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M-Tiara Hajj

M-Tiara Hajj – Future Goals – Great Eastern Takaful

M-Tiara Hajj

Performing Hajj is the fifth pillar of Islam and the most significant expression of Islamic faith and unity. Before setting out, a pilgrim should redress all wrongs, pay all debts, and plan to have enough funds for his own journey and for the maintenance of his family while he is away. Enhance your journey with a well thought out plan.

Key benefits

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Double Takaful benefits

In the event of death, or Total Permanent Disability (TPD) while performing Hajj or Umrah, the Basic Sum Covered will be doubled.

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Badal Hajj (Hajj by Proxy)

Badal Hajj can be arranged, should death or TPD occur and the fees shall be deducted from the takaful benefit prior to payment to your nominee.

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Cover for Death and TPD

Upon death the Basic Sum Covered from the Tabarru’ Fund1 and your individual account (PIA) 2 balance (if any) will be payable.

Adha Benefit

Receive cash benefit to perform this act on one part of the chosen animal for Qurban. Options to perform the deed yourself or appoint Great Eastern Takaful agent to perform the Qurban for you.

Get this plan

To sign up, call 1 300 88 8787, visit any Bank Muamalat branch or log on to for more details.

Notes and Disclaimers:

Please do take note of the below to ensure you fully understand what this product does and does not cover. Call 1 300 88 8787, visit any Bank Muamalat branch or log on to

  1. Tabarru’ Fund refers to a pool of fund established for the purpose of solidarity and cooperation among the participants that is used to help all participants in the event of misfortune.
  2. Participant’s Individual Account (PIA) refers to the individual account into which the contribution and surplus and/ or profit arising shall be allocated.
Important Notices
  1. M-Tiara Hajj is a regular contribution Family Takaful plan that matures at age 70 years next birthday or up to a maximum cover of 30 years with extra benefits of protection while performing the Hajj or Umrah.
  2. Contributions are payable until end of coverage term or death or TPD, whichever comes first. The contribution must be paid regularly to ensure your PIA is sufficient to cover your protection at all times.
  3. You should satisfy yourself that this plan will best serve your needs and that the contributions payable under the certificate are affordable to you.
  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 the Takaful Operator during this period, the Takaful Operator shall refund an amount equal to the amount of contributions paid minus the expenses incurred for the medical examination (if any).
  5. You may receive the remaining amount in PIA upon termination or maturity of this plan, which may be less than the total allocated contribution into the PIA. Under such circumstance, no benefits will be payable from Tabarru’ fund.
  6. The amount in PIA is not guaranteed and the investment risk under this plan will be borne by you.
  7. You may stop paying contributions and still enjoy protection as long as there is a sufficient amount of money in PIA to pay for the Tabarru’ rates, where applicable. However, there is a possibility of the certificate lapsing when the required charges, including the Tabarru’ rates exceed the money available in PIA.

Terms and conditions apply. This information is for general information only. You are advised to refer to the Benefit Illustration, Product Disclosure Sheet and sample of certificate for detailed features and benefits of the plan before participating in the plan.

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