Professional Documents
Culture Documents
MAA TAKAFULINK
2012
MOST OUTSTANDING ISLAMIC RETAIL PRODUCT
2009, 2010, 2011
MOST OUTSTANDING TAKAFUL PRODUCT
TP0005/1/L/2013
CANCERCARE
It wont happen to me. Thats the first reaction when one thinks of cancer. Unfortunately, in todays day and age, no one
can say with confidence that cancer can be avoided. However, with medical advances, it is possible to diagnose most forms
of cancer early and treat them successfully.
Cancer is a sickness that does not discriminate. It does not care about the body in which it calls home. It only cares about
satisfying its greed and satisfying its need to multiply. It is merciless in its mission to take over its host completely until the
host no longer exists.
CANCERCARE
What is CancerCare
CancerCare is a medical plan that provides lump sum benefit payments if the person covered is diagnosed with Cancer,
Gender Specific Cancer or Carcinoma In Situ (CIS). In addition, we also provide a hassle free claim for funeral expenses.
Gender Specific Cancer
Male Specific Cancer
Nasopharyngeal Cancer
Cervical Cancer
Uterine Cancer
Ovarian Cancer
Prostate Cancer
Breast Cancer
Lung Cancer
Vagina Cancer
Nasopharyngeal CIS
Cervical CIS
Uterine CIS
Ovarian CIS
Prostate CIS
Breast CIS
Lung CIS
Vagina CIS
Funeral Expenses
RM10,000 is payable upon death due to any cause.
*The contribution rate is subject to 6% Goods & Services Tax (GST) effective from 1st April 2015.
What is covered under CancerCare
Benefits at a glance
1. Cancer Benefit
CANCERCARE
Benefits at a glance
4. Sum Covered amount depends on plan type.
5. The certificate shall terminate upon full payment of Cancer Benefit.
2. Funeral Expenses 1. RM10,000 will be payable upon death due to any causes.
200,000
300,000
500,000
Benefits
Funeral Expenses (FE) :
In the event of Death due to all causes,
the following amount is payable under the
plan opted.
Cancer Sum Covered
10,000
25,000
50,000
75,000
100,000
b. Cancer Benefit:
Upon diagnosis of Cancer, the following
amount is payable under the plan
opted.
Eligibility
Coverage Term
Entry Age
CANCERCARE
Example of Plan 4 (RM 100,000) Level of Cover
Scenario 1:
CIS Claim
RM 25,000
RM 75,000
RM 25,000
25%
75%
Additional 25%
Scenario 2:
Gender Specific Cancer Diagnosed
RM 100,000
RM 25,000
100%
Additional 25%
Scenario 3:
CIS Claim
No Cancer Diagnosed
RM 25,000
25%
Scenario 4:
CIS Claim
RM 25,000
RM 75,000
25%
75%
CANCERCARE
Scenario 5:
CIS Claim
RM 25,000
+ RM 10,000
25%
Contribution Rate
Indicative Contribution
Annual Contribution for RM100,000 Sum Covered
Aged 25
Aged 35
Aged 45
Aged 55
Note:
1.
2.
3.
4.
Male
222.87
Female
507.89
Male
307.70
Female
619.28
Male
808.45
Female
1141.55
Male
2058.66
Female
2285.86
The above indicative contributions are annually renewable. Please refer to Product Disclosure Sheet (PDS) for
further details on the nature of contribution for this plan.
MAA Takaful Berhad reserves the right to revise the contribution rate at time of renewal by giving 90 days written
notice prior to Certificate anniversary date to the Participant.
The contribution rates are subject to 6% Goods & Services Tax (GST) effective from 1st April 2015.Your obligation
to pay GST shall form part of the Terms and Condition in your Takaful Certificate.
You will have the flexibility to pay the contributions either monthly, quarterly, half-yearly or annually. Kindly refer
to the Annual Contributions Table.
