Prudential BSN Takaful : What is Accidental Death and Disablement (ADD) ?

Accidental Death and Disablement (ADD) is the benefit designed to provide the Participant or next-of-kin with a lump sum amount in the event of death or bodily injury from accidental causes before age 70.

Major Benefits and Indicative Contribution Rates

Benefits Compassionate allowance of Rm2,000 in the event of death due to accidental or natural causes ADD benefits as per the Schedule of Benefits Annual contribution per RM1,000 sum covered: Class 1 & 2 Class 3 Class 4 RM1.84 RM2.88 RM4.03

Scale of Benefits Percentage of ADD Amount of Benefit Loss of life of the Participant 100% Total and Permanent Disability of the Participant 100% Total, Permanent and Irreversible: Loss of two limbs 100% Loss of both hands or of all fingers and both thumbs 100% Loss of all sight in both eyes 100% Loss of hand at or above wrist 100% Loss of leg at or above ankle 100% Loss of all sight in one eye 100% Loss of all sight in one eye except perception of light 50% Loss of lens of one eye 50% Loss of speech 50% Loss of four fingers and thumb - right hand - left hand 70% 50% Loss of four fingers of - right hand - left hand 40% 40% Loss of thumb - both phalanges of a thumb - one phalanx of a thumb 30% 15% Loss of right finger - three phalanges of a finger - two phalanges of a finger - one phalanx of a finger 10% 7.5% 5% Loss of left finger - three phalanges of a finger - two phalanges of a finger - one phalanx of a finger 7.5% 5% 2% Loss of metacarpals - first or second (additional) - third, fourth or fifth (additional) 3% 2% Loss of all those on one foot 15% Loss of great toe - both phalanges of a great toe - one phalanx of a great toe 5% 2% Loss of other toe, each 2% Fractured leg or patella with established non-union 10% Scale of Benefits Percentage of ADD Amount of Benefit Shortening of leg by at least 2.5cm 7.5% Loss of hearing - both ears - one ear 75% 15% Loss of whole ear - both - one 6% 3%

Important terms and conditions of the product

Loss (other than the loss of life) shall be deemed to be Total and Irrecoverable Loss of Use.

If the Participant is left-handed, the percentage of the various disabilities of the right hand and left hand will be transposed.
"Total and Permanent Disability" means that if the disability, as a result of sustaining personal injuries by reason of an accident, has occurred:

a) before the attainment of age 15, the Participant at such date of disability and at anytime thereafter, needs constant care and attention and is confined due to the accident to his/her home under medical supervision or in a hospital or similar institution. Such disability must be permanent and must last for a minimum period of six consecutive months; or

b) on or after the attainment of age 15, the Participant at such date of disability and at anytime thereafter, comes completely unable to engage in any occupation and to perform any work for remuneration or profit.

Where the injury is not specified the Takaful Operator will adopt a percentage of disablement which in its opinion is not inconsistent with the provisions of the above Scale of Benefits.


Double Indemnity: The Scale of Benefits, in lieu of being payable above will be doubled in the event that the Participant shall sustain bodily injury effected directly and independently of all other causes by a sudden, unintentional, unexpected, unusual and specific event that occurs at an identifiable time and place, which shall result in any of the specified losses within 12 months of the accident occurring:

a) while the Participant is travelling in any public busses, taxis, trains and monorails over an established land route; or

b) while the Participant is in an elevator car (excluding elevators in mines and construction sites); or

c) in consequence of the fire of a burning theatre, hotel or other public building in which the Participant shall be at the commencement of the fire.

Exclusions

ADD Benefit will be payable provided that death, loss, medical reimbursement (if any) or disability was not directly or indirectly occasioned or accelerated:

i. by 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 riot, strike or civil commotion;

ii. by any violation or attempted violation of the law or resistance to arrest;

iii. by attempted suicide or self-inflicted injuries while sane or insane;

iv. by pregnancy, childbirth, miscarriage or any complications thereof;

v. by pre-existing physical or mental defect or infirmity;

vi. by engaging in or taking part in professional sports, scuba diving, racing of any kind, aerial flights (including bungee jumping, 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 operation on a regular scheduled route or any hazardous activities or sports, unless agreed by special endorsement;

vii. by narcotic or drug unless taken as prescribed by a qualified doctor or physician or surgeon;

viii. by alcoholic intoxication.