i-Medi Signature Rider | The Signature of Health Confidence

1. i-Medi Signature Rider is a level contribution paying Medical and Health Takaful rider covering hospitalisation and surgical expenses attachable to selected regular contribution Term Family Takaful Plans.

2. All ages stated in this brochure refers to age next birthday (ANB).

3. You should satisfy yourself that this rider will best serve your needs and that the contribution payable until the end of the rider's term is an amount that you can afford.

4. 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.

5. When the rider is terminated or laid-off or upon riders' expiry, no benefit will be paid from the Tabarru' Fund.

6. 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).

7. 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.