Friday 2 December 2011

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Hospital Benefit

  • Friday 2 December 2011
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  • 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 35RM58
    Aged 45RM87
    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
        SeverityAmount of Surgical Procedure Benefit Payable
        15%
        210%
        320%
        430%
        550%
        675%
        7100%
    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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