Sebagai perkhidmatan tambahan kepada perlindungan takaful anda, anda boleh melengkapi pelan anda dengan kerjasama Amanah Raya Berhad untuk mencapai objektif kerohanian anda.
Takaful Family Hero
Family Takaful plan with high protection payout
Takaful Family Hero is designed for the wellbeing of your family's future. This Zurich takaful family care plan is comparable to a conventional life insurance plan. It can protect you and your loved ones from the burden of debt, so that they can carry on living life the way you aspire them to.
A Hibah Takaful plan to ensure financial security for your loved ones when you are no longer around.
Leave behind fond memories, not debt...
You are now one step closer to a more financially secured future. Before committing to any family takaful plans, it is important for you to find out the ideal coverage for your current liabilities.
Find out now with our Debt Gap Calculator
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Takaful Family Hero Product Features and Benefits
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Why should I choose Takaful Family Hero plan?
Hajj by Proxy, Qurban, Waqaf and Charity
Shariah-Compliant Contribution Gateway
Flexible Contribution channel
As an added value to your Takaful coverage, you may supplement your plan in association with Amanah Raya Berhad to achieve spiritual objectives.
With our brand new contribution gateway – PayHalal, rest assured that there are no elements of Riba’ (usury) and Gharar (unknown consequences).
You can now make your contribution through multiple channels such as cheque, easy pay, bank standing instruction, BSN Giro, internet banking, auto debit/ direct debit or simply walk into any Zurich Takaful branch to make your contributions over the counter.
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Value-Added Services with Takaful Family Hero plan
The Takaful Family Hero plan lets you fulfill your spiritual objectives and pilgrimage (Hajj or Umrah) by offering various services. Check these following takaful value-added services :
- Hajj by Proxy (Badal Haji): Appoint a proxy to ensure that your obligation to perform hajj is achieved even when you are no longer around.
- Qurban Service: Assists to fulfill your religious need of sacrificing an animal and distributing the meat to the designated group of people during Aidiladha.
- Waqaf Service: This service lets you perform charity consistently by distributing your allocated fund to your preferred Waqaf recipient.
- Charity Service: This service caters to non-muslim customers. It helps you in your desire to do charity work by providing a list of charity organizations. You can select one from the list and offer your help to those in need.
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What benefits do I get with Takaful Family Hero?
High protection payout of up to 400% of Basic Sum Covered (BSC)
If death or Total and Permanent Disability happens, Takaful Family Hero will provide you the following:
Benefit Benefit Payable Death or Total and Permanent Disability¹ (TPD)
Higher of 100% of BSC or Participant Investment Account (PIA) Value
1 The TPD benefit is only applicable up to age 75 of the Person Covered.
If accidental death occurs, benefit payout will be given according to the table below:
Benefit Benefit Payable Public Transportation Accidental Death²
Death Benefit + 100% of BSC
Overseas Accidental Death³ Death Benefit + 100% of BSC Balik Kampung Accidental Death4 Death Benefit + 200% of BSC Hajj Accidental Death5 Death Benefit + 300% of BSC
2 In the event of death of the Person Covered within 365 days from the date of accident from commuting in Public Transportation.
3 In the event of death of the Person Covered within 365 days from the date of accident while travelling overseas for not more than 90 consecutive days per trip.
4 In the event of death of the Person Covered within 365 days from the date of accident occurring during Malaysia National Public Holiday and at any of the Toll Expressway in Operation.
5 Note:
i. In the event of death of the Person Covered within 365 days from the date of accident while performing the Hajj ritual which refers to Wukuf in Arafah, Tawaaf in Masjidil Haram and Sa’ie between Safa and Marwah mountains.
ii. In the event that the Person Covered has fulfilled the duty of Hajj where this Hajj Accidental Death Benefit is no longer applicable; or if the Person Covered is a non-muslim, we shall substitute this Hajj Accidental Death Benefit with Overseas Accidental Death Benefit as stated above, with an additional amount of 100% of Basic Sum Covered.
*Note: Only the highest death benefit is payable.
Total and Permanent Disability (TPD) Yearly Recovery Benefit
In the unfortunate event that you suffer a TPD, 5% of Basic Sum Covered is payable for 10 years, by Zurich Takaful as TPD Yearly Recovery Benefit to ease your financial burden.
Family Care Privilege
Secure the lifestyle that you want your loved ones to live, even when you are no longer around. Up to 4 of your legal spouses or children will be entitled to participate in a Zurich family takaful plan with coverage of up to 25% of your Basic Sum Covered, subject to RM300,000 per life, without any underwriting*.
*Terms and conditions apply.
No Medical Check-up Required
You can get covered up to RM1,500,000 without having to go for a medical check-up*.
