This website is best viewed in Internet Explorer 11, or the latest versions of Google Chrome, Firefox and Safari. Use of this website with older browsers may result in the inability to use the site or view the site correctly.

Important Notice

Please be informed that medical plans underwritten by Zurich Life Insurance Malaysia Berhad and Zurich Takaful Malaysia Berhad provide coverage for COVID-19 caused by SARS-CoV-2 (2019 novel coronavirus), subject to the terms and conditions specified in the respective plans. Zurich will waive the standard exclusion and continue to provide coverage, should the Ministry of Health classify the SARS-CoV-2 as among ‘communicable diseases requiring quarantine by law’. In the event you have / suspected to have contracted the SARS-CoV-2, please seek immediate medical attention. For enquiries, please email us at callcentre@zurich.com.my

Send An Enquiry
Locate A Zurich Branch


    • Protect the environment. Think before you print.

Takafulink Hajj

Your investment for life and hereafter.

Millions of Muslims answer the call of Prophet Ibrahim (A.S) to perform Hajj each year. Preparations for Hajj is sacred; you’ll have to prepare yourself mentally, spiritually and importantly FINANCIALLY. With Takafulink Hajj, your journey to perform Hajj is taken care of along with your loved ones.

  • English
  • Bahasa Malaysia
  • Why should I choose this plan?
    • It provides you with a guaranteed Death & Total Permanent Disability¹ (TPD) benefit. Upon Death or TPD of the Person Covered, the Sum Covered and Participant Investment Account² (PIA) are payable and the coverage will cease.
    • A Takaful plan that helps the Participant to accumulate funds for the purpose of performing Hajj or other noble intentions.
    • It is a plan that provides 24-hour protection with Worldwide Coverage.
    • Affordable contribution payable in monthly, quarterly, semi-annually and annually mode.
    • Payment Channel - Cash, Cheque, Credit Card, Easy Contribution Payment, Auto Debit, Zurich Takaful ATM Machine, Over-the-Counter (Zurich Takaful Branches or Head Office), BSN Giro, Public Sector, Bank Standing Instruction, Internet Banking and ePayment facility.
    • The contribution paid may qualify for a personal Tax Relief maximum up to RM6,000 a year. (subject to the final decision of Inland Revenue Board (IRB) of Malaysia).
    • Surplus-Sharing - every Participant is entitled to share the surplus if any, from the Participant according to Hibah (gift) contract.
    • 100% of investment profit earned, net of tax, less the Wakalah Tharawat Fee (Fund Management 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.

    Note:

    ¹ Death and Total Permanent Disability benefit is guaranteed, given the Participant Investment Account balance is sufficient to pay for Tabarru' deduction. Tabarru' shall mean a donation and it is the amount that the Participant agrees to relinquish to assist other Participants who are participating in the Takaful plan to pay for the Takaful Benefits.

    2 Participant Investment Account (PIA) is an individual investment account used for generating profits. PIA value is based on the actual performance of the fund and it is not guaranteed.

    3 Participant Risk Investment Account (PRIA) is a risk fund where the tabarru' (donation) will be credited and invested in Shariah compliant investments by the Takaful Operator.

  • What benefits do I get?

    Protection

    You have a choice of how much protection you need. This is called the Basic Sum Covered. The Basic Sum Covered can be increased or decreased subject to current underwriting requirements. In the event of Death prior to age 80, both the Basic Sum Covered and the remaining balance of PIA will be payable. Should TPD occur before age 70, both the Basic Sum Covered and the remaining balance in PIA will be payable. The PIA value will fluctuate based on the underlying performance of the Takafulink Hajj funds and is not guaranteed.

    Investment Account

    Your contributions net of Wakalah Fee will be allocated to the PIA, which is an individual investment account used for generating profits. The contributions will be invested in Zurich TakafuI Shariah Funds. Monthly Tabarru' will be dripped from PIA to the PRIA. PRIA is a pooled risk fund where the participant will contribute on a Tabarru' (donation) basis. The Death and TPD benefit is payable from this fund. The PIA account is subject to Wakalah Tharawat Fee (Fund Management Fee) of 1% - 1.5% per annum depending on the type of fund. At maturity age of 80, the PIA will be paid to the Participant.

    Total Flexibility

    You may opt to stop paying your contributions and still enjoy the valuable protection of Takafulink Hajj, as long as there are sufficient units in your PIA account to pay for the PRIA charges. Takafulink Hajj can be yours for as little as RM50 a month or RM600 a year. You have the flexibility to pay the contributions monthly, quarterly, semi-annually or annually.

    Khusus Protection* (Package Rider)

    Funeral Expense of RM2,000. This benefit is payable within 24 hours of presentation of claim supported by certified copy of Police Report, Death Certificate and any other relevant documents.

