Protection that adapts as your life changes.
Takaful operates on the principle of Ta’awun (mutual assistance). Participants contribute to a shared fund (Tabarru’) that is used to help fellow participants in times of need. It is structured to be free from riba (usury), gharar (uncertainty) and maysir (gambling).
Provides a lump-sum benefit payable to your nominees. Under a Hibah nomination, benefits can be released without waiting for estate administration, helping your family settle commitments and meet daily expenses.
Suited to breadwinners and couples with young children.
A medical card with high annual limits, covering eligible hospitalisation, surgical fees and room charges at participating private hospitals, subject to certificate terms.
Helps offset rising private healthcare costs.
Helps bridge the income gap if a covered critical illness or accident prevents you from working, providing benefits to help meet existing commitments.
Particularly relevant for business owners and the self-employed.
Combines Shariah-compliant investment-linked funds with takaful coverage, helping you save towards children’s education, marriage or retirement needs.
Includes contribution waiver options for added security.
Get an indicative coverage figure based on your current commitments.
Home financing, vehicle, personal financing
Based on conservative planning guidelines. Under a Hibah nomination, benefits are paid directly to your nominee without waiting for estate administration.
RM 870,000
~RM 326/month*
*Indicative only. Actual contributions depend on age, plan and underwriting.
Speak to a Life Planner to turn this estimate into a personalised proposal.
This estimator provides an indicative figure only and is not a quotation, recommendation or contract. All takaful certificates are issued by AIA PUBLIC Takaful Bhd. and are subject to the terms, conditions and exclusions of the certificate issued, and to underwriting. Please read the Product Disclosure Sheet and Sales Illustration before deciding.
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