Claim/Sisipan Akhbar

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Contact Us

Mohd Yusoff Bin Radzi
Quality Agent

No.13, Tingkat 2,
Taman Sitiawan 1,
32000 Sitiawan Perak

019-5624521

Email : uchopdee_66@co.uk

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The Contributor

The Contributor  rider is designed to pay an annual benefit should the Participant be diagnosed to suffer from a critical illness before age 80. Payment of the annual benefit will cease upon death of the Participant.

Major Benefits Benefits Benefit is payable if the Participant is diagnosed to be suffering from a Critical Illness Limitations Only one claim under this Benefit can be made regardless of the number of Critical Illnesses diagnosed, except for full-blown AIDS

Indicative Contribution Rates Annual contribution per RM100 contribution for a male non-smoker Contributor Aged 35 RM8.71 Aged 45 RM14.78

Important terms and conditions of the product The Takaful Operator reserves the right to increase the contribution and Tabarru' at any time by giving a 90-day written notice to the Participant at the last known address. Contribution and Tabarru' revision shall only be effective at the next certificate anniversary date. Should the next certificate anniversary date fall within 90 days from the date of such notice, contribution and Tabarru' revision shall then be effective at the following certificate anniversary date. You are to disclose in this proposal form (and in any personal statement made to the Takaful Operator or to the Medical Examiner of the Takaful Operator) fully and faithfully, all the facts which you know and ought to know, otherwise the certificate issued hereunder may be invalidated. Exclusions The benefits shall not be payable: 3.1 If the symptoms of the Critical Illness is manifested prior to or; Within sixty (60) days for Heart Attack, Coronary Artery Heart Disease requiring Surgery, Cancer or other Serious Coronary Artery Heart Disease of; or Within thirty (30) days for all other Critical Illness listed in the Glossary of Terms of The date of this Certificate; or The date of issue of this Annexure; or The date of Revival; or The date of Endorsement; or The commencement date of the Benefit; whichever is the latest. 3.2 If the participant is diagnosed to have a Critical Illness that is caused directly or indirectly by the existence of Acquired Immune Deficiency Syndrome (AIDS) or the presence of any Human Immunodeficiency Virus infection. The exception is when AIDS is full-blown or is caused by blood transfusion.

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Spouse Contributor

Spouse Contributor is intended to assist the Participant with future contributions to the TakafulLink plan in the event of death, TPD before the age of 60, or diagnosis of a critical illness on the spouse of Participant. Payment of annual benefit will cease upon death of the Participant or upon reaching age 60.

Major Benefits Benefits Benefit is payable if the spouse of the Participant is diagnosed to be suffering from a Critical Illness; or has become totally and permanently disabled prior to attaining age 60; or has died Limitations Only one claim under this Benefit can be made regardless of the number of Critical Illnesses diagnosed, except for full-blown AIDS or if TPD occurs with Critical Illness

Indicative Contribution Rates Annual contribution per RM100 contribution for Participant whose spouse is aged 35. Age of person covered: Spouse Contributor Aged 35 RM21.67 Aged 45 RM14.78

Important terms and conditions of the product The Takaful Operator reserves the right to increase the contribution and Tabarru' at any time by giving a 90-day written notice to the Participant at the last known address. Contribution and Tabarru' revision shall only be effective at the next certificate anniversary date. Should the next certificate anniversary date fall within 90 days from the date of such notice, contribution and Tabarru' revision shall then be effective at the following certificate anniversary date. You are to disclose in this proposal form (and in any personal statement made to the Takaful Operator or to the Medical Examiner of the Takaful Operator) fully and faithfully, all the facts which you know and ought to know, otherwise the certificate issued hereunder may be invalidated. Exclusions The benefits shall not be payable: 3.1 If the symptoms of the Critical Illness is manifested prior to or; Within sixty (60) days for Heart Attack, Coronary Artery Heart Disease requiring Surgery, Cancer or other Serious Coronary Artery Heart Disease of; or Within thirty (30) days for all other Critical Illness listed in the Glossary of Terms of The date of this Certificate; or The date of issue of this Annexure; or The date of Revival; or The date of Endorsement; or The commencement date of the Benefit; whichever is the latest. 3.2 If the participant is diagnosed to have a Critical Illness that is caused directly or indirectly by the existence of Acquired Immune Deficiency Syndrome (AIDS) or the presence of any Human Immunodeficiency Virus infection. The exception is when AIDS is full-blown or is caused by blood transfusion.

