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5. RIDERS DESCRIPTION

RIDERS BENEFIT DESCRIPTIONS

1. Critical Illness 46 Super Rider (MT46S)

1. This rider provides additional lump sum coverage in the event that the Person Covered dies or sustains Total & Permanent Disability or diagnosed to be suffering from dread disease except Carcinoma in situ without affecting your basic certificate’s death and total & permanent disability benefit. It covers 46 types of diseases/treatments. A portion or 100% of the sum covered of MT46S will be payable on first diagnosed of dread disease.

2. The following diseases/treatments are payable according to the stipulated % as per below;

Balloon Angioplasty 10% payable Coronary Artery Laser/other Invasive Coronary Procedure 10% payable The MT46S Sum Covered will be reduced accordingly & payable in the event of future Dread Disease.

3. Refer to Appendix 6 for descriptions of the 46 Dread Diseases covered under this plan

2. Critical Illness 46 Plus Rider (MT46P)

1. This rider is accelerated on the BASIC certificate. It covers 46 types of diseases/treatments. 100% of the sum covered of MT46P will be payable on first diagnosis of a dread disease including all cancer disease except Carcinoma in situ.

2. The following diseases/treatments are payable according to the stipulated % as per below;

Balloon Angioplasty 10% payable Coronary Artery Laser/other Invasive Coronary Procedure 10% payable

The Basic & MT46P Sum Covered will be reduced accordingly & payable in the event of future Dread Disease.

3. Refer to Appendix 6 for descriptions of the 46 Dread Diseases covered under this plan

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3. Khusus Protection (MTKP) - Compulsory Rider For Takafulink Hajj

Funeral Expenses (Khairat Kematian) of RM2,000. This benefits is payable within 24 hours of presentation of claim supported by certified copy of Police Report and Death Certificate. Upon full approval of death claim, an additional benefit of RM 5,000 is payable on death, where the beneficiary has an option to use the benefit for the purpose of: a. Repatriation Benefit – Transportation of the body or mortal remains of the person covered back to

Malaysia. b. Ziarah – Cost incurred in funeral/flight/hotel etc. for person covered’s family to arrange for funeral

expenses outside Malaysia. c. Other purposes.

4. Ziarah Protection (MTZP)

a. 100% of your choice of Rider Sum Covered is payable in the event of Accidental Death or Total and Permanent Disability. (Max RM 100,000)

b. 200% of the Rider Sum covered is payable if Accidental Death or Total and Permanent Disability occurs in Saudi Arabia (Max RM200,000)

c. In order to enjoy this benefit, you need to attach together with the MTKP rider in the same basic plan.

5. Payor Benefit (xxMTPB,xx=08-25)

A Payor Benefit Rider allow waiver of contribution in the event the contributor dies, becomes totally and permanently disabled or is diagnosed from any 46 dread diseases. Therefore, you can rest assured that if anything happens to the contributor, the person covered would continue to receive all benefits of the certificate and the intended amount will still be available for the named beneficiary(s). MTPB maximum term calculation:

Entry Age Example

If Person Covered aged 0-15 (Juvenile) Entry Age : 15 Years Old Payor Age : 52 Years Old

i) 25 – (person covered age) OR

ii) 65 – (payor age) Whichever is lower;

So; i) 25 – (15) = 10 OR

ii) 65– (52) = 13 Thus, maximum term of MTPB = 10

If Person Covered aged 16 and above (Adult) Entry Age : 20 Years Old Payor Age : 50 Years Old

i) 65 – (person covered age) OR

ii) 65 – (payor age) Whichever is lower;

So; i) 65 – (20) = 45 OR

ii) 65 – (50) =15 Thus, maximum term of MTPB = 15

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RIDERS BENEFITS DESCRIPTIONS COVERAGE WAITING PERIOD

6. Wanita Illness (MTWI)

- Compulsory Rider For Takafulink Wanita

*Each admitted claim under this rider is payable once only except for benefit on reimbursement basis

1. Female Yearly Medical Check-Up.

Annual Female Medical Check-up including:

i. Blood Test

ii. Pap Smear

iii. Mammogram

iv. Abdomen/Pelvis Ultrasound

Reimbursement Or Maximum of

RM 100

120 days

2. Female Cancers(Breast, Cervix Uteri, Fallopian Tube, Ovary, Uterus, Vagina/Vulva)

An uncontrollable growth and spread of malignant cells, which has result in the invasion and destruction of normal tissue.

