Content

Training Slide
i-Great INSPIRASI
“Inspiring Malaysian to Get Protected”
Prepared by: Product Development Team
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No part of this publication may be reproduced, translated, stored in a retrieval system, or transmitted, on any form or by
any means, electronic, mechanical, photocopying, recording, or otherwise, without the prior written permission of
GREAT EASTERN TAKAFUL BERHAD, the developer and copyright owner
DISCLAIMER
This power-point presentation is purely a training tool for internal agency
training programmes of Great Eastern Takaful Berhad. All or any part of the
contents of this presentation shall not be used directly or indirectly for
soliciting Takaful business, participant services and/or facilitating any other form
of communications with any external party whatsoever.
The information given in the slides is not exhaustive. For more details, please
refer to certificate document, benefit illustration, product disclosure sheet,
brochure and product write-up.
This information is correct as at 13 FEB 2022.

FOR INTERNAL AGENCY CIRCULATION PURPOSES ONLY.
PAGE 2|GREAT EASTERN TAKAFUL BERHAD | CONFIDENTIAL & FOR INTERNAL USE ONLY |FEB 2022
What happened in Malaysia in 2021?
Malaysia’s Crises
Fiscal deficit
widen
Inflation
Recession
Pandemic crisis
Political crisis
The great floods
There is one similar thing that is affected by
each of the following crises - FINANCIAL
Falling of comsumption1
Business go bankrupt
Unemployment rate rises
The Malaysian economy has declined by 4.5% in the third quarter 2021
Note:
1 The purchasing power/consumer spending decreased.
Source:
Economic and Financial Developmenet (2021) -https://www.bnm.gov.my/-/3q-gdp-2021
Who are the most affected by this
financial impact?
Malaysia’s youth face some of the
bleakest economic prospects
YOUTH.. As the clouds of economic crisis darken, Malaysia’s 9.5 million
strong youth population head into a recession with fairly bleak
prospects
Median monthly salaries & wages in 2020

decrease 15.6%
53% of young working adults lacked the

financial resilience to cover three months’
worth of expenses if retrenched
Housing prices are increasing
Source:
Graduate Statistics 2020 - https://www.dosm.gov.my/v1/index.php?r=column/cthemeByCat&cat=476&bul_id=U1ltVWpwNXRNRUR2NlhRSHZmenRMUT09&menu_id=Tm8zcnRjdVRNWWlpWjRlbmtlaDk1UT09
Financial Literacy a vital asset, 2021 - https://www.nst.com.my/opinion/letters/2021/11/743961/financial-literacy-vital-asset
But…
First step in wealth management is

As a Youth, you starting to live on Your wealth protection
Own and you will need to start &
First step in wealth protection is life
BUDGETING protection
One of the best way to getting ahead

financially is by using 50/30/20 Rule
With life protection, you are able to focus on

the important things in life, because it will
ensure financial security for you and your
family should anything unfortunate happens
The moment you receive your

first paycheck is the best time
to start building your health
and life protection.
The sooner, the better!
Source: Graduate Salary in Malaysia, 2021 - https://jobmajestic.com/blog/en/career-insights/fresh-graduate-salary-in-malaysia/

So, how much should you spend on
your Protection per month?
According to financial planners, your protection contribution
should be around 6% - 10% of your income.
Protection coverage needs, RM2,414 x 12 x 5

according to Rule of Thumb
= RM144,840
5 x Annual Income
Average fresh graduate salary for single person
in Malaysia is approximately
RM2,414 per month.
6% of RM2,414 is
around RM150
Where can you get a Protection

coverage of about RM150k at just
RM150 contribution a month??
Source: Graduate Salary in Malaysia, 2021 - https://jobmajestic.com/blog/en/career-insights/fresh-graduate-salary-in-malaysia/

INTRODUCING OUR NEW PLAN..
i-GREAT INSPIRASI
“Inspiring Malaysians to Get Protected”
Key Highlights:
Available from Age 14 Basic Sum Covered from

days to 65 years old RM100k to RM200k
Coverage of up to 4x Sum
Covered
Accidental death due to Outpatient Teleconsultation

Mosquito-borne disease Services
Simplified Underwriting
Supreme Assist
(SIO)
How This Plan Works? Inspirasi #1
Accidental Death Coverage

