Takaful SureCover

Takaful SureCover

The ultimate convenience.

You’ve reached the point in your life where you would need to consider your future and your family’s well-being. How would your loved ones carry on with life should the unexpected happens to you?

Now, more than ever, it’s becoming necessary to plan ahead. We know that financial planning isn’t easy, especially when you consider the many factors involved in the process. What if there is a plan that has made everything easier for you? A simple and affordable plan with no medical check-ups required?

Introducing Takaful SureCover, a shariah-compliant regular contribution Family Takaful plan that offers you protection till age 90, this plan is guaranteed acceptance - we’ll never turn down your application regardless of your health conditions. From as low as RM75 per month, it can safeguards you against the unexpected and help ease the financial burden faced by your loved ones.
  • English

    What benefits do I get?

    Guaranteed Acceptance


    Guaranteed Acceptance from age 35 up until age 80

    As its name suggests, Takaful SureCover has a unique Guaranteed Acceptance features which provides coverage for Person Covered from age 35 till 80 years old. It is an ideal solution for individuals who are looking for protection for themselves and their parents

    Affordable Contribution


    Affordable Contribution from as low as RM75 per month

    From only RM75 per month, you can enjoy the great benefits specially designed with you in mind.

    Easy and Hassle Free


    Easy and hassle-free application with no medical check-up required

    With no medical check-ups and no health questions asked, this plan is hassle-free! We’ll never turn down your application regardless of your health conditions.

    Maturity Benefit


    Rewarding Maturity Benefit

    This plan rewards you with Maturity Benefit at the end of certificate year after your 90th birthday. You will receive Participant Investment Account (PIA) value as Maturity Benefit.

    Coverage Up To Age 90


    Coverage up to age 90

    You can now enjoy the rewards of a well-lived life. This plan will provide you with coverage up to age 90 for your peace of mind. So just sit back and relax, and let us protect you while you take care of your loved ones.

    Repatriation Benefit


    Repatriation Benefit

    If any unfortunate event happens to the Person Covered whilst traveling outside of Malaysia, this plan provides a reimbursement up to RM3,000 to send the Person Covered’s mortal remain back to their home country.

    Death Benefit


    Death Benefit with high Accidental Death Benefit

    Be ready when life throws you a curveball. In the event that the Person Covered met with an untimely demise, benefits payable are as follows:

    NON-ACCIDENTAL DEATH
    CERTIFICATE YEAR BENEFIT PAYABLE
    Within 2 years from certificate inception
  • Refund of Total Contribution Made
  • After 2 years from certificate inception
    • Basic Sum Covered or Total Contribution Made, whichever is higher; and
    • Participant Investment Account (PIA)
    ACCIDENTAL DEATH
    PERSON COVERED'S ATTAINED AGE AT THE DATE OF DEATH BENEFIT PAYABLE
    35-65
    • 500% of Basic Sum Covered or Total Contribution Made, whichever is higher; and
    • Participant Investment Account (PIA)
    66-80
    • 300% of Basic Sum Covered or Total Contribution Made, whichever is higher; and
    • Participant Investment Account (PIA)
    81-90
    • 200% of Basic Sum Covered or Total Contribution Made, whichever is higher; and
    • Participant Investment Account (PIA)

    How much can I get insured for?

    The Basic Sum Covered is dependent on your entry age, gender and number of units of takaful coverage chosen.

    Who is eligible for this plan?

    Anyone between 35 years old and 80 years old can participate.

    Contact us.

    Zurich Takaful operates under the principle of Wakalah, whereby the Takaful Operator acts as an agent to the Participant for managing the operations of the Takaful business. A Wakalah Fee will be charged up-front from the contributions paid. Tabarru’ (donation) will be deducted to the Participant Risk Investment Account (PRIA), where it will be used for mutual aid and assistance, based on the concept of Takaful. The benefits are paid from the PRIA only upon a covered loss, and not upon maturity or surrender of the certificate. Surplus Sharing (if any) at the end of each financial year will be shared between the Participant and Zurich Takaful at a 50:50 ratio based on Hibah contract. The investment profit earned on the Participant Investment Account (PIA) is derived from the return on underlying assets and Zurich Takaful charges a Wakalah Tharawat Fee (Fund Management Fee) for managing these assets. The investment risk in PIA is fully borne by the Participant. 100% of investment profit earned, net of tax, less the aforementioned Wakalah Tharawat Fee will remain in the PIA for the benefit of the Participant. There will be no further sharing of the investment profit arising in the PIA with Shareholders.
  • Bahasa Malaysia

    Apakah manfaat yang saya perolehi?

    Guaranteed Acceptance


    Penerimaan Dijamin dari usia 35 tahun sehingga usia 80 tahun

    Sama seperti namanya, Takaful SureCover mempunyai ciri Penerimaan Dijamin yang unik; ia memberi perlindungan kepada Orang Yang Dilindungi dari umur 35 tahun sehingga 80 tahun. Ini adalah pilihan yang hebat untuk individu yang menginginkan perlindungan untuk diri mereka sendiri dan ibu bapa tersayang.

