Type

Eligibility

Coverage

Benefits

Group Term Takaful

(Group Term Life)

Minimum number of employees - 5

Full-time permanent employee who is at least eighteen (18) years old but is under or equal to sixty four (64).

Death due to all causes and Total and Permanent Disability

The Death Benefit will be payable in one lump sum on the death of the Covered Person provided Covered Person died prior to attaining the age of Seventy (70).

The Total and Permanent Disability Benefit will be payable if a Covered Person suffers a Total and Permanent Disability provided that such Covered Person suffers the Total and Permanent Disability for at least Six (6) months prior to attaining the age of Sixty-Five (65).

Group Critical Illness

Optional Rider to Group Term Takaful

If the Covered Person suffers any one of the 36 Critical Illnesses

The Critical Illness Benefit will be payable in one lump if the Covered Person suffers any one of the 36 Critical Illnesses, provided that such Covered Person suffers the Critical Illness prior to attaining the age of sixty five (65).

The Critical Illness Benefit consists of the Sum Covered as prescribed in the Group Takaful Schedule.

No benefit will be payable for any of the 36 Critical Illnesses unless the Critical Illness suffered by the Covered Person commenced more than thirty (30) days after Takaful coverage commences for such Covered Person.

Group Personal Accident

Minimum number of employees - 5

Full-time permanent employee who is at least eighteen (18) years old but is under or equal to sixty four (64).

Death and permanent disablement due to accident

Payment of benefits comprising of a percentage of the Sum Covered based on the prescribed events if a Covered Person dies or sustains bodily injury caused by an Accident and if such death or bodily injury occurs within Three Hundred and Sixty Five (365) days from the date of the Accident.

Group Hospitalization and Surgical Benefits

All Eligible Persons and any person who is a Dependant of an Eligible Person who are in Active Service are eligible for Takaful coverage under this Certificate

Coverage will be stipulated in the Schedule of Benefits as agreed with the Covered companies/corporations/ organizations.

Payment/reimbursement shall be made on the Eligible Expenses of a Covered Person in connection with the Hospitalization of the Covered Person as provided in the Schedule of Benefits