Get up to 4x on your Basic Sum Covered in the
event of Accidental Death as listed below: RM100k BSC RM200k BSC
Basic Sum
For Non-Accidental Death or TPD RM100k RM200k
Covered
Additional Additional Additional

For Accidental Death in Malaysia
100% of BSC RM100k RM200k
Upon
• For Public Conveyance Accidental Death in
Death, the Malaysia
amount Additional • For Elevator or Electric Lift Accidental Death in Additional Additional
200% of BSC Malaysia RM200k RM400k
payable… • For Accidental Fire Death in hotel or public
buildings in Malaysia
Additional Additional Additional

For Outside Malaysia Accidental Death RM300k RM600k
300% of BSC (min(RM1mil,RM300k)) (min(RM1mil,RM600k))
Note: The benefits payable under Additional Accidental Death Benefit shall be capped at a limit of RM1mil per Person Covered
PAGE 11|GREAT EASTERN TAKAFUL BERHAD | CONFIDENTIAL & FOR INTERNAL USE ONLY |FEB 2022 This is for illustration purposes only.
Terms and Conditions apply.
Death Benefit due to Mosquito-Borne Disease
Malaysia recorded Malaysia was 3rd highest

145 deaths due to number of deaths due to
dengue in 2020 dengue in Southern Asian in
20% decrease from year 2019 2019
Mosquitoes are the

deadliest animal
on earth causing more
deaths compared to any
No 1 deadliest animal other animals
Source:
Dengue Fever Cases, 2020 - https://web15.bernama.com/en/general/news.php?id=2048223
Dengue Fever Statistics, 2019 - https://www.prudential.com.my/en/we-do-pulse/all-stories/dengue-fever-statistics-and-key-facts/
PAGE 12|GREAT EASTERN TAKAFUL BERHAD | CONFIDENTIAL
Most Dangerous Animals, 2020 https://www.cntraveler.com/stories/2016-06-21/the-10-most-dangerous-animals-in-the-world
& FOR INTERNAL USE ONLY |FEB 2022
Death Benefit due to Mosquito-Borne Disease
Upon death of the Person Covered due to any of the following Mosquito-borne
disease, additional 100% of BSC will be payable.
Upon death due to any

of the following: Your family gets
additional
 Dengue Hemorrhagic
RM100,000
Fever
 Malaria On top of the Death
 Chikungunya Benefit payable
If you participate in  Japanese
i-Great Inspirasi Encephalitis
with RM100,000  Zika Virus
Sum Covered.
24,589
Infectious Diseases Benefit (ID) +10%
Dengue cases
22,101 in one month
Nov21 Dec21
Malaysia
Upon occurrence of any

one of the listed ID: You will get
 Dengue RM5,000
 Malaria
 Yellow-Fever Without accelerating
 MERS-COV your BSC!
If you participate in
i-Great Inspirasi
regardless of the
amount of Basic Note:
Sum Covered. 1) ID Benefit will be terminated upon payment of RM5,000 per claim
2) A waiting period of 90 days applies
3) Payable once per Person Covered
Source: Dengue Worldwide, 2022 - https://www.ecdc.europa.eu/en/dengue-monthly
Outpatient Teleconsultation Services &

Supreme Assist
He ate all the variety of
Aliff loves to travel. After the Thailand’s street foods,
borders between Malaysia- Cost-effective
non-stop! He had
Thailand is open to travel, he
stomachache and
took time-off to travel to Easier & Faster
Thailand for a holiday. vomited many
times.
Better experience
Instead of going to the nearest clinic because due to

language barrier, he chose to consult a Malaysian’s
doctor on what to do just by using his phone.
i-GREAT
INSPIRASI
INSPIRED
TO Min Sum
INSPIRE Covered
reduced to
RM50,000
GET IT NOW! The only company that offered CI and HB benefits

together with Simplified Underwriting (SIO)
CANCER
is the #1
Critical Illness Benefit (CI) CAUSE of CI
Upon the Person Covered being diagnosed of any one of the 5 listed CI, the CI CLAIM in
Benefit, equivalent to 50% of the BSC, will be payable. MALAYSIA 7,000 new patients
NEED DIALYSIS
every year - costing
RM3,000 monthly
Upon diagnosed of any

