Evo Product

COPYRIGHT GREAT EASTERN TAKAFUL BERHAD (916257-H) ALL RIGHTS RESERVED
No part of this publication may be reproduced, translated, stored in a retrieval system, or transmitted, on any form or by
any means, electronic, mechanical, photocopying, recording, or otherwise, without the prior written permission of
PAGE 1|GREAT EASTERN TAKAFUL BERHAD | CONFIDENTIAL & FOR INTERNAL USE ONLY |OCT 2020
GREAT EASTERN TAKAFUL BERHAD, the developer and copyright owner
Medical Protection For Loved Ones
Optional Rider
Critical Illness
Waiver of
Protection
Optional Rider Contribution
Optional Rider
Hospital Benefit RM
Accidental Coverage
Optional Rider Optional Rider
Medical Protection
Paying for Healthcare in MALAYSIA
Reported healthcare spending from total Reported financial sources used by household
household monthly expenditure (by FY): for paying for health services:
5.1%
81% Current Income
4.6%
3.6%
36% Savings
2011 2013 2019 11% Borrow

How many individuals are covered? Reasons for not having Personal Health
Coverage:
Not Needed
Only 22% 36%
of Malaysians are covered by
Personal Health Coverage. Cannot
Afford 43%
Source: http://www.iku.gov.my/images/IKU/Document/REPORT/NHMS2019/Infographic_Booklet_NHMS_2019-English.pdf
Malaysian General Health Outpatient Healthcare utilisation
Hospital Admission Home / Alternative Care
Medical Protection
Primary Medical Cover: i-Medi Rider (J94-J95) NEW + NEW

Secondary Medical Cover: i-Medi Ex Rider (J108)
• Provides coverage for hospitalisation and surgical expenses • This rider can only be attached with i-Medi Rider
• 2 plans - Room & Board (R&B) limit of RM150 and RM200* • 1 plan only
• Deductible Amount of RM300 and RM500 per disability, • Removes the Deductible Amount of Primary Medical Cover
respectively • Extends the OAL - UNLIMITED
• Overall Annual Limit (OAL) of RM 100,000 and RM • Up to RM 2 million (with no Co-Takaful),
200,000*
• Total expenses exceeding the above limit will be
* The R&B limit will increase RM50 every 5 certificate years (on the 5th subjected to 20% Co-Takaful
certificate anniversary) up to R&B RM300 or RM500 respectively. The Overall
Annual Limit will also increase RM50,000 every 5 certificate years up to
RM300,000 or RM500,000 respectively. Other benefits remained the same.
Eligibility Min Max

