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Frequently Asked Questions

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  1. Why is there a revision in the Tabarru’ Charges?
    Revision of Tabarru’ Charges (i.e. repricing) is mainly driven by deteriorating claims experience that is due to rising medical costs, increase in diagnosis of chronic or lifestyle diseases which leads to higher frequency of people seeking healthcare treatments, increase in doctor’s fees or laboratory charges and new/more advanced medical treatments and prescription of drugs. 

    As claims are paid from the Tabarru’ Fund, the rising trend of claims has reduced the Tabarru’ Fund considerably and it may not be sufficient to cover future claims. Tabarru’ Charges for respective medical plan will need to be revised to ensure its sustainability. Without the repricing exercise, Tabarru’ Fund may deplete and we will not be able to pay for future claims.

  1. Why is there an increase to my Tabarru’ Charges and/or contribution amount when I have not made any claims under my medical plan?
    Takaful is based on the Tabarru’ concept where a portion of the contribution collected is donated to the Tabarru’ Fund to provide payment for claims.

    As a result, all participants will be affected in order to ensure the Tabarru’ Fund will be able to sustain the claim payout for all participants. This is aligned with the mutual cooperation concept to help one another in the event of misfortune regardless of you having made any claims before.

  1. Is Great Eastern Takaful Berhad legally allowed to revise the Tabarru’ Charges?
    Yes. The Tabarru’ Charges are not guaranteed and are subject to revision.

    Great Eastern Takaful Berhad may vary these charges by giving advance written notice to You and/or Person Covered as mentioned under ‘Allowances to Vary the Charges’ Clause or ‘Variation of Contribution, Tabarru’ Rates, and Other Charges’ Clause under your Certificate.

  1. When will the new Tabarru’ rate take effect?
    The new Tabarru’ rate will take effect on your Certificate anniversary date on or after 22 July 20241.

    Example 1:

    Next Anniversary Date:  20 June 2024.
    The new Tabarru’ rate will effective from 20 June 2025.

    Example 2:

    Next Anniversary Date:  27 August 2024. 
    The new Tabarru’ rate will effective from 27 August 2024.

    Example 3:

    Next Anniversary Date:  22 July 2024.
    The new Tabarru’ rate will effective from 22 July 2024.


    For reinstatement on or after 22 July 20241, the new Tabarru’ amount will be effective immediately after the reinstatement.


  2. 1For i-Medi Rider under i-Great Evo, the new Tabarru' rate will take effect on your Certificate anniversary date on or after 15 August 2024

  1. Will the revision happen again in the future?
    We will continue to review our medical portfolio regularly against the rising healthcare costs to ensure the Tabarru’ Fund can be sustained in the long run and you can enjoy continued medical protection. You will be notified accordingly if there is a need for any revision in the future.

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  1. Are there any changes to the terms and conditions of my Certificate?
    This revision is made mainly on the Tabarru’ Charges. All other terms and conditions of the Certificate remain unchanged.

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  1. Why do I need to pay the additional contribution / recommended top-up?*
    The additional contribution / top-up is required to cover the increased Tabarru’ deductions of your medical plan(s).

    If you do not pay the additional contribution or do not perform contribution top-up to your Certificate after this revision, it is possible that your Certificate may lapse earlier than expected.

    *For i-Medik Asas and i-Great Medi Care, the contribution incremental is mandatory upon Certificate anniversary after 22nd July 2024.

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  1. Can I opt to increase my contribution to an amount other that the one suggested?* 

    Yes, you can increase your contribution by any amount subject to minimum RM20 (monthly).

    However, we encourage you to pay at least the suggested top-up contribution so that your Certificate Account Value [i.e. Total Account Value (TAV) or Participant’s Individual Account (PIA)] will be sufficient to pay for the higher Tabarru’ Charges.  Otherwise, your Certificate will lapse when the TAV or PIA is depleted. 

    Example on the following Male, Non Smoker Age Next Birthday (ANB) 32, Plan 200 Expiry at 80, Current monthly contribution RM 193.35

Top Up Amount 

Projection on Certificate Sustainability Age 
RM80 (Suggested Top Up Contribution) ANB 80 (original expiry)
RM40 Until ANB 72 only
RM20 Until ANB 68 only

Projection is assuming investment retrun of 5% every year. The actual returns is subject to company's performance. 


*For i-Medik Asas and i-Great Medi Care, the contribution incremental is mandatory upon Certificate anniversary after 22nd July 2024.

  1. When do I need to pay for the additional contribution/recommended top-up?*
    If The proposed additional contribution / recommended top-up is optional and can be increased anytime, however it is advisable to increase it as soon as possible on your Certificate next due date once you receive our communication letter.

    However, if your contribution payment is not up-to-date, you will need to pay all the outstanding contributions first before you top up with the additional contribution.

    *For i-Medik Asas and i-Great Medi Care, the contribution incremental is mandatory upon Certificate anniversary after 22nd July 2024.

