In the event of your TPD, we will pay the reducing sum covered for TPD benefit as at the date the TPD starts, plus the rider contribution paid. These will be paid from the Participants' Tabarru' Fund. If the TPD is due to accidental causes, we will pay an additional 100% of the rider contribution paid.
If the amount of the TPD benefit payable is equal to the reducing sum covered for the death benefit, we will terminate the certificate once we make payment for this benefit.
If the TPD benefit payable is less than the death benefit, then starting on the date TPD begins, we will continue the takaful coverage on death for the remaining balance of reducing sum covered.
The reducing sum covered for the death benefit for all future terms will be reduced. The amount of reduction will depend on how much has been paid for the TPD benefit as compared to the amount of the reducing sum covered as at the date the TPD begins. This reduction will apply from the date the TPD begins.
Once we pay the TPD benefit, we will terminate this rider no matter how much TPD benefit was paid.
The maximum aggregate amount of TPD we will pay for each person covered, under this and all other individual and group takaful certificates except for the ROC rider, shall not exceed RM2,000,000.