Entry Age 14 days attained age 70 years next birthday
Until age 25 or 80 years (consistent with coverage term under the basic plan, with Auto
Coverage Term
Extension option)
Terms and Conditions apply. PAGE 11|GREAT EASTERN TAKAFUL BERHAD | CONFIDENTIAL & FOR INTERNAL USE ONLY |OCT 2020
NEW
Terms and Conditions apply.
ITEM COVERED BENEFITS LIMITS (RM) ITEM COVERED BENEFITS LIMITS (RM)
PRIMARY MEDICAL COVER T MED150 (J 94) T MED200 (J 95) PRIMARY MEDICAL COVER T MED150 (J 94) T MED200 (J 95)
DEDUCTIBLE AMOUNT Other Benefits
300 500
(per disability for item 1 - 7) 16 Ambulance Fees
As Charged, subject to Annual Limit, Terms
Inpatient Benefit Organ Transplant
17 and Conditions.
Hospital Room and Board* 150 200 (limit to once per lifetime as receiver)
1
(Limit per day, for unlimited number of days) up to 300 up to 500 Daily-Cash Allowance at Malaysian
Intensive Care Unit 18 Government Hospital 150 200
2 (Per day, for unlimited number of days)
(Limit per day, for unlimited number of days)
3 Hospital Supplies and Services 1,000 per eye and maximum of 2,000 per
As Charged, subject to Annual Limit, 19 Intraocular Lens
4 Surgical Fees lifetime
Terms and Conditions.
5 Operating Theatre Daily Guardian (for child hospitalization)
6 Anaesthetist Fees 20 (Per day, subject to a maximum of 180 days N/A 200
7 In Hospital Physician Visit (2 visits per day) in a Certificate Year)
Outpatient Benefit UNLIMITED, in accordance with the benefit
21 Outpatient GP Tele-Consultation
provisions in teleconsultation agreement
Pre-Hospitalisation Diagnostic Tests
8 Supreme Assist
(Within 60 days before hospitalisation) 22 500,000
(Emergency Medical Assistance Services)
Pre-Hospitalisation Specialist
9 1 time for any 1 Covered Condition in any 1
(Within 60 days before hospitalisation)
Post-Hospitalisation Treatment 23 Executive Second Opinion (ESO) Certificate Year, and
10 As Charged, subject to Annual Limit,
(Within 180 days after hospital discharge) 3 times in total per Person Covered
Terms and Conditions.
11 Outpatient Day Surgery Service tax and/or other tax(es) incurred on
12 Outpatient Cancer Treatment 24 Malaysian Tax Covered Benefits, for which a claim is
13 Outpatient Kidney Dialysis Treatment payable; not subject to Overall Annual Limit
14 Outpatient Dengue Treatment Overall Limits
Outpatient Emergency Accidental Treatment Overall Annual Limit* for Items (1) to (20) 100,000 200,000
25
15 (Limit per Certificate Year, subject to a 5,000 (OAL) (Based on paid amount) Up to 300,000 Up to 500,000
maximum of 30 days from the date of accident) 26 Overall Lifetime Limit (OLL) No Lifetime limit
* Notes: The Room & Board limit will increase RM 50 every 5 certificate years (on the fifth certificate anniversary) up to R&B 300 (15th year onwards) or R&B 500 (30th year onwards) respectively. The Overall Annual Limit will also
PAGE
increase RM 50,000 every 5 certificate years (on the fifth certificate 12|GREAT up
anniversary) EASTERN TAKAFUL(20
to RM 300,000 BERHAD
th year | CONFIDENTIAL
onwards) & FOR INTERNAL
or RM 500,000 (30th yearUSE ONLY |OCT
onwards) 2020 while other benefits remained the same.
respectively
NEW Terms and Conditions apply.
ITEM COVERED BENEFITS LIMITS (RM)
SECONDARY MEDICAL COVER T MX (J108)

NO DEDUCTIBLE
DEDUCTIBLE AMOUNT
Deductible feature under T MED150 and T MED200 will be automatically
(per disability for item 1 - 7)
removed when T MX is attached.
UNLIMITED
Extended Overall Annual Limit Up to RM2,000,000 – No Co-Takaful
Exceed RM2,000,000 – 20% Co-Takaful will be imposed on the exceeded
amount.
Medical plan(s) that considers your future needs
Example on i-Medi Rider: R&B 150

R&B
R&B Annual Limit of
Annual Limit of
R&B
Annual Limit of Year 21 onwards
R&B
Annual Limit of Year 16 – 20
R&B
Annual Limit of Year 11 – 15
Year 6 - 10
Year 1 - 5
i-Medi ExPlus Rider
 Converts the plan to NO DEDUCTIBLE

 No Annual Limit (subject to Co-Takaful after RM2 million)
EXAMPLE SCENARIO 1
Khadijah
Female, 30 ANB, Non-Smoker R&B
Occupation (Occ) Class 1
Coverage Term: 50 years
RM 150
Basic Sum Covered: RM 50,000
Medi Rider: Plan 150
During the 6th Certificate year, she was admitted Within 90 days of hospitalisation, she was 5 months after the 2nd hospitalisation, she was
in Hospital A due to chronic Food Poisoning with admitted AGAIN in Hospital B due to for the admitted AGAIN in Hospital B due to the same
R&B 200 and OAL of RM150,000. She will need same conditions. This time she does not conditions. She will need to pay ‘another’ Deductible
to pay the Deductible of RM 300. need to pay the Deductible. of RM 300.
1 2 3
…………………………………………..………………
If Khadijah were to attache i-Medi