100% RSC,

Max. RM500,000

120 days

3. Female Carcinoma-in situ (Breast and Cervix Uteri)

Early stage cancer that is confined to its original location. Premalignant neoplasma that has not invaded the basement membrane but shows characteristics of cancer.

30% RSC,

Max. RM50,000

120 days

4. Systemic Lupus Erythematosus (SLE) With Lupus Nephritis

A disease in which the body produces antibodies that destroys its collagen system. Coverage is restricted to those forms that involve the kidneys.

100% RSC,

Max. RM500,000

30 days

5. High Grade Squamous Intraepithelial Lesion (HSIL) With Severe Dysplasia

Premalignant of the cervix. Coverage of CIN 111 30% RSC,

Max. RM50,000

120 days

6. Fibroid

(Reimbursement Basis)

A benign abnormal growth of the muscle wall of the uterus.

30% RSC,

Max. RM50,000

120 days

7. Ovarian Cyst


Sacs filled with fluid or semi-solid material that forms in the ovaries or on their surface.

30% RSC,

Max. RM50,000

120 days

8. Facial Reconstructive Surgery (above the neck) Due To Accident


Treatment of facial disfigurement being a direct result of an accident requiring inpatient treatment and subsequently the performance of such surgery. The surgery must get opinion of the company’s medical adviser if such treatment is necessary.

30% RSC,

Max. RM50,000

30 days


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Wanita Illness

(MTWI)

- Compulsory Rider For Takafulink Wanita

*Each admitted claim under this rider is payable once only except for benefit on reimbursement basis

9. Breast Reconstructive Surgery Due To Accident and Cancer (Reimbursement Basis)

Plastic or reconstruction of the breast performance by registered surgeon after an accident or mastectomy following diagnosis of invasive breast cancer.

Cosmetic breast surgery is EXCLUDED.

30% RSC,

Max RM50,000

30 days

10. Skin Grafting Due To Burns and Skin Cancer


SKIN CANCER: A malignant tumour characterized by the uncontrolled growth and spread if malignant cells and the invasion if tissue. This excludes non-invasion cancers in situ and tumours in the presence of any human Immunodeficiency Virus.

Metastatic skin cancer is EXCLUDED

SKIN GRAFTING DUE TO BURN: Accidental burning (3 rd degree) affecting at least 10% of the body surface area.

Correction of facial disfigurement is EXCLUDED.

30% RSC,

Max RM50,000

30 days

(burns)

120 days (cancer)

11. Fractures Due To Osteoporosis

Disorder in which the bones become increasingly porous, brittle and subject to fracture

30% RSC,

Max RM20,000

30 days

12. Rheumatoid Arthritis with Complication

Chronic auto immune disease characterized by inflammation and progressive deformity of the joints.

30% RSC,

Max RM20,000

30 days


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7. Wanita Maternity Protection (MTMP)

*In order to enjoy this benefit, you need to attach together with the MTWI rider in the same basic plan

*Each admitted claim under this rider is payable once only.

1. Newborn Allowance Maximum 3 childbirths and is only for children that survive at least 30 days

1% of RSC

Max. RM500

Effective the 2nd Certificate Year onwards

2. Hospitalisation Benefit Due To Complication Arising From Pregnancy

A daily cash allowance for each full day of Hospital Confinement should the person covered be diagnosed of the following illnesses :-

(a) Disseminated Intravascular Coagulation

(b) Ectopic Pregnancy

(c) Hydatidiform Mole (Molar Pregnancy)

(d) Still Birth

(e) Neonatal Death ; or

(f) Eclampsia (Refer the following page 17 for illnesses description)

RM200 Per Day

(Max. 7 Days)

120 days

3. Death Due To Childbirth

The death of the person covered as a direct result of complications of giving birth.

