- What are the documentations required to participate in takaful?
You are required to submit a certified true copy of IC/birth certificate (if child), proposal form, e-confirmation form, customer fact finding, and agent's confidential report.
- I already have an existing medical plan with Great Eastern Life Assurance Malaysia Berhad. Can I apply for a medical plan with Great Eastern Takaful Berhad?
Yes, you can apply.
- Will Great Eastern Life Assurance Malaysia Berhad cancel my medical plan if I apply for another medical plan with Great Eastern Takaful Berhad?
No.
- Can I appoint myself as a trustee under takaful?
No. Self-trustee is not applicable in takaful. A trustee will only act as an executor and will distribute the proceeds according to the Faraid Law (for muslims) or Hibah (for muslims and non muslims).
- Can I appoint anyone as a nominee and trustee?
Yes. You may appoint anyone as a trustee and nominee regardless of the interest.
- When should the agent give a photocopy of the Customer Fact Finding (CFF) to his client?
The agent should give a photocopy of the CFF to his client before submitting the proposal, CFF and Confirmation of Advice (CA) forms to the Company for proposal registration.
- Can a baby aged less than one month old be covered?
No. The minimum entry age is one month old.
- Can a bankrupt participate in takaful?
No.
- Can the spouse or company apply for takaful coverage (as proposer) for a bankrupt?
No
- Can a pregnant woman participate in a medical plan with Great Eastern Takaful Berhad?
No. We will only consider the application one month after delivery.
- Who is excluded from having a medical plan?
- Child below one month old.
- Pregnant women.
Note: Applicants with health problems will be subjected to medical underwriting.
- What is the mode and frequency of payment?
You may pay your contribution either via Easi-Pay or GIRO on monthly, quarterly, half-annually, annually, or via cash/cheque on annual mode.
(Note: For credit card (Easi-Pay), a two-month contribution will be deducted. For GIRO, a two-month contribution is required to be paid in cash.)
Note: The items listed may not be exhaustive and the company reserves the right to request for further information/documents.
If you are a customer, kindly visit our Customer Portal at www.igetintouch.com.my. For agent, please visit our Agency Portal at www.i-greatpartner.com.my or contact our careline at 1 300 13 8338.
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- Is takaful meant for muslims only?
No, takaful is open to all regardless of religious beliefs.
- How do I increase the sum covered?
You may fill in an application form for Inclusion/Addition/Alteration of Assurance form (duly completed by certificate owner).
- How do I reduce the sum covered?
You may fill in an Application for Amendment form (to be completed by the certificate owner).
- What should I do if I want to change my nominee(s)?
You may fill in an appointment/Change of Nominee and Appointment/Change of Trustee(s) form. The new application will supersede the previous/first application.
- What documents do I need for a change of mode or frequency of payment?
- Written request from the certificate owner, or
- Request for Alteration form (to be completed by the certificate owner)
- What is Easi-Pay?
Easi-Pay is a standing instruction facility for payment of contribution via VISA/Mastercard.
- How can I make a complaint?
You may visit our Customer Care page to file a complaint.
- How can I pay for my contributions?
You can pay your contributions either by cash, cheque, Easi-Pay (credit card), banker's order or through the GIRO facility.
- Do I have to surrender my certificate should I decide to change the investment fund?
No. What you can do is to switch funds. However, there will be a fee imposed.
- Would I be entitled to personal tax relief when I participate in investment-linked takaful?
Yes, you will be eligible for personal tax relief when you participate in investment-linked takaful.
- If I surrender or lapse an existing Takaful certificate to replace it with another (by the same or a different Takaful operator) will I lose out?
- The new certificate will usually require a higher contribution based on your current age.
- You may need to pay an extra contribution or be denied takaful coverage if there are changes to your health.
- In most medical and critical illness certificates, the waiting period (the duration when no claim is payable) resumes from the certificate issue date or reinstatement date, whichever is later.
- What is money laundering?
Money laundering involves transactions intended to disguise the true source of funds, disguise the ultimate disposition of the funds, eliminate any audit trail and make it appear as though the funds came through legitimate sources, and evade income taxes.
Note: For further information, you may refer to the Anti-Money Laundering and Anti-Terrorism Financing Act 2001 (Act 613).
- What is Portfolio Withrawal Condition
Portfolio Withdrawal is a clause that provides the Takaful Operator under specific conditions the right to stop offering a medical plan (riders included) by giving you advance written notification.
What does the removal of this clause mean to you?
By removing this clause from your certificate, the Company will continue to offer you medical coverage so long as the certificate is in force.