AGE: 30 Ex+ Rider, she does not have to pay 80
the Deductible amount of RM 300
After the 5th Certificate year, the R&B on two out of the three If Khadijah continue to inforce her i-Medi
increases RM 50 to R&B RM 200 with OAL of hospitalisation occasions. Rider, she will be entitled up to maximum of
RM150,000. R&B 300 and OAL of RM300,000.
Start Paying
Monthly Contribution with i-Great Evo:
RM 172.15 @ 30 ANB (TBC)
PAGE 15|GREAT EASTERN TAKAFUL BERHAD | CONFIDENTIAL & FOR INTERNAL USE ONLY |OCT 2020 This is for illustration purpose only.
EXAMPLE SCENARIO 2
Johan
Male, 30 ANB, Non-Smoker R&B
Occupation (Occ) Class 1
RM200
Sum Covered: 50,000
During the 6th Certificate year, he was admitted in 1 month after hospitalisation, he met with another
Hospital A for 2 days due to a Car Accident and Car Accident, and broke his arm. As this is a
fractured his leg with R&B 250 and OAL of different disability (and cause), he will need to pay
RM250,000. He will need to pay the Deductible of Deductible of RM 500 due to different Disability.
RM 500.
1 2
……………………………………………..
If Johan were to attach i-Medi 80

AGE: 30 Ex+ Rider, he does not have to
pay the Deductible amount of
If Johan continue to inforce his i-Medi Rider,
After the 5th Certificate year, the R&B RM 500 on both occasions.
he will be entitled up to maximum of R&B
increases RM 50 to R&B RM 250 with OAL of
500 and OAL of RM500,000.
RM250,000.
Start Paying
Monthly Contribution with i-Great Evo:
RM 198.40 @ 30 ANB (TBC) Terms and Conditions apply.
PAGE 16|GREAT EASTERN TAKAFUL BERHAD | CONFIDENTIAL & FOR INTERNAL USE ONLY |OCT 2020 for illustration purpose only.
This is
Critical Illness
Protection
Malaysian in reality….
The Fattest in South East Asia
1 in 2 Adults are Overweight or Obese
1 in 4 adults are NOT Active
Physical inactivity is the 4th leading risk factor for global mortality
Source:
1. iMoney May 2016
2. http://www.iku.gov.my/images/IKU/Document/REPORT/NHMS2019/Infographic_Booklet_NHMS_2019-English.pdf
Diabetes prevalence (%) trend
Diagnosed Do not Know 9.1 8.9
8.3
7.2
5.1
4.0
2011 2015 2019
High Cholesterol in Malaysia The 3-in-1 that may lead to death
Most people aged 40-59 years

did not know that they have
raised total cholesterol
Cancer in Malaysia Economic Impact of Cancer in Malaysia
1 in 4 A year after diagnosis Died

will develop Cancer by the age 75 years old
11%
Alive with No
100,000 Malaysians living with Cancer at any one time Financial 45%
Financial
Catastrophe
Catastrophe 44%
Common Cancer in Female Common Cancer in Male
• Breast • Colon
• Colon • Lung
• Cervical • Nasopharyngeal
• Ovarian • Lymphoma A year following diagnosis and treatment
• Lung • Prostate
1.2 : 1 46%
39%
Female: Male Cancer Ratio 35%
Couldn’t
Common Cancer in Children Couldn’t 22%
pay for
• Both Lymphoma and Leaukaemia Used pay for 19%
consulta Couldn’t
• Leukaemia Personal medica- -tion & pay rent/ Stopped
• Lymphoma Savings tion tests mortgage treatment
Source:
1) https://www.theborneopost.com/2017/10/15/truths-and-myths-about-cancer/
2) https://www.malaymail.com/news/malaysia/2016/12/05/why-new-cancer-drugs-are-unavailable-in-malaysian-public-hospitals/1264815
Critical Illness Protection
NEW NEW
i-Lifetime Critical Illness Benefit Term Rider (LCI) (J89) i-Early Lifetime Critical Illness Benefit Term Rider (ELCI) (J107)
This rider will accelerate the Basic Sum Covered This rider can only be attached if LCI is attached. It will accelerate the
LCI and the Basic Sum Covered. It pays the Rider Sum Covered upon
Age Covered CI Benefit Payout
early onset of listed Critical Illness severity conditions:
Age 1 to 18 years 45 CI 50% of the Rider Sum Covered. • Severity 25: 20% of Rider Sum Covered (10% for Child PC)
(Child Person Covered) + 11 Child No more CI claim will be • Severity 50: 50% of Rider Sum Covered (25% for Child PC)
CI payable until PC becomes adult Age Covered CI Benefit Payout
at 19 years ANB.
Age 1 to 18 years 45 CI Can be multiple payout up to total
Age 19 and above 45 CI 100% of the Rider Sum (Child Person Covered) 50% of Rider Sum Covered
(Adult Person Covered) Covered or the balance of the Age 19 and above 45 CI Can be multiple payout up to 100%
Rider Sum Covered, where (Adult Person Covered) of Rider Sum Covered of the
applicable. balance of the Rider Sum Covered.
Eligibility Min Max

