Etiqa i-Secure

Etiqa's i-Secure is a takaful family protection plan that will serve you with
coverage in the case of Death as well as, Total and Permanent Disability.
This protection is not only meant to benefit you, but offers your loved ones
peace of mind too.


o RM100k Minimum Sum Assured

o Death and TPD Coverage Until Age 76
o TPD Benefit Up To 100% of Sum Assured
o Death Benefit Up To 100% of Sum Assured

Features
What makes this Etiqa insurance policy stand out?

Cover Term
Protection up to age 75
Premium Type
Progressive rate. Increases as you age.
Plan Renewal
Option to renew plan .
Income Tax Relief
Up to a maximum of RM3,000 a year.
 Protection for Your Family
How will Etiqa help to secure my family’s financial future?

What's covered by your insurance plan

Main Coverage Coverage Period

Death
A lump-sum payment to your family when you
die of any causes from 21 to 76 years old

Total and Permanent Disability

When you’re unable to work or take care of
yourself due to ongoing injury or sickness from 21 to 76 years old

Age Requirements
Am I eligible to apply for this Etiqa insurance?

Minimum Age
at least 21 years of age
Maximum Age
at most 45 years of age
Expiry Age
at most 75 years of age
 Frequently Asked Questions about Etiqa i-Secure
Things you might want to know

What is i-Secure by Etiqa Takaful?

For protection that counts, i-Secure is a term takaful policy that provides lump sum payments for
your family if anything were to happen to you as a result of Death or Total and Permanent
disability. 

You are an important member of your family, regardless of age and ability. So, don't take life for
granted! Plan ahead so that in case a tragedy occurs that results in your death or permanent
disability, your loved ones are covered. 

Am I covered in the case of Death or Permanent Disability?

This takaful plan is tailored especially for situations that compromise the financial security of
your family. In the event of your Death, your family will receive 100% of the sum assured, the
coverage will be active till you turn 75 years old. However, this is subject to your death
occurring after the first year of your certificate term.

The same coverage applies for total and permanent disability. you'll receive 100% of your sum
assured, should you be totally and permanently disabled, due to unforeseen circumstances or
illnesses. This is subject to your permanent disability occurring before you've turn 45.

How much coverage do I get with this takaful policy?

That is entirely up to you! The i- Secure offers coverage plans, with the minimum sum assured
of RM100,000 and a maximum sum assured of RM500,000. As long as you do not subscribe to a
maximum of RM500,000 you can add to your sum assured in intervals of RM10,000. 

You can also subscribe to multiple plans, as long as the collective sum assured, is equal to or
below RM500,000. 

How is this a Takaful plan?

i- Secure applies the concept of Wakalah where a fee is paid to Etiqa Takaful Berhad to manage
your contributions on your behalf. The Wakalah fee is a fixed deduction of 30% from the
contributions in addition to a RM50 deduction per annum per certificate. 

How do I qualify for the i-Secure?

That is a question with an easy answer. You are eligible for this term takaful product if you are at
least 21 years of age and can still apply for it as long as you are under 45 years of age. The
approval of your application will be based on your fulfillment of Etiqa's health requirements.
Group family takaful
When employees are like family, their families need care too.
Employee retention and motivation are probably the key challenges that employers face in a
competitive work environment. It is important to get the employees to focus on their job and
remain committed to long term. Employees work with a lot of dedication when they believe
their organization truly cares about their well-being. Group Term Takaful solutions address
employees’ needs of Takaful life insurance coverage providing peace of mind while ensuring
their families in case they are no longer there to support them.
Key Features:

A low-cost, easy to administer policy that can be renewed annually. A single master policy for
all employees of the group.
Flexibility that shall provide the optimal plan suiting the coverage needs. Takaful cover can be
uniform or grade linked to designations, length of service or salaries.
Adds value to Takaful plan by adding additional benefits.
Easy administration: new members can join and outgoing members can leave the scheme at
any time with premium adjustment.
Lower group rates as compared to individual Takaful insurance.
Most employees are covered without any evidence of health.
Supplementary Takaful Benefits
Abu Dhabi National Takaful Co. PSC Group Term Takaful Scheme gives employers the facility to
tailor the package to their specific needs by choosing from a comprehensive range of
additional/supplemental Takaful benefits available. All covers are available on a 24-hour
worldwide basis and covers both on-duty and off-duty risks.

