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Frequently asked questions

Do you have any queries? We’re here to help, whatever they may be.


  1. 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.

  2. 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.

  3. Will Great Eastern Life Assurance Malaysia Berhad cancel my medical plan if I apply for another medical plan with Great Eastern Takaful Berhad?
    No.

  4. 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).

  5. Can I appoint anyone as a nominee and trustee?
    Yes. You may appoint anyone as a trustee and nominee regardless of the interest.

  6. 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.

  7. Can a baby aged less than one month old be covered?
    No. The minimum entry age is one month old.

  8. Can a bankrupt participate in takaful?
    No.

  9. Can the spouse or company apply for takaful coverage (as proposer) for a bankrupt?
    No.

  10. 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.

  11. 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.

  12. What is the mode/method of payment I can select for my Takaful Plan?
    Please refer to table below for the available mode/method of payment.

    Method of Payment Mode of Payment Forms & Documents Required
    Yearly Half Yearly Quarterly Monthly
    Cash    
    Cheque    
    Banker's Order  
    Credit Card - Easi Pay Service Form
    GIRO (Autodebit) - Auto Debit Form : BSN, MBB, CIMB, RHB, PBB
    Biro Perkhidmatan Angkasa (BPA)      

    - 1/79 BPA Form

    - Certified true copy (CTC) payee NRIC

    - Certified true copy (CTC) payee latest salary slip

    Direct Debit Authorisation (DDA) - Direct Debit Authorisation Form
    For Credit Card/GIRO/BPA/DDA applications, please attach completed forms and documents as per selection. 

    For GIRO/BPA/DDA applications, 2 months advance contribution is required before submitting the application form.

    Some methods of payment may not be applicable depending on the Takaful Plans chosen.

    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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  1. Is takaful meant for muslims only?
    No, takaful is open to all regardless of religious beliefs. 

  2. 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).

  3. How do I reduce the sum covered?
    You may fill in an Application for Amendment form (to be completed by the certificate owner).

  4. 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.

  5. What documents do I need for a change mode/method of payment?
  6. here

  7. How can I make a complaint?
    You may visit our Customer Care page to file a complaint.

  8. 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.

  9. 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.

  10. 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.

  11. 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).
     
  12. 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.
       
  13. What are the benefits of e-payment?

    Convenience  

    Able to make/receive payment at unconventional locations 24 hours a day, 7 days a week, 365 days a year. Eliminates the need to travel and deposit the cheque at the bank as payments are credited directly into your bank account.   
                                
    Cost Saving
    e-payment transaction cost less in comparison to cheque where there are costs incurred such as postage, cheque writing fees and trips to Great Eastern Takaful, bank or post office.

    Speed
    e-payments will reduce the amount of time that you spend on cheque writing and mailing. Funds are available within 2-3 working days from payment approval date (subject to the recipient bank's processing time).                                                

    Security
    e-payment is secured by means of encryption. It is a safe payment channel as you will avoid having to carry cash.   
                                                                                
    Any charges imposed for e-payment service?                             
    No, you can enjoy this service for free.   
                                                                   
    Will my personal data be safe and remain confidential?             
    Your banking information will be used solely for the purpose of e-payment service. All your personal information is governed by Islamic Financial Services Act 2013 (IFSA 2013) and Personal Data Protection Act 2010 (PDPA).
     
  14. What is Direct Credit Facility?

    How do I apply to receive funds via e-payment?

    You have to complete and submit to Great EasternTakaful the Direct Credit Facility Form. (Click here to download/print the form).

    What type of banking account is eligible for e-payment?
    Saving or Current accounts with MEPS Inter-Bank GIRO (IBG) service where you are the primary account holder.This e-payment service is not available for overseas bank accounts and any joint account where you are not the primary account holder.        

    For the latest participating banks for e-payment, please visit http://www.paynet.my/interbank-GIRO/banks-tpa.html  

    When will my bank account be credited?
    Upon approval of your certificate transaction, payment will be credited to your account between 2-3 working days subject to successful bank transfer.                                                                                                                                              
    Will I be notified when the fund is credited successfully into my account?
    Yes, you will receive email notification upon successful crediting of funds into your bank account, provided you have given your email address to Great Eastern Takaful for e-payment notification.   
                                                                                    
    What happens if my e-payment transaction is not successful?
    If your e-payment transaction is not successful, Great Eastern Takaful reserves the right to make payment via another e-payment attempt or via cheque. Reasons for unsuccessful credit to your bank account can be due to invalid bank account number, closed or inactive bank account, different identification number, or if you are not the primary bank account holder. Therefore, kindly ensure that your banking information submitted to Great Eastern Takaful is correct and up-to-date.