*Depending on the age and health condition of the person covered
Flexibility to Suit Your Needs
Based on your needs, you may choose your preferred family takaful coverage term of 20 years or up to 80 years old of age and contribution term as follows:
Contribution Term Minimum Sum Covered 10 years or 20 years RM250,000 Throughout Certificate Term
RM50,000
Ziarah Plus Benefit
Protect yourself and your loved ones while you are performing your holy pilgrimage or Umrah. Our takaful family plan pays an additional 10% of Basic Sum Covered or maximum of RM50,000, whichever is lower, if any of the events below occur while you are performing Hajj or Umrah in Saudi Arabia:
- Death due to Heat Stroke, Stampede or Crush Injuries
- Death due to Fire in Public Building
- Death due to Middle East Respiratory Syndrome Coronavirus (MERS-Cov)*
*The MERS-Cov must be first diagnosed while in Saudi Arabia within 21 days returning from Saudi Arabia. If death occurs more than 21 days after leaving Saudi Arabia, this benefit is not payable.
Enhance Your Protection with Riders
You can attach the following Zurich Takaful riders to enhance your protection:
- KritikalCare Essential provides coverage for 50 Critical Illnesses, including 3 most commonly diagnosed Critical Illnesses* such as stroke, heart attack and cancer.
- KritikalCare Waiver is an additional protection. The contribution will be waived in the event you are diagnosed with any one of the 50 Critical Illnesses covered.
*Source: “Critical Planning.” The Star, 2014.
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How does Takaful Family Hero work?
Performing Hajj is an important obligation in the life of a Muslim. This Zurich Takaful family protection plan helps fulfill this religious aspiration. Check below to know how the Takaful Family Hero plan works:
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Eligibility for the Takaful Family Hero plan?
The minimum entry age of the person covered for Takaful Family Hero is 14 days old and maximum entry age is up to 70 years old, subject to the coverage term and contribution term.
However, the Participant must be at least 16 years old.
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Where can I get more information about Takaful Family Hero?
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Takaful Family Hero Frequently Asked Questions
What is Takaful Family Hero plan
Takaful Family Hero provides financial protection to you and your family and ensures a safe future that is without any debts. This takaful family plan offers high protection payouts, so if you succumb to an unfortunate life-threatening event, rest assured that your family won’t have to struggle financially to make ends meet.
The contribution required to avail the Takaful Family Hero plan is as low as RM50/month, so you won’t have to shell out a lot of money to create a financially sound future for your loved ones.
How is Family Takaful plan different from conventional life insurance plans?
Unlike conventional life insurance plans, the Takaful Family Hero plan is based on Shariah ideals. It offers high protection payouts too, to ensure your family's and your financial security, in case of unfortunate life events. This affordable Zurich takaful family protection plan, offers added benefits and riders to fulfill your spiritual objectives and other critical needs.
Am I eligible to be covered by this plan?
The minimum entry age of the person covered for this plan is 14 days old and maximum entry age is up to 70 years old, subject to the coverage term and contribution term. However, the Participant must be at least 16 years old.
What is the minimum and maximum Basic Sum Covered for this plan?
The minimum Basic Sum Covered is RM50,000 and maximum Basic Sum Covered is subject to underwriting requirements.
What is the contribution mode available for Takaful Family Hero?
Contribution can be made annually, semi-annually, quarterly or monthly.
How does Family Care Privilege work?
In the event of death of the Person Covered, up to 4 of legal spouses or children are entitled to participate in our Zurich family takaful plan with up to 25% of Basic Sum Covered, subject to a cap of RM300,000 per life, without underwriting.
Is the contribution made for this plan eligible for income tax relief?
Yes. The contribution(s) made is entitled to income tax relief in addition to your other family takaful or life insurance plans, subject to the final decision of the Inland Revenue Board of Malaysia (IRB).
What are the exclusions for Takaful Family Hero?
Takaful Family Hero does not cover the events listed below. Please note that the list is not exhaustive and reference should be made to the comprehensive list in our Product Disclosure Sheet and Takaful Certificate.
Death Benefit
This certificate shall not cover any death from suicide within one (1) year from this Certificate Commencement Date or Reinstatement Date, whichever is later, whether the Person Covered is sane or insane. Our liability shall be limited to the PIA value on the date of death. Total and Permanent Disability Benefit This Certificate shall not cover any disability caused directly or indirectly, wholly or partly, by and of the following occurrences:
a. Any self-inflicted injuries while sane or insane; or
b. Travel or flight in or on any type of aircraft except on a regular scheduled passenger flight of a commercial aircraft; or
c. Any activities of a military nature whilst being engaged in military service in time of declared or undeclared war whilst under orders for warlike operations or restoration of public order.
