Takaful atau dalam

bahasa Arab KAFALA

yang membawa
maksud saling
menjamin atau saling
menjaga keperluan
seseorang atau tolong
menolong.
Kepentingan
Takaful
 Medical Protection For Loved Ones
Optional Rider

Critical Illness
Waiver of
Protection
Optional Rider Contribution
Optional Rider

Hospital Benefit RM
Accidental Coverage
Optional Rider Optional Rider

PAGE 6|GREAT EASTERN TAKAFUL BERHAD | CONFIDENTIAL & FOR INTERNAL USE ONLY |OCT 2020
 Medical Protection

NEW NEW
Primary Medical Cover: i-Medi Rider (J94-J95) Secondary Medical Cover: i-Medi Ex+ Rider (J108)

• Provides coverage for hospitalisation and surgical expenses • This rider can only be attached with i-Medi Rider
• 2 plans - Room & Board (R&B) limit of RM150 and RM200* • 1 plan only
• Deductible Amount of RM300 and RM500 per disability, • Removes the Deductible Amount of Primary Medical Cover
respectively • Extends the OAL - UNLIMITED
• Overall Annual Limit (OAL) of RM 100,000 and RM • Up to RM 2 million (with no Co-Takaful),
200,000*
• Total expenses exceeding the above limit will be
* The R&B limit will increase RM50 every 5 certificate years (on the 5th subjected to 20% Co-Takaful
certificate anniversary) up to R&B RM300 or RM500 respectively. The Overall
Annual Limit will also increase RM50,000 every 5 certificate years up to
RM300,000 or RM500,000 respectively. Other benefits remained the same.

Eligibility Min Max

Entry Age 14 days attained age 70 years next birthday
Until age 25 or 80 years (consistent with coverage term under the basic plan, with Auto
Coverage Term
Extension option)

Terms and Conditions apply. PAGE 11|GREAT EASTERN TAKAFUL BERHAD | CONFIDENTIAL & FOR INTERNAL USE ONLY |OCT 2020
 NEW
Terms and Conditions apply.
ITEM COVERED BENEFITS LIMITS (RM) ITEM COVERED BENEFITS LIMITS (RM)
PRIMARY MEDICAL COVER T MED150 (J 94) T MED200 (J 95) PRIMARY MEDICAL COVER T MED150 (J 94) T MED200 (J 95)
DEDUCTIBLE AMOUNT Other Benefits
300 500
(per disability for item 1 - 7) 16 Ambulance Fees
As Charged, subject to Annual Limit, Terms
Inpatient Benefit Organ Transplant
17 and Conditions.
Hospital Room and Board* 150 200 (limit to once per lifetime as receiver)
1
(Limit per day, for unlimited number of days) up to 300 up to 500 Daily-Cash Allowance at Malaysian
Intensive Care Unit 18 Government Hospital 150 200
2 (Per day, for unlimited number of days)
(Limit per day, for unlimited number of days)
3 Hospital Supplies and Services 1,000 per eye and maximum of 2,000 per
As Charged, subject to Annual Limit, 19 Intraocular Lens
4 Surgical Fees lifetime
5 Operating Theatre Terms and Conditions. Daily Guardian (for child hospitalization)
6 Anaesthetist Fees 20 (Per day, subject to a maximum of 180 days N/A 200
7 In Hospital Physician Visit (2 visits per day) in a Certificate Year)
UNLIMITED, in accordance with the benefit
Outpatient Benefit 21 Outpatient GP Tele-Consultation
provisions in teleconsultation agreement
Pre-Hospitalisation Diagnostic Tests
8 Supreme Assist
(Within 60 days before hospitalisation) 22 500,000
(Emergency Medical Assistance Services)
Pre-Hospitalisation Specialist
9 1 time for any 1 Covered Condition in any 1
(Within 60 days before hospitalisation)
Post-Hospitalisation Treatment 23 Executive Second Opinion (ESO) Certificate Year, and
10 As Charged, subject to Annual Limit, 3 times in total per Person Covered
(Within 180 days after hospital discharge) Terms and Conditions.
11 Outpatient Day Surgery Service tax and/or other tax(es) incurred on
12 Outpatient Cancer Treatment 24 Malaysian Tax Covered Benefits, for which a claim is
13 Outpatient Kidney Dialysis Treatment payable; not subject to Overall Annual Limit
14 Outpatient Dengue Treatment Overall Limits
Outpatient Emergency Accidental Treatment Overall Annual Limit* for Items (1) to (20) 100,000 200,000
25
15 (Limit per Certificate Year, subject to a 5,000 (OAL) (Based on paid amount) Up to 300,000 Up to 500,000
maximum of 30 days from the date of accident) 26 Overall Lifetime Limit (OLL) No Lifetime limit
* Notes: The Room & Board limit will increase RM 50 every 5 certificate years (on the
PAGE 12|GREAT fifth certificate
EASTERN TAKAFULanniversary) up to R&B 300&(15
BERHAD | CONFIDENTIAL FORyear
th onwards)
INTERNAL USEorONLY
R&B |OCT
500 (30
2020year onwards) respectively. The Overall Annual Limit will also increase
th

