i-Medi Rider & i-Medi ExPlus Rider | Medical Rider Plan for Healthcare Needs

1. i-Medi Rider and i-Medi ExPlus Rider are contribution paying Medical and Health Takaful riders covering hospitalisation and surgical expenses attachable to selected regular contribution Term Family Takaful Plans.
   
   
2. You should satisfy yourself that these riders will best serve your needs and that the contribution payable until the end of the Certificate term is an amount you can afford.
   
   
3. You may stop paying contributions and still enjoy protection as long as there are 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.
   
   
4. 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 riders are terminated or laid-off, 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 these Medical and Health Takaful riders. 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.

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.