Entry Age 14 days attained age 65 years ANB
Coverage Term Until age 25, or 80 years (consistent with coverage term under the basic plan, with Auto Extension option)
RM10,000 RM2,000,000
Sum Covered
For Child Person Covered, the max Sum Covered is RM1,000,000
i-Lifetime Critical Illness Benefit Term Rider (J107) Terms and Conditions apply.
45 Critical Illness (1 year old and above)
31. Motor Neuron Disease – permanent neurological deficit
1. Alzheimer's Disease/ Severe Dementia 16. Elephantiasis
with persisting clinical symptoms
2. Angioplasty and Other Invasive Treatments for Coronary 17. Encephalitis - resulting in permanent inability to
32. Multiple Sclerosis
Artery Disease perform Activities of Daily Living
3. Apallic Syndrome 18. End-Stage Liver Failure 33. Muscular Dystrophy
4. Bacterial Meningitis - resulting in permanent inability to 34. Occupationally Acquired Human Immunodeficiency
19. End-Stage Lung Disease
perform Activities of Daily Living Virus (HIV) Infection
5. Benign Brain Tumor - of specified severity 20. Full-Blown AIDS 35. Paralysis of Limbs
36. Parkinson's Disease – resulting in permanent inability to
6. Blindness - permanent and irreversible 21. Fulminant Viral Hepatitis
perform Activities of Daily Living
7. Brain Surgery 22. Heart Attack - of specified severity 37. Poliomyelitis
8. Cancer - of specified severity and does not cover very 38. Primary Pulmonary Arterial Hypertension – of specified
23. Heart Valve Surgery
early cancers severity
9. Cardiomyopathy – of specified severity 24. HIV Infection Due to Blood Transfusion 39. Progressive scleroderma
10. Chronic Aplastic Anemia - resulting in Permanent Bone
25. Kidney Failure - requiring dialysis or kidney transplant 40. Serious Coronary Artery Disease
Marrow Failure
41. Stroke - resulting in permanent neurological deficit with
11. Chronic Relapsing Pancreatitis 26. Loss of Independent Existence
persisting clinical symptoms
12. Coma - resulting in permanent neurological deficit with
27. Loss of Speech 42. Surgery to Aorta
persisting clinical symptoms
28. Major Head Trauma - resulting in permanent inability to 43. Systemic Lupus Erythematosus with Severe Kidney
13. Coronary Artery By-Pass Surgery
perform Activities of Daily Living Complications
14. Creutzfeldt-Jakob disease (CJD) (Mad Cow Disease) –
29. Major Organ/ Bone Marrow Transplant 44. Terminal Illness
requiring continuous assistance
15. Deafness - permanent and irreversible 30. Medullary Cystic Disease 45. Third Degree Burns - of specified severity
11 Child Specific CI (1 year old – 18 years old)