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Parent Contributor

Parent Contributor is aimed to assist the Participant in the event of death, TPD before the age of 60, or diagnosis of a critical illness on the parent of the Participant. Payment of annual benefit will cease upon death of the Participant or upon reaching age 60.

Major Benefits Benefits Benefit is payable if the parent of the Participant is diagnosed to be suffering from a Critical Illness; or has become totally and permanently disabled prior to attaining age 60; or has died Limitations Only one claim under this Benefit can be made regardless of the number of Critical Illnesses diagnosed, except for full-blown AIDS or if TPD occurs with Critical Illness

Important terms and conditions of the product The Takaful Operator reserves the right to increase the contribution and Tabarru' at any time by giving a 90-day written notice to the Participant at the last known address. Contribution and Tabarru' revision shall only be effective at the next certificate anniversary date. Should the next certificate anniversary date fall within 90 days from the date of such notice, contribution and Tabarru' revision shall then be effective at the following certificate anniversary date. You are to disclose in this proposal form (and in any personal statement made to the Takaful Operator or to the Medical Examiner of the Takaful Operator) fully and faithfully, all the facts which you know and ought to know, otherwise the certificate issued hereunder may be invalidated. Exclusions The benefits shall not be payable: 3.1 If the symptoms of the Critical Illness is manifested prior to or; Within sixty (60) days for Heart Attack, Coronary Artery Heart Disease requiring Surgery, Cancer or other Serious Coronary Artery Heart Disease of; or Within thirty (30) days for all other Critical Illness listed in the Glossary of Terms of The date of this Certificate; or The date of issue of this Annexure; or The date of Revival; or The date of Endorsement; or The commencement date of the Benefit; whichever is the latest. 3.2 If the participant is diagnosed to have a Critical Illness that is caused directly or indirectly by the existence of Acquired Immune Deficiency Syndrome (AIDS) or the presence of any Human Immunodeficiency Virus infection. The exception is when AIDS is full-blown or is caused by blood transfusion.

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Family Income Benefit

Family Income Benefit pays a monthly benefit to the family for 120 months should the covered person die. If the covered person is diagnosed to suffer from a critical illness before expiry of the term or TPD before age 70, the benefit will be payable to the Participant.

Major Benefits Benefits Benefit is payable monthly if the Covered Person dies, diagnosed to suffer from a critical illness or becomes totally and permanently disabled

Indicative Contribution Rates Annual Contribution for a male non-smoker with 20 years term For every RM100 of monthly income Aged 35 RM84.29 Aged 45 RM216.13

Important terms and conditions of the product The benefit will only cover death if the covered person has attained eighteen (18) years old. The Takaful Operator reserves the right to increase the contribution and Tabarru' at any time by giving a 90-day written notice to the Participant at the last known address. Contribution and Tabarru' revision shall only be effective at the next certificate anniversary date. Should the next certificate anniversary date fall within 90 days from the date of such notice, contribution and Tabarru' revision shall then be effective at the following certificate anniversary date. You are to disclose in this proposal form (and in any personal statement made to the Takaful Operator or to the Medical Examiner of the Takaful Operator) fully and faithfully, all the facts which you know and ought to know, otherwise the certificate issued hereunder may be invalidated. At each anniversary of the disability date, the Participant shall 4.1 submit proof of continued total and permanent disablement; and 4.2 if required by the Takaful Operator, submit himself or herself to a medical examination conducted by a duly qualified registered medical practitioner appointed by the Takaful Operator. The Takaful Operator reserves the right to determine the frequency of such medical examination as it may reasonably require. If such proof is not furnished or if the Participant shall refuse or fail to submit to a medical examination when required to do so, this Benefit shall immediately cease on the date of such request by the Takaful Operator.