CANCERCARE
Definitions
Wakalah Model
MAA Takaful Berhad 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. The remaining of the contributions will be allocated in Participant Risk Investment Account (PRIA) as
Tabarru (donation), 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 expiry or termination of the certificate. Surplus sharing (if any
at the end of each financial year will be shared between the Participant and MAA Takaful Berhad at 50:50 ratio to all eligible
participants as approved by Shariah Committee and Board of Directors. In the event of deficit in PRIA, it would be met
through a benevolent loan (Qardh) from the Takaful Operator. The repayment of the loan will be made as a first charge on
the future surplus arising from the PRIA.
Wakalah Fee
Certificate year
55
50
35
25
20
15
7 & Above
Note: 1Additional 2% will be added to the Wakalah Fee above for the payment under Public Sector and Worksite.
Surrender Value
There is no surrender value for the first two certificate years and the participant will be entitled to surrender benefit after
certificate year 3 subject to the surrender charge. The surrender value is guaranteed.
Termination
The coverage of a person covered shall automatically terminate on the earliest happening of the following events;
a)
b)
c)
d)
e)
upon receipt of the full payment of the sum covered attached to this certificate: or
upon full claim on the cancer benefit; or
if any contribution on this certificate remains unpaid at the end of the Grace Period; or
if the certificate becomes death claim, expires or surrendered; or
at the next contribution due date when a written request for termination of the said certificate is submitted to the
Takaful Operator to that effect.
Termination of this Certificate shall be without prejudice to any claim arising prior to such termination. The payment or
acceptance of any contribution hereunder subsequent to termination of this certificate shall not create any liability but the
Takaful Operator shall refund any such contribution.
Free-Look Period
If this Certificate shall have been issued and for any reason whatsoever the person covered shall decide not to take up this
certificate, the person covered may return the Takaful Certificate to the Takaful Operator for cancellation provided such
request for cancellation is delivered by the Person Covered to the Takaful Operator within fifteen (15) days from the date
of delivery of this Certificate. The person covered is entitled to the return of the full contribution paid less deduction of
medical expenses incurred by the Takaful Operator in the issue of this Certificate.
Exclusions
Conditions not covered by this Certificate shall include the following:
i.
ii.
CANCERCARE
iii.
iv.
v.
vi.
vii.
viii.
All Carcinoma In Situ (CIS) except for Gender Specific Carcinoma In Situ
Papillary carcinoma of the Bladder
All skin cancers except malignant melanoma
Stage 1 Hodgkins disease
Tumors manifesting as complications of AIDS
Cervical Intraepithelial (CIN) Classification including CIN I, CIN II, CIN III (Severe Dysplasia without CIS)
(The limitations stated above are not exhaustive and participants are adviced to refer to Certificate contract for further
information.)
Pre-Existing Condition
Pre-Existing Condition shall mean any illness or condition which existed before the effective date of cover and for which
the Participant should have reasonably been aware of. A Participant may be considered to have reasonable knowledge of a
pre-existing condition where the condition is one for which:
i.
ii.
iii.
iv.
CANCERCARE
CANCERCARE
Tak mungkin saya menghidap kanser. Inilah perkara yang mungkin terlintas dalam hati apabila kita memikirkan tentang
kanser. Malangnya, dalam dunia hari ini, tiada siapa yang boleh bersikap terlalu yakin bahawa mereka boleh mencegah
penyakit memudaratkan ini. Namun, dengan kemajuan perubatan yang sedia ada, kebanyakan kanser boleh dikesan di
peringkat awal dan berjaya dirawat.
Kanser ialah sejenis penyakit yang tidak memilih bulu. Penyakit ini tidak peduli badan siapa yang diserangnya. Sel kanser hidup
semata-mata untuk memenuhi matlamatnya sendiri untuk membiak. Kanser langsung tidak menunjukkan belas kasihan dalam
usahanya untuk mengambil alih badan perumah sehingga tubuh yang dihuninya tidak lagi wujud.
CANCERCARE
Mengenai CancerCare
CancerCare ialah pelan perubatan yang menyediakan bayaran manfaat sekali gus jika orang dilindungi menghidap Kanser,
Kanser Khusus Jantina atau Karsinoma In Situ (CIS). Selain itu, kami juga memudahkan tuntutan dibuat bagi perbelanjaan
untuk pengebumian.