one of the listed CI: You can claim
RM50,000 to
 Cancer undergo the
 Heart Attack
medical treatment
 Coronary
 Stroke
If you participate in  Kidney Failure Without accelerating your
i-Great Inspirasi
Death/TPD Benefit!
with RM100,000
Sum Covered.
Note: The Takaful Certificate will remain inforce and only the CI Benefit
will be terminated upon payment of the CI Benefit.
Sources: GETB Inforce Data (CI Basic and Rider) up till June 2019, Claims data 2011 till June 2019, by no of claim incidents, iMoney –Are Malaysians A Heart Attack
Away From Bankruptcy?, National Cardiovascular Database Annual Report, www.world-stroke.org., iMoney May 2016, GETB Claims Data on average claims payable
PAGE(2011 - June 2019). https://www.nst.com.my/lifestyle/heal/2019/03/473745/new-benchmark-kidney-care, Insights From Gen Re’s Dread Disease Survey,
17|GREAT EASTERN TAKAFUL BERHAD | CONFIDENTIAL & FOR INTERNAL USE ONLY |FEB 2022 This is for illustration purposes only.
http://www.genre.com/knowledge/publications/ri19-6-en.html on May 2019, https://clinicalresearch.my/new-affordable-hepatitis-c-combincation-treatment-shows-
Terms and Conditions apply. 97-cure-rate, https://www.thestar.com.my/news/community/2014/06/24/costly-treatments-government-spends-rm2bill-annually-to-treat-smokingrelated-diseases
Hospitalisation Benefit (HB)

If you are being admitted to the hospital due to
illness or accidental injury, you will get daily
income under Hospitalisation Benefit according Pays a fixed amount for each
to the number of days you are hospitalised.
day you are warded for treatment
or surgery
A waiting period of 30 days for

illnesses
Maximum 30 days per Certificate

Year, with NO overall lifetime limit
RM50/day
Note: The annual limit of 30 days will be renewed in the next certificate anniversary
The ANSWER to the previous question
Sum Covered of RM 100,000
Monthly Contribution
The ideal protection
plan for those who
Male Male Female Female
Age Group are looking for a
Non Smoker Smoker Non Smoker Smoker
comprehensive
1-5 57 57 53 53
coverage with
6 - 10 29 29 24 24
Still affordable
11 - 15 27 27 22 22
16 - 20 34 35 26 27 contribution as their
below
21 - 25 49 52 34 36 first coverage!
RM150!
26 - 30 54 60 40 44
31 - 35 60 68 47 53
36 - 40 70 84 61 73
41 - 45 79 105 68 86
46 - 50 88 137 72 97
51 - 55 127 200 94 132
56 - 60 180 288 127 185
61 - 65 259 410 162 245
66 – 70* 379 589 235 365
71 – 75* 543 804 358 553
76 – 80* 771 1073 566 830
81 – 84* 1220 1599 918 1235
*Renewal only
Don’t worry.
This plan
It is a real hassle answer the comes with
long list of medical SIO feature.
questions and having to go
for a medical exam or
request for medical report. I
do not have time for this!
You just need to
answer 5 to 6 simple
Questions during the
What is application without
the SIO medical examination!
feature? It’s couldn’t be
easier.
Detailed Features
& Benefits
Takaful Model - Wakalah Mudharabah Ju’alah
All benefits will be payable

PAGEfrom Tabarru’
22|GREAT Fund
EASTERN TAKAFUL BERHAD | CONFIDENTIAL & FOR INTERNAL USE ONLY |FEB 2022
BENEFIT (1) – DEATH AND TPD BENEFIT
DEATH
Total and Permanent

Disability (TPD) TPD
Coverage Expiry Coverage Expiry

Coverage UNFORTUNATE TPD 75 ANB Death 85 ANB
Begins EVENT
DEATH BENEFIT
= BASIC SUM COVERED
TPD BENEFIT
= BASIC SUM COVERED
BENEFIT (2) – ACCIDENTAL DEATH BENEFIT
Upon death of the Person Covered due to Accidental causes prior to the certificate anniversary on which the
Person Covered attains age 70 years next birthday, the following shall be payable on top of the Death Benefit
(due to all causes), if the accident happens:
In Malaysia Additional 100% of BSC

In Malaysia caused by the following events: -
i. while travelling as a passenger in Public Conveyance; or

ii. riding as a passenger in an elevator or electric lift (elevator or electric lift in mines or Additional 200% of BSC
in a building under construction is excluded); or
iii. in consequence of the burning of any hotel or other public buildings (except theatre or
cinema) in which the Person Covered shall be present at the time of commencement
of the fire.
outside of Malaysia Additional 300% of BSC
• The above benefits will be subjected to Child Lien.