Limitations You can only make one claim under this benefit regardless how many critical illnesses you are diagnosed with, except for the full-blown AIDS or a total and permanent disability that happens at the same time with a critical illness.

Exclusions This benefit will not apply or be payable if such disability is directly or indirectly caused by: 1.1 Attempted suicide or self-inflicted injuries while sane or insane 1.2 Engaging in aerial flights (including parachuting and skydiving) other than as a crew member of or as a fare paying passenger on a licensed passenger carrying commercial aircraft operating on a regular scheduled route The benefits shall not be payable: 2.1 If the symptoms of the Critical Illness is manifested prior to or; Within sixty (60) days for Heart Attack, Coronary Artery Heart Disease requiring Surgery, Cancer or other Serious Coronary Artery Heart Disease of; or Within thirty (30) days for all other Critical Illness listed in the Glossary of Terms of The date of this Certificate; or The date of issue of this Annexure; or The date of Revival; or S The date of Endorsement; or The commencement date of the Benefit; whichever is the latest. 2.2 If the participant is diagnosed to have a Critical Illness that is caused directly or indirectly by the existence of Acquired Immune Deficiency Syndrome (AIDS) or the presence of any Human Immunodeficiency Virus infection. The exception is when AIDS is full-blown or is caused by blood transfusion.

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Crisis Shield

Crisis Shield is designed to provide the lump sum payment to the Participant upon diagnosis of Critical Illness before age 80. This is paid in lieu of the basic sum covered and it will cease to be payable if any benefit is paid earlier under Disability Plus.

Major Benefits Benefits The benefit is payable upon diagnosis of a Critical Illness

Indicative Contribution Rates Annual Contribution for a male non-smoker For every RM1,000 sum covered Aged 35 RM5.69 Aged 45 RM12.63

Important terms and conditions of the product The Takaful Operator reserves the right to increase the contribution and Tabarru' at any time by giving a 90-day written notice to the Participant at the last known address. Contribution and Tabarru' revision shall only be effective at the next certificate anniversary date. Should the next certificate anniversary date fall within 90 days from the date of such notice, contribution and Tabarru' revision shall then be effective at the following certificate anniversary date. You are to disclose in this proposal form (and in any personal statement made to the Takaful Operator or to the Medical Examiner of the Takaful Operator) fully and faithfully, all the facts which you know and ought to know, otherwise the certificate issued hereunder may be invalidated.

Limitations Only one claim under this Benefit can be made regardless of the number of Critical Illnesses diagnosed, except for full-blown AIDS.

Exclusions The benefits shall not be payable: If the symptoms of the Critical Illness is manifested prior to or; Within sixty (60) days for Heart Attack, Coronary Artery Heart Disease requiring Surgery, Cancer or other Serious Coronary Artery Heart Disease of; or Within thirty (30) days for all other Critical Illness listed in the Glossary of Terms of The date of this Certificate; or The date of issue of this Annexure; or The date of Revival; or The date of Endorsement; or The commencement date of the Benefit; whichever is the latest. 1.1 If the participant is diagnosed to have a Critical Illness that is caused directly or indirectly by the existence of Acquired Immune Deficiency Syndrome (AIDS) or the presence of any Human Immunodeficiency Virus infection. The exception is when AIDS is full-blown or is caused by blood transfusion.

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Crisis Cover Income

Crisis Cover Income is designed to provide a regular instalment benefit upon diagnosis of a Critical Illness before age 80. It is payable annually for the remaining life of the Participant.

Major Benefits Benefits The benefit will be payable annually upon diagnosis of a Critical Illness

Indicative Contribution Rates Annual Contribution for a male non-smoker For every RM1,000 sum covered Aged 35 RM8.71 Aged 45 RM14.78

Important terms and conditions of the product The Takaful Operator reserves the right to increase the contribution and Tabarru' at any time by giving a 90-day written notice to the Participant at the last known address. Contribution and Tabarru' revision shall only be effective at the next certificate anniversary date. Should the next certificate anniversary date fall within 90 days from the date of such notice, contribution and Tabarru' revision shall then be effective at the following certificate anniversary date. You are to disclose in this proposal form (and in any personal statement made to the Takaful Operator or to the Medical Examiner of the Takaful Operator) fully and faithfully, all the facts which you know and ought to know, otherwise the certificate issued hereunder may be invalidated.