RM 50,000 every 5 certificate years (on the fifth certificate anniversary) up to RM 300,000 (20th year onwards) or RM 500,000 (30th year onwards) respectively while other benefits remained the same.
 NEW Terms and Conditions apply.

ITEM COVERED BENEFITS LIMITS (RM)

SECONDARY MEDICAL COVER T MX (J108)

NO DEDUCTIBLE
DEDUCTIBLE AMOUNT
Deductible feature under T MED150 and T MED200 will be automatically
(per disability for item 1 - 7)
removed when T MX is attached.
UNLIMITED
Extended Overall Annual Limit Up to RM2,000,000 – No Co-Takaful
Exceed RM2,000,000 – 20% Co-Takaful will be imposed on the exceeded
amount.

PAGE
13|GREAT
EASTERN
TAKAFUL
BERHAD |
CONFIDE
NTIAL &
FOR
INTERNA
L USE
ONLY
|OCT
 Medical plan(s) that considers your future needs

Example on i-Medi Rider: R&B 150

R&B
R&B Annual Limit of
Annual Limit of
R&B
Annual Limit of Year 21 onwards
R&B
Annual Limit of Year 16 – 20
R&B
Annual Limit of Year 11 – 15
Year 6 - 10
Year 1 - 5

i-Medi ExPlus Rider

PAGE
✓ Converts the plan to NO DEDUCTIBLE 14|GREAT
EASTERN
✓ No Annual Limit (subject to Co-Takaful after RM2 million) TAKAFUL
BERHAD |
CONFIDE
NTIAL &
FOR
INTERNA
L USE
ONLY
|OCT
2020
Critical Illness
Protection

PAGE 17|GREAT EASTERN TAKAFUL BERHAD | CONFIDENTIAL & FOR INTERNAL USE ONLY |OCT 2020
 Critical Illness Protection
NEW NEW
i-Lifetime Critical Illness Benefit Term Rider (LCI) (J89) i-Early Lifetime Critical Illness Benefit Term Rider (ELCI) (J107)

This rider will accelerate the Basic Sum Covered This rider can only be attached if LCI is attached. It will accelerate the
LCI and the Basic Sum Covered. It pays the Rider Sum Covered upon
Age Covered CI Benefit Payout
early onset of listed Critical Illness severity conditions:
Age 1 to 18 years 45 CI 50% of the Rider Sum Covered. • Severity 25: 20% of Rider Sum Covered (10% for Child PC)
(Child Person Covered) + 11 Child No more CI claim will be • Severity 50: 50% of Rider Sum Covered (25% for Child PC)
CI payable until PC becomes adult Age Covered CI Benefit Payout
at 19 years ANB.
Age 1 to 18 years 45 CI Can be multiple payout up to total
Age 19 and above 45 CI 100% of the Rider Sum (Child Person Covered) 50% of Rider Sum Covered
(Adult Person Covered) Covered or the balance of the Age 19 and above 45 CI Can be multiple payout up to 100%
Rider Sum Covered, where (Adult Person Covered) of Rider Sum Covered of the
applicable. balance of the Rider Sum Covered.