For all the Accidental Death Benefits
This plan does not cover any accidental death or injuries arising directly or indirectly, wholly or partly, by any one (1) of the following occurrences:
a. Self-destruction or any attempt thereat or self-inflicted injury while sane or insane, intoxication by alcohol or drugs/narcotics of any kind (other than those taken in accordance with treatment prescribed and directed by the Registered Medical Practitioner, but not for the treatment of drug or alcohol addiction);
b. War, declared or undeclared, revolution or any warlike operations, and any act of terrorism. For the purpose of this Supplementary Contract an act of terrorism means an act, including but not limited to the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organisation(s) or government(s), committed for political, religious, ideological, or ethnic purposes or reasons including the intention to influence any government and/or to put the public, or any section of the public, in fear;
c. Armed forces or police service in time of declared or undeclared war while under orders for warlike operations or restoration of public order (except those personnel who are administration staff);
d. Racing on horses or wheels;
e. Participation in professional sports (including caving, potholing and bungee jumping).
Middle East Respiratory Syndrome Coronavirus (MERS-Cov) resulting in death
If the death occurs due to MERS before the Person Covered enters the international border when travelling to Saudi Arabia or after twenty-one (21) days the person leaves Saudi Arabia.
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Contact us.
The benefits payable are protected by PIDM up to limits. Please refer to PIDM TIPS brochure or contact Zurich Takaful Malaysia Berhad or PIDM.
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 made. 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. The investment profit earned on the Participant Investment Account (PIA) is derived from the return on underlying assets and Zurich Takaful charges a Wakalah Bi al-Istithmar Fee (Investment Agency 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 Bi al-Istithmar 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.
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Apakah manfaat yang saya perolehi?
Bayaran Perlindungan Setinggi 400% daripada Jumlah Perlindungan Asas
Jika Kematian atau Hilang Upaya Keseluruhan dan Kekal berlaku, Takaful Family Hero akan memberi perlindungan seperti berikut:
Manfaat Manfaat Dibayar Kematian atau Hilang Upaya Keseluruhan dan Kekal¹ (HUKK)
100% daripada Jumlah Perlindungan Asas atau Nilai Akaun Pelaburan Peserta, yang mana lebih tinggi
¹Manfaat HUKK hanya sah sehingga usia 75 untuk Orang Yang Dilindungi.
Jika kematian akibat kemalangan berlaku, manfaat seperti berikut akan dibayar:
Manfaat Manfaat Dibayar Kematian Akibat Kemalangan Pengangkutan Awam2
Manfaat Kematian + 100% daripada Jumlah Perlindungan Asas
Kematian Akibat Kemalangan di Luar Negara3 Manfaat Kematian + 100% daripada Jumlah Perlindungan Asas Kematian Akibat Kemalangan Balik Kampung4 Manfaat Kematian + 200% daripada Jumlah Perlindungan Asas Kematian Akibat Kemalangan Haji5 Manfaat Kematian + 300% daripada Jumlah Perlindungan Asas
2 Sekiranya berlaku kematian Orang yang Dilindungi dalam tempoh 365 hari daripada tarikh kemalangan dengan menggunakan Pengangkutan Awam.
3 Sekiranya berlaku kematian Orang yang Dilindungi dalam tempoh 365 hari daripada tarikh kemalangan semasa melancong ke luar negara dan tidak melebihi 90 hari berturut-turut untuk setiap perjalanan.
4 Sekiranya berlaku kematian Orang yang Dilindungi dalam tempoh 365 hari daripada tarikh kemalangan semasa Cuti Umum Malaysia dan di mana-mana Lebuhraya Tol yang beroperasi.
5 Nota:
i. Sekiranya berlaku kematian Orang Yang Dilindungi dalam tempoh 365 hari daripada tarikh kemalangan semasa menunaikan Rukun-Rukun Haji yang merujuk kepada Wukuf di Arafah, Tawaf dalam Masjidil Haram dan Sa’ie di antara Bukit Safa dan Marwah.
ii. Apabila Orang Yang Dilindungi telah menunaikan Haji di mana Manfaat Kematian akibat Kemalangan Haji tidak berkenaan kepada Orang Yang Dilindungi; ataupun Orang Yang Dilindungi bukan beragama Islam, kami akan menggantikan Manfaat Kematian akibat Kemalangan Haji dengan Manfaat Kematian akibat Kemalangan di Luar Negara yang dinyatakan di atas, dengan tambahan 100% Jumlah Perlindungan Asas.
*Nota: Hanya manfaat kematian yang tertinggi akan dibayar.
Manfaat Pemulihan Tahunan Hilang Upaya Keseluruhan dan Kekal (HUKK)
Jika anda mengalami HUKK, 5% daripada Jumlah Perlindungan Asas akan dibayar selama 10 tahun untuk mengurangkan beban kewangan anda.