Limitations Only one claim under this Benefit can be made regardless of the number of Critical Illnesses diagnosed, except for full-blown AIDS.

Exclusions The benefits shall not be payable: If the symptoms of the Critical Illness is manifested prior to or; Within sixty (60) days for Heart Attack, Coronary Artery Heart Disease requiring Surgery, Cancer or other Serious Coronary Artery Heart Disease of; or Within thirty (30) days for all other Critical Illness listed in the Glossary of Terms of The date of this Certificate; or The date of issue of this Annexure; or The date of Revival; or The date of Endorsement; or The commencement date of the Benefit; whichever is the latest. 1.1 If the participant is diagnosed to have a Critical Illness that is caused directly or indirectly by the existence of Acquired Immune Deficiency Syndrome (AIDS) or the presence of any Human Immunodeficiency Virus infection. The exception is when AIDS is full-blown or is caused by blood transfusion.

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Medical Cover

Medical Cover is designed to provide you with fixed cash payment and daily assistance in the event of hospitalisation due to illness or injury before age 70. These supplementary products are restricted to 8 units only.

Major Benefits Daily Benefit - for hospital confinement RM50 (up to 100 days a year) Daily Benefit - for confinement in intensive care unit RM100 (up to 30 days a year) Lump Sum Benefit - for surgical procedure RM2,500* per procedure (subject to a maximum amount of RM12,500 in a year)

Indicative Contribution Rates Annual contribution per unit for a male/female under occupation class 1 & 2:   Aged 35 RM115 Aged 45 RM167

Important terms and conditions of the product The Takaful Operator reserves the right to increase the contribution and Tabarru' at any time by giving a 90-day written notice to the Participant at the last known address. Contribution and Tabarru' revision shall only be effective at the next certificate anniversary date. Should the next certificate anniversary date fall within 90 days from the date of such notice, contribution and Tabarru' revision shall then be effective at the following certificate anniversary date. You are to disclose in this proposal form (and in any personal statement made to the Takaful Operator or to the Medical Examiner of the Takaful Operator) fully and faithfully, all the facts which you know and ought to know, otherwise the certificate issued hereunder may be invalidated. Confined to a hospital shall mean a continuous confinement of at least 6 hours in a "hospital" (as hereinafter defined) and a room and board charge has been made by the hospital in connection with the confinement. The amount of surgical procedure depends on the Severity Rating Table as shown. The Severity Ratings of Surgical Procedures will be determined by a duly qualified doctor or physician or surgeon appointed by the Takaful Operator. Severity Rating Table Severity Amount of Surgical Procedure Benefit Payable 1 5% 2 10% 3 20% 4 30% 5 50% 6 75% 7 100%

Limitations Waiting Period This benefit shall not be payable if such confinement is caused by illness or disease commencing within 30 days. Exclusions The benefits shall not be payable: 2.1 If such confinement is caused by illness or disease commencing within 30 days of The date of this Certificate; or The date of issue of this Annexure; or The date of Revival; or The date of Endorsement; or The commencement date of the Benefit; whichever is the latest. 2.2 If the Participant shall be confined to a hospital as a consequence of; Routine medical examinations or consultations Cosmetic or plastic surgery, dental care and treatment, organ and tissue donation, gender transformation and exploratory or experimental surgery or any other elective procedures other than medical procedures necessitated by accidental injury, surgery or illness Treatments or procedures relating to pregnancy or childbirth Tests or treatment related to infertility, contraception, sterilisation, birth defects, congenital anomalies, hereditary conditions, circumcision or any abortion performed due to psychological or social reasons, and consequences thereof Treatment of mental illness and psychiatric disorders, self-inflicted injury while sane or insane, attempted suicide, abuse of alcohol, and drug addiction and abuse Any treatment or test in connection with AIDS or the presence of any Human Immunodeficiency Virus infection and all sexually transmitted diseases Injuries or sickness arising from professional sports, racing of any kind, scuba-diving, bungee jumping, aerial flights (including hang-gliding, ballooning, parachuting and sky-diving) other than as a crew member of or as a fare-paying passenger on a licensed passenger-carrying commercial aircraft operating on a regular scheduled route or any hazardous activities or sports unless agreed by special endorsement War, invasion, act of foreign enemy hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power, direct participation in a riot, strike or civil commotion Any violation or attempted violation of the law or resistance to arrest Any illness or condition (no matter when arising) in respect of which medical advice or treatment was received or recommended by a medical practitioner within the two years preceding the issue date and which was not disclosed in the application of the contract

