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i-Great Harapan Plus

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Now Everyone Can Get Coverage

It’s never too late to get protected. Grab the opportunity of safeguarding yourself against the unexpected and help ease the financial burden of your loved ones with hassle-free application process.

With Guaranteed Acceptance of i-Great Harapan Plus - Now Everyone Can Get Coverage!

Benefits

  1. Guaranteed Acceptance
    Guaranteed Acceptance for protection until 80 years age next birthday (ANB).

  2. Low Contribution with High Coverage
    Get protected for only RM3* daily with Sum Covered of up to RM1 million.

  3. High Sum Covered
    Adequate fixed Basic Sum Covered from RM50,000 to RM250,000.

  4. Total and Permanent Disability (TPD) Benefit
    In the event of TPD prior to the certificate anniversary of 70 years ANB, the amount payable are as follows:

  5. Certificate Year TPD Due to Non-Accidental Causes TPD Due to Accidental Causes
    1 & 2 Refund of Contribution paid:
    a) Wakalah fee; and
    b) Tabarru' charged (less distributed Underwriting Surplus, if any)
    Total Payout2 from the Tabarru' Fund.
    3 onwards Total Payout2 from the Tabarru' Fund.

    Payment of the TPD is made payable to the Person Covered which subsequently terminates the certificate.

  6. Death Benefit
    In the event of death prior to the certificate anniversary of 80 years ANB due to non-accidental causes, the amount payable are as follows:
  7. Certificate Year Death Due to Non-Accidental Causes
    1 & 2 Refund of Contribution paid:
    a) Wakalah fee; and
    b) Tabarru' charged (less distributed Underwriting Surplus, if any)
    3 onwards Total Payout2 from the Tabarru' Fund.

  8. Accidental Death Benefit
    In the event of death prior to the certificate anniversary of 70 years ANB due to accidental cause, an additional percentage of BSC shall be payable on top of the Death Benefit. If the accidental death happens:

    in Malaysia Additional 100% of BSC
    caused by the following events:
    1. while traveling as a passenger in a Public Conveyance; or

    2. riding as a passenger in an elevator or electric lift (elevator or electric lift in mines or in a building under construction is excluded); or

    3. in consequence of the burning of any hotel or other public buildings (except theatre or cinema) in which the Person Covered shall be present at the time of commencement of the fire.
    Additional 200% of BSC
    outside of Malaysia Additional 300% of BSC

Note: Terms and conditions apply.
         *The rates may be higher or lower depending on the gender, age and Sum Covered chosen.

1Basic Sum Covered will be payable from Tabarru' Fund. Tabarru' Fund refers to a pool of funds established for the purpose of solidarity and cooperation among the participants that is used to help all participants in the event of misfortune.

2Total Payout is the higher of Sum Covered or Contribution paid.   

Additional Services

  1. Badal Hajj Service
    In the event of your passing, we will ensure that your Hajj obligation is fulfilled by an able body or an organisation. This is an optional service and you will need to fill in the Hajj by Proxy Service Form.

    Applicable to Muslims only and the amount of benefit received upon death must be sufficient for the service.

  2. Waqf Service
    In the event of your passing, an amount as previously agreed by you from the Death Benefit (due to Non-Accidental and Accidental causes), where applicable, will be channelled to a waqf body appointed by Great Eastern Takaful for this purpose. This is an optional service and you will need to fill in the Waqf Services Form.

  3. Hibah for Loved Ones or Charity
    Provide for your beneficiaries and/or your chosen charitable organisation when you sign up for i-Great Harapan Plus. Fill in the nomination form for your beneficiaries and the assignment form for your chosen charity. Provide for BOTH at the same time, only with Great Eastern Takaful.
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