1. Asthma 5. Epilepsy 9. Nephrotic Syndrome
2. Type 1 Diabetes 6. Glomerulonephritis with Nephrotic Syndrome 10. Cholangitis
3. Kawasaki 7. Intellectual Impairment due to Illnesses or Accident 11. Aplastic Anaemia
4. Juvenile Rheumatoid Arthritis 8. Adolescent Morbid Obesity
i-Early Lifetime Critical Illness Benefit Term Rider (J89) New and
Improved
 Provides specific 45 Early Critical Illness (“CI”) protection according to Severity
Item List of Core Critical Illnesses (CI) Severity 25 Severity 50 Item List of Core Critical Illnesses (CI) Severity 25 Severity 50
Adult Person Covered Payout 20% Payout 50% Adult Person Covered Payout 20% Payout 50%
Child Person Covered Payout 10% Payout 25% Child Person Covered Payout 10% Payout 25%
1. Alzheimer's Disease/ Severe Dementia √ √ 25. Loss of Independent Existence √ √
2. Angioplasty and Other Invasive Treatments for 26. Loss of Speech √ √
NA NA
Coronary Artery Disease
27. End-Stage Lung Disease √ √
3. Apallic Syndrome √ √
28. Major Head Trauma √ √
4. Bacterial Meningitis √ √
5. Benign Brain Tumor √ NA 29.. Major Organ/ Bone Marrow Transplant √ √
6. Blindness √ √ 30. Medullary Cystic Disease √ √
7. Brain Surgery √ √ 31. Motor Neuron Disease √ √
8. Cancer √ √ 32. Multiple Sclerosis √ √
9. Cardiomyopathy √ √ 33. Muscular Dystrophy √ √
10. Chronic Aplastic Anemia √ √ 34. Occupationally Acquired Human
11. Chronic Relapsing Pancreatitis √ √ NA NA
Immunodeficiency Virus (HIV) Infection
12. Coma √ √ 35. Paralysis of Limbs √ √
13 Coronary Artery By-Pass Surgery √ NA 36. Parkinson's Disease √ √
14 Creutzfeldt-Jakob disease (CJD) (Mad Cow Disease) √ √ 37. Poliomyelitis √ √
15. Deafness √ √
38. Primary Pulmonary Arterial Hypertension √ √
16. Elephantiasis √ √
39. Progressive scleroderma NA √
17. Encephalitis √ √
40. Serious Coronary Artery Disease √ √
18. Full-Blown AIDS √ NA
19. Fulminant Viral Hepatitis √ √ 41. Stroke √ √
20. Heart Attack √ √ 42. Surgery to Aorta √ NA
21. Heart Valve Surgery √ √ 43. Systemic Lupus Erythematosus with Severe Kidney
√ √
22. HIV Infection Due to Blood Transfusion NA √ Complications
23. Kidney Failure √ √ 44. Terminal Illness NA NA
24. End-Stage Liver Failure √ √ 45. Third Degree Burns √ √
Note: This is for illustration purpose only. Please

refer to the certificate for more details. T&C apply.
EXAMPLE SCENARIO 1
Johan
Male, 30 ANB, Non-Smoker
BSC: RM 300,000
LCI: RM 300,000
During the 10TH Certificate year, he was
During the 30TH Certificate year, his
diagnosed with pre-Stroke conditions and
conditioned worsened and was
have to undergo Angioplasty surgery
diagnosed for Stroke
……………………………………….………….............................
AGE: 30 LCI & BSC reduce to RM275K 80
Contribution payment LCI Rider Terminated,

Basic still inforce as
Start Paying Johan also attached
Receive: Receive
Monthly Contribution with i-Great Evo: 10% of LCI = RM 30K or RM 25K, LCI RM 275K Medical Rider
RM 350.25 @ 30 ANB whichever is lower
This is
EXAMPLE SCENARIO 2
Aishah
Female, 30 ANB, Non-Smoker
BSC: RM 200,000
LCI & ELCI: RM 200,000
HB: RM 100 Daily Benefit
During the 10TH Certificate year,
Coverage Term: 50 years During 35TH Certificate year, she was
she was diagnosed with early
stage of Lung Cancer (Severity diagnosed with Lung Cancer (Full Cancer)
25)
…….……………………………………………….
AGE: 30 ELCI, LCI & BSC 80

reduce to RM160K
Contribution payment
ELCI & LCI Rider Terminated,
Start Paying Basic still inforce as Medical
Receive Rider is attached
Monthly Contribution with i-Great Evo: Receive:
RM 246.50 @ 30 ANB LCI = RM 160K
20% of ELCI = RM 40K