Eligibility Min Max

Entry Age 14 days attained age 65 years ANB
Coverage Term Until age 25, or 80 years (consistent with coverage term under the basic plan, with Auto Extension option)
RM10,000 RM2,000,000
Sum Covered
For Child Person Covered, the max Sum Covered is RM1,000,000

Terms and Conditions apply. PAGE 22|GREAT EASTERN TAKAFUL BERHAD | CONFIDENTIAL & FOR INTERNAL USE ONLY |OCT 2020
 i-Lifetime Critical Illness Benefit Term Rider (J107) Terms and Conditions apply.
45 Critical Illness (1 year old and above)
31. Motor Neuron Disease – permanent neurological deficit
1. Alzheimer's Disease/ Severe Dementia 16. Elephantiasis
with persisting clinical symptoms
2. Angioplasty and Other Invasive Treatments for Coronary 17. Encephalitis - resulting in permanent inabilityto
32. Multiple Sclerosis
Artery Disease perform Activities of Daily Living
3. Apallic Syndrome 18. End-Stage Liver Failure 33. Muscular Dystrophy
4. Bacterial Meningitis - resulting in permanent inabilityto 34. Occupationally Acquired Human Immunodeficiency
19. End-Stage Lung Disease
perform Activities of Daily Living Virus (HIV) Infection
5. Benign Brain Tumor - of specifiedseverity 20. Full-Blown AIDS 35. Paralysis of Limbs
36. Parkinson's Disease – resulting in permanent inabilityto
6. Blindness - permanent and irreversible 21. Fulminant Viral Hepatitis
perform Activities of Daily Living
7. Brain Surgery 22. Heart Attack - of specified severity 37. Poliomyelitis
8. Cancer - of specified severity and does not cover very 38. Primary Pulmonary Arterial Hypertension – of specified
23. Heart Valve Surgery
early cancers severity
9. Cardiomyopathy – of specified severity 24. HIV Infection Due to Blood Transfusion 39. Progressive scleroderma
10. Chronic Aplastic Anemia - resulting in PermanentBone
25. Kidney Failure - requiring dialysis or kidney transplant 40. Serious Coronary Artery Disease
Marrow Failure
41. Stroke - resulting in permanent neurological deficitwith
11. Chronic Relapsing Pancreatitis 26. Loss of Independent Existence
persisting clinical symptoms
12. Coma - resulting in permanent neurological deficitwith
27. Loss of Speech 42. Surgery to Aorta
persisting clinical symptoms
28. Major Head Trauma - resulting in permanent inabilityto 43. Systemic Lupus Erythematosus with SevereKidney
13. Coronary Artery By-Pass Surgery
perform Activities of Daily Living Complications
14. Creutzfeldt-Jakob disease (CJD) (Mad Cow Disease) –
29. Major Organ/ Bone Marrow Transplant 44. Terminal Illness
requiring continuous assistance
15. Deafness - permanent and irreversible 30. Medullary Cystic Disease 45. Third Degree Burns - of specified severity

11 Child Specific CI (1 year old – 18 years old)

1. Asthma 5. Epilepsy 9. Nephrotic Syndrome
2. Type 1 Diabetes 6. Glomerulonephritis with Nephrotic Syndrome 10. Cholangitis
3. Kawasaki 7. Intellectual Impairment due to Illnesses orAccident 11. Aplastic Anaemia
4. Juvenile Rheumatoid Arthritis 8. Adolescent Morbid Obesity
PAGE 23|GREAT EASTERN TAKAFUL BERHAD | CONFIDENTIAL & FOR INTERNAL USE ONLY |OCT 2020
 i-Early Lifetime Critical Illness Benefit Term Rider (J89) New and
Improved
▪ Provides specific 45 Early Critical Illness (“CI”) protection according to Severity