    An additional benefit of RM5,000 is payable on Death where the beneficiary has an option to use the benefit for the purpose of:

    1. Repatriation Benefit - Transportation of the body or mortal remains of the Person Covered back to Malaysia.

    2. Ziarah - Cost incurred in funeral/flight/hotel and other expenses for Person Covered's family to arrange for funeral outside Malaysia.

    3. Other purposes.

    NOTE:

    * This benefit is guaranteed.

    Ziarah Protection* (Optional rider)

    This rider provides 100% of the rider sum covered to be payable in the event of Death (Optional Rider) or TPD due to accidental causes.

    200% of the rider sum covered is payable if Accidental Death or TPD occurs in Saudi Arabia (Maximum RM200,000).

    NOTE:

    * This benefit is guaranteed.

     
     

    Options Available*

    Option 1

    Flexible Term

    Takafulink Hajj offers a flexible coverage term. You may choose a coverage term whereby the certificate matures before Person Covered age 80. We offer flexible term of coverage with choice of terms from 20 years until maturity age of 80 years old. On the maturity of the plan, the PIA is payable.

    Option 2

    Increasing Basic Sum Covered (BSC)

    With Takafulink Hajj, starting from the 2nd certificate year and until maturity, the BSC will increase at a rate of 1% per annum of the initial BSC.

    Option 3

    Decreasing Basic Sum Covered (BSC)

    With Takafulink Hajj, starting from the 2nd certificate year, the Sum Covered will decrease at a rate of 1% per annum of the initial BSC. The decreasing pattern will cease once the Sum Covered reaches 50% of the initial BSC. Thereafter, the BSC remains at the 50% level till maturity.

    NOTE:

    * This feature is optional to the customer at the point of inception.

  • Who is eligible for this plan?

    This plan covers anyone from the age of 30 days old up to 69 years old. However, the Participant/Applicant must be at least 18 years old and above.

  •  Where can I get more information?
  • Contact us.

    Meet a Zurich Takaful Agent


    Locate Your Nearest Zurich Branch


    Contact our Zurich Call Centre


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.

  • Kenapa saya perlu pilih pelan ini?
    • Pelan ini memberikan anda jaminan Manfaat Kematian & Hilang Upaya Keseluruhan dan Kekal¹ (HUKK). Sekiranya berlaku Kematian & HUKK, Jumlah Perlindungan dan Akaun Pelaburan Peserta² (APP) akan dibayar dan perlindungan akan tamat.
    • Pelan Takaful yang membantu Peserta untuk mengumpul dana bagi tujuan melaksanakan Haji atau niat mulia yang lain.
    • Perlindungan 24-jam di seluruh dunia.
    • Pembayaran caruman yang berpatutan dilakukan secara bulanan, suku tahun, setengah tahun, atau tahunan.
    • Cara bayaran yang mudah: Tunai, Cek, Kad Kredit, Pembayaran Caruman Mudah, Auto Debit, Mesin ATM Zurich Takaful, Pembayaran di Kaunter (Cawangan Zurich Takaful atau di Ibu Pejabat), BSN Giro, Biro Angkasa, Perintah Arahan Tetap dari Bank, Perbankan Internet dan fasiliti ePembayaran.
    • Caruman yang dibayar layak untuk Pelepasan Cukai peribadi sehingga RM6,000 setahun (tertakluk kepada keputusan muktamad Lembaga Hasil Dalam Negeri (LHDN)).
    • Perkongsian Lebihan – Anda layak berkongsi lebihan sekiranya ada, daripada Akaun Pelaburan Risiko Peserta³ (APRP) dengan Pengendali Takaful berdasarkan kepada nisbah perkongsian 50:50 berdasarkan kontrak Hibah (hadiah).
    • 100% keuntungan pelaburan selepas cukai, ditolak dengan Yuran Wakalah Tharawat (Yuran Pengurusan Dana) akan kekal di dalam APP untuk manfaat Peserta. Tiada perkongsian ke atas sebarang keuntungan yang ada di dalam APP dengan pemegang saham.
  • Apakah skop perlindungan yang diperolehi?

    Perlindungan

    Anda boleh memilih jumlah perlindungan yang diperlukan, iaitu Jumlah Asas Yang Dilindungi. Jumlah ini boleh ditambah atau dikurangkan tertakluk kepada proses taja jamin semasa. Sekiranya berlaku Kematian sebelum umur 80 tahun, kedua-dua Jumlah Asas Yang Dilindungi dan baki di dalam APP akan dibayar. Sekiranya HUKK dialami sebelum umur 70 tahun, kedua-dua Jumlah Asas Yang Dilindungi dan baki di dalam APP akan dibayar. Nilai APP akan berubah-ubah mengikut prestasi dana Takafulink Hajj dan ianya tidak dijamin.

