Tuesday, December 14, 2010

PruBSN Takaful : Takaful Health

Takaful Health

Takaful Health is all that you NEED:

Takaful Health is a regular contribution medical rider plan that reimburses major medical expenses incurred in the event of hospitalization, surgery or outpatient treatment. This plan also rewards certificate holders with No Claims Bonus (NCB) for those who do not make any claims for the year.

This plan is offered to individuals, aged 1 to 60 years old next birthday, who want a plan that not only takes care of their medical expenses but REWARDS them for staying healthy.

You can take up Takaful Health when you participate in Takafulink plan or Takafulink Cerdik plan.

The contribution that you pay for your Takaful Health plan is determined by your age, occupation class and plan type, subject to underwriting. The contributions are payable throughout the duration of the plan. Contributions need to be paid throughout the lifetime of the plan. Contributions can be paid yearly, half yearly, quarterly or monthly via Auto Debit, Credit Card, Cash or Cheque.

Takaful Health the plan that REWARDS you

You should be prepared for the unexpected even though you are healthy. With Takaful Health, we will take care of you should fall ill and reward you with an NCB if you do not make any claims for the year. The NCB will be paid into your Investment Unit Account (IUA) the following year. If you have chosen a higher plan, then the NCB that awaits you will be bigger.

Why limit the amount you can claim within a year? Attach the Annual Limit Waiver and this rider plan will waive the annual limit of your Takaful Health plan. Now, you don’t have to worry about any unexpected large medical claims.

Annual Limit Waiver can only be attached to Takaful Health 200, 300 and 400 plans. When the Annual Limit Waiver is attached, claims amount exceeding the annual limit will be subjected to a co-takaful amount of 10 %.

If you receive medical treatment overseas, the benefits are paid according to the costs of treatment that would be reasonably charged by a hospital in Malaysia. No benefit is paid if you overseas for more than 90 days per trip.

Eligible participant is entitled to receive 70% of the underwriting surplus arising from the Tabarru’ Fund at the end of each financial year if any, while the balance of 30% will be set as Contingency Reserve in the Tabarru’ Fund. The surplus will be distributed to the participants via a credit in to their Individual Special Account (ISA).

Any investment profit from ISA and Tabarru’ Fund will be shared between the participants and the Takaful Operator in the ratio of 70%:30%.

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