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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

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Takafulink

Protection against the next plot twist in life.

Life is filled with unexpected twists and turns. And we're here to make sure that you'll always be ready when life throws you a curveball.

Our unique Family Takaful Plan ensures you and your family stay protected at all times while your funds are being managed by a team of professionals and invested in Shariah approved funds until your plan reaches maturity.

With Takafulink, your life story will always have a happy ending.

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  • Bahasa Malaysia
  • Why should I choose  this plan?

    Safeguard your future against financial uncertainties with Zurich Takafulink. This investment-linked plan protects you and your family by maximising your total returns and allowing you to enjoy a higher income.

  • What benefits do I get?

    Protection

    Stay covered with Takafulink’s 24-hour worldwide coverage. Increase or decrease the Basic Sum Covered depending on how much protection you need.

    Description Coverage

    Death before age of 80

    Basic Sum Covered + balance of Participant Investment Account are payable

    Total Permanent Disability before age of 70

    Basic Sum Covered + balance of Participant Investment Account are payable

    Investment

    An agent operating under the Wakalah Principle will be assigned to manage the Takaful business. A Wakalah Fee will be charged from your total contribution.

    Your contribution, minus the Wakalah Fee, will be allocated to your Participant Investment Account (PIA), which generates profit. This contribution will be used to invest in Zurich Takaful Shariah Funds.

    Monthly Tabarru’ (donation) will be channelled to the Participant Risk Investment Account (PRIA) from your PIA. The Death and Total Permanent Disability benefits are payable from the PRIA.

    Your PIA is subjected to Wakalah Tharawat Fee (Fund Management Fee) of 1% - 1.5% per annum. The PIA’s payout is upon maturity.

    Flexibility

    Takafulink offers you the flexibility to choose your coverage term. Secure your future from as low as RM50 a month or RM600 a year.

    Options Available

    1. Flexible Term

    The plan matures when the certificate holder reaches 80 years old. However, you may opt for a coverage term that matures before the policyholder is 80 years old, with the minimum coverage term being 20 years. Upon maturity, the payout from the Participant Investment Account (PIA) will be channeled to the certificate holder.

    2. Increasing Basic Sum Covered (BSC)

    The BSC will increase at the rate of 1% of the initial BSC per annum starting from the 2nd certificate year until maturity.

    3. Decreasing Basic Sum Covered (BSC)

    The BSC will decrease at the rate of 1% of the initial BSC per annum starting from the 2nd certificate year. Once the Sum Covered reaches 50% of the initial BSC, the BSC will cease to decrease and will remain at 50% until maturity.

  • 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.

 

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 Takafulink adalah Pelan Takaful Keluarga Berkaitan Pelaburan yang direka khas untuk mengatasi ketidakpastian hidup. Maksimakan jumlah pulangan anda sambil membuka peluang untuk menjana pendapatan yang lebih tinggi dengan Takafulink.

  • Apakah manfaat yang saya perolehi?

    Anda yang menentukan jumlah perlindungan yang diperlukan. Jumlah ini boleh ditambah atau dikurangkan tertakluk kepada proses taja jamin semasa. Selain itu, anda juga dilindungi 24-jam di seluruh dunia.

    Manfaat Liputan

    Kematian sebelum umur 80 tahun

    Kedua-dua Jumlah Asas yang Dilindungi dan baki di dalam PIA akan dibayar

    Hilang Upaya Keseluruhan dan Kekal (HUKK) sebelum umur 70 tahun

    Kedua-dua Jumlah Asas yang Dilindungi dan baki di dalam PIA akan dibayar

     

    Pelaburan

    Seorang agen (di bawah prinsip Wakalah) akan dilantik untuk mengendalikan operasi perniagaan Takaful kepada Peserta. Yuran Wakalah akan dikenakan daripada jumlah caruman yang dibayar.

    Caruman anda selepas ditolak Yuran Wakalah akan diperuntukkan untuk Akaun Pelaburan Peserta (PIA) anda dengan tujuan menjana keuntungan. Caruman anda akan dilaburkan ke Dana Shariah Zurich Takaful.

    Tabarru’(derma) bulanan akan disalurkan dari PIA ke Akaun Pelaburan Risiko Peserta (PRIA). Manfaat Kematian dan Hilang Upaya Keseluruhan dan Kekal adalah dibayar daripada dana PRIA.

    Akaun PIA adalah tertakluk kepada Yuran Wakalah Tharawat ( Yuran Pengurusan Dana) sebanyak 1%-1.5% setahun. PIA akan dibayar kepada Peserta pada usia matang.

    Fleksibiliti

    Takafulink menawarkan tempoh perlindungan yang fleksibel. Takafulink boleh menjadi milik anda melalui caruman serendah RM50 sebulan atau RM600 setahun.

    Pilihan yang ada:

    1. Tempoh Fleksibel

    Kami menawarkan tempoh perlindungan minima 20 tahun. Walaubagaimanapun, umur matang adalah 80 tahun. PIA akan dibayar setelah sijil matang.

    2. Kenaikan secara berkala ke atas Jumlah Asas Yang Dilindungi

    Jumlah Asas Yang Dilindungi akan meningkat pada kadar 1% setahun daripada Jumlah permulaan Perlindungan Asas bermula dari tahun sijil ke 2 sehingga sijil matang.

    3. Penurunan secara berkala ke atas Jumlah Asas Yang Dilindungi

    Bermula dari tahun sijil ke 2, Jumlah Asas Yang Dilindungi akan menurun pada kadar 1% setahun daripada Jumlah permulaan Perlindungan Asas. Penurunan ini akan tamat selepas Jumlah Perlindungan mencapai 50% daripada Jumlah permulaan Perlindungan Asas. Seterusnya, Jumlah Perlindungan akan kekal pada tahap 50% sehingga sijil matang.

  • 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

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.