What are the products involved?
| No |
Product Name |
Plan Code |
|---|
| 1 |
i-Medik Rider* |
A410 - A414
|
| 2 |
i-Medik Plus Rider
|
J1 - J3
|
| 3 |
i-Medik Xtra Rider
|
J27-J30
|
| 4 |
i-Medik Xtender Rider
|
J33-J37
|
| 5 |
i-Hospitalisation Benefits Rider*
|
A409*
K5
|
*For certificate inforced from 31st December 2011 onwards
When will the removal of this clause be effective?
The removal clause for all the products mentioned above will end immediately.
- How do I manage my Takaful contributions?
To provide you with the freedom and flexibility of managing your Takaful contributions, we have arranged several options for you via the following methods
- Maybank2u
- CIMB Clicks
- Public Bank
- What are the benefits of e-payment?
- What is Direct Credit Facility?
Note: The items listed may not be exhaustive and the company reserves the rights to request for further information/documents.
If you are a customer, kindly visit our customer portal at www.igetintouch.com.my. For agents, please visit www.i-greatpartner.com.my or contact our careline at 1 300 13 8338.
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- What is a suicide clause?
This clause stipulates that no claim is payable in the event of death due to suicide, whether sane or insane, within one year from inception of certificate or from date of any reinstatement.
- What is a contestable period?
Within the first certificate year, the takaful operator has the right to void the certificate due to non-disclosure without the need to prove fraud or material misrepresentation.
- Who can certify claims documents?
- Claims/Branch Officer
- Commissioner for Oaths
- Notary Public
- Advocate & Solicitor
- Justice of Peace
- Member of Parliament
- Ketua Balai Polis
- Penghulu
- District Officer
- How do I submit a death claim?
Death Claim Requirement List:
- Death Claim form
- Original certificate contract
- Death Certificate/Burial Permit
- Statutory Declaration (if certificate/assignment is lost or destroyed)
- Deed of Assignment
Death due to Illness
Death due to Accident
- Accidental Death Benefit Claim form
- Police report/Police Investigation report
- Post-mortem report
- Toxicology report (if applicable)
Foreign Death
- The Death Certificate has to be certified by the Malaysian Embassy or Consulate
Others
- Proof Of Deceased's Age (NRIC/Passport/Birth Certificate)
- Proof of Relationship between Deceased & Claimant (Marriage Certificate/Children's Birth Certificate)
- Letter of Authorisation/Consent (completed by the Next-of-Kin)
- Authorisation to Collect Claim(s) Payment Cheque(s)
- What are the Activities of Daily Living (ADL)?
Activities of Daily Living are routine activities carried out for personal hygiene and health (eg. dressing, feeding, mobility, toileting, transferring and washing), which are essential to independent living.
- What are the requirements for commonly claimed critical illnesses?
| Illness |
Medical Evidence |
|---|
| Cancer |
Histopathology report |
| Stroke |
CT Scan/MRI Scan |
| Heart Attack |
Cardiac enzyme (Troponin T, CK, CKMB), ECG, Echocardiogram report |
| Coronary Artery Bypass Surgery |
Coronary artery bypass report, Angiogram report, and Echocardiogram report |
| Other Serious Coronary Artery Disease |
Angiogram report and Echocardiogram report |
| Kidney Failure |
Dialysis report, Ultrasound or CT Scan report, Renal function test, Urinalysis |
| Benign Brain Tumour |
Histopathology report or CT Scan/MRI report |
| Brain Surgery |
Craniotomy/Brain surgery report, CT Scan report |
- What are some common reasons for a takaful operator to refuse a claim?
- Material non-disclosure
- Certificate not inforce
- Lapsed after grace period (usually in the first three years of inception)
- Expired due to cash value exhaustion
- Suicide within one year of inception
- Hospitalisation or Covered Event took place within waiting period
- Event falls under an excluded risk
- Hospitalisation due to alcoholism or substance abuse
- Event not within scope of coverage
- No hospital admission, only outpatient treatment
- Condition due to illness and not accident
- Event occurred before certificate commencement date
- Disability or illness does not meet certificate definitions or terms and conditions
- Where do I obtain the claim form?
Claim form is available at our branches and Customer Service Centre. You may contact your servicing agent or our customer service at 1 300 13 8338 for assistance.
Note: The items listed may not be exhaustive and the company reserves the rights to request for further information/documents.
If you are a customer, kindly visit our Customer Portal at www.igetintouch.com.my. For agent, please visit our Agency Portal at www.i-greatpartner.com.my or contact our careline at 1 300 13 8338.
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Malaysia (Takaful)