    Affordable Contribution


    Caruman berpatutan serendah RM75 sebulan

    Dengan hanya serendah RM75 sebulan, anda boleh menikmati manfaat-manfaat hebat daripada produk yang prihatin terhadap keperluan khusus anda.

    Easy and Hassle Free


    Permohonan yang mudah dan tanpa kerumitan, tiada pemeriksaan kesihatan diperlukan

    Takaful SureCover semestinya pilihan hebat tanpa kerumitan disebabkan ciri-cirinya dimana pemeriksaan kesihatan tidak diperlukan dan tiada soalan kesihatan yang perlu dijawab! Kami tidak akan menolak permohonan anda tanpa mengambil kira keadaan kesihatan anda.

    Maturity Benefit


    Ganjaran Manfaat Matang

    Pelan ini memberi anda ganjaran Manfaat Matang pada hujung tahun sijil selepas anda berusia 90 tahun. Anda akan menerima nilai Akaun Pelaburan Peserta (APP) sebagai Manfaat Matang.

    Coverage Up To Age 90


    Perlindungan sehingga usia 90 tahun

    Anda boleh menikmati kehidupan yang selesa dengan pelan ini. Ia memberi anda perlindungan sehingga usia 90 tahun untuk ketenangan fikiran anda. Kini tiba masanya untuk anda berehat dan menikmati kehidupan yang selesa. Biarlah kami melindungi anda, seperti mana anda melindungi orang yang tersayang.

    Repatriation Benefit


    Manfaat Penghantaran Balik

    Bayaran balik sehingga RM3,000 untuk perbelanjaan yang ditanggung bagi penghantaran jenazah Orang Yang Dilindungi sekiranya kematian berlaku semasa berada di luar negara Malaysia.

    Death Benefit


    Manfaat Kematian dengan Manfaat Kematian Akibat Kemalangan yang tinggi

    Pelan ini memberikan perlindungan terhadap perkara yang tidak dijangka. Sekiranya Orang Yang Dilindungi meninggal dunia, manfaat kematian akan dibayar seperti berikut:

    MANFAAT KEMATIAN BUKAN AKIBAT KEMALANGAN
    TAHUN SIJIL JUMLAH DIBAYAR
    Dalam 2 tahun dari tarikh permulaan sijil
  • Bayaran balik semua Caruman
  • Selepas 2 tahun dari tarikh permulaan sijil
    • Jumlah Perlindungan Asas atau Jumlah yang telah dicarum (yang mana lebih tinggi); dan
    • Nilai Akaun Pelaburan Peserta (APP)
    MANFAAT KEMATIAN AKIBAT KEMALANGAN
    UMUR YANG DICAPAI ORANG YANG DILINDUNGI KETIKA TARIKH KEMATIAN JUMLAH DIBAYAR
    35-65
    • 500% Jumlah Perlindungan Asas atau Jumlah yang telah dicarum (yang mana lebih tinggi); dan
    • Nilai Akaun Pelaburan Peserta (APP)
    66-80
    • 300% Jumlah Perlindungan Asas atau Jumlah yang telah dicarum (yang mana lebih tinggi); dan
    • Nilai Akaun Pelaburan Peserta (APP)
    81-90
    • 200% Jumlah Perlindungan Asas atau Jumlah yang telah dicarum (yang mana lebih tinggi); dan
    • Nilai Akaun Pelaburan Peserta (APP)

    Apakah jumlah perlindungan asas yang diperolehi?

    Jumlah perlindungan asas adalah bergantung kepada usia kemasukan, jantina dan bilangan unit bagi perlindungan takaful yang anda pilih.

    Apakah syarat kelayakan menyertai pelan ini?

    Sesiapa yang berusia di antara 35 sehingga 80 tahun layak untuk memohon pelan ini.

    Hubungi kami.

    Zurich Takaful beroperasi di bawah prinsip Wakalah di mana Pengendali Takaful selaku agen mengendalikan operasi perniagaan Takaful kepada Peserta. Yuran Wakalah akan dikenakan sekali bersama dengan caruman yang dibayar. Jumlah Tabarru’ akan dimasukkan ke dalam Akaun Pelaburan Risiko Peserta (APRP / Participant Risk Investment Account) di mana ia akan digunakan untuk membantu Peserta lain berdasarkan Konsep Takaful. Manfaat akan dibayar daripada APRP hanya untuk kerugian yang dilindungi, dan bukanlah semasa Sijil matang atau penyerahan Sijil. Lebihan pada setiap akhir tahun kewangan (jika ada) akan dikongsi di antara Peserta dan Zurich Takaful mengikut nisbah 50:50 berdasarkan kontrak Hibah. Keuntungan daripada pelaburan yang diperolehi daripada Akaun Pelaburan Peserta (APP / Participant Investment Account) adalah berdasarkan kepada aset yang disandarkan dan Zurich Takaful akan mengenakan bayaran Yuran Wakalah Tharawat (Yuran Pengurusan Dana) untuk menguruskan aset tersebut. Risiko pelaburan di dalam APP ditanggung sepenuhnya oleh Peserta. 100% keuntungan pelaburan selepas cukai akan kekal di dalam APP untuk manfaat Peserta. Tiada perkongsian ke atas sebarang keuntungan yang ada di dalam APP dengan pemegang saham.

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