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.