This is
EXAMPLE SCENARIO 3
Amir
Male, 6 ANB, Non-Smoker
BSC: RM 200,000
LCI & ELCI: RM 200,000 (50% for Child Person Covered)
Medi Rider Plan 150
HB RM 100 Daily Benefit
During the 5TH Certificate year, at During the 11TH Certificate year, During the 45TH Certificate
11 ANB, he was diagnosed with at 17 ANB, he was diagnosed year, at 51 ANB, he was
Chronic Aplastic Anemia (Severity with Leukaemia (Cancer) diagnosed with Heart Attack
25)
…….…………………………… …….…………………….
AGE: 6 ELCI, LCI, Basic ELCI, LCI, Basic 80

reduce to RM180K reduce to RM100K
Contribution payment (Child Person Covered 80K) (ELCI, LCI Only for Adult) ELCI & LCI
Rider
Start Paying Terminated,
Receive: Receive: Receive:
Basic still
Monthly Contribution with i-Great Evo: 10% of ELCI (Child Person Covered) LCI (Child Person Covered) LCI: RM 100K inforce as
RM 330 @ 6 ANB = 10% of RM 200K = 40% of RM 200K Medical
= RM 20K = RM 80K Rider is
Terms and Conditions apply. attached
PAGE 27|GREAT EASTERN TAKAFUL BERHAD | CONFIDENTIAL & FOR INTERNAL USE ONLY |OCT 2020 is for illustration purpose only.
This
Hospital Benefit RM
Financial Impact of hospitalisation of family member
Transportation:
- Travelling cost from home to the hospital
- Parking
- Other costs (air fare, bus fares, tolls, taxis)
Accommodation:
- Inpatient companion bed
- Hotel (for other family members)
Meals:
- For companion
- For other family members
Childcare for other children:

- Additional expenses for childcare arrangements
Wages:
- Loss wages for hospitalized family member
- Loss wages for companion
Inpatient R&B upgrade (which may not be covered under the medical card) :
- Sharing room to single room
RM Hospital Benefit
i-Hospitalisation Benefits Term Rider (HB) (J96)
Admission in normal ward: Daily cash benefit is payable for each day
Benefits Admission in Intensive Care Unit (ICU): 2x daily cash benefit is payable for each day
subject to a maximum of 150 days in a certificate year and an overall lifetime limit of 500 days
Age Next Birthday Percentage (%) of Daily Cash Benefit
(upon claim event) Normal Ward Intensive Care Unit
1 50% 100%
2 75% 150%
3 - onwards 100% 200%
Eligibility Min Max

Coverage Term Until age 25, or 80 years (consistent with coverage term under the basic plan, with Auto Extension option)
RM 50 Daily Cash Benefit RM 500 Daily Cash Benefit
Hospital Benefit Limit
The Hospital Benefit Limit can be increased or decreased in multiple of RM50
Accidental Coverage
Deaths in Malaysia Accidents in Malaysia
Six principal causes of death in Malaysia (2018)
18,267
Public Safety (2018) Accidental Death due to
15,782 Alcohol consumption
9,154
Pneumonia 7,857
Ischemic 6,284
& Chronic Cerebrovas 2,917
heart cular Road
2,187
Respiratory
disease
Disease diseases Cancer Accident Diabetes Hypertension Road Accidents
Accidental Deaths in Asean Nations (2016) 548,598
The estimated road accidental death per 100,000 population
Malaysia is the 3rd highest in accidental death rate
36.2
32.7 2013 2016 Death 6,284
26.4
24.5 24.023.6
20.319.9
17.417.8 16.6
15.3 14.3
12.2 12.3
10.5
8.0
Injuries 8,341
3.6 2.8
-
Source: 1) https://www.dosm.gov.my/v1/index.php?r=column/pdfPrev&id=eVZ5NnJPMm5PTEFxbVdWcERzdGNrZz09, 2) https://www.thestar.com.my/lifestyle/health/2019/05/14/we-have-the-third-highest-

