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TABLE 1
PROTECTED BENEFITS AND LIMITS OF PROTECTION
Protected Benefits  Limits of Protection (Individual or Group Policies/Plans)*
Death and related benefits arising from death RM500,000
Disability and related benefits arising from disability RM500,000
Illness and related benefits arising from illness RM500,000
Maturity and related benefits arising from maturity RM500,000
Surrender and related benefits arising from surrender RM500,000
Income RM500,000
Healthcare 100% of amount payable
Pecuniary loss RM500,000
Value of that family takaful certificate or value of that life policy RM500,000 for one or more family takaful certificates or life policies
Refundable prepaid contribution or premium
  • For medical and health takaful certificates or insurance policies
  • For takaful certificates or insurance policies which are required under the Road Transport Act 1987 and Workmen’s Compensation Act 1952
  • For other takaful certificates or insurance policies
 
  • 100% of amount prepaid
  • 100% of amount prepaid

  • RM500,000 per takaful certificate or insurance policy
Loss of or damage to property and consequential loss RM500,000 for each property
Loss of or damage to property of any third party and consequential loss RM500,000 for each property
Death of any third party and related benefits arising from death RM500,000
Disability of any third party and related benefits arising from disability RM500,000
Illness of any third party and related benefits arising from illness RM500,000
Injury of any third party and related benefits arising from injury RM500,000
Healthcare of any third party 100% of amount payable
Pecuniary loss of any third party RM500,000

*Any claims by certificate or policy owners will be subject to the conditions and limits specified in their takaful or policy contracts.


Examples of Takaful and Insurance Benefits NOT eligible for protection
  • Takaful certificates and insurance policies denominated in foreign currencies
  • Takaful certificates and insurance policies issued out of Malaysia
  • Maturity, surrender and income benefits payable from the unit portion of investment-linked takaful certificates or insurance policies