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  2. What if my outstanding contribution is more than what I could afford but I would like to increase my contribution to ensure the sustainability?
    If affordability is an issue, you may opt to perform Single Contribution Top-up (SCTU) with a minimum of RM1,000 each time to avoid your Certificate from lapsing earlier than expected.

  1. Will the cash value / account value of my Certificate increases with the additional contribution / recommended top-up paid due to the repricing?
    The cash value / account value likely will increase with the additional contribution / recommended top-up during initial years, however, the increase in cash value / account value will subsequently reduce in later years as future Tabarru’ deduction will be increasing over the years according to your age.

    Example on the following Male, Non Smoker ANB 30, Plan 150 Expiry 80, Current monthly contribution RM 165.25

    Proposed monthly top up contribution = RM 70
    New monthly contribution = RM 235.25

From the illustration above, we can see the cash value increasing over the years, but at a certain point, it will start to reduce as the Tabarru' amount deducted has becoming much higher over the time. Projection is assuming investment return of 5% every year. The actual returns is subject to company’s performance

  1. My Certificate’s contribution payment has already been waived via the Provider / Contributor rider attached to it. Why do I still need to pay the recommended additional contribution / top-up due to the repricing? 
    The contribution waived under your current Certificate does not reflect the revised Tabarru’ rates upon the effective date of repricing and may not be sufficient to cover for future Tabarru’ deductions. Hence, you are recommended to pay the additional contribution / top-up to ensure your Certificate’s sustainability up until maturity.

    The revision of Tabarru’ rates affect all of the participants in the Tabarru’ Fund to ensure fairness in terms of the Tabarru’ charged despite the Certificate status. 

  1. How do I make payment if I have decided to increase the contribution amount? 
    If customer decided to increase contribution amount, the below are some of the action that customer need to take after submission of reply slip - Authorisation Form.

Current Contribution Method 

Action Needed
Cash/Cheque

As we do not accept cash/cheque payment anymore. You are advised to proceed with the payment through JomPAY, internet banking or Pay Now (ePay). Pay Now is a facility for Certificate owner to make payment via self-servicing platform (i-Get In Touch).
 

Customer may refer guide below on the payment via JomPAY:

Step 1: Login 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" field

Step 4: Enter Mobile Phone Number in "Ref-2" field

Step 5: Enter your Payment Amount 

Step 6: Confirm and Pay
 

Alternatively, you may change the payment method to credit/debit card, GIRO or Direct Debit Authorisation (DDA).

Bank's Order You need to liaise with the bank of his/her choice to proceed with the revised contribution amount payment.
Biro Perkhidmatan Angkasa (BPA)
  • If the increase contribution amount is below RM50.00, no action needed.

  • If the increase contribution amount is above RM50.00, the latest pay slip is required to be submitted together with the signed Authorisation Form. It will take about 1 month to obtain the approval from BPA. Meanwhile, you may make payment via JomPAY, internet banking or Pay Now (ePay). Pay Now is a facility for Certificate owner to make payment via self-servicing platform (i-Get In Touch).
Credit Card/Debit Card There is no action required. The credit/ debit card will be billed according to the revised contribution amount.
Direct Debit Authorisation (DDA)

If you have indicated an amount which is lesser than revised contribution amount in your previous DDA form, please submit a fresh DDA form. It will take about 2 months to obtain the approval from the bank. Meanwhile, you may make payment via JomPAY, internet banking or Pay Now (ePay). Pay Now is a facility for Certificate owner to make payment via self-servicing platform (i-Get In Touch).

 

 


  1. How to send the complete Authorisation Form to GETB?
    Customer can submit complete Authorisation Form to GETB via either one of the following options: 
    • Choose their preferred option via WhatsApp channel from 19 July 2024 onwards; or
    • Choose their preferred option via i-Get In Touch starting from 8 August 2024 onwards; or
    • Submit the completed Authorisation Slip via i-Get In Touch as per below step-by-step:    

      Login to iGIT > My Form Submission > Certificate Alteration > Change in Sum Covered / Regular Contribution / Benefits

    • Fill up the Authorisation Form and submit the completed form to the servicing agent to upload via i-Great Partner:

      Login to iGP > Operation > Customer Service > CS Form Submission

    • Fill up the Authorisation Form and email to i-greatcare@greateasterntakaful.com; or
    • Walk-in to any of our nearest branches and submit the complete Authorisation Form at the counter; or
    • Fill up the Authorisation Form and post to:

      Great Eastern Takaful Berhad - Customer Care Department
      Level 3, Menara Great Eastern
      303 Jalan Ampang
      50450 Kuala Lumpur

  1. Where I can get more info on the new medical plan?
    Please refer to the links below 

Investment Linked Plan      

i-Medi Shield Link Rider

Traditional Plan 

i-Medi Shield Rider

You can refer to your repricing communication pack - Authorisation Form (Under Option 3) to know the name of the plan that is applicable to you.

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