GET-SME | Comprehensive Medical Coverage for Employees and Their Families

1. GET-SME is a yearly renewable contribution group takaful package product(s) designed to meet the requirements of the small company/organisation (i.e. Small and Medium Enterprise, (SME)) in providing adequate coverage for the employees/members.
2. You should be convinced that this plan will best serve your needs and that the contributions payable under the certificate are affordable by you.
3. If the Contribution is not paid within the Grace Period of 30 days, the Certificate will lapse.
4. A "free-look period" of 15 days from the delivery date of the certificate is given for you to review the suitability of the plan. If the certificate is returned to the Takaful Operator during this period, the Takaful Operator shall refund an amount equal to the amount of contribution paid less medical expenses incurred for medical examinations (if any).
5. You may receive a pro-rated amount of contribution (if any) upon termination or expiry of this plan. No benefit will be payable from Tabarru' Fund.
6. If you switch your certificate from one Takaful Operator to another or if you replace your current certificate with another certificate within the same Takaful Operator, you may be required to submit an application where the acceptance of your proposal will be subject to the terms and conditions to be imposed at the time of switching or replacement.

This information is for general information only. You are advised to refer to the Product Disclosure Sheet and sample certificate for detailed features and benefits of the plan before participating in the plan.