A-Prima Pelan Perlindungan

What is A-Prima about?
A-Prima is a regular contribution family takaful plan that provides takaful protection up to age 99 of the person covered. A range of optional benefits is available to be attached to the family takaful plan to further enhance the takaful coverage.

How this plan works?

The contribution paid for the plan will be allocated to the Participant’s Account after the deduction of Wakalah Fee, which is the upfront fee deducted as a percentage of the contribution paid. The Tabarru‘ Charges will be deducted monthly from the Participant’s Account and dripped into the Participant Risk Fund. The Participant Risk Fund will be used for mutual aid and assistance based on the concept of Takaful. If the Participant Risk Fund is insufficient to pay for the takaful benefits, the Takaful Operator will make good of the insufficiency by providing a benevolent loan (Al-Qard Al- Hasan) and this amount will be paid to the Takaful Operator with no profit once the Participant Risk Fund becomes sufficient, before any distribution of underwriting surplus.

What are the covers / benefits provided?

• Death benefit 
• If the person covered dies before the maturity date of the certificate and while this certificate is in force, the higher of the sum covered or the value of the Participant’s Account (Participant’s Account Value) on the date of death shall be payable.

• Total and Permanent Disability (TPD) benefit 
• If you suffer from total and permanent disability before age 60, the higher of TPD sum covered or the Participant’s Account Value shall be payable. If the total and permanent disability benefit is TPD sum covered, a lump sum amount which is advanced from 100% of TPD sum covered or 10% of the TPD sum covered in each of the first two years, followed by the remaining 80% in the third year, depending on the nature of the disability, will be payable.

• Maturity benefit 
• If the certificate is in force and the person covered is then alive on maturity date, the Participant’s Account Value shall be payable.

Am I allowed to attach any riders to this plan?
You have an option to further enhance your takaful coverage by adding extra coverage from our range of optional benefits below :

• Critical Illness 
• The sum covered of the critical illness benefit is payable in one lump sum upon diagnosis of specific illnesses to help you cope with the extra medical cost.

• Critical Illness Waiver of Contribution 
• Waive and pay the regular contribution for the basic certificate on behalf of participant in the event the person covered is diagnosed to be suffering from any one of the specified critical illness or undergoes a covered surgery.

• Personal Accident 
• Coverage is provided for death or injuries resulting from an accident.

• Hospitalization and Surgical 
• Coverage is provided by assisting you in coping with the medical expenses incurred in times of hospitalization.

 Sekiranya berminat anda boleh dapatkan Free Quotation melalui saya di sini.