Family Takaful (Takaful Keluarga)

Family takaful

What is family takaful?

Family takaful provides you with both a protection policy and long-term savings for your peace of mind. You or your beneficiary will be provided with financial benefits if you suffer a tragedy. At the same time, you will enjoy an investment return because part of your contribution will be deposited in an account for the purpose of savings. You have a choice of maturity periods and there is no forfeiture in the event of cancellation. You are also entitled to personal tax relief when you participate in family takaful.

Salient features of famlily takaful

• Open to all individuals aged 18 to 55 years
• A choice of maturity periods
• No forfeiture in event of cancellation
• Facility for part-withdrawal
• Surplus sharing with takaful operator
• Provide long-term savings and investment

Basic type of family takaful

Ordinary family

1)Individual family takaful

The plans include education, mortgage, health and riders. You and your beneficiary will receive financial benefits arising from death or permanent disability, as well as long-term savings (investment), and investment profits that are distributed upon claim, maturity or early surrender.

2)Group family takaful

This policy is for employers, clubs, associations and societies. The plans include group education, group medical, health and riders. A minimum number of participants are required to qualify under these plans. You will receive protection in the form of financial benefits arising from death or permanent disability.

Retirement annuity

A plan that provides regular income upon your retirement.

Investment-linked takaful

A portion of your contribution is used to buy investment units, such as units in equity or fixed income securities. The takaful protection covers death and permanent disability. A family takaful rider is an extension of the basic family takaful. The rider provides coverage against personal accident and disability, medical and health

How to choose the best family takaful?

• Consider a plan that best suits your life stage
• Understand the scope of cover provided under the plan

Understanding the condition & key term of family takaful

It is important that you understand the terms and conditions used in family takaful. If you have any doubts about the meanings of these terms, you should ask your agent or the takaful operator. As the certificate is a legal contract, the meanings used in the certificate will apply when a claim is made.

Takaful keluarga

Apakah takaful keluarga?

Takaful keluarga menawarkan faedah perlindungan insurans hayat dan simpanan jangka panjang kepada anda. Anda atau waris anda akan mendapat manfaat dalam bentuk kewangan jika anda ditimpa kemalangan. Pada masa yang sama, anda akan menikmati simpanan persendirian jangka panjang kerana sebahagian daripada caruman anda akan didepositkan ke dalam sebuah akaun untuk tujuan simpanan.

Anda boleh memilih sendiri tempoh matang pelan anda dan tidak ada pelucutan hak sekiranya anda membatalkan pelan takaful keluarga anda. Anda juga layak dikecualikan daripada cukai pendapatan jika anda menyertai pelan takaful keluarga

Ciri-ciri utama takaful keluarga

• Terbuka kepada semua individu berumur di antara 18 sehingga 55 tahun
• Pilihan tempoh matang sendiri
• Tiada pelucutan hak jika berlaku pembatalan
• Kemudahan pengeluaran sebahagian daripada caruman
• Perkongsian lebihan dengan pengendali takaful
• Menyediakan simpanan dan pelaburan jangka panjang

Jenis-jenis takafuk keluarga

Keluarga

1)Individu

Ini termasuk pelan pelajaran, gadai janji, kesihatan dan ‘rider’. Anda akan menerima manfaat kewangan jika berlaku kematian atau hilang upaya kekal, serta simpanan jangka panjang (pelaburan) dan keuntungan pelaburan yang akan diberikan sekiranya dituntut, matang atau serahan awal.

2)Kumpulan

Ini termasuk pelan pelajaran berkumpulan, perubatan berkumpulan, kesihatan dan ‘rider’. Jumlah minimum peserta dikehendaki untuk layak memasuki pelan ini. Anda akan mendapat perlindungan dalam bentuk manfaat kewangan sekiranya berlaku kematian atau hilang upaya kekal.

Anuiti

Pelan yang memberi pendapatan tetap selepas anda bersara

Berkaitan pelaburan

Sebahagian daripada caruman anda akan digunakan untuk membeli unit-unit pelaburan seperti unit saham atau sekuriti pendapatan tetap. Perlindungan takaful merangkumi kematian dan hilang upaya kekal.

Tips untuk memilih takaful keluarga

• Memilih pelan yang benar-benar sesuai dengan peringkat hidup anda
• Memahami skop perlindungan pelan tersebut

Memahami  syarat utama & terma takaful keluarga

Anda harus memahami terma dan syarat yang digunakan di dalam pelan takaful keluarga yang anda beli. Sekiranya terdapat perkara yang tidak anda fahami, ajukan pertanyaan anda kepada ejen anda atau pengendali takaful. Oleh kerana sijil takaful merupakan kontrak yang sah, maksud-maksud yang termaktub di dalam sijil tersebut akan diguna pakai semasa membuat tuntutan.

source: insurance info