In the event of death of the person covered, a lump sum of RM1,000 will be payable to the zakat body as fidyah on behalf of the person covered. The claimant is required to provide an estimated number of days that the person covered was unable to fast for any day or any period of time during the fasting month.
The actual amount due will be paid as a fidyah payout from this benefit based on the declaration and the remaining amount of this benefit (if any) will be paid as a general donation (sadaqah) to the zakat body.
2.5% of the universal account (UA) value is payable to the zakat body⁴ on behalf of the person covered should the value of the universal account be greater than or equal to Nisab⁵. This benefit is only applicable in the event of the death or TPD² of the person covered, surrender of this contract or when the final benefit is paid.