under Early and Intermediate
Stage (including Early and Intermediate Stage Critical Illness covered under Cancer
Recovery Benefit) will only start sixty (60) days after the Issue Date or Reinstatement
Date, whichever is later.
d) Claims conditions:
i) Any amount payable under CCIB Secure Takaful (any claim paid under Early
Stage Critical Illness and Angioplasty and Other Invasive Treatments for
Coronary Artery Disease) will reduce the CCIB Secure Takaful amount available for
subsequent claims except if the claim is made under CCIB Diabetes Recovery
Benefit and CCIB Cancer Recovery Benefit.
Once a claim has been paid for a Critical Illness from any stages, other Critical Illness
ii)
within the same or earlier stages under that same category will no longer be covered.
iii) A
maximum of 2 Early Stage claims under different Critical Illness category according
to the Critical Illness table can be made and the Supplementary Takaful Certificate
will terminate thereafter.
Diabetes Recovery Benefit and CCIB Cancer Recovery Benefit will not be payable
iv) CCIB
once 100% of the CCIB Secure Takaful amount has been paid.
7. What are the major exclusions under the Takaful Certificate?
This Supplementary Takaful Certificate does not cover if:
a) The
Critical Illness is any illness or surgery other than diagnosis of or surgery for a Critical
Illness as defined herein;
b) The signs or symptoms of the Critical Illness defined under Advanced Stage that is manifested
prior to or within the Waiting Period;
c)
The Critical Illness was caused directly or indirectly by the existence of Acquired
Immune Deficiency Syndrome (AIDS) or by the presence of any Human Immuno-deficiency
Virus (HIV) infection. The Company reserves the right to require the Person Covered to
undergo a blood test for HIV as a condition precedent to acceptance of any claim. This
exclusion does not apply to HIV Infection due to Blood Transfusion. For the purpose of the
Supplementary Takaful Certificate,
i)
The definition of AIDS shall be that used by the World Health Organization in 1987, or
any subsequent revision by the World Health Organization of that definition.
ii) Infection shall be deemed to have occurred where blood or other relevant test(s)
indicate in the Company’s opinion either the presence of any Human Immunodeficiency
Virus or Antibodies to such a Virus.
d) Any
stage of Cancer caused directly or indirectly, wholly or partly, by any one (1) of the
following occurrence:
i) Any stage of Cancer or surgery other than diagnosis of or surgery for a stage of Cancer as
defined herein; or
ii) The signs or symptoms of Cancer that is manifested prior to or within sixty (60) days
from the issue date or reinstatement date of this Supplementary Takaful Certificate,
whichever is later; or
iii) The Cancer arises directly or indirectly from a Pre-Existing Condition as defined in the
Supplementary Takaful Certificate, which existed prior to the issue date or reinstatement
date of this Supplementary Takaful Certificate, whichever is later; or
e) Any
Diabetic Related Disease caused directly or indirectly, wholly or partly, by any one (1) of
the following occurrence:
i)
Any illness or surgery other than diagnosis of or surgery for Diabetic Related Disease as
defined herein; or
ii) The signs or symptoms of Diabetic Related Disease that is manifested prior to or within
sixty (60) days from the issue date or reinstatement date of this Supplementary Takaful
Certificate, whichever is later; or
iii) The Diabetic Related Diseased arises directly or indirectly from a Pre-Existing Condition
as defined, which existed prior to the issue date or reinstatement date of this
Supplementary Takaful Certificate, whichever is later; or
f) The Critical Illness is within the same or earlier stage of the previous Critical Illness claim
category, save and except for Angioplasty and Other Invasive Treatments for Coronary
Artery Disease;
g) Any
Critical Illness was diagnosed due, directly or indirectly, to a congenital defect or disease,
which was manifested or was diagnosed before the Person Covered attains seventeen (17)
years of age;
h) Any of the Critical Illness is caused by a self-inflicted injury;
i) Any Critical Illness resulting directly from alcohol or drug abuse;
j) The
Person Covered did not survive for at least seven (7) days after the diagnosis of an Early
Stage Critical Illness; or
k) The Person Covered did not survive for at least thirty (30) days after:
i)
The diagnosis of an Intermediate Stage Critical Illness; or
ii) The diagnosis of an Advanced Stage Critical Illness; or
iii) The undergoing of Angioplasty and other Invasive Treatment for Coronary Artery Disease; or
iv) The diagnosis of a Diabetic Related Disease; or
Note:
This list is non-exhaustive. Please refer to the Takaful Certificate for full list of exclusions
under this Takaful Certificate.
8. Can I cancel my Takaful Certificate?
you find that this rider is no longer appropriate, you may cancel it by giving us a written
If
notice.
9. What do I need to do if there are changes to my contact details?
is important that you inform us of any change in your contact details (including that of the
It
nominee) to ensure that all correspondences reach you and/or nominee in a timely manner.
10. Where can I get further information?
Should
you require additional information on Investment-Linked Takaful and/or Medical and
Health Takaful, please refer to insurance info booklet on ‘Investment-Linked Takaful’ and/or
‘Medical and Health Takaful’, available at all our branches or you can obtain a copy from our
Takaful agent or visit www.insuranceinfo.com.my.
If you have any enquiries, please contact us at :
CRM Department
Takaful Ikhlas Berhad
IKHLAS Point, Tower 11A, Avenue 5
Bangsar South, No. 8, Jalan Kerinchi
59200 Kuala Lumpur
Tel: +603 2723 9999
Fax: +603 2723 9998
E-mail: [email protected]
11. Other types of similar Takaful cover available?
Nil
IMPORTANT NOTE:
YOU
SHOULD SATISFY YOURSELF THAT THIS TAKAFUL CERTIFICATE WILL BEST SERVE YOUR
NEEDS. YOU SHOULD READ AND UNDERSTAND THE TAKAFUL CERTIFICATE AND DISCUSS WITH
THE AGENT OR CONTACT THE TAKAFUL OPERATOR DIRECTLY FOR MORE INFORMATION.
04/2015