• The benefits payable under Additional Accidental Death Benefit shall be capped at a limit of RM1mil per
Person Covered.
BENEFIT (3) – DEATH BENEFIT DUE TO
MOSQUITO-BORNE DISEASE
Upon death of the Person Covered within 30 days of the definite diagnosis of any of the following
Mosquito Borne Disease: -
i. Dengue Hemorrhagic Fever
ii. Malaria
iii. Chikungunya
iv. Japanese Encephalitis
v. Zika Virus
additional 100% of BSC will be payable from Tabarru’ Fund on top of the Death Benefit payable.
Notification of death must be accompanied by satisfactory documentary evidence of the definite

diagnosis of the covered disease confirmed with a positive serologic test (RT-PCR) result and certified
in Malaysia by the Specialist in the relevant field and death resulting from the covered disease.
The Additional Death Benefit Due to Mosquito-Borne Diseases payable will be subjected to Child Lien.
BENEFIT (4) – INFECTIOUS DISEASES BENEFIT (ID)
1) Upon occurrence of any one of the listed ID on the Person Covered, ID Benefit of RM 5,000 (payable once
per Person Covered) will be payable from the Tabarru’ Fund.
2) ID Benefit will be terminated upon payment of RM5,000 per claim.
3) A waiting period of 90 days applies.
4) This benefits will not accelerate BSC.
Descriptions of each benefits are as follows:

Severe Dengue Hemorrhagic Fever requiring the admission into an ICU. The condition must be severe to have reached at least
Dengue Hemorrhagic
Stage 3 Dengue Hemorrhagic Fever, based on World Health Organization case definition, with unequivocal evidence of the Dengue
Fever
Shock Syndrome and confirmation of dengue infection, with confirmatory serological testing of dengue.
The definite diagnosis of Malaria must be confirmed with light microscopy with a parasitaemia of ≥ 100,000 parasites/mL of blood and
Malaria
certified in Malaysia by the Specialist in the relevant field and requiring hospitalisation for at least twenty four (24) hours.
An acute infectious viral disease, characterised by a bimodal fever pattern and in severe cases by protein excretion in the urine,
Yellow Fever
jaundice, haemorrhagic, vomiting and haemorrhagic diathesis which requiring the admission into hospital.
In the presence of active respiratory symptoms and definitive diagnosis of MERS-CoV as confirmed by the following validated test in
a reference laboratory and certified by an Infectious Disease Specialist and requiring hospitalisation for at least twenty-four (24)
hours. A positive detection of MERS CoV RNA via reverse-transcription polymerase chain reaction (RT-PCR) assay validated by the
MERS-COV
CDC, with confirmation in a reference laboratory, from:
(a) At least two specific genomic targets, or
(b) A single positive target with sequencing of a second target.
BENEFIT (5) – OUTPATIENT TELECONSULTATION
SERVICES
Person Covered will receive an unlimited health consultation services through

appointed GETB service provider (service provider can vary by agreement from time
to time) via tele-conversation, video-call or text message.
This benefit is not on reimbursement basis. Person Covered will receive an email
from service provider that provides account and login details and how to use the
services.
The Outpatient Teleconsultation is not catered for Medical Emergencies. If the

