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Sinar Baraqah

Attain your spiritual journey with total peace of mind throughout your life

Sinar Baraqah offers a comprehensive solution of takaful protection for you and your loved ones. It also helps to expedite your hajj obligations as well as Badal Hajj.

Benefits & Features


Badal Hajj benefit

Your Hajj obligation will be fulfilled through Badal Hajj (upah Haji) service due to death, total and permanent disability (TPD) or critical illness (CI).


Double takaful coverage while performing Hajj/Umrah

Additional of 100% sum covered will be payable if death/TPD occurs while performing Hajj/Umrah (subject to the coverage period of 45 days for Hajj and 15 days for Umrah, or the actual travel duration, whichever is shorter).


Special payout

A special payout of RM1,500 from UA on 3rd contract anniversary to top-up your Tabung Haji savings or for the purpose of Hajj registration.


Final benefit

Universal account value (UA) as final benefit will be payable upon contract maturity.

Note: Terms and conditions apply.


The benefit(s) payable under eligible certificate/policy/contract is(are) protected by PIDM up to limits. Please refer to PIDM’s Takaful and Insurance Benefits Protection System (TIPS) Brochure or contact Sun Life Malaysia Takaful Berhad or PIDM (visit www.pidm.gov.my).


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