Item List of Core Critical Illnesses (CI) Severity 25 Severity 50 Item List of Core Critical Illnesses (CI) Severity 25 Severity 50
Adult Person Covered Payout 20% Payout 50% Adult Person Covered Payout 20% Payout 50%
Child Person Covered Payout 10% Payout 25% Child Person Covered Payout 10% Payout 25%
1. Alzheimer's Disease/ Severe Dementia √ √ 25. Loss of Independent Existence √ √
2. Angioplasty and Other Invasive Treatmentsfor 26. Loss of Speech √ √
NA NA
Coronary Artery Disease
27. End-Stage Lung Disease √ √
3. Apallic Syndrome √ √
28. Major Head Trauma √ √
4. Bacterial Meningitis √ √
5. Benign Brain Tumor √ NA 29.. Major Organ/ Bone Marrow Transplant √ √
6. Blindness √ √ 30. Medullary Cystic Disease √ √
7. Brain Surgery √ √ 31. Motor Neuron Disease √ √
8. Cancer √ √ 32. Multiple Sclerosis √ √
9. Cardiomyopathy √ √ 33. Muscular Dystrophy √ √
10. Chronic Aplastic Anemia √ √ 34. Occupationally Acquired Human
11. Chronic Relapsing Pancreatitis √ √ NA NA
Immunodeficiency Virus (HIV) Infection
12. Coma √ √ 35. Paralysis of Limbs √ √
13 Coronary Artery By-Pass Surgery √ NA 36. Parkinson's Disease √ √
14 Creutzfeldt-Jakob disease (CJD) (Mad Cow Disease) √ √ 37. Poliomyelitis √ √
15. Deafness √ √
38. Primary Pulmonary Arterial Hypertension √ √
16. Elephantiasis √ √
39. Progressive scleroderma NA √
17. Encephalitis √ √
40. Serious Coronary Artery Disease √ √
18. Full-Blown AIDS √ NA
19. Fulminant Viral Hepatitis √ √ 41. Stroke √ √
20. Heart Attack √ √ 42. Surgery to Aorta √ NA
21. Heart Valve Surgery √ √ 43. Systemic Lupus Erythematosus with SevereKidney
√ √
22. HIV Infection Due to BloodTransfusion NA √ Complications
23. Kidney Failure √ √ 44. Terminal Illness NA NA
24. End-Stage Liver Failure √ √ 45. Third Degree Burns √ √

Note: This is for illustration purpose only. Please

refer to the certificate for more details. T&Capply.
Terms and Conditions apply.
PAGE 24|GREAT EASTERN TAKAFUL BERHAD | CONFIDENTIAL & FOR INTERNAL USE ONLY |OCT 2020
Hospital Benefit RM

PAGE 28|GREAT EASTERN TAKAFUL BERHAD | CONFIDENTIAL & FOR INTERNAL USE ONLY |OCT 2020
 RM Hospital Benefit

i-Hospitalisation Benefits Term Rider (HB) (J96)

Admission in normal ward: Daily cash benefit is payable for each day
Benefits Admission in Intensive Care Unit (ICU): 2x daily cash benefit is payable for each day
subject to a maximum of 150 days in a certificate year and an overall lifetime limit of 500 days
Age Next Birthday Percentage (%) of Daily Cash Benefit
(upon claim event) Normal Ward Intensive Care Unit
1 50% 100%
2 75% 150%
3 - onwards 100% 200%

Eligibility Min Max

Entry Age 14 days attained age 65 years ANB
Coverage Term Until age 25, or 80 years (consistent with coverage term under the basic plan, with Auto Extension option)
RM 50 Daily Cash Benefit RM 500 Daily Cash Benefit
Hospital Benefit Limit
The Hospital Benefit Limit can be increased or decreased in multiple of RM50

Terms and Conditions apply. PAGE 30|GREAT EASTERN TAKAFUL BERHAD | CONFIDENTIAL & FOR INTERNAL USE ONLY |OCT 2020
 Accidental Coverage

PAGE 31|GREAT EASTERN TAKAFUL BERHAD | CONFIDENTIAL & FOR INTERNAL USE ONLY |OCT 2020
 Accidental Coverage

i-Comprehensive Accident Benefits Xtra Term Rider (i-CABX) (J97)