Person Covered (and/or you) have an accident or medical emergency, please
contact the local emergency number.
A 30-days waiting period shall apply to this benefit.
BENEFIT (6) – SUPREME ASSIST (EMERGENCY
MEDICAL ASSISTANCE SERVICES)
We have arranged with Supreme Assist to provide Overseas and Domestic Emergency Medical Assistance
Services. The membership card will be issued to the Person Covered which shall be used as means of
verification of eligibility for the Emergency Medical Assistance Services.
Overseas Emergency Medical Assistance Domestic Emergency Medical Assistance
The Person Covered may call Supreme Assist from anywhere in the world to The following services are applicable to the Person Covered within Malaysia
obtain the assistance or services. The following services are applicable to the but outside his state of residence in Malaysia:
Person Covered who is traveling outside Malaysia for a period not exceeding a) Emergency Message Transmission
120 consecutive days on any one trip. b) Medical Service Provider Referral
a) Travel Insurance The following services are applicable to the Person Covered traveling outside
b) International Medical Assistance his state of residence in Malaysia for a period not exceeding 120 consecutive
Emergency Message Transmission, Telephone Medical Advice, Medical days for any one trip:
Service Provider Referral, Arrangement of Appointments with Doctors, a) Arrangement and Payment of Emergency Medical Evacuation
Arrangement for Hospital Admission, Arrangement of Hotel b) Arrangement and Payment of Emergency Medical Repatriation
Accommodation, Arrangement and Payment of Emergency Medical c) Arrangement for Hospital Admission
Evacuation, Arrangement and Payment of Emergency Medical
Repatriation, Arrangement and Payment of Repatriation of Mortal
Remains, Arrangement and Payment of Compassionate Visit for a
relative or friend, Arrangement and Payment of Return of up to three
minor children, if such child or children is or are left unattended.
The maximum amount payable by the Takaful Operator in respect of this benefit on the same Person Covered is limited to RM500,000.
BENEFIT (7) – CRITICAL ILLNESS BENEFIT (CI)
1) Upon the Person Covered being diagnosed of any one of the 5 listed CI, the CI Benefit, equivalent to
50% of the Basic Sum Covered, will be payable from the Tabarru’ Fund.
2) The CI Benefit will not accelerate the Death/TPD Benefit, and the Takaful Certificate will remain inforce
and only the CI Benefit will be terminated upon payment of the CI Benefit.
Descriptions of each benefits are as follows:

Any malignant tumour positively diagnosed with histological confirmation and characterized by the uncontrolled
growth of malignant cells and invasion of tissue. The term malignant tumour includes leukaemia, lymphoma and
sarcoma.
For the above definition, the following are not covered:

(i) all cancers which are histological classified as any of the following:
(a) pre-malignant;
“Cancer – of specified severity and (b) non-invasive;
(c) carcinoma in situ;
does not cover very early cancers”
(d) having borderline malignancy;
(e) having malignant potential;
(ii) all tumours of the prostate histologically classified as T1N0M0 (TNM classification);
(iii) all tumours of the thyroid histologically classified as T1N0M0 (TNM classification);
(iv) all tumours of the urinary bladder histologically classified as T1N0M0 (TNM classification);
(v) chronic Lymphocytic Leukemia less than RAI Stage 3;
(vi) all cancers in the presence of HIV; and
(vii) any skin cancer other than malignant melanoma;
Death of heart muscle, due to inadequate blood supply, that has resulted in all of the following evidence of acute myocardial infarction:
(i) a history of typical chest pain;

(ii) new characteristic electrocardiographic changes; with the development of any of the following: ST elevation or depression, T wave
BENEFIT (4) – CRITICAL ILLNESS BENEFIT (CI)
inversion, pathological Q waves or left bundle branch block; and
(iii) elevation of the cardiac biomarkers, inclusive of CPK-MB above the generally accepted normal laboratory levels or Troponins recorded
“Heart Attack – of at the following levels or higher:
specified severity” a) Cardiac Troponin T or Cardiac Troponin I > / = 0.5 ng/ml
The evidence must show the occurrence of a definite acute myocardial infarction which should be confirmed by a cardiologist or physician.

 occurrence of an acute coronary syndrome including but not limited to unstable angina; and
 a rise in cardiac biomarkers resulting from a percutaneous procedure for coronary artery disease.
Refers to the actual undergoing of open-chest surgery to correct or treat Coronary Artery Disease (CAD) by way of coronary artery by-pass
grafting.
“Coronary Artery By-
Pass Surgery”
(i) angioplasty;
(ii) other intra-arterial or catheter based techniques;
(iii) keyhole procedures; and
(iv) laser procedures.
Death of brain tissue due to inadequate blood supply, bleeding within the skull or embolization from an extra cranial source resulting in
permanent neurological deficit with persisting clinical symptoms. The diagnosis must be based on changes seen in a CT scan or MRI and
“Stroke – resulting in certified by a neurologist. A minimum Assessment Period of three (3) months applies.
permanent neurological For the above definition, the following are not covered:
deficit with persisting (i) transient ischemic attacks;
clinical symptoms” (ii) cerebral symptoms due to migraine;
(iii) traumatic injury to brain tissue or blood vessels; and
(iv) vascular disease affecting the eye or optic nerve or vestibular functions.
“Kidney Failure –
End-stage kidney failure presenting as chronic irreversible failure of both kidneys to function, as a result of which regular dialysis is initiated
requiring dialysis or
or kidney transplantation is carried out.
kidney transplant”
BENEFIT (8) – HOSPITALISATION BENEFIT
1) Upon hospitalisation of the Person Covered due to illness (subject