death-rate-from-road-accidents/, 3) http://www.iku.gov.my/images/IKU/Document/REPORT/NHMS2019/Infographic_Booklet_NHMS_2019-English.pdf
Accidental Coverage
i-Comprehensive Accident Benefits Xtra Term Rider (i-CABX) (J97)
Accidental
1 x RSC Eligibility Min Max
5% of RSC annually, Death Entry Age 17 years ANB 60 years ANB
up to 50% Accidental 2 x RSC
Increase in Death on
Sum Covered Public Coverage Until age 70 years ANB or expiry of
Conveyance Term Basic Plan
1 x RSC
Compassionate Rider Sum RM 10,000 Lower of RM 1mil
Accidental
Allowance Covered or 5 x Basic Sum
TPD
5% of RSC, (RSC) Covered
up to RM 5,000 i-CABX Notes: Subject to underwriting. RM1million per person covered, cut
Confined in
across all PA plans.
Malaysian Accidental
Government Injury % of RSC
Weekly Hospital
Indemnity
RM 7.50 per RM Reimbursement Temporary
1,000 RSC of Medical Total Weekly Indemnity
Expenses RM 7.50 per RM
Temporary Disability
1,000 RSC
RM 25 per Partial
Weekly Indemnity
RM 1,000 RSC, max RM Disability
RM 1.75 per RM
3,000 per Accident 1,000 RSC
Accidental
Injury
Covered Event Amount Payable Covered Event Amount Payable

Total loss of sight of both eyes 100% Total loss of the lens of one eye 50%
Total loss of sight of one eye 100% Loss of or total loss of use of four fingers and thumb 70%
Loss of or total loss of use of two limbs 100% Loss of or total loss of use of four fingers 40%
Loss of or total loss of use of one limb Loss of or total loss of use of one thumb
100% Both phalanges 30%
One phalanx 15%
Total loss of speech and hearing Loss of or total loss of use of fingers
Three phalanges 10%
100%
Two phalanges 7.5%
One phalanx 5%
Total paralysis Loss of or total loss of use of toes
All – one foot 15%
100% Great toe – two phalanges 5%
Great toe – one phalanx 3%
Any other toe, each 2%
Total loss of hearing Fractured leg or patella with established non-union after 26 weeks 10%
Both ears 75% from the date of accident
One year 25%
Total loss of speech 50% Shortening of leg by at least 5 cm 7.5%
Waiver of
Contribution
Financial Impact of Critical Illness / TPD of a Person Covered or family member
Wages:
- Loss wages for hospitalized / bedridden family member
- Loss of Income / employment
Living Expenses:
- Cut-down immediately and extensively to only bare necessity
- Takaful Contribution becomes a luxury item and not a necessity
Takaful Certificate:
- Upon Non payment of Contribution; Certificate may laps and coverage will be
terminated
- When coverage is terminated, there will be no more important crucial cover like the
medical cover
With Waiver of Contribution Riders, the continuity of Takaful coverage will give
you the peace of mind.
Waiver of Contribution Terms and Conditions apply.
i-Provider Plus Term Rider (iPP) (J99) i-Contributor Benefit Plus Term Rider (iCBP) (J89)
• Provides coverage on the life of the Person Covered • Provides coverage on the life of the Participant
• Cover Event: • Cover Event:
• Upon diagnosis of any one of the 44 CI1, or • Upon diagnosis of any one of the 44 CI1, or
• Upon TPD2 • Upon TPD2, or
• This Rider will pay future Contributions3 (Contributions • Upon Death
of Basic and applicable attachable Riders) which will be • This Rider will pay the future Contributions3
payable from the Tabarru’ Fund. (Contributions of Basic and applicable attachable Riders)
which will be payable from the Tabarru’ Fund.
1 44 Critical Illnesses (Angioplasty and Other Invasive Treatments for Coronary Artery Disease is excluded).
2 before age 70 years next birthday
3 beginning from the next Contribution due date immediately following the occurrence of such event up to and including the contribution due date
immediately preceding the expiry date of this rider, depend on basic plan the rider attached to.
Eligibility Min Max

Coverage Term 5 years Until age 25, or 80 years (consistent with
Contribution payment term of the basic plan)
Rider Sum Covered The total Annual Contribution to be waived (Basic Contribution + Riders’ Contribution)
For Loved Ones
Household Expenses
That the participant