The following are EXCLUDED :

(a) Any death due to child birth took place within 120 days of the issue Date or reinstatement date of the rider whichever is later;

(b) Death due to suicide;

(c) Death occurring during the first one hundred and sixty-eight (168) days of pregnancy;

(d) Death occurring more than thirty (30) days after the delivery.

200% RSC,

Max. RM600,000

120 days


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Wanita Maternity

Protection (MTMP)


5. Infant Congenital Illnesses

i. Down’s Syndrome

ii. Spina Bifida

iii. Tetralogy Of Fallot

Known as chromosome abnormality in the baby. There is an extra chromosome, 47 instead of the normal 46.

(Any child(ren) born within 30 days of the Issue

Date/reinstatement date, whichever is later is not covered under this benefit. Only for children survive at least 30 days)

Commonly known as an exposure in the spinal cord of the baby. (Any child(ren) born within 120 days of the issued date or reinstatement date, whichever is later is not covered under this benefits. Only for children survive at least 30 days)

An anatomic abnormality with a combination of:-

(a) Severe or total right ventricular outflow tract

obstruction;

(b) A ventricular septal defect;

(c) Dextroposition of the aorta with septal override:

(d) Right ventricular hypertrophy

(Any child(ren) born within 120 days of the issued date or reinstatement date, whichever is later is not covered under this benefits. Only for children survive at least 30 days)

30% RSC,

(Max. 50,000)

30% RSC,

(Max. 50,000)

30% RSC,

(Max. 50,000)

30 days

120 days

120 days

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Wanita Maternity Protection (MTMP)



5. Infant Congenital illnesses

iv. Transposition Of

Great Vessels

The condition in which the aorta rises from the right ventricle and the pulmonary artery rises from the left ventricle. This benefit is only for children that survive at least 30 days (Any child(ren) born within 120 days of the issued date or reinstatement date, whichever is later is not covered under this benefits.)

30 % RSC (Max. RM50,000)

120 days

v. Atrial Septal Defect

An abnormal opening in the atria septum that allows free communication of blood between the right and left atria. This benefits is only for children that survive at least 30 days (Any child(ren) born within 120 days of the issued date or reinstatement date, whichever is later is not covered under this benefits.)

30 % RSC (Max. RM50,000)

120 days

vi. Ventricular Septal Defect

An abnormal opening in the ventricular septum permitting the free circulation of blood from the left side of the heart to the right side. This benefits is only for children that survive at least 30 days (Any child(ren) born within 120 days of the issued date or reinstatement date, whichever is later is not covered under this benefits.

30 % RSC (Max. RM50,000)

120 days

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8. Golden Wanita Protection (MTGW)


Loss Of Independence Existence :

Activities of Daily Living

a. Transfer

b. Mobility

c. Continence

d. Dressing

e. Bathing/ Washing

f. Eating

A permanent inability (lasting for a minimum of six

(6 ) months) to perform at least three (3) of the

Activities of Daily Living.

Getting in and out of a chair without requiring any physical assistance.

The ability to move from room to room without requiring any physical assistance.

The ability to control bowel and bladder functions

Putting on and taking off all necessary items of

clothing without requiring assistance of another person

The ability to wash in the bath or shower

All tasks of getting food into the body once it has been prepared

100% of RSC

Nil

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9. Waiver on Contribution Dread Disease (MTWD46)

a. This rider provides for the waiver of contribution of the basic certificate when the person covered is diagnosed to be suffering from any of the 46 dread diseases covered by the MT46P / MT46S.

b. The rider may be added to Takafulink plan regardless whether MT46P / MT46S is attached or not and NOT exceeding RM500,000 sum covered. The balance of basic sum covered, if any, can be continued by paying the contribution.

c. For the following diseases/treatments, the basic contribution will be waived according to the stipulated % per below;

Balloon Angioplasty 10% payable Coronary Artery Laser/other Invasive Coronary Procedure 10% payable HIV by Blood Transfusion 50% payable Occupationally Acquired HIV Infection 50% payable Full Blown AIDS 50% payable

* Subject to a maximum of RM25,000 claims payable

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RIDERS RIDERS DECSRIPTION

10. Hospitalisation Benefit (MTHBR)

1. The rider provides the daily hospital benefit based on period of confinement to a licensed hospital due to illness or injury occurring more than 30 days after the issue date or date of reinstatement. The maximum amount payable for in-patient will not exceed 120 days per annum, subject to an overall Lifetime Limit of 500 times the Daily Benefit.