to 30 days waiting period) or accidental injury, the Daily Income of
the HB Benefit, which equivalent to RM50 a day will be payable
from the Tabarru’ Fund for each day of admission in normal or
Intensive Care Unit ward.
2) The Daily Income of the HB Benefit is payable up to a maximum of
30 days per Certificate Year with no overall lifetime limit.
3) The annual limit of 30 days will be renewed in the next certificate
anniversary.
ELIGIBILITY
Item Description
Minimum: 14 days
Entry Age (Age Next Birthday)
Maximum: 65 years old
Death till age 85 ANB

Coverage Term
TPD till age 75 ANB
Payment Term Full pay; equals to the Coverage term
Minimum: RM100,000 (multiple of 50k), RM50,000 only available until 31 March 2022
Basic Sum Covered
Maximum: RM200,000
Multiple Certificate Not Allowed
Simplified Issue Offer (SIO). Accept or Reject basis.

Underwriting Requirement
CONTRIBUTION DETAILS
Item Description
Currency Ringgit Malaysia
Single/Regular Contribution Regular. Payment up to maturity.
Contribution Amount Contribution shall be Step Up throughout the coverage term.
Contribution Payment Mode This is an annual contribution plan but it can also be participated with half-yearly, quarterly or monthly
and Modal Factor contribution installments.
Backdating Allowed, subject to the following:
• No backdating for more than 6 months from the certificate issue date
• No backdating to any time before the product launch date
• Participant will need to back pay all contributions since the backdating date
• All Upfront charges since the backdating date will be deducted, as commissions will be payable to
agents. Tabarru’ is not applicable before the Effective Date.
Contribution Payment Method • GIRO, DDA, Banker’s Order and credit card are allowed for all modes of contribution payments.
• Cheque is allowed for yearly, half-yearly and quarterly modes ONLY.
• Biro Perkhidmatan Angkasa is allowed for monthly mode only.
CERTIFICATE SERVICING
Item Description
Free Look Period Applicable. Participant is allowed to cancel the certificate within 15 days.
Increase of Contribution/Sum Allowed. Based on SC in multiple of RM50k and 50% of BSC for CI sum covered subject to the following conditions:
Covered a. Increase in basic Contribution/Sum Covered will take effect from the next Contribution due date.
b. Subject to the maximum Sum Covered allowed.
The CI sum covered will be adjusted accordingly based on revised basic sum covered amount.
Partial Withdrawal Not Applicable
Surrender Upon surrender of the certificate, the following shall be payable:
a) Unearned wakalah fee from Operator’s fund, and
b) Unexpired Tabarru' from Tabarru’ fund
Reinstatement Allowed within 12 months from the date of lapsing.
Assignment Allowed. Can be done to:

• Collateral
• Individual (for Charity / Individual)
Assignee shall receive the % (of the Sum Covered + Account Value) assigned as indicated in the latest form filled by the
Participant.
Nomination Allowed.
• Hibah For family,
• Wasi / Executor
Badal Hajj and Waqaf Payment of Badal Hajj and Waqaf is deducted from Total Contribution Paid plus 100% Single Contribution Top Up
EXCLUSION
Item
Death Benefit
Suicide whether sane or insane, within one (1) year from the effective date or reinstatement date, whichever is later.
Accidental Death Benefit

