Ultra Medic Rider MABRUR Fulfill Your Five Pillars of Islam As one of the five pillars of Islam, it is compulsory for every able-bodied Muslim who can afford to perform Hajj, to be the Guest of God at least once in his or her lifetime. As the largest annually occurring pilgrimage in the world, Hajj is a demonstration of the solidarity of us Muslims as our submission to God. It’s a beautiful journey of forgiveness, simplest form of jihad and another chance of starting pure and anew. With a journey this important, early and good planning is essential to ensure you are well prepared mentally, spiritually and as or more importantly, financially. Start preparing now to achieve your ultimate destination. Making a Difference to Your Spiritual Journey Mabrur is a Takaful savings and comprehensive protection plan that complements your preparation for Hajj and Umrah. Etiqa provides a One Stop Centre for you to plan your Hajj and Umrah better. We facilitate the process of opening your Tabung Haji account and registration for Hajj when the first Cash Payment is payable. With this plan, opening your Tabung Haji account is free of charge. The plan comes with Cash Payments payable at the end of third Certificate year and every year thereafter with the Cash Payments of 10% in the third year. This Cash Payment benefit will be accumulated at your Tabung Haji account, saving towards your spiritual fulfillment and other plans you have installed for yourself and your loved ones. The plan also provides comprehensive protection for both Participant and Person Covered, and you have the flexibility of tenure choice from 20 to 30 years. Key benefits Start growing your savings Enjoy a fixed Cash Payment of up to 10% of Basic Sum Covered. The Cash Payment will be paid to you at the end of every year, starting 3 years after the certificate commencement date. End of Certificate Year % of Basic Sum Covered 3 10% 4 to 14 3% 15 to 24 4% 25 to 30 5% Subtotal 113% Additional 10% upon maturity 10% Total* 123% * For certificate term below 30 years, the total fixed Cash Payments received is lesser than 123% All fixed Cash Payments will be auto credited to the Person Covered’s Tabung Haji account to save up for Hajj or Umrah and other future plans. Upon maturity, an additional fixed Cash Payment of 10% of the Basic Sum Covered is payable to the Person Covered. Maturity Benefit Upon survival of the Person Covered at the end of the Takaful term, the accumulated value in Participants’ Investment Fund (PIF) including PIF profit and Participants’ Risk Fund (PRF) surpluses, if any, that have been allocated to the Participant shall be payable. Comprehensive Protection Coverage Death Benefit Upon Death of the Person Covered due to natural or accidental causes, the amount of Sum Covered, Funeral Expenses of RM1,000 plus accumulated value in PIF, including any profit from its investment (if any) shall be payable. Double Indemnity on Accidental Death We provide an additional 100% of Basic Sum Covered payable upon Death of the Person Covered up to age 70 next birthday, due to accidental causes whilst performing Hajj or Umrah at Makkah or Madinah. Total and Permanent Disability (TPD) Benefit Upon TPD of the Person Covered before age 65 next birthday, the amount of Sum Covered plus all accumulated value in PIF, including any profit from its investment (if any) shall be payable. If the aggregate Sum Covered payable (per person covered) is up to RM1 million, it shall be paid in one lump sum. Should the Sum Covered be more than RM1 million, then the balance of Sum Covered shall be payable one (1) year after the first payment was made, subject to the terms and conditions stated in Takaful Certificate. Badal Hajj Benefit Upon an unfortunate event of Death or TPD before performing Hajj, We will ensure that the Person Covered Hajj obligation is fulfilled by paying RM3,000 as Badal Hajj benefit. This benefit is only applicable if Hajj Allowance is not claimed and the Person Covered age must be 16 next birthday and above. For TPD, the Person Covered must not exceed age 65 next birthday. Hajj and Umrah Allowances* For performing Hajj and Umrah, one time RM1,000 will be payable respectively. If the Person Covered performs Hajj and Umrah together at the same time, only Hajj allowance will be paid. The Hajj and Umrah allowances cannot be claimed in the same certificate year and subject to twelve (12) months intervals from the last claim made. Ihsar Benefit* When the Person Covered is in the state of Ihram and is prevented from performing Hajj or Umrah due to medical condition, we will pay Benefit of up to RM1,000 throughout the coverage term for the reimbursement of the cost of sacrificed animal. Child Guardian Allowance* When performing Hajj, the Person Covered will have a peace of mind as his or her children will be looked after. A one time Child Guardian allowance of RM1,000 is payable. The child must not exceed age 18 next birthday. * The certificate must be in-force for at least 5 years and all contributions due are paid For detailed plan features, please download the brochure below.
Posted on: Tue, 02 Jul 2013 04:17:23 +0000
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