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