• suicide, attempted suicide or self-inflicted injuries, while sane or insane;
• bodily infirmity, or mental or functional disorder, or illness or disease of any kind, or any infections, other than infections occurring simultaneously with and in
consequences of an accidental cut or wound;
• war or any act of war, declared or undeclared, criminal activities, active duty in any armed forces, direct participation in strike, riots and civil commotion or
insurrection; or
• from the action of any armed forces, or from Accident or violence arising by reason of the existence of a state or armed conflict.
TPD Benefit
• self-inflicted bodily injuries while sane or insane.
• caused by bodily injury sustained as a result of parachuting or skydiving, or engaging in aerial flights other than as a crew member or as a fare-paying
passenger of a licensed commercial airline operating on a regular scheduled route; or
• TPD that has existed prior to or on the effective date or reinstatement date of this Certificate, whichever is later.
CI Benefit
• caused directly or indirectly by a self-inflicted injury; or
• Diagnosed due, directly or indirectly, to a congenital defect or disease, which was manifested or was diagnosed before the Person Covered attains seventeen
(17) years of age; or
• Diagnosed, and the Person Covered survives less than seven (7) days after the day of diagnosis.
Note: This list is non-exhaustive. Please refer to the certificate for the full list of exclusions under this plan.
EXCLUSION (CONT)
Item
HB Benefit
• suicide, attempted suicide or self-inflicted injuries, while sane or insane.
• war or any act of war, declared or undeclared, criminal or terrorist activities, active duty in any armed forces, direct participation in strike, riots and civil
commotion or insurrection.
• pre-existing Illness.
• injury arising from racing or any kind (except for foot racing), hazardous sports or activities that involve speed, height, high level of physical exertion, highly
specialized gear or spectacular stunts such as but not limited to bungee jumping, parachuting, scuba-diving, sky-diving, water skiing, underwater activities
requiring breathing apparatus, winter sports, professional sports and illegal activities.
• Professional sport means engaging in any physical activity in a professional capacity or where the Person Covered would or could earn income or remuneration
from engaging in such activity.
ID Benefit
• the symptoms of any of the Infectious Diseases are manifested prior to or within ninety (90) days after the certificate has commenced;
• the Infectious Diseases arises directly or indirectly from any pre-existing conditions;
• the history of drug, substance or alcohol abuse of the Person Covered;
• the presence of the Acquired Immune Deficiency Syndrome (“AIDS”) / Human Immunodeficiency Virus (“HIV”) infection.
Outpatient Teleconsultation Services

Outpatient Teleconsultation is not catered for Medical Emergencies. If the Person Covered (and/or You) have an accident or medical emergency, please contact
the local emergency number.
Supreme Assist
• pre-existing illness unless such pre-existing Illness had been declared and stated in the Proposal Form and specifically accepted by Us and duly endorsed;
• any event occurring when the Person Covered is within the territory of Malaysia, his usual country of residence or home country (for Overseas Emergency
Medical Assistance Services) or within his state of residence in Malaysia (for Domestic Emergency Medical Assistance Services);
• any expense if the Person Covered is travelling outside Malaysia or his usual country of residence (for Overseas Emergency Medical Assistance Services) or
outside his state of residence in Malaysia (for Domestic Emergency Medical Assistance Services), which differs from the advice of a medical practitioner or for
the purpose of obtaining medical treatment or for rest and recuperation following any prior accident or illness.
Note: This list is non-exhaustive. Please referEASTERN
PAGE 36|GREAT to the TAKAFUL
certificate for
BERHAD the full list& of
| CONFIDENTIAL FORexclusions under
INTERNAL USE ONLY |FEBthis
2022 plan.
i-GREAT INSPIRASI: UPFRONT CHARGES
Upfront Charge which will be deducted upfront, consists of;
1) the distribution expenses including agent’s commission, and
2) the management expenses including stamp duty of RM 10.
Upfront Charge (% of Contribution)

Contribution Year according to Coverage Term (years)
≥ 20
1 76.00%
2 50.00%
3 36.00%
4 30.00%
5 20.00%
6 18.00%
>=7 10.00%
i-GREAT INSPIRASI: COMMISSION
Certificate Term: ≥ 20
Contribution Year Full Commission
Basic Commission Overriding Commission
BSC Non-BSC BSC Non-BSC
1 8.75% 26.25% 5.00% 15.00% 55.00%
2 7.50% 22.50% 2.50% 7.50% 40.00%
3 5.00% 15.00% 1.50% 4.50% 26.00%
4 3.75% 11.25% 1.25% 3.75% 20.00%
5 2.50% 7.50% - - 10.00%
6 2.5% 7.50% - - 10.00%
>=7 - - - - -
Production Bonus Agency Related Expenses (ARE)