Accidental
1 x RSC Eligibility Min Max
5% of RSC annually, Death Entry Age 17 years ANB 60 years ANB
up to 50% Accidental 2 x RSC
Increase in Death on
Sum Covered Public Coverage Until age 70 years ANB or expiry of
Conveyance Term Basic Plan
1 x RSC
Compassionate Rider Sum RM 10,000 Lower of RM 1mil
Accidental
Allowance Covered or 5 x Basic Sum
TPD
5% of RSC, (RSC) Covered
up to RM 5,000 i-CABX Notes: Subject to underwriting. RM1million per person covered, cut
Confined in
Accidental across all PA plans.
Malaysian
Government Injury % of RSC
Weekly Hospital
Indemnity
RM 7.50 per RM Reimbursement Temporary
1,000 RSC of Medical Total Weekly Indemnity
Expenses RM 7.50 per RM
Temporary Disability
1,000 RSC
RM 25 per Partial
Weekly Indemnity
RM 1,000 RSC, max RM Disability
RM 1.75 per RM
3,000 per Accident 1,000 RSC
Terms and Conditions apply.
 A=BSC
(A/1000) X 7.5
EXAMPLE:
A= RM100,000

(RM100,000/1000) X 7.5
=RM750
 Accidental
Injury

Covered Event Amount Payable Covered Event Amount Payable

Total loss of sight of both eyes 100% Total loss of the lens of one eye 50%
Total loss of sight of one eye 100% Loss of or total loss of use of four fingers and thumb 70%
Loss of or total loss of use of two limbs 100% Loss of or total loss of use of four fingers 40%
Loss of or total loss of use of one limb Loss of or total loss of use of one thumb
100% Both phalanges 30%
One phalanx 15%
Total loss of speech and hearing Loss of or total loss of use of fingers
Three phalanges 10%
100%
Two phalanges 7.5%
One phalanx 5%
Total paralysis Loss of or total loss of use of toes
All – one foot 15%
100% Great toe – two phalanges 5%
Great toe – one phalanx 3%
Any other toe, each 2%
PAGE
Total loss of hearing Fractured leg or patella with established non-union after 26 weeks 10%34|GREAT
Both ears 75% from the date of accident EASTERN
TAKAFUL
One year 25% BERHAD |
CONFIDE
Total loss of speech 50% Shortening of leg by at least 5 cm 7.5%NTIAL &
FOR
INTERNA
L USE
ONLY
Terms and Conditions apply. |OCT
Waiver of
Contribution

PAGE
35|GREAT
EASTERN
TAKAFUL
BERHAD |
CONFIDE
NTIAL &
FOR
INTERNA
L USE
ONLY
|OCT
 Waiver of Contribution Terms and Conditions apply.

i-Provider Plus Term Rider (iPP) (J99) i-Contributor Benefit Plus Term Rider (iCBP) (J89)

• Provides coverage on the life of the Person Covered • Provides coverage on the life of the Participant
• Cover Event: • Cover Event:
• Upon diagnosis of any one of the 44 CI1, or • Upon diagnosis of any one of the 44 CI1, or
• Upon TPD2 • Upon TPD2, or
• This Rider will pay future Contributions3 (Contributions • Upon Death
of Basic and applicable attachable Riders) which will be • This Rider will pay the future Contributions3
payable from the Tabarru’ Fund. (Contributions of Basic and applicable attachable Riders)
which will be payable from the Tabarru’ Fund.
1 44 Critical Illnesses (Angioplasty and Other Invasive Treatments for Coronary Artery Disease is excluded).
2 before age 70 years next birthday
3 beginning
from the next Contribution due date immediately following the occurrence of such event up to and including the contribution due date
immediately preceding the expiry date of this rider, depend on basic plan the rider attached to.