    Do I need to apply for e-payment every time I made a transaction with Great Eastern Takaful?
    No. You are only required to apply once for this facility. Your banking information will be used for all fund transfer transactions for the same certificate(s) in the future; and shall continue to be used until you inform to revoke your instructions for this e-payment facility or you have provided Great Eastern Takaful with new banking information.

    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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  1. 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.

  2. 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.

  3. 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

  4. 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 
    • Doctor's statement

    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)

  5. 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.

  6. What are the requirements for commonly claimed critical illnesses?
  7. 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 

  8. 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

  9.  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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Contribution Channel Facilities

            Contribution Channel
Over-The-Counter Cash
Cheque
Credit Card
Automated Payment      Credit Card (EasiPay)
GIRO (Autodebit)
Biro Perkhidmatan Angkasa (BPA)
Direct Debit Authorisation (DDA)
Standing Instruction Banker's Order
Internet Banking JomPAY
Internet Banking


Over-The-Counter

Direct Payment:
If you prefer to make your payment personally, you can visit our counter at Great Eastern Malaysia's branches.

Mail to us:
Cheques should be crossed and made payable to "Great Eastern Takaful Berhad" and your certificate number, name and phone number should be written at the back of the cheque. Please mail it to:

Great Eastern Takaful Berhad
P.O Box 13042
50796 Kuala Lumpur
Malaysia


Automated Payment

It is simple, secured and convenient. By using Automated Payment, we will automatically deduct your contribution from your bank account or credit card.

Method of Payment Panel Banks Forms & Documents Required Remark
Credit Card (EasiPay) VISA/Mastercard issued by a Malaysian bank Easi Pay Service Form  
GIRO (Autodebit)
  • Malayan Banking Berhad
  • Public Bank Berhad
  • RHB Bank Malaysia
  • Bank Simpanan Nasional
  • CIMB Bank Berhad
Autodebit form (BSN, MBB, CIMB, RHB, PBB)
  • Form is available at participating banks (BSN, MBB, CIMB, RHB, PBB)
  • BSN & CIMB Application Form must be verified and approved by the bank first before submission
Biro Perkhidmatan Angkasa (BPA)  
  • 1/79 BPA Form
  • Certified true copy (CTC) payee NRIC
  • Certified true copy (CTC) payee latest salary slip
  • Only available for payee whom are employed with government bodies
Direct Debit Authorisation (DDA) 13 participating banks (click here for details) Direct Debit Authorisation Form Only available for savings and current account. 
Terms & Conditions apply

Upon subscribing to Automated Payment service, you are advised to follow the safety measures below to ensure continuous coverage of your takaful certificate:

To check your credit card or bank account number is correctly registered as per your instructions.
To check your credit card or bank account statement regularly to detect if there are any irregularities with regarrs to the contribution deduction.
If you suspect any unauthorised deductions had been made to your account or other irregularities concerning your contribution deductions, you should notify your bank and Great Eastern Takaful Berhad immediately.

Participating Banks for Direct Debit Authorisation (DDA) Method of Payment


No.
Bank Name Bank Abbreviation
1 CIMB Bank Berhad CIMB
2 Bank Islam Malaysia Berhad BIMB
3 Bank Kerjasama Rakyat Malaysia Berhad BKRM
4 Citibank Berhad CITI
5 Deutsche Bank Malaysia Berhad DBB
6 Hong Leong Bank Berhad HLBB
7 HSBC Bank Malaysia Berhad HSBC
8 Malayan Bank Berhad MBB
9 OCBC Bank Malaysia Berhad OCBC
10 Public Bank Berhad PBB
11  RHB Bank Berhad RHB
12  Standard Chartered Bank Malaysia Berhad SCB
13 Bank of America Merrill Lynch

BOFA

 


Standing Instruction

For standing instruction service, please liaise and arrange with your bank.


Internet Banking

JomPAY

You can pay contribution online free of charge via the Current or Savings account by following the simple steps as shown below:

Step 1 Log on to Internet or Mobile Banking and look for JomPAY
Step 2 Enter 16899 in the Biller Code field for GREAT EASTERN TAKAFUL - FAMILY
Step 3 Enter your 10-digit Certificate Number in "Ref-1"
eg: 4004000000
Step 4 Enter your Mobile Phone Number in "Ref-2"
Step 5 Enter your Contribution Amount
Step 6 Add Biller as "Favourite"

For the list of participating banks, please refer http://www.jompay.com.my


Internet Banking

You can pay your contribution via internet-banking. If you have an account in any one of these banks, you can log on to their website and pay online.

Malayan Banking Berhad www.Maybank2U.com.my
Public Bank Berhad www.PbeBank.com.my
CIMB Bank www.cimbclicks.com.my

Click here for Internet Banking Guideline

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