Plan Benefits

Upon acceptance Proof of Hospitalisation, the Takaful Operator will pay:

Hospitalisation in Government Hospitals and government licensed private hospitals in Singapore, Malaysia and Brunei.

Purchased Daily Benefit for period of Hospitalisation.

Hospitalisation in Hospitals other than those stated above.

50% of the Purchased Daily Benefit for period of Hospitalisation.

11. Hospital & Surgical Benefit (MTHSR)

1. The rider provides coverage based on period of confinement to a licensed hospital due to illness or injury occurring more than 30 days after the issue date or date of reinstatement. The maximum amount payable for in-patient will not exceed 120 days per annum, subject to an overall Lifetime Limit of 500 times the Daily Benefit.

Plan Benefits

Upon acceptance Proof of Hospitalisation, the Takaful Operator will pay:

a. Surgeon Fee Reimbursement of the reasonable and customary charges for a Medically Necessary surgical procedure by a Surgeon/Specialist.

b. Anaesthetist Fee Reimbursement of the charges by the Anaesthetist for the Medically Necessary administration of anaesthesia.

c. Operating Theatre Fee Reimbursement of the charges for the operating theatre cost for surgical operations performed.

Note: If more than one (1) surgery is performed for any one (1) Disability, the total payments for all the surgeries performed shall not exceed 500 times of the Daily Benefit.

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12. Improved Accident Indemnity (MTIAI)

This rider provides a comprehensive coverage for death or injuries resulting within 365 days from an accident. Plan Benefits 1.Death & Dismemberment When as a result of an accident the person covered suffers from any losses within 90 days, benefits shall be paid accordingly. Refer to Appendix 9 for a Table of Dismemberment covered under this plan 2.Temporary Disability Indemnity (provided no loss under 1) a. Total Temporary Disability 0.75% x Sum Covered x Day of MC / 7 Days b. Partial Disability 0.375% x Sum Covered x Day of MC / 7 Days Disability of less than one week is NOT indemnification. (Maximum 52 weeks) 3.Permanent Disability Indemnity (TPD Indemnity) Total, Permanent and Continuous Disability 10% per annum on certificate anniversaries following date of accident 4.Medical Expenses Payable only if such medical or surgical treatment is furnished by a qualified Medical Practitioner within 104 weeks after the date of accident. Medical Expenses – Limit RM50/RM1000 x sum covered per accident up to a maximum of RM6,000 per accident Proof of claims must be submitted together with original medical bills.

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5. RIDER DESCRIPTION


Improved Accident Indemnity (MTIAI)

This rider provides a comprehensive coverage for death or injuries resulting within 365 days from an accident. Plan Benefits 5.Double Indemnity Benefits 1 & 3 will be doubled if loss is sustained when;

a. The person covered is a passenger within any mechanically propelled non-aerial public conveyance over an established land route.

b. The person covered is in an elevator car. (Elevators in mines and construction site excluded) c. Result of the burning of theatre, hotel or other public building in which the person covered shall be at the

commencement of the fire. Note:

1. For any one accident, only 1 claim from benefits 1, 3 or 5 is payable PLUS benefits 2 & 4. However the claims payable under benefits 2 & 4 must not exceed the Basic Sum Covered.

