Takaful Puteri & Puteri Plus
Takaful Puteri
How does the Takaful Puteri rider work for me?
Takaful Puteri is a unique rider designed to provide you with protection against financial impact arising from female illnesses that can be attached to your Takafulink plan. This gives you more comprehensive coverage and flexibility to protect your special needs.
The Takaful Puteri rider is available in two plans:
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Takaful Puteri: Provides you protection against many female related illnesses.
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Takaful Puteri Plus: Designed to you COMPLETE protection and much more. Apart from female-related illnesses, it also covers pregnancy complications and infant congenital illnesses.
Am I eligible to take up this rider?
Any existing participant of the Takafulink Plan can take up the rider based on their protection requirement.
Takaful Puteri |
Takaful Puteri Plus |
| Entry age between 19 and 60 years old next birthday. | Entry age between 19 and 40 years old next birthday. |
| Benefit terms up to 60, 70 or 80 years old. | Benefit terms up to 60, 70 or 80 years old. |
| If you choose to receive protection up to 60 years old, your age must be between 19 and 50 years old. | Mother Care Benefits is payable only up to age 50. |
What are the Benefits that I will receive?
We have multiple plans which you can choose that meet your special needs.
| Takaful Puteri and Takaful Puteri Plus | Plan 1 | Plan 2 | Plan 3 |
| Lifetime Sum Covered* | 50,000 | 100,000 | 150,000 |
* Each claim reduces the lifetime limit. When the lifetime limit is exhausted, the Takaful Puteri rider ceases.
Benefits |
Takaful Puteri |
Takaful Puteri Plus |
| Lady Care Benefit | ||
| (A) Female Related Cancer / Systemic Lupus Erythematosus (SLE) with Lupus Nephritis | ||
| Cancer of Breast, Cervix Uteri, Fallopian Tubes, Ovary, Uterus, and Vagina/Vulva OR | 100% of Lifetime Sum Covered | |
| Systemic Lupus Erythematosus with Lupus Nephritis | ||
| (B) Carcinoma-In-Situ of Breast or Cervix Uteri | ||
| When subsequently diagnosed with female related cancer or Systemic Lupus Erythematosus with Lupus Nephritis, we will pay the balance of 70% of the Lifetime Sum Covered | 30% of Lifetime Sum Covered | |
| (C) Cover for any of the events below | ||
| Rheumatoid Arthritis with Complications | 30% of Lifetime Sum Covered | |
| Facial Reconstructive Surgery due to Accident | ||
| Skin Grafting due to Burn | ||
| Skin Grafting due to Skin Cancer | ||
| Osteoporotic Fracture of the hip/vertebra | ||
| Breast Reconstructive Surgery due to Breast Cancer | ||
| Mother Care Benefits | ||
| (A) Pregnancy Complications | ||
| Disseminated Intravascular Coagulation | Not Available | RM10,000 |
| (after 7 months of pregnancy) | ||
| Ectopic Pregnancy | ||
| Hydatidiform Mole | ||
| Late Miscarriage (from day 126 to day 196 of pregnancy) | ||
| Death of Foetus (after 196 days of pregnancy) | ||
| Death of Child (within 30 days after birth) | ||
| (B) Infant Congenital Illnesses | ||
| Down's Syndrome | Not Available | RM20,000 |
| Ventricular Septal Defect | ||
| Atrial Septal Defect | ||
| Spina Bifida | ||
| Cleft Palate with Lupus Nephritis | ||
Notes:
1. Lady Care Benefit: Can be claimed only once in the lifetime of the Participant.
2. Mother Care Benefit: Can be claimed only once in the lifetime of the Participant. Claimable only one year from the date of Takaful Certificate or the date of revival (for a lapsed certificate).
3. Infant Congenital Illnesses: Can be claimed provided the child survives more than 30 days after birth and is diagnosed within 2 years after delivery.
What are the Charges?
Risk Management Charge comprising 30% of Gross Tabarru’ will be deducted monthly. This is the charge for risk management of the Tabarru’ Fund.
* The fees and charges may vary from time to time with a 90 days’ notice given.
Surplus Sharing
Every participant is entitled to share the underwriting surplus and investment profit, if any. Underwriting surplus arising from the Tabarru’ Fund will be distributed to the participants by crediting back to their ISA and buying additional units in PUA while investment profit will be shared between the participants and the company at a 70:30 ratio.
What are the Exclusions?
The standard exclusions are:
- Female Illnesses Benefits
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Self-inflicted injury
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War, riot, strike or civil commotion
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AIDS or the presence of any HIV infection
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Alcohol or substance abuse/addiction
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Any violation or attempted violation of the law or resistance to arrest
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Any elective surgery, cosmetic or plastic surgery (unless necessitated by accidental injury or illness)
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Professional sports, racing of any kind, scuba diving, aerial sport activities and any hazardous activities or sports.
Those applicable to Pregnancy Complication and Infant Congenital Illnesses only
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Any pregnancy resulting from fertility treatment, including in-vitro fertilization
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Elective termination of pregnancy other than for medical reasons
What is the Survival Period?
The benefits will only be payable provided:
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Participant is still alive 30 days after the diagnosis of the illness under Lady Care Benefit or 1st Category of Mother Care Benefit
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Participant’s Child is still alive 30 days after the diagnosis of the illness under 2nd Category of Mother Care Benefit
What is the Waiting Period?
Takaful Puteri will only be payable on the first occurrence of the respective event and the symptoms first appear after the waiting period as stipulated in table below. The waiting period commences from the date of takaful certificate documents or the date of revival (for a lapsed certificate).
Condition |
Waiting Period |
| Female related cancer | 60 days |
| Systemic Lupus Erythematosus with Lupus Nephritis | 30 days |
| Carcinoma-In-Situ of Breast or Cervix Uteri | 120 days |
| Rheumatoid Arthritis with Complications | Not applicable |
| Breast Reconstructive Surgery due to Breast Cancer | 60 days |
| Facial Reconstructive Surgery due to Accident | Not applicable |
| Skin Grafting due to Skin Cancer | 60 days |
| Skin Grafting due to Burn | Not applicable |
| Osteoporotic Fracture of the hip / vertebra | 30 days |
Disclaimer
This brochure is a brief description only. For exact details of terms and conditions, please refer to your certificate document. You should satisfy yourself that this product will serve your needs and that the contribution payable under the certificate is an amount you can afford.
