Sun Istismar Extra

Grow your wealth whilst staying protected

• Full amount of basic contribution and top-up contribution (if any) will be first allocated and invested into the investment-linked funds of your choice which helps you to achieve your goal faster.
• This plan provides valuable benefits to you and your loved ones in the event of death or total and permanent disability (TPD).
• Extension of takaful coverage (only applicable to contract term up to age 70, 80 and fixed term of 30 years). Upon expiration of the selected contract term, the takaful coverage will be automatically extended up to age 99, subject to additional contributions requirements. No underwriting is required.

Increasing BSC with protection booster

• This plan provides extra coverage with protection booster which boosts your BSC for death/TPD by 5% of the BSC upon the completion of every 5 contract years, up to 20% of the BSC as a token to cater on your increasing responsibility and lifestyle standard.
• Protection booster will be paid when any of the following happens - death, TPD, or as the final benefit.

Safeguard you and your heart quotes with compassionate benefit

• In the event of death of the person covered or the person covered’s immediate family including spouse, children and parents but excluding siblings, stepchild and stepparents, a lump sum of 50% of the current BSC (excluding protection booster) or RM10,000, whichever is lower will be payable.
• For muslim participants and upon your and/or your immediate family’s consent in performing the badal hajj is received by us, this benefit will be payable as the cost of arrangement in performing badal hajj for the person covered or one immediate family member of the person covered to the service provider.
  • This is able to help muslim participants fulfill their needs and embrace their afterlife with a peace of mind.
  • If the cost of arrangement with the service provider is lower than the benefit amount, the unused amount will be payable in one lump sum.
  • This benefit will be payable in one lump sum to the contract holder or proper claimant on the occurrence of any of the following circumstances:
    • the service provider is not available* to perform Badal Hajj that supposed to be performed during the hajj season;
    • if the cost of arrangement with the service provider is higher than the benefit amount; or
    • no consent in performing badal hajj is received by us.
• For non-muslim participants, this benefit will be payable in one lump sum.

*The service provider may not available in the event of declaration of state of emergency/war/riot, catastrophic events, changes in laws or regulations, material shortages, governmental regulations, natural disasters, and/or other circumstances.

Loyalty reward and gratitude gem

While the contract is in force and contributions due are paid within grace period,

• Loyalty reward
  Extra 3% of takaful annualised contribution will be allocated into Investment Account 2 of the contract at the end of every 3 contract years until the end of the contract term including the extension takaful coverage of up to age 99.
• Gratitude gem
  2% of initial BSC or current BSC (excluding protection booster), whichever is lower, or maximum of RM10,000, will be payable in one lump sum to contract holder at the end of 20th contract year.
  This benefit will be payable from the operator’s fund based on hibah (gift) and will be subject to the Operator’s discretion.

Level up protection with a wide range of 9 optional riders

• There are a wide range of optional riders to further enhance your coverage on medical, disability, critical illness and accidental death, as well as waqf benefit, which is a form of continuous and encouraged charity in Islam, that helps Muslim participants to fulfill their social responsibility and embrace their afterlife with a peace of mind.
• Beyond the standard benefits, with Takaful MediCare Extra, you can have extra medical coverage on genomic testing, maternity complications, outpatient acupuncture and chiropractic treatment as well as palliative care. In addition, with Takaful Family Critical Care, you can enjoy 3 generation critical illness coverage in one plan.

Final benefit

• For contract term up to age 99, the total sum covered (BSC and the protection booster) plus total account value, less any indebtedness will be payable when the person covered survives until the end of the contract term (age 99).
• For contract term up to age 70, 80 and fixed 30 years, upon extension of takaful coverage, the total sum covered (BSC and the protection booster) plus total account value, less any indebtedness will be payable when the person covered survives until the end of the extended contract term (age 99).
• Best of all with the final benefit, you get to celebrate your life with a lump sum of money at the age of 99.