i-Great Harapan CI10 | Critical Illness and Income Protection Plan

1. What is i-Great Harapan CI10 takaful plan?

• i-Great HarapanCI10 is a critical illness takaful with a regular step-up contribution, stand-alone Medical and Health Takaful plan that provides a lump sum benefit payment in the event of a Person Covered is diagnosed with one of 10 Critical Illnesses until the age of 80 years next birthday.

2. How much critical illness coverage will I get with i-Great Harapan CI10?

• The extent of coverage you'll get for i-Great Harapan CI10 varies based on your income. As a general guideline, the amount of critical illness coverage provided equals three times your yearly salary. In the event of a critical illness diagnosis, it typically takes around three years for the individual to adapt their lifestyle and recuperate. Hence, having coverage equivalent to three times your annual salary is necessary to mitigate the loss of income during this period.

3. What is the minimum and maximum age at entry?

• The minimum age is 14 days old attained age and the maximum age is 70 years old next birthday.

4. Will i-Great Harapan CI10 cover pre-existing conditions?

• No, i-Great Harapan C10 does not cover pre-existing condition.
  
  

5. What is the waiting period for i-Great Harapan CI10?

30 days Waiting Period is applicable for the following events:

• 1. Kidney Failure - requiring dialysis or kidney transplant
• 2. End-Stage Liver Failure
• 3. End-Stage Lung Disease
• 4. Heart Valve Surgery
• 5. Stroke - resulting in permanent neurological deficit with persisting clinical symptoms
  
  

60 days Waiting Period is applicable for the following events:

• Cancer - of specified severity and does not cover very early cancers
• Coronary Artery By-Pass Surgery
• Heart Attack - of specified severity
• Serious Coronary Artery Disease
• Angioplasty and Other Invasive Treatments for Coronary Artery Disease

1. i-Great HarapanCI10 is a regular step-up contribution, stand-alone Medical and Health Takaful plan that provides a lump sum benefit payment in the event of a Person Covered is diagnosed with one of 10 Critical Illnesses until the age of 80 years next birthday.
   
   
2. Age refers to age next birthday.
   
   
3. You should be convinced that this plan will best serve your needs and that the contributions payable under the Certificate are affordable to you. If you do not pay within grace period of 30 days, your Certificate may lapse immediately which may result in loss of coverage.
   
   
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 us during this period, we shall refund an amount equal to the amount of contributions paid less any medical fee incurred, if any, for the medical examinations.
   
   
5. Upon surrender, you should not expect to receive any value from the Certificate. Nevertheless, the unexpired Tabarru’ from the Tabarru’ Fund and the Unearned Unallocated Contribution from the Takaful Operator’s Fund (other than the first year Unallocated Contribution) less actual medical expenses incurred (if any) will be payable to you.
   
   
6. Upon termination, no benefit will be payable from Tabarru’ Fund.
   
   
7. 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.
   
   
8. Survival Period - the benefit will be payable after the Person Covered survives at least (7) days after the day of diagnosis.

Terms and conditions apply. The info above merely provides general information only and is not a contract of family takaful. You are advised to refer to the Benefit Illustration, Product Disclosure Sheet and sample Certificate for detailed features and benefits of the plan before participating in the plan. You may also refer to the consumer education booklet on Medical & Health Takaful issued under the Consumer Education Programme for more information.