i-Medi Shield Rider

Medical coverage to cater for life's changing needs

Life often presents us with pivots and changes. Nevertheless. we ought to keep ourselves protected with a health protection plan, even more so in the midst of inflation. i-Medi Shield Rider is an attachable rider that complements your basic Takaful plan and would help to ensure that you and your family are safeguarded.

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Key benefits

Deductible options to fit affordability

Choose from deductible of RM500, RM1,000, RM2,000 and RM5,000, with 50% reduction of chosen deductible amount*, subject to continuation of certificate, up-to-date contribution and no claims of at least 5 years.

*Reduction does not apply to RM500 deductible

Increasing hospital Room & Board and Overall Medical Limit

Enjoy 20% increase of initial R&B every 5 years and 10% increase of initial overall medical limit every 2 years, subject to no claim.

Extension of coverage beyond overall medical limit with co-Takaful

Should claims exceed overall medical limit, a 20% co-Takaful applies.

How it works

Notes and disclaimers

Please do take note of the below to ensure you fully understand what this product does and does not cover. If in doubt, contact your Great Eastern Takaful Advisor.

Important notices

i-Medi Shield Rider is a contribution paying Medical and Health Takaful rider covering hospitalisation and surgical expenses attachable to selected regular contribution Term Family Takaful Plans.
i-Medi Shield Step Up Rider is a step up contribution paying Medical and Health Takaful rider covering hospitalisation and surgical expenses attachable to selected regular contribution Term Family Takaful Plans.
All age stated in this brochure refers to age next birthday.
You should satisfy yourself that these riders will best serve your needs and that the contribution payable until the end of the rider’s term is an amount you can afford.
You may stop paying contributions and still enjoy protection as long as there is sufficient amount of money in the Participant’s Individual Account to pay for the Tabarru’, where applicable. However, there is a possibility of Certificate lapsing when the required charges, including Tabarru’, exceed the money available in Participant’s Individual Account. Participating in too many riders or choosing high protection levels may deplete the cash values. Depending on the fund's performance, the Participant's Individual Account Value may decrease and the Certificate may potentially lapse.Participating in too many riders or choosing high protection levels may deplete the cash values. Depending on the fund's performance, the Participant's Individual Account Value may decrease and the certificate may potentially lapse.
When the rider is terminated or laid-off or upon rider's expiry, no benefit will be paid from the Tabarru' Fund.
A “Free-Look Period” of 15 days from the delivery date of the Certificate is given for you to review the suitability of this Medical and Health Takaful rider. If the Certificate is returned to us during this period, we shall refund an amount equal to the amount of contributions paid minus medical expenses (if any).
If you switch your rider from one Takaful Operator to another or if you exchange your rider with basic plan, or vice versa, 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.

Disclaimers

i-Medi Shield Rider | Medical Rider Plan for Healthcare Needs