Eligibility Min Max

PAGE
37|GREAT
Entry Age 14 days attained age 65 years ANB EASTERN
TAKAFUL
Coverage Term 5 years Until age 25, or 80 years (consistent with
BERHAD |
CONFIDE
Contribution payment term of the basic plan)
NTIAL &
FOR
INTERNA
Rider Sum Covered The total Annual Contribution to be waived (Basic Contribution + Riders’ Contribution) L USE
ONLY
|OCT
2020
 SUM OCCUPATI SMOKING Modal Min
CONTRIBUTION ENTRY AGE GENDER TERM
RM 50
✓
COVERED ON STATUS
CONDITIONS
OTHER TERMS & Increase in Sum Covered at
anytime subject to max amount ✓ Decrease in Sum Covered at
anytime subject to min amount

✓ Free Look within 15 days

delivery of Certificate ✓ From date of lapsing
Reinstatement within 3 years

✓ ✓
Replacement of Certificate Assignment & Nomination
subject to ROC guidelines

✓ 3rd Party Certificate

Participant must be 19 ANB ✓ Subject to terms and conditions
Partial Withdrawal (PIA)

✓ ✓
Backdating PAGE
45|GREAT
Surrender Value (CV) EASTERN
Up to 6 months TAKAFUL
BERHAD |

X
CONFIDE
NTIAL &
Contribution Top Up FOR
INTERNA
L USE
ONLY
|OCT
 Upfront Charge will be deducted from PIA. It consists of:
Upfront
▪ distribution costs including agent’s commission, and
Charge
▪ management expenses including Stamp Duty of RM10.

▪ Tabarru’ will be dripped on monthly basis from PIA into the

Tabarru’ Tabarru’ Fund.
PAGE
▪ Will increase according to attained age. 46|GREAT
EASTERN
TAKAFUL
BERHAD |
CONFIDE
NTIAL &
FOR
INTERNA
L USE
ONLY
|OCT
 Monthly Quarterly Half Yearly Yearly

DDA DDA DDA DDA

Giro & Credit Card Giro & Credit Card Giro & Credit Card Giro & Credit Card

CIMB Clicks CIMB Clicks CIMB Clicks CIMB Clicks

Maybank2u Maybank2u Maybank2u Maybank2u

Biro Angkasa PAGE

(BPA) 47|GREAT
EASTERN
TAKAFUL
BERHAD |
CONFIDE
NTIAL &
FOR
INTERNA
L USE
ONLY
|OCT
2020
 1. COMPREHENSIVE 3. WITH LOVE 5. COVERAGE
Various Optional Riders to choose from: Compassionate With Sum Covered
Medical: Medi / Medi Ex+ / HB Benefit of RM2,000 starting from RM 15,000
payable upon And NML up to RM
Critical Illness: LCI / ELCI
submission of proof 1Mill.
Accidental Coverage: CABX of death of the
w Waiver: PP / CBP Person Covered

2. KEY PROTECTION 4. FOR ALL 6. OPTIONS

Suitable for all stages of life; Maturity • Waqaf
Provides protection upon
at age • Badal Hajj
death / TPD of the Person
• 25 years ANB, • Debt Settlement
Covered. Entry Age from
• 80 years ANB, or • Hibah for Family
14 days to 70 years old
• 100 years ANB (Auto-Extension) • Hibah for Charity
ANB.

Terms and Conditions apply.

PAGE 64|GREAT EASTERN TAKAFUL BERHAD | CONFIDENTIAL & FOR INTERNAL USE ONLY |OCT 2020
 HOW TO USE
MEDICAL CARD
• PRE EXISTING ILLNESS
• SPECIFIED ILLNESS WITHIN 120 DAYS
• FERTILITY
• DENTAL
• PLASTIC/ COSMETIC SURGERY
• CONGENITAL CONDITION
• PREGNANCY, CHILD BIRTH
• SUICIDE
• PRIVATE NURSING, ILLEGAL DRUG, AIDS, HIV
• WAR
• DONATIONS OF ANY BODY
• GENDER CHANGE
• ILNESS CAUSE BY MOSQUITOES, WORM AND ALLERGIC REACTION DURING
THE WAITING PERIOD
PANEL HOSPITAL GETB
SUPREME ASSIST
QUOTATION A
QUOTATION B
CASH VALUE TABLE