GetProtected with Takaful
Get protected with Nurani Takaful (PA) as low as MYR 0.033 a day
What is
Nurani
Takaful (PA)?
This is a renewable product that provides compensation in the event of bodily injuries, disablement or death caused solely and directly by a sudden, unforeseen and fortuitous event that happens unexpectedly.
Benefits and Coverage
Accidental Hospital Income
MYR 50 (Max for 30 Days)
Accidental Death & Permanent Disablement
MYR 25,000
Double Indemnity on Public Holiday
MYR 50,000
Product Disclosure Sheet
Click to Download
Frequently Asked Questions
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The monthly contribution that you have to make is RM 1,00 per month, excluding 6% Service Tax.
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- Takaful: An arrangement based on mutual assistance under which takaful participants agree to contribute to a common fund providing for mutual financial benefits payable to the takaful participants or their beneficiaries on the occurrence of pre-agreed events.
- Wakalah: Agency contract where the participant appoints the takaful operator to manage Takaful contributions by charging an agreed Wakalah Fee for their services.
- Tabarru’: It is a contribution from the participants to the General Risk Investment Account (GRIA) which the participants agree to relinquish all or a portion of their contribution to pay the takaful benefits.
- Hibah: A gift. In Takaful, contract of Hibah is also applicable in other transactions such as in surplus sharing, whereas Takaful benefit shall be given to the nominated recipient based on Conditional Hibah.
- Ju’alah: It is a commission (reward) for good performance in managing the General Risk Investment Account (GRIA) where the takaful operator shall be entitled to an incentive equal to 50% of any surplus sharing from the General Risk Investment Account (GRIA) after the end of each financial year.
- Qard: An interest free loan which provided by the takaful operator in the event of deficit in the General Risk Investment Account (GRIA).
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This product covers:
Benefit Benefit Description Sum Covered (RM) A Accidental Death and Permanent Disablement 25,000 B Double Indemnity on Public Holiday 50,000 C Accidental Hospital Income (maximum up to thirty (30) days) 50 per day Notes:
- Please refer to the master certificate wording for full benefits, terms and conditions under this product.
- Duration of cover is for one (1) month. You need to renew your takaful cover monthly.
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You may cancel your Certificate of Takaful by giving a written notice to us provided that you have not made a claim on the Certificate of Takaful. There shall be no return of contribution.
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It is important that you inform us of any change in your contact detail/life profile including nomination, occupation and personal pursuits which would affect your risk profile. You can write to us at the address below or email us at: callcentre@zurich.com.my.