Kanser Khusus Jantina
Kanser Khusus Lelaki
Kanser Nasofarinks
Kanser Serviks
Kanser Uterus
Kanser Ovari
Kanser Prostat
Kanser Paru-Paru
Kanser Vagina
CIS Nasofarinks
CIS Serviks
CIS Uterus
CIS Ovari
CIS Prostat
CIS Paru-Paru
CIS Vagina
Khairat Kematian
RM10,000 akan dibayar bagi kematian atas apa jua sebab.
*Kadar caruman adalah tertakluk kepada 6% Cukai Barangan dan Perkhidmatan (GST) berkuatkuasa 1 April 2015.
Penyakit yang dilindungi di bawah CancerCare
Manfaat sepintas lalu
1. Manfaat Kanser
CANCERCARE
Manfaat sepintas lalu
3. Perlindungan Kanser Maksimum:125% Jumlah Perlindungan
4. Jumlah Perlindungan bergantung kepada jenis pelan.
5. Sijil akan ditamatkan selepas bayaran penuh Manfaat Kanser.
2. Belanja Pengebumian
1. RM10,000 akan dibayar apabila berlaku kematian atas apa jua sebab.
200,000
300,000
500,000
Manfaat
Belanja Pengebumian (BP) :
Sekiranya berlaku Kematian atas apa jua
sebab, jumlah berikut akan dibayar di
bawah pelan yang dipilih.
Jumlah Perlindungan Untuk Kanser
10,000
25,000
50,000
75,000
100,000
b. Manfaat Kanser:
Selepas disahkan menghidap Kanser,
jumlah berikut perlu dibayar di bawah
pelan yang dipilih.
Usia Penyertaan
: 0 65 Tahun
: 18 tiada had tahun
CANCERCARE
Contoh Tahap Perlindungan Pelan 4 (RM 100,000)
Senario 1:
Tuntutan CIS
RM 25,000
RM 75,000
RM 25,000
25%
75%
Tambahan 25%
Senario 2:
Kanser Khusus Jantina Disahkan
RM 100,000
RM 25,000
100%
Tambahan 25%
Senario 3:
Tuntutan CIS
RM 25,000
25%
Senario 4:
Tuntutan CIS
RM 25,000
RM 75,000
25%
75%
CANCERCARE
Senario 5:
Tuntutan CIS
RM 25,000
+ RM 10,000
25%
Kadar Caruman
Caruman Contoh
Caruman Tahunan bagi Jumlah Perlindungan RM100,000
Usia 25 tahun
Usia 35 tahun
Usia 45 tahun
Usia 55 tahun
Nota:
1.
2.
3.
4.
Lelaki
222.87
Wanita
507.89
Lelaki
307.70
Wanita
619.28
Lelaki
808.45
Wanita
1141.55
Lelaki
2058.66
Wanita
2285.86
Caruman contoh di atas diperbaharui setiap tahun. Sila rujuk kepada Lembaran Pendedahan Produk bagi butiran
selanjutnya mengenai sifat caruman bagi pelan ini.
MAA Takaful Berhad berhak untuk menyemak semula kadar caruman pada masa pembaharuan dengan memberikan
notis 90 hari sebelum tarikh ulang tahun Sijil Peserta.
Kadar caruman adalah tertakluk kepada 6% Cukai Barangan dan Perkhidmatan (GST) berkuatkuasa 1 April 2015.
Kewajipan anda untuk membayar GST akan membentuk sebahagian daripada Terma-Terma dan Syarat di dalam
Sijil Takaful anda.
Anda diberi fleksibiliti untuk membayar caruman secara bulanan, suku tahunan, setengah tahunan atau tahunan.
Sila rujuk kepada Jadual Caruman.