2. The claims under Benefit 1 are not payable if the Disability under Benefit 2 is less than 7 DAYS.

13. Juvenile Critical Illness Protection (MTJCI)

Accelerated from the BASIC certificate. It covers 8 types of juvenile diseases/ treatments. 100% of the sum person covered of MTJCI will be payable on first diagnosis of dread disease (EXCEPT FOR A JUVENILE LIEN). 1. An optional rider. 2. Juvenile Critical Illness Coverage: (refer to the Appendix 8 for a full description)

a. Severe Asthma b. Leukaemia c. Bone Marrow Transplant d. Insulin-dependent Diabetes e. Rheumatic Fever with Valvular Impairment f. Kawasaki Disease with Heart Complication g. Intellectual Impairment due to accident or sickness h. Glomerulonephritis with Nephrotic Syndrome

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14. SmartMedic 100 (SMR10x)

This rider provides a comprehensive medical coverage with a guaranteed hospital admission and takes care of your medical bills upon discharge at our panel hospitals.

Plan Benefits

Plan 1 (RM)

Plan 2 (RM)

Plan 3 (RM)

Plan 4 (RM)

ANNUAL LIMIT 50,000 100,000 150,000 200,000

LIFETIME LIMIT 150,000 300,000 450,000 600,000

Hospital Benefits

Hospital Room & Board (max 200 days

per annum) 150 200 300 450

Intensive Care unit (max 60 days per annum)

As Charged

Hospital Supplies & Services

Surgical Fees

Anaesthetists Fees

Operating Theatre

Pre-Hospital Diagnostic Test

(within 60 days prior to admission)

Pre- Hospital Specialist Consultation

(within 60 days prior to admission)

In-Hospital physician Visit

(max. 200 days per annum)

Post Hospitalisation Treatment

(within 31 days from discharge)

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SmartMedic 100 (SMR10x)

This rider provides a comprehensive medical coverage with a guaranteed hospital admission and takes care of your medical bills upon discharge at our panel hospitals.

Plan Benefits

Out Patient Benefits

Emergency Accidental Outpatient Treatment

(within 24 hours and follow up treatment to a max. of 31 days) As Charged

Out-Patient Physiotherapy Treatment

(within 90 days from discharge/ surgery)

Ambulance Fees 300 400 500 750

Out- Patient Kidney Dialysis Treatment

(per annum) 12,000 18,000 25,000 35,000

Out-patient Cancer Treatment (per annum) 12,000 18,000 25,000 35,000

Other Benefits

Daily Cash Allowance at Government Hospital

(max. 200 days per annum) 50 60 75 85

Home Nursing Care (max. per disability) 500 750 1,000 1,500

Person Covered Child’s Daily Guardian Benefit

(max. per disability) 200 250 300 400

Medical report Fees 80 80 100 100

Government Service Tax As Charged

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15. Waiver of Takaful Saver Contribution on Dread Disease 46 (MTWS46)

This rider provides for the waiver of saver contribution when the Person Covered is diagnosed to be suffering from any one of the 46 dread diseases. a. This rider provides for the waiver of Takaful Saver contribution of the certificate when the person covered is

diagnosed to be suffering from any of the 46 dread diseases. b. In order to enjoy this benefit, you need to attach together with the MTWD46 rider in the same basic plan.

16. Payor Benefit for Takaful Saver (xxMS46)

xx = 08-25

This rider waives all future saver contributions in the event the Participant dies or becomes totally & permanently disabled (TPD) or is diagnosed with any one of the 46 dread diseases covered under this rider prior to the expiration of coverage of xx years or age 65 for TPD.

17. Spouse Payor Benefit (xxMJPB)

xx = 08-25

This rider waives all future contributions in the event of the Participant’s Spouse dies or becomes totally & permanently disabled (TPD) or is diagnosed with any one of the 46 dread diseases covered under this rider prior to the expiration of coverage of xx years or age 65 for TPD.

18. Spouse Payor on Takaful Saver Benefit (xxMJ46)

xx = 08-25

Waives all future saver contributions in the event of the Participant’s Spouse dies or becomes totally & permanently disabled (TPD) or is diagnosed with any one of the 46 dread diseases covered under this rider prior to the expiration of coverage of xx years or age 65 for TPD.

Documents

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