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Takaful ProEssential a comprehensive family takaful plan with death, TPD and Golden Age Disability benefits

Takaful ProEssential

Takaful ProEssential - Family Takaful Plan

The one family takaful plan you need for all protection. Protecting your family and preserving your peace of mind are of the highest priorities, as they last well beyond your younger years, even into the golden years of life. This is why Zurich Malaysia designed Takaful ProEssential, a family takaful plan that offers comprehensive financial security upon death, Total and Permanent Disability (TPD) and Golden Age Disability (GAD).

We also understand how important it is for you to undertake your Hajj pilgrimage. While you may desire to achieve this spiritual undertaking by yourself, sometimes unfavorable situations can make it challenging. To help you achieve all your spiritual goals, our Zurich Takaful ProEssential Shariah-compliant plan also includes value added services such as Hajj by Proxy, Qurban, Wakaf, and Charity.

 

Zurich Takaful ProEssential Product Features and Coverage

  • English
  • Bahasa Malaysia

  • What benefits do I get with my Takaful ProEssential Plan?

    Death Benefit
    With Takaful ProEssential, 100% of Basic Sum Covered (BSC) and the Participant Investment Account (PIA) value will be paid upon death to your loved ones.

    Disability Coverage Up to Maturity of Certificate
    Our Total and Permanent Disability (TPD) will provide you coverage up to age 75 and the Golden Age Disability (GAD) will provide you an additional 5 years of disability coverage up to age 80. If you sustain TPD or GAD, we will pay you 100% of BSC and PIA value.

    Family Care Privilege
    Up to 4 of your legal spouses or children will be eligible to participate in a Zurich family takaful plan with coverage amount up to 25% of BSC without medical underwriting.

    Flexible Coverage Term
    You may choose your preferred coverage term of 20 years, 30 years, 40 years or up to age 80.

    Extend Your Coverage
    You can extend your protection with selected Zurich takaful products within 60 days of the maturity date, with no health evidence required.

    Enhance Your Protection Option
    You can attach the following riders to enhance your protection:
    Rider Details
    KritikalCare Essential Plus Provides additional coverage for selected Critical Illnesses
    KritikalCare Waiver Plus The contribution will be waived in the event you are diagnosed with any one of the selected Critical Illnesses
    KritikalCare Prime Plus Provides additional coverage for selected Critical Illnesses and the rider sum covered paid will reduce the Basic Sum Covered
    AccidentalCare Provides coverage upon suffering specified loss or injury resulting from an accident
    Disablility Income
    		 Provides coverage upon diagnosis of a temporary or permanent disability
    Accidental MediBill Reimbursement Provides medical reimbursement upon injury resulting from an accident that requires medical or surgical treatment. Ambulance fee of up to RM500 per accident will also be covered
    Hospital Income Provides coverage upon admission to hospital. Payment is halved for admission to non-government and non-government licensed private hospitals


    Notes:
    1All benefits are subject to terms and conditions.
    2All benefits payable will be deducted by the amount due to us (if any).
    3Please refer to Product Disclosure Sheet and Takaful Certificate for further details.

    Exclusive Discount For Selected Riders
    To provide you with a holistic protection, you will be entitled to a 5% discount on the following rider’s contribution when you attach all 3 riders listed below simultaneously in your certificate.
    • AccidentalCare
    • Disability Income
    • Accidental MediBill Reimbursement

  • Why should I choose Takaful ProEssential Plan?

    Unfavorable situations causing death or total permanent disability can rattle your stable world of peace and present your family with unexpected financial challenges. If your family faces any such situation in the event of your death or permanent disability, rest assured that Zurich Takaful ProEssential plan, with its plethora of benefits, will keep your family financially secure. It even offers a flexible coverage term and a hassle-free coverage extension process.