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Hospital Benefit

Hospital Benefit is designed to provide you with fixed cash payment and daily assistance in the event of hospitalisation due to illness or injury before age 70. These supplementary products are restricted to 8 units only.

Major Benefits Daily Benefit - for hospital confinement RM50 (up to 100 days a year) Daily Benefit - for confinement in intensive care unit Not applicable Lump Sum Benefit - for surgical procedure Not applicable

Indicative Contribution Rates Annual contribution per unit for a male/female under occupation class 1 & 2:   Aged 35 RM58 Aged 45 RM87

Important terms and conditions of the product The Takaful Operator reserves the right to increase the contribution and Tabarru' at any time by giving a 90-day written notice to the Participant at the last known address. Contribution and Tabarru' revision shall only be effective at the next certificate anniversary date. Should the next certificate anniversary date fall within 90 days from the date of such notice, contribution and Tabarru' revision shall then be effective at the following certificate anniversary date. You are to disclose in this proposal form (and in any personal statement made to the Takaful Operator or to the Medical Examiner of the Takaful Operator) fully and faithfully, all the facts which you know and ought to know, otherwise the certificate issued hereunder may be invalidated. Confined to a hospital shall mean a continuous confinement of at least 6 hours in a "hospital" (as hereinafter defined) and a room and board charge has been made by the hospital in connection with the confinement. The amount of surgical procedure depends on the Severity Rating Table as shown. The Severity Ratings of Surgical Procedures will be determined by a duly qualified doctor or physician or surgeon appointed by the Takaful Operator. Severity Rating Table Severity Amount of Surgical Procedure Benefit Payable 1 5% 2 10% 3 20% 4 30% 5 50% 6 75% 7 100%

Limitations Waiting Period This benefit shall not be payable if such confinement is caused by illness or disease commencing within 30 days. Exclusions The benefits shall not be payable: 2.1 If such confinement is caused by illness or disease commencing within 30 days of; The date of this Certificate; or The date of issue of this Annexure; or The date of Revival; or The date of Endorsement; or The commencement date of the Benefit; whichever is the latest. 2.2 If the Participant shall be confined to a hospital as a consequence of; Routine medical examinations or consultations. Cosmetic or plastic surgery, dental care and treatment, organ and tissue donation, gender transformation and exploratory or experimental surgery or any other elective procedures other than medical procedures necessitated by accidental injury, surgery or illness Treatments or procedures relating to pregnancy or childbirth Tests or treatment related to infertility, contraception, sterilisation, birth defects, congenital anomalies, hereditary conditions, circumcision or any abortion performed due to psychological or social reasons, and consequences thereof Treatment of mental illness and psychiatric disorders, self-inflicted injury while sane or insane, attempted suicide, abuse of alcohol, and drug addiction and abuse Any treatment or test in connection with AIDS or the presence of any Human Immunodeficiency Virus infection and all sexually transmitted diseases Injuries or sickness arising from professional sports, racing of any kind, scuba-diving, bungee jumping, aerial flights (including hang-gliding, ballooning, parachuting and sky-diving) other than as a crew member of or as a fare-paying passenger on a licensed passenger-carrying commercial aircraft operating on a regular scheduled route or any hazardous activities or sports unless agreed by special endorsement War, invasion, act of foreign enemy hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power, direct participation in a riot, strike or civil commotion Any violation or attempted violation of the law or resistance to arrest Any illness or condition (no matter when arising) in respect of which medical advice or treatment was received or recommended by a medical practitioner within the two years preceding the issue date and which was not disclosed in the application of the contract

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Disability Provider

Disability Provider is designed to provide extra cover in the event of disability before age 60. Disability Provider is payable annually provided the Participant remains continuously disabled.