Accidental Death Benefit (ADB) – Double Indemnity.

Permanent Total Disability Benefit (PTD) due to Accident or Sickness
Permanent Partial Disability Benefit (PPD) due to Accident or Sickness
Temporary total Disability Benefit (TTD) due to Accident or Sickness
Medical Expenses Reimbursement Benefit (MER).
Critical Illness Benefit (CIB).
Passive War Risk Benefit (PWR).
Repatriation Benefit.
Data Requirements
The basic data required from the employer are the list of employees, including the names,
dates of birth, employee code or any other unique ID numbers.

In case of uniform coverage no further details are required.

In case of graded coverage linked to salaries, designation, length of service or any other
variable, details of the same shall be required for each employee. This information is required
to calculate the Takaful benefit (sum assured) and will also be required at each renewal date.

Timely adjustments of fluctuations (additions or deletions) can be made if the turnover of

employees is communicated along with names, dates of birth and date of leaving or joining.
Service Standards
At Abu Dhabi National Takaful Co. PSC, we strive to provide excellent services and Endeavour to
serve our customers beyond their expectations.

We have set up stringent service standards so that we may satisfy our customers consistently
Key Features:

Preparation of quotations within 5 business days of quotation request from the customer
hen employees are like family, their families need care too.
Employee retention and motivation are probably the key challenges that employers face in a
competitive work environment. It is important to get the employees to focus on their job and
remain committed to long term. Employees work with a lot of dedication when they believe
their organization truly cares about their well-being. Group Term Takaful solutions address
employees’ needs of Takaful life insurance coverage providing peace of mind while ensuring
their families in case they are no longer there to support them.
Key Features:

A low-cost, easy to administer policy that can be renewed annually. A single master policy for
all employees of the group.
Flexibility that shall provide the optimal plan suiting the coverage needs. Takaful cover can be
uniform or grade linked to designations, length of service or salaries.
Adds value to Takaful plan by adding additional benefits.
Easy administration: new members can join and outgoing members can leave the scheme at
any time with premium adjustment.
Lower group rates as compared to individual Takaful insurance.
Most employees are covered without any evidence of health.
Supplementary Takaful Benefits
Abu Dhabi National Takaful Co. PSC Group Term Takaful Scheme gives employers the facility to
tailor the package to their specific needs by choosing from a comprehensive range of
additional/supplemental Takaful benefits available. All covers are available on a 24-hour
worldwide basis and covers both on-duty and off-duty risks.

Accidental Death Benefit (ADB) – Double Indemnity.

Permanent Total Disability Benefit (PTD) due to Accident or Sickness
Permanent Partial Disability Benefit (PPD) due to Accident or Sickness
Temporary total Disability Benefit (TTD) due to Accident or Sickness
Medical Expenses Reimbursement Benefit (MER).
Critical Illness Benefit (CIB).
Passive War Risk Benefit (PWR).
Repatriation Benefit.
Data Requirements
The basic data required from the employer are the list of employees, including the names,
dates of birth, employee code or any other unique ID numbers.

In case of uniform coverage no further details are required.

In case of graded coverage linked to salaries, designation, length of service or any other
variable, details of the same shall be required for each employee. This information is required
to calculate the Takaful benefit (sum assured) and will also be required at each renewal date.

Timely adjustments of fluctuations (additions or deletions) can be made if the turnover of

employees is communicated along with names, dates of birth and date of leaving or joining.
Service Standards
At Abu Dhabi National Takaful Co. PSC, we strive to provide excellent services and Endeavour to
serve our customers beyond their expectations.

We have set up stringent service standards so that we may satisfy our customers consistently
Key Features:

Preparation of quotations within 5 business days of quotation request from the customer