    While these benefits are inclusive in the standard plan, you can even opt for it to complete your desire of undertaking the Haj Pilgrimage. Read below to know why you must opt for this Shariah-compliant plan:

    • Hajj by Proxy, Qurban, Waqaf and Charity: As an added value to your Takaful coverage, you may supplement your plan in association with Amanah Raya Berhad to achieve your spiritual objectives.
    • Shariah-Compliant Contribution Gateway: With our new contribution gateway – PayHalal, , rest assured that there are no elements of Riba’ (usury), Gharar (uncertainty) and Maisir (gambling) in this family takaful plan.

  • Who is eligible for Takaful ProEssential plan?

    The minimum entry age for this plan is 14 days old and maximum entry age is 60 years old. However, the Participant must be at least 16 years old.

  • More information on Zurich Takaful ProEssential plan

  • Takaful ProEssential Frequently Asked Questions

    What is Takaful ProEssential?

    The Zurich Takaful ProEssential, is a Shariah-compliant family takaful plan that offers comprehensive financial security upon death, Total and Permanent Disability (TPD) and Golden Age Disability (GAD) with flexible coverage terms. With this family takaful plan, secure the protection of your family even when you are not around or you are unable to do so due to permanent disability.

    The Zurich Takaful ProEssential plan also offers value added services that enable you to achieve your spiritual goals. You can supplement your plans to include services such as Hajj by Proxy (Badal Haji), Qurban Service, and Waqaf Service. It also provides a Shariah Compliant Contribution Gateway, so rest assured there won’t be any elements of Riba’ (usury), Gharar (uncertainty) and Maisir (gambling) even when you make a contribution.

    What is Golden Age Disability Coverage?

    The Golden Age Disability (GAD) will provide you an additional 5 years of disability coverage up to age 80. If you sustain GAD, you are eligibale for 100% of BSC and PIA value under Takaful ProEssential.

    How much is the contribution for Takaful ProEssential?

    The contribution for Takaful ProEssential is payable throughout the coverage term and shall depend on your chosen Basic Sum Covered, age, gender, smoking status, coverage term and underwriting requirements. However, the contribution is not guaranteed and we reserve the right to revise the contribution by giving you 90 days prior written notice.

    What is not covered by Takaful ProEssential?

    Takaful ProEssential does not cover the event listed below. Please note that the list is not exhaustive and reference should be made to the comprehensive list in Product Disclosure Sheet and Takaful Certificate.

    Death Benefit- Death Benefit shall not be payable for Death from suicide within 1 year from this Principal 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 and Golden Age Disability
    Benefit- This Certificate shall not cover any disability caused directly or indirectly, wholly or partly, by and of the following occurrences:

       
    • Any self-inflicted injuries while sane or insane; or
    • Travel or flight in or on any type of aircraft except on a regular scheduled passenger flight of a commercial aircraft; or
    • Any activities of a military nature whilst being engaged in military service in times of declared or undeclared war whilst under orders for warlike operations or restoration of public order; or
    • War, civil war, invasion, act of foreign enemy, warlike actions, (whether war be declared or not), including accidental explosion and/or deliberate explosion of weapons of war, during war or directly as a result of previous war; or
    • Pre-Existing Illness; or
    • Being involved in unlawful/illegal act; or
    • Being under the influence of any alcohol, narcotic and/or drug.

  • Contact us

    Takaful ProEssential

The benefits payable are protected by PIDM up to limits. Please refer to PIDM TIPS brochure or contact Zurich Takaful Malaysia Berhad or PIDM.

  • Apakah manfaat yang saya perolehi?

    Manfaat Kematian
    Dengan Takaful ProEssential, 100% daripada Jumlah Perlindungan Asas dan nilai Akaun Pelaburan Peserta (APP) akan dibayar kepada insan tersayang apabila Orang Yang Dilindungi meninggal dunia.

    Perlindungan Hilang Upaya sehingga Kematangan Sijil
    Manfaat Hilang Upaya Keseluruhan dan Kekal (HUKK) menyediakan perlindungan sehingga umur 75 tahun dan Hilang Upaya Warga Emas (HUWE) menyediakan perlindungan tambahan selama 5 tahun sehingga umur 80 tahun. Sekiranya anda mengalami HUKK atau HUWE, 100% daripada Jumlah Perlindungan Asas dan nilai APP akan dibayar.

