For choosing Takaful IKHLAS General Berhad as your Travel cover Takaful provider.
The Takaful Participant and the Company hereby agree that:
Consumer Takaful Contracts (Takaful wholly for purposes unrelated to Your trade, business or profession)
Non - Consumer Takaful Contracts (Takaful for purposes related to Your trade, business or profession)
Under this Takaful Certificate:
It is hereby declared and agreed that this Takaful Certificate shall provide compensation in the event as described in the certificate during your travelling within the Period of Takaful, provided all trips must commence in Malaysia.
Benefit | Sum Covered (RM) |
---|---|
Accidental Death / Total Permanent Disablement | 25,000.00 |
Partial Permanent Disablement | Up to 25,000.00 |
Medical Expense Reimbursement | Up to 2,000.00 |
Loss and damage to Luggage (excludes jewelry, electronics and cash) | Upto 500.00 |
EVENT | EVENT Accidental bodily injury suffered by the Person Covered resulting from an event or incident that occurs which is unforeseen and unexpected which resulting directly or indirectly from the deliberate actions or intentions of a person or persons over which the life had no control and result in death or permanent disablement. | |
---|---|---|
RESULT | DESCRIPTION | BENEFIT |
1 | Death | Amount stated as per Schedule |
Permanent Disablement resulting in: | ||
1 | Loss of two limbs | 100% |
2 | Loss of both hands or of all fingers and both thumbs | 100% |
3 | Total Loss of sight of both eyes | 100% |
4 | Total paralysis | 100% |
5 | Injuries resulting in being permanently bedridden | 100% |
6 | Any other injury causing permanent total disablement | 100% |
7 | Loss of arm at shoulder | 100% |
8 | Loss of arm between shoulder and elbow | 100% |
9 | Loss of arm at elbow | 100% |
10 | Loss of arm between elbow and wrist | 100% |
11 | Loss of hand of wrist | 100% |
12 | Loss of leg - at hip - between - below knee | 100% 100% 100% |
13 | Eye: Loss of - whole eye sight | 100% |
14 | One sight of, except perception of light | 50% |
15 | Loss of four fingers and thumb of one hand | 50% |
16 | Loss of four fingers | 40% |
17 | Loss of thumb - both phalanges - one phalanx | 25% 10% |
18 | Loss of index finger - three phalanges - two phalanges - one phalanx | 15% 8% 4% |
19 | Loss of middle finger - three phalanges - two phalanges - one phalanx | 10% 4% 2% |
20 | Loss of ring finger - three phalanges - two phalanges - one phalanx | 8% 4% 2% |
21 | Loss of little finger - three phalanges - two phalanges - one phalanx | 6% 4% 2% |
22 | Loss of metacarpal - first or second (addittional) - third, fourth or fifth (additional) | 3% 2% |
23 | Loss of all toes - of one foot - two phalanges of great toe - one phalanx of great toe - any other toe | 18% 6% 3% 3% |
24 | Total and Loss of Hearing - both ears - one ears | 75% 15% |
25 | Total and Permanent Loss of Speech member | 50% |
The Proposal including all future or subsequent Proposal or Schedule thereof shall be read together and shall form as an integral part of this Takaful Certificate. Any word or expression to which a specific meaning has been attached in any part of the Proposal, in the Schedule, or the Takaful Certificate shall bear such meaning wherever it may appear.
The duty of disclosure is different for a Consumer Takaful Certificate and for a Non-Consumer Takaful Certificate. They are separately outlined below:
Every notice or communication to be given or made under this Takaful Certificate shall be delivered in writing to the Head Office or any Branch Office of the Company. No changes in this Takaful Certificate shall be valid unless approved by the Company and duly endorsed by an authorized representative of the Company.
The Person Covered shall not be less than one (3) years old or more than sixty-nine (69) years old at the time of the application.
This Takaful Certificate shall be automatically null and void when:
Payment of any sum made by the Company shall be a valid discharge of liability to the Company and shall release the Company of all claims and demands whatsoever in respect thereof.
Person Covered is not entitled for a refund of contribution in the event of cancellation of cover.
