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MY - EN

A surplus sharing individual hospitalization and surgical takaful plan which provides for expenses on hospitalization, surgical, non-surgical and other related cost incurred due to injury or illnesses.

 

This product offers 6 plans with different level of deductible to supplement the person covered existing medical insurance/takaful plan, including the medical insurance/takaful coverage provided by employer.

Benefits & Privileges

  • No Lifetime Limit

    Overall annual limit as high as RM2,000,000 with no lifetime limit i.e. you need not worry about maxing out your health coverage when you need it the most.

  • Family Discount

    10% family discount when your immediate family members sign up together with you. Individual contracts will be issued to each person covered.

  • Hospitalisation & Surgical Benefits

    Comprehensive coverage for hospitalisation expenses, surgical and also non-surgical fees, with six benefit level options available for selection to best suit your financial needs.

     

    Please refer to Key Downloads for the brochure for more information on schedule of benefits.

  • Deductible & Deductible Period Alignment

    Six different levels of deductible to choose from, depending on your needs. You also have the option to align the plan’s deductible period with the deductible period in your existing medical protection plan, to truly complement your base medical coverage.

  • Best Doctor Services

    A platform that connects you with world leading medical experts, allowing you to learn more about your health condition and the treatment that suits you best. Services include:

    • InterConsultationTM Service
    • DocOnLine (Online Doctor)
    • AskTheExpert Service
  • Retirement Option

    An option to reduce your deductible amount to zero with no further underwriting when you are between the age of 55 to 59 so that you can continue to enjoy adequate protection when you need it most.

     

    This option is available when the contract is in force for at least 5 years.

  • Additional Tax Relief

    Tax relief under takaful contribution for medical takaful benefit in addition to the usual tax relief for family takaful and Employees Provident Fund (EPF).

Eligibility & Requirements

(This is a takaful product)

Entry age: Based on the age of your last birthday basis.

Entry Age Limit

  Person Covered Contract Holder
Minimum age at entry 30 days old 18 years old
Maximum age at entry 60 years old No limit

Key Downloads

Important Notes

This product is managed by Sun Life Malaysia Takaful Berhad Registration No. 200501012215 (689263-M) (“Sun Life Malaysia”), a Takaful Operator regulated by Bank Negara Malaysia and registered under the Financial Services Act 2013.

 

Sun Life Malaysia Takaful Berhad is a member of Perbadanan Insurans Deposit Malaysia (PIDM). The benefit(s) payable under eligible certificate/policy/contract is(are) protected by PIDM up to limits. Please refer to PIDM’s Takaful and Insurance Benefits Protection System (TIPS) Brochure or contact Sun Life Malaysia Takaful Berhad or PIDM (visit www.pidm.gov.my).

 

Disclaimer:

The description of the features and benefits of the takaful product herein is not a contract/certificate of family takaful and is only a brief summary of the takaful product for quick and easy reference. The complete terms and conditions of the takaful product are contained in the Contract/Certificate Document of Sun Life Malaysia Takaful Berhad Registration No. 200501012215 (689263-M), the Takaful Operator.

 

CIMB Islamic Bank Berhad ("Bank") accepts no responsibility, obligation or liability for this takaful product and the services provided by the Takaful Operator. The Bank merely acts as a distributor for this takaful product.

 

This takaful product is the Sun Life Malaysia’s product and not a product of the Bank. Therefore this takaful product is not guaranteed by the Bank, its subsidiaries and/or its affiliates and the Takaful Operator shall undertake the full responsibilities, obligations and liabilities in respect of this takaful product.

 

Terms and Conditions apply.

Need More Information?

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+603 6204 7788

(Available 24 hours)