Major Benefits and Indicative Contribution Rates Benefits Benefit is payable annually if the Participant becomes totally and permanently disabled Amount Payable The benefit payable is as follows: The amount of this Benefit or; RM100,000; whichever is lesser Annual contribution per RM100 Sum Covered RM1.15

Important terms and conditions of the product Total and Permanent Disability is defined in the Glossary of Terms. At each anniversary of the disability date, the Participant shall submit proof of continued total and permanent disablement; and if required by the Takaful Operator, submit himself or herself to a medical examination conducted by a duly qualified registered medical practitioner appointed by the Takaful Operator The Takaful Operator reserves the right to determine the frequency of such medical examination as it may reasonably require. If such proof is not furnished or if the Participant shall refuse or fail to submit to a medical examination when required to do so, this Benefit shall immediately cease on the date of such request by the Takaful Operator.

Exclusions This benefit will not apply or be payable if such disability is directly or indirectly caused by: Attempted suicide or self-inflicted injuries while sane or insane Engaging in aerial flights (including parachuting and skydiving) other than as a crew member of or as a fare paying passenger on a licensed passenger carrying commercial aircraft operating on a regular scheduled route

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Disability Plus

Disability Plus is designed to provide extra cover in the event of disability before age 60. Disability Plus is payable in one lump sum up to the amount of RM1,000,000. A Deferred Disability Plus Benefit ("Deferred DPB") where the Amount of the Death Benefit exceeds RM1,000,000 but is not greater than RM2,000,000. The Deferred DPB shall be payable in nine equal annual instalments. The first instalment shall be payable on the first anniversary of such disability date and the final instalment on the ninth anniversary thereof.

Major Benefits and Indicative Contribution Rates Benefits Benefit is payable if the Participant becomes totally and permanently disabled Amount Payable Attained age of the Participant is less than 5 years old, the amount payable is as follows: The Amount of Death Benefit, in accordance with the Scale RM350,000 whichever is lesser, payable in one lump sum Attained age of the Participant is less than 15 years old, the amount payable is as follows: The Amount of Death Benefit RM350,000 whichever is lesser, payable in one lump sum Attained age of the Participant is between 15 and 60, the amount payable is as follows: The Amount of Death Benefit, in accordance with the Scale RM350,000 whichever is lesser, payable in one lump sum Annual contribution per RM100 Sum Covered Not applicable

Important terms and conditions of the product Total and Permanent Disability is defined in Annexure 1. At each anniversary of the disability date, the Participant shall submit proof of continued total and permanent disablement; and if required by the Takaful Operator, submit himself or herself to a medical examination conducted by a duly qualified registered medical practitioner appointed by the Takaful Operator The Takaful Operator reserves the right to determine the frequency of such medical examination as it may reasonably require. If such proof is not furnished or if the Participant shall refuse or fail to submit to a medical examination when required to do so, this Benefit shall immediately cease on the date of such request by the Takaful Operator.

Exclusions This benefit will not apply or be payable if such disability is directly or indirectly caused by: Attempted suicide or self-inflicted injuries while sane or insane Engaging in aerial flights (including parachuting and skydiving) other than as a crew member of or as a fare paying passenger on a licensed passenger carrying commercial aircraft operating on a regular scheduled route

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Accidental Death and Disablement (ADD)

Accidental Death and Disablement (ADD) is the benefit designed to provide the Participant or next-of-kin with a lump sum amount in the event of death or bodily injury from accidental causes before age 70.

