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