Hak Istimewa Penjagaan Keluarga
Berikan jaminan gaya hidup yang diingini untuk orang tersayang anda, walaupun anda tiada lagi berada di sisi mereka. Sehingga 4 pasangan dan anak anda yang sah layak untuk menyertai pelan takaful keluarga Zurich dengan perlindungan sehingga 25% daripada Jumlah Perlindungan Asas, tertakluk kepada RM300,000 Jumlah Perlindungan Asas bagi setiap hayat, tanpa sebarang taja jamin*.
*Tertakluk kepada terma dan syarat.
Tiada Pemeriksaan Perubatan Diperlukan
Anda boleh mendapatkan perlindungan sehingga RM1,500,000 tanpa pemeriksaan kesihatan*.
*Bergantung kepada usia dan keadaan kesihatan Orang Yang Dilindungi
Fleksibiliti Sesuai dengan Keperluan Anda
Berdasarkan keperluan anda, anda boleh menentukan tempoh perlindungan selama 20 tahun atau sehingga 80 tahun dan tempoh caruman berdasarkan jadual berikut:
Tempoh Caruman Jumlah Perlindungan Asas Minimum 10 tahun atau 20 tahun RM250,000 Sepanjang Tempoh Sijil
RM50,000
Manfaat Ziarah Plus
Melindungi anda dan orang tersayang semasa anda menunaikan Haji atau Umrah. Kami akan membayar tambahan 10% daripada Jumlah Perlindungan Asas atau maksimum RM50,000, yang mana lebih rendah, sekiranya berlaku mana-mana kejadian berikut sewaktu anda menunaikan Haji atau Umrah di Arab Saudi:
- Kematian akibat Strok Haba, Rempuhan atau Kecederaan akibat Himpitan
- Kematian akibat Kebakaran di dalam Bangunan Awam
- Kematian akibat Sindrom Pernafasan Coronavirus Timur Tengah (MERS-Cov)*
* MERS-Cov mestilah didiagnosis awal semasa berada di Arab Saudi dalam tempoh 21 hari selepas pulang dari Arab Saudi. Jika kematian berlaku lebih daripada 21 hari selepas meninggalkan Arab Saudi, manfaat ini tidak akan dibayar.
Mempertingkatkan Perlindungan Anda dengan Manfaat Tambahan
Anda boleh menyertakan manfaat tambahan berikut bagi mempertingkatkan perlindungan anda:
- KritikalCare Essential memberi perlindungan untuk 50 Penyakit Kritikal, termasuk 3 yang paling lazim didiagnosis* seperti strok, serangan jantung dan kanser.
- KritikalCare Waiver adalah perlindungan tambahan. Caruman akan dikecualikan sekiranya anda didiagnosis dengan mana-mana satu daripada 50 Penyakit Kritikal yang dilindungi.
*Sumber: “Perancangan Kritikal” The Star, 2014.
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Kenapa saya perlu pilih pelan ini?
Badal Haji, Korban, Wakaf dan Kebajikan
Gateway Pembuatan Caruman Patuh Shariah
Saluran Caruman yang Fleksibel
Memperkenalkan kaedah caruman baharu – PayHalal. Dengan kaedah caruman baru ini, anda dapat mengelakkan unsur Riba’ dan Gharar.
Anda boleh mencarum melalui pelbagai saluran seperti cek, easy pay, perintah arahan tetap dari bank, BSN Giro, perbankan internet, auto debit / direct debit atau mengunjungi mana-mana cawangan Zurich Takaful untuk membuat caruman di kaunter.
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Bagaimanakah pelan ini berfungsi?
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Apakah syarat kelayakan menyertai pelan ini?Usia penyertaan minimum untuk pelan ini adalah 14 hari dan usia penyertaan maksimum adalah sehingga 70 tahun, tertakluk kepada tempoh perlindungan dan tempoh caruman. Namun begitu, Peserta mestilah berusia sekurang-kurangnya 16 tahun.
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Di manakah saya boleh mendapat lebih maklumat?
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Hubungi kami.
Manfaat-manfaat yang dibayar adalah dilindungi oleh PIDM sehingga had perlindungan. Sila rujuk Brosur Sistem Perlindungan Manfaat Takaful dan Insurans PIDM atau hubungi Zurich Takaful Malaysia Berhad atau PIDM.
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 dibuat. 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. 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 Bi al-Istithmar (Yuran Wakil Pelaburan) untuk menguruskan aset tersebut. Risiko pelaburan di dalam APP ditanggung sepenuhnya oleh Peserta. 100% keuntungan pelaburan selepas cukai, tolak Yuran Wakalah Bi al-Istithmar seperti dinyatakan, akan kekal di dalam APP untuk manfaat Peserta. Tiada perkongsian ke atas sebarang keuntungan yang ada di dalam APP dengan pemegang saham.