    Hak Istimewa Penjagaan Keluarga
    Sehingga 4 pasangan dan anak anda yang sah layak untuk menyertai pelan takaful keluarga Zurich dengan perlindungan sehingga 25% daripada Jumlah Perlindungan Asas tanpa sebarang taja jamin.

    Tempoh Perlindungan yang Fleksibel
    Anda mempunyai kebebasan untuk memilih daripada pelbagai pilihan tempoh perlindungan daripada tempoh 20 tahun, 30 tahun, 40 tahun atau sehingga umur 80 tahun.

    Lanjutkan Perlindungan Anda
    Anda boleh melanjutkan perlindungan anda dengan pelan takaful Zurich yang terpilih dalam tempoh 60 hari dari tarikh matang sijil, tanpa sebarang bukti kesihatan diperlukan.

    Pertingkatkan Perlindungan Anda dengan Manfaat Tambahan
    Anda boleh menyertakan manfaat tambahan bagi mempertingkatkan perlindungan anda:
    Manfaat Tambahan Butiran
    KritikalCare Essential Plus Memberikan perlindungan tambahan untuk Penyakit Kritikal tertentu.
    KritikalCare Waiver Plus Caruman akan dikecualikan sekiranya anda didiagnosis dengan mana-mana satu daripada Penyakit Kritikal tertentu.
    KritikalCare Prime Plus Memberikan perlindungan tambahan untuk Penyakit Kritikal tertentu dan Jumlah Perlindungan Asas akan dikurangkan dengan jumlah perlindungan manfaat tambahan yang dibayar.
    AccidentalCare Memberikan perlindungan apabila mengalami kerugian atau kecederaan akibat kemalangan.
    Disability Income Memberikan perlindungan apabila didiagnos dengan hilang upaya sementara atau hilang upaya kekal.
    Accidental MediBill Reimbursement Membayar perbelanjaan perubatan yang ditanggung apabila mengalami kecederaan yang memerlukan rawatan perubatan atau pembedahan akibat kemalangan. Yuran ambulans sehingga RM500 setiap kemalangan juga akan ditanggung.
    Hospital Income Memberikan perlindungan apabila dimasukkan ke hospital. Bayaran akan diseparuhkan apabila dimasukkan ke hospital bukan kerajaan dan swasta bukan berlesen kerajaan.


    Nota:
    1Semua manfaat adalah tertakluk kepada terma dan syarat.
    2Semua manfaat yang dibayar akan ditolak dengan sebarang tunggakan (jika ada).
    3Sila rujuk Lembaran Pendedahan Produk dan Sijil Takaful untuk maklumat lanjut.

    Diskaun Eksklusif untuk Manfaat Tambahan Tertentu
    Bagi memberikan perlindungan holistik kepada anda, anda akan memperoleh diskaun sebanyak 5% dari caruman manfaat tambahan apabila melampirkan 3 manfaat tambahan yang disenaraikan di bawah dalam sijil anda.
    • AccidentalCare
    • Disability Income
    • Accidental MediBill Reimbursement

  • Kenapa saya perlu pilih pelan ini?
    • Badal Haji, Korban, Wakaf dan Kebajikan
      Sebagai perkhidmatan tambahan kepada perlindungan takaful anda, anda boleh melengkapi pelan anda dengan kerjasama Amanah Raya Berhad untuk mencapai objektif kerohanian anda.
    • Gateway Transaksi Caruman Patuh Syariah
      Memperkenalkan kaedah caruman baru – PayHalal. Dengan kaedah caruman baru ini, tiada lagi unsur Riba, Gharar dan Maisir.
  • Apakah syarat kelayakan menyertai pelan ini?
    Umur penyertaan minimum untuk pelan ini adalah 14 hari dan umur penyertaan maksimum adalah 60 tahun. Namun begitu, Peserta mestilah berumur sekurang-kurangnya 16 tahun.
  • Di manakah saya boleh mendapat lebih maklumat?
  • Hubungi kami

    Takaful ProEssential

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.