CANCERCARE
Definisi
Model Wakalah
A Takaful Berhad beroperasi di bawah prinsip Wakalah, di mana Pengendali Takaful selaku agen mengendalikan operasi
perniagaan Takaful kepada Peserta. Yuran Wakalah akan dikenakan terlebih dahulu daripada caruman yang telah dibayar. Baki
caruman akan dimasukkan ke dalam Akaun Pelaburan Risiko Peserta (APRP) sebagai Tabarru (menderma), di mana ia akan
digunakan untuk memberi bantuan bagi kegunaan bersama antara peserta berdasarkan konsep Takaful. Manfaat hanya akan
dibayar dari APRP bagi kerugian yang dilindungi dan bukan semasa sijil matang atau sijil telah tamat. Lebihan (jika ada) pada
setiap akhir tahun kewangan akan dikongsi antara Peserta dan MAA Takaful Berhad mengikut nisbah 50:50 setelah diluluskan
oleh Jawatankuasa Syariah dan Lembaga Pengarah. Jika baki di dalam PRIA tidak mencukupi untuk membayar manfaat Takaful
kepada Peserta-peserta, Kami akan menampung kekurangan di dalam PRIA di bawah prinsip pinjaman kebajikan (Qardh
Hasan). Sekiranya terdapat lebihan daripada APRP pada akhir tahun kewangan akan datang, pembayaran balik pinjaman akan
diutamakan terlebih dahulu sebelum pengagihan lebihan dibuat.
Yuran Wakalah
Tahun Sijil
55
50
35
25
20
15
7 & seterusnya
Nota: 1Lebihan 2% Yuran Wakalah akan dikenakan bagi bayaran melalui Biro Angkasa dan Worksite.
Nilai Serahan
Tiada nilai serahan bagi dua tahun sijil pertama dan peserta layak mendapatkan manfaat serahan selepas tahun 3 sijil tertakluk
kepada yuran serahan. Nilai serahan adalah dijamin.
Penamatan
Perlindungan orang dilindungi akan tamat secara automatik apabila berlaku peristiwa berikut, yang mana lebih awal;
a)
b)
c)
d)
e)
selepas menerima bayaran penuh jumlah perlindungan di dalam sijil ini; atau
selepas tuntutan penuh manfaat kanser; atau
jika sebarang caruman sijil ini tidak berbayar pada akhir Tempoh Tangguh; atau
jika sijil menjadi tuntutan kematian, luput atau diserahkan; atau
pada tarikh caruman seterusnya perlu dibayar, apabila permintaan bertulis bagi penamatan sijil dikemukakan kepada
Pengendali Takaful untuk berbuat demikian.
Penamatan Sijil ini tidak akan menjejaskan sebarang tuntutan sebelum penamatan tersebut. Bayaran atau penerimaan
sebarang caruman di bawah ini selepas penamatan sijil tidak akan mewujudkan sebarang liabiliti tetapi Pengendali Takaful
hendaklah memulangkan sebarang caruman sedemikian.
Tempoh Menunggu
Jika Sijil ini telah dikeluarkan dan jika atas apa jua sebab, orang dilindungi membuat keputusan untuk tidak menerima sijil ini,
orang dilindungi boleh memulangkan Sijil Takaful kepada Pengendali Takaful untuk dibatalkan dengan syarat permohonan
pembatalan tersebut diserahkan oleh Orang Dilindungi kepada Pengendali Takaful dalam tempoh lima belas (15) hari dari
tarikh Sijil ini dihantar. Orang dilindungi layak menerima pemulangan caruman penuh yang dibayar, ditolak belanja perubatan
yang ditanggung oleh Pengendali Takaful semasa mengeluarkan Sijil ini.
Pengecualian
Penyakit yang tidak dilindungi oleh Sijil ini termasuk yang berikut:
i.
ii.
CANCERCARE
iii.
iv.
v.
vi.
vii.
viii.
(Had-had yang dinyatakan di atas tidak menyeluruh dan peserta dinasihatkan merujuk kontrak Sijil untuk maklumat
selanjutnya.)
Penyakit Sedia Ada
Penyakit Sedia Ada hendaklah bermaksud sebarang penyakit atau masalah yang berlaku sebelum tarikh perlindungan
berkuatkuasa dan yang sewajarnya disedari oleh Peserta. Peserta boleh dianggap wajar mengetahui tentang penyakit sedia
ada itu apabila:
i.
ii.
iii.
iv.
Sign Up Now
MAA Takaful Berhad, 8th Floor, No.566, Jalan Ipoh, 51200 Kuala Lumpur.
For further enquiries, please call us at 603 6287 6666 or fax to 603 6259 0088
or e-mail us at info@maatakaful.com.my