Payment of the Takaful Contribution paid by the Person Covered as shown in the Schedule shall be placed in the GRIA where the Company will manage according to the Wakalah principle as defined by the Company and in accordance with Shariah principles. The Company will charge up to 80% of the Takaful Contribution as an upfront Wakalah Fee and the balance shall be allocated into the Risk Fund at inception for Tabarru' charges and be used to help other Takaful Participants in time of misfortune.
The due observance and fulfillment of the terms, conditions and endorsements of this Takaful Certificate in so far as they relate to anything to be done or complied with by the Person Covered and the truth of any statement or declaration in the Proposal and Declaration shall be deemed conditions precedent to any liability of the Company for which compensation is payable.
This Takaful Certificate including all its Proposals and Schedules is subject to Bank Negara Malaysian guidelines or any at other subsidiary legislation, rules, regulation, directions or orders from other regulatory authority.
Time wherever mentioned in this Takaful Certificate, shall be of the essence of the agreement.
No assignment of interest under this Takaful Certificate shall be binding on the Company unless agreed to by the Company and save further, where a certified true copy of the assignment and the original Takaful Certificate is furnished to the Company at the head Office.
Any contributions, fees and/or monies payable under this Takaful Certificate are subject to any taxes, levies, or charges imposed by the relevant authorities in Malaysia unless otherwise stated.
This Takaful Certificate is not intended to and does not cover:
THIS TAKAFUL CERTIFICATE AND ITS CONDITIONS SHOULD BE EXAMINED IMMEDIATELY UPON RECEIPT HEREOF BY THE TAKAFUL PARTICIPANT AND IF INCORRECT RETURNED AT ONCE FOR ALTERATION. AND THE TAKAFUL PARTICIPANT CONTINUANCE SUBSCRIPTION OF THE TAKAFUL COVERAGE PLANS DEEMED AS THE TAKAFUL PARTICIPANT ACCEPTANCE AND AGREE TO BE BOUND AND UNDERSTOOD THE TERMS AND CONDITIONS OF THIS TAKAFUL CERTIFICATE.
We care about the service that we provide for our customers, and our staff makes every effort to maintain as high a standard as possible. In the event that we do not meet your expectations and you are dissatisfied in some way, we would like to know and would ask you to write to our:
Customer Relationship Management,
Takaful IKHLAS General Berhad, IKHLAS Point,
Tower 11A, Avenue 5, Bangsar South,
No. 8 Jalan Kerinchi,
59200 Kuala Lumpur
Tel: 03-27239999
Fax: 03-27239998
E-mail: complaints@takaful-ikhlas.com.my
For legal notices to be considered as properly served or any official correspondences, please send to:
Takaful Ikhlas General Berhad, IKHLAS Point, 9th Floor, Tower 11A, Avenue 5, Bangsar South, No. 8 Jalan Kerinchi, 59200 Kuala Lumpur. Attention to: President and Chief Executive Officer
QOALA
Qoala Support
Tel : +60-1548-771-038
E-mail : cs@qoala.my
CatchThatBus
CatchThatBus Support
Tel : +603-92121818 (MY)
Tel : +65-31633300 (SG)
E-mail : sales@catchthatbus.com
We will make sure that your case is examined thoroughly. If you are still not satisfied with the decision of the Company, you may then refer the case to the Ombudsman for Financial Services within six (6) months from the final decision of the Company. The address is as follows:
Ombudsman for Financial Services (664393P) (formerly known as Financial Mediation Bureau) Level 14, Main Block Menara Takaful Malaysia No. 4, Jalan Sultan Sulaiman 50000 Kuala Lumpur Tel: 603-2272 2811 Fax: 603-2272 1577 E-mail: enquiry@ofs.org.my Website: www.ofs.org.my |
Contact Centre (BNMTELELINK) Laman Informasi Nasihat dan Khidmat (LINK) Bank Negara Malaysia P.O. Box 10922 50929 Kuala Lumpur Tel : 1-300-88-5465 (1-300-88-LINK) Fax : +603-2174-1515 E-mail: bnmtelelink@bnm.gov.my |