    Akaun pelaburan

    Caruman anda selepas ditolak Yuran Wakalah akan diperuntukkan untuk APP, iaitu akaun pelaburan yang bertujuan untuk menjana keuntungan. Caruman anda akan dilaburkan ke Dana Syariah ZurichTakaful. Tabarru’ bulanan akan dicajkan daripada APP ke APRP. APRP adalah dana risiko terkumpul dimana para peserta akanmembuat caruman berdasarkan Tabarru’ (derma). Manfaat Kematian dan HUKK akan dibayar daripada dana ini. Akaun APP ini adalah tertakluk kepada Yuran Wakalah Tharawat (Yuran Pengurusan Dana) iaitu 1%-1.5% setahun bergantung kepada jenis dana. Pada usia matang iaitu pada umur 80 tahun, APP akan dibayar kepada Peserta.

    Jumlah Fleksibiliti

    Anda boleh memilih untuk berhenti membayar caruman anda dan tetap menikmati perlindungan bernilai Takafulink Hajj selama mana unit-unit mencukupi dalam APP anda bagi membayar caj-caj APRP. Takafulink Hajj boleh menjadi milik anda melalui caruman serendah RM50 sebulan atau RM600 setahun. Anda mempunyai fleksibiliti untuk membayar caruman dalam bulanan, suku tahunan, setengah tahunan atau tahunan.

    Perlindungan Khusus* (Manfaat Tambahan Pakej)

    Belanja Pengurusan Pengebumian (Khairat Kematian) RM2,000. Manfaat ini akan dibayar dalam tempoh 24 jam kepada penyampai tuntutan yang disokong oleh salinan Laporan Polis yang telah diperakui, Sijil Kematian dan dokumen yang berkaitan. Satu manfaat tambahan RM5,000 akan dibayar atas Kematian di mana benefisiari mempunyai pilihan menggunakan manfaat bagi tujuan:

    1. Manfaat bayaran balik – Kenderaan yang digunakan untukmembawa Orang Yang Dilindungi pulang ke Malaysia.

    2. Ziarah – Belanja yang dikenakan untuk pengebumian/penerbangan/perhotelan dan sebagainya kepada keluarga Orang Yang Dilindungi bagi menguruskan pengebumian di luar Malaysia.

    3. Tujuan-tujuan lain.

    NOTA:

    * Manfaat ini adalah dijamin.

    Perlindungan Ziarah* (Manfaat Tambahan Pilihan)

    100% daripada Jumlah Yang Dilindungi bagi Manfaat Tambahan adalah dibayar terhadap Kematian atau Hilang Upaya Keseluruhan dan Kekal akibat kemalangan.

    200% Jumlah Yang Dilindungi bagi Manfaat Tambahan akan dibayar jika Kematian Akibat Kemalangan atau HUKK berlaku di Arab Saudi. (Jumlah maksima RM200,000)

    NOTA:

    * Manfaat ini adalah dijamin.

    Pilihan Yang Ada*

    Pilihan 1

    Tempoh Fleksibel

    Takafulink Hajj menawarkan tempoh perlindungan yang fleksibel. Anda boleh memilih tempoh perlindungan sehingga tempoh sijil matang pada umur 80 tahun. Kami menawarkan tempoh perlindungan fleksibel dari tempoh 20 tahun sehingga umur matang iaitu 80 tahun.APP akan dibayar setelah sijil matang.

    Pilihan 2

    Kenaikan secara berkala ke atas Jumlah Asas Yang Dilindungi

    Dengan Takafulink Hajj, bermula dari tahun sijil ke-2 sehingga sijil matang, Jumlah Asas Yang Dilindungi akan meningkat secaraberkala pada kadar 1% setahun daripada Jumlah permulaan Perlindungan Asas.

    Pilihan 3

    Penurunan secara berkala ke atas Jumlah Asas Yang Dilindungi

    Dengan Takafulink Hajj, bermula dari tahun sijil ke-2, Jumlah Asas Yang Dilindungi akan menurun secara berkala pada kadar 1% setahun daripada Jumlah permulaan Perlindungan Asas. Corak penurunan ini akan tamat sebaik sahaja Jumlah Asas Yang Dilindungi mencapai 50% daripada Jumlah permulaan Asas Yang Dilindungi. Seterusnya, Jumlah Perlindungan akan kekal pada tahap 50% sehingga sijil matang.

    NOTA:

    * Ciri-ciri tersebut adalah atas pilihan pemohon apabila pemohon bersetuju untuk menyertai pelan perlindungan ini.

  • Apakah syarat kelayakan menyertai pelan ini?

    Sesiapa sahaja yang berumur di antara 30 hari sehingga 69 tahun layak dilindungi. Namun begitu, Peserta/Pemohon mesti berusia 18 tahun ke atas.

  • Di manakah saya boleh mendapat lebih maklumat?
  •  Hubungi kami.

    Berjumpa dengan Ejen Zurich Takaful


    Cari Cawangan Zurich yang Berhampiran


    Hubungi Zurich Call Centre


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 kepadaaset 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.