Major Benefits Benefits Compassionate allowance of RM2,000 in the event of death due to accidental or natural causes ADD benefits as per the Schedule of Benefits

Indicative Contribution Rates Annual contribution per RM1,000 sum covered: For every RM1,000 sum covered: Class 1 & 2 RM1.84 Class 3 RM2.88 Class 4 RM4.03

Scale of Benefits Percentage of ADD Amount of Benefit Loss of life of the Participant 100% Total and Permanent Disability of the Participant 100% Total, Permanent and Irreversible:   Loss of two limbs 100% Loss of both hands or of all fingers and both thumbs 100% Loss of all sight in both eyes 100% Loss of hand at or above wrist 100% Loss of leg at or above ankle 100% Loss of all sight in one eye 100% Loss of all sight in one eye except perception of light 50% Loss of lens of one eye 50% Loss of speech 50% Loss of four fingers and thumb - right hand - left hand 70% 50% Loss of four fingers of - right hand - left hand 40% 40% Loss of thumb - both phalanges of a thumb - one phalanx of a thumb 30% 15% Loss of right finger - three phalanges of a finger - two phalanges of a finger - one phalanx of a finger 10% 7.5% 5% Loss of left finger - three phalanges of a finger - two phalanges of a finger - one phalanx of a finger 7.5% 5% 2% Loss of metacarpals - first or second (additional) - third, fourth or fifth (additional) 3% 2% Loss of all those on one foot 15% Loss of great toe - both phalanges of a great toe - one phalanx of a great toe 5% 2% Loss of other toe, each 2% Fractured leg or patella with established non-union 10% Scale of Benefits   Shortening of leg by at least 2.5cm 7.5% Loss of hearing - both ears - one ear 75% 15% Loss of whole ear - both - one 6% 3%

Important terms and conditions of the product Loss (other than the loss of life) shall be deemed to be Total and Irrecoverable Loss of Use. If the Participant is left-handed, the percentage of the various disabilities of the right hand and left hand will be transposed. "Total and Permanent Disability" means that if the disability, as a result of sustaining personal injuries by reason of an accident, has occurred: before the attainment of age 15, the Participant at such date of disability and at anytime thereafter, needs constant care and attention and is confined due to the accident to his/her home under medical supervision or in a hospital or similar institution. Such disability must be permanent and must last for a minimum period of six consecutive months; or on or after the attainment of age 15, the Participant at such date of disability and at anytime thereafter, comes completely unable to engage in any occupation and to perform any work for remuneration or profit Where the injury is not specified the Takaful Operator will adopt a percentage of disablement which in its opinion is not inconsistent with the provisions of the above Scale of Benefits. Double Indemnity: The Scale of Benefits, in lieu of being payable above will be doubled in the event that the Participant shall sustain bodily injury effected directly and independently of all other causes by a sudden, unintentional, unexpected, unusual and specific event that occurs at an identifiable time and place, which shall result in any of the specified losses within 12 months of the accident occurring: while the Participant is travelling in any public busses, taxis, trains and monorails over an established land route; or while the Participant is in an elevator car (excluding elevators in mines and construction sites); or in consequence of the fire of a burning theatre, hotel or other public building in which the Participant shall be at the commencement of the fire

Exclusions ADD Benefit will be payable provided that death, loss, medical reimbursement (if any) or disability was not directly or indirectly occasioned or accelerated: by war, invasion, act of foreign enemy hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power, direct participation in riot, strike or civil commotion; by any violation or attempted violation of the law or resistance to arrest; by attempted suicide or self-inflicted injuries while sane or insane; by pregnancy, childbirth, miscarriage or any complications thereof; by pre-existing physical or mental defect or infirmity; by engaging in or taking part in professional sports, scuba diving, racing of any kind, aerial flights (including bungee jumping, hang gliding, ballooning, parachuting and sky diving) other than as a crew member of or as a fare paying passenger on a licensed passenger-carrying commercial aircraft operation on a regular scheduled route or any hazardous activities or sports, unless agreed by special endorsement; by narcotic or drug unless taken as prescribed by a qualified doctor or physician or surgeon; by alcoholic intoxication

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