Certificate Year 1 2 3 ≥7
1st Certificate Year 2.27%
Non-BSC 7.5% 0 0 0
BSC 2.5% 0 0 0 2nd Certificate Year onwards 3%
The Production Bonus & ARE are paid as a percentage of Takaful Contribution paid (75% of Basic
Contribution), as detailed below.
Note: The BSC Commission shown in the table above is calculated based on normal performance level. For agents who are exempted from BSC, the BSC commission will
be treated as non-BSC commission. PAGE 38|GREAT EASTERN TAKAFUL BERHAD | CONFIDENTIAL & FOR INTERNAL USE ONLY |FEB 2022
i-GREAT INSPIRASI
Other Services Affordable Coverage
• Waqaf • Badal Hajj Protection as low as RM 15.50 a month
• Debt Settlement1 for basic coverage of RM 50,000 up to
• Hibah for Family2 RM 800,000
• Hibah for Charity2
Eligibility
Underwriting • Entry Age from 14 days – 65 ANB
Simplified Issue Offer (SIO), • Coverage for up to 85 ANB
without Medical Check Up • Min SC: RM 100,000 (RM50k,
only available until 31 March 2022)
• Max SC: RM 200,000
Accidental Death Protection

Additional Sum Covered is payable Provides multiple protections under on plan:
upon Accidental Death of the • Death/TPD Benefit
Person Covered • Accidental Death Benefit
• Additional 100% BSC • Death Benefit due to Mosquito-borne
disease
• Additional 200% BSC Limited • Critical Illness Benefit (CI)
time
• Additional 300% BSC offer • Hospitalisation Benefit (HB)
• Infectious Diseases Benefit (ID)
• Outpatient Teleconsultation Services
• Supreme Assist
Terms and Conditions apply. PAGE 39|GREAT EASTERN TAKAFUL BERHAD | CONFIDENTIAL & FOR INTERNAL USE ONLY |FEB 2022
1 Debt Settlement can be made through Collateral Assignment Form. 2 Conditional Hibah – through Nomination Form (Hibah for family / loved ones) and through Individual Assignment Form (Hibah for Charity)
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Training Slide

Prepared by: Product Development Team

COPYRIGHT GREAT EASTERN TAKAFUL BERHAD (916257-H) ALL RIGHTS RESERVED

This information is correct as at 13 FEB 2022.

The great floods

Median monthly salaries & wages in 2020

53% of young working adults lacked the

Housing prices are increasing

First step in wealth management is

One of the best way to getting ahead

With life protection, you are able to focus on

The moment you receive your

Source: Graduate Salary in Malaysia, 2021 - https://jobmajestic.com/blog/en/career-insights/fresh-graduate-salary-in-malaysia/

Protection coverage needs, RM2,414 x 12 x 5

Where can you get a Protection

Source: Graduate Salary in Malaysia, 2021 - https://jobmajestic.com/blog/en/career-insights/fresh-graduate-salary-in-malaysia/

“Inspiring Malaysians to Get Protected”

Available from Age 14 Basic Sum Covered from

Accidental death due to Outpatient Teleconsultation

Accidental Death Coverage

Additional Additional Additional

Additional Additional Additional

Death Benefit due to Mosquito-Borne Disease

Malaysia recorded Malaysia was 3rd highest

Mosquitoes are the

Upon death due to any

Upon occurrence of any

Outpatient Teleconsultation Services &

Instead of going to the nearest clinic because due to

GET IT NOW! The only company that offered CI and HB benefits

Upon diagnosed of any

Hospitalisation Benefit (HB)

A waiting period of 30 days for

Maximum 30 days per Certificate

All benefits will be payable

Total and Permanent

Coverage Expiry Coverage Expiry

In Malaysia Additional 100% of BSC

i. while travelling as a passenger in Public Conveyance; or

• The above benefits will be subjected to Child Lien.

Notification of death must be accompanied by satisfactory documentary evidence of the definite

Descriptions of each benefits are as follows:

Person Covered will receive an unlimited health consultation services through

The Outpatient Teleconsultation is not catered for Medical Emergencies. If the

A 30-days waiting period shall apply to this benefit.

Descriptions of each benefits are as follows:

For the above definition, the following are not covered:

(i) a history of typical chest pain;

For the above definition, the following are not covered:

1) Upon hospitalisation of the Person Covered due to illness (subject

Death till age 85 ANB

Payment Term Full pay; equals to the Coverage term

Multiple Certificate Not Allowed

Simplified Issue Offer (SIO). Accept or Reject basis.

Contribution Amount Contribution shall be Step Up throughout the coverage term.

Reinstatement Allowed within 12 months from the date of lapsing.

Assignment Allowed. Can be done to:

Accidental Death Benefit

Outpatient Teleconsultation Services