Rent / Mortgage Car / Transportation Groceries
Children Education Utility Bills Savings & Investments
BREADWINNER
WHAT IF HE/SHE
IS NO LONGER AROUND?
Every soul will taste death...
Al-Quran 3:185, 29:57
Protection (Sum Covered) needs
According to Rule of Thumb
Parent (Each)
10 x Annual Income
- Debt settlement
- Hibah to spouse – for continuation of living lifestyle for
remaining family members.
Single Individual
5 x Annual Income
- Debt settlement
- Hibah for Charity / Parents
Sandwich Generation
Generation Needs
• To retire comfortably
Parents • To not worry too much about possible medical expenses
• To have enough to spend
• Facing the pressure of supporting their children financially

as well as their aging parents
Self • To achieve desired living standard
(Sandwich) • To balance between life enjoyment and life commitments
• To aim to be the last sandwich generation – to plan for own
retirement and elder care (medical care)
• Growing up in an environment where there should be no

Children worry about having food on the table
• To realise their fullest potential
Cover Amount
Participant
Individual
Balance of PIA Account (PIA)
Sum Covered Tabarru’ Fund
Cover Starts Cover Ends

PAYMENT TERM: Regular Pay
COVERAGE TERM: Up to Age 25, 80 or 100 (Auto-Extension)
ENTRY AGE
Min Max Expiry

Child Person
Covered
14 days old 15 ANB Age 25
Age 80
Adult Person
Covered
16 ANB 70 ANB Age 80
Participant 19 ANB 70 ANB

SUM OCCUPATI SMOKING Modal Min
CONTRIBUTION ENTRY AGE GENDER TERM
ON RM 50
COVERED STATUS
 
OTHER TERMS & Increase in Sum Covered at Decrease in Sum Covered at
CONDITIONS anytime subject to max amount anytime subject to min amount
 Free Look within 15 days

delivery of Certificate  From date of lapsing
Reinstatement within 3 years
 
Replacement of Certificate Assignment & Nomination
subject to ROC guidelines
 3rd Party Certificate

Participant must be 19 ANB  Subject to terms and conditions
Partial Withdrawal (PIA)
 
Backdating
Surrender Value (CV)
Up to 6 months
X Contribution Top Up
Upfront Charge will be deducted from PIA. It consists of:
Upfront
 distribution costs including agent’s commission, and
Charge
 management expenses including Stamp Duty of RM10.
 Tabarru’ will be dripped on monthly basis from PIA into the

Tabarru’ Tabarru’ Fund.
 Will increase according to attained age.
Monthly Quarterly Half Yearly Yearly
DDA DDA DDA DDA
Giro & Credit Card Giro & Credit Card Giro & Credit Card Giro & Credit Card
CIMB Clicks CIMB Clicks CIMB Clicks CIMB Clicks
Maybank2u Maybank2u Maybank2u Maybank2u
Biro Angkasa
(BPA)
Payable Upon Termination Payable Upon Claim
Participant
Contribution
PIA 50%
Participant’s Individual
Upfront Charge Account Investment Profit
50% or
above Tabarru’ X% or
Wakalah bi al-Ujrah above Mudharabah
Management Expenses Iltizam bi at-Tabarru'
Up to Y%
Takaful Operator’s Fund Up to 50% Tabarru’ Fund 1
50% Qard After Reserve &

Contingency
Mudharabah Investment Profit UW Surplus Ju’alah
Contribution Shariah Contract Loan Participant

Surplus & Funds
Tabarru’ &
Charges Funds / Accounts Investment Profit Claims Payable
UPFRONT CHARGES
Upfront Charge %
Contribution
According to Contribution Payment Term
Year
10 11 12 13 14 15 16 17 18 19 20
1 51.00% 54.00% 56.00% 59.00% 60.00% 60.00% 61.00% 62.00% 63.00% 64.00% 65.00%
2 32.00% 34.00% 35.00% 37.00% 39.00% 41.00% 43.00% 45.00% 46.00% 48.00% 50.00%
3 23.00% 24.00% 25.00% 26.00% 28.00% 29.00% 30.00% 31.00% 32.00% 33.00% 34.00%
4 19.00% 20.00% 21.00% 22.00% 23.00% 24.00% 25.00% 26.00% 27.00% 28.00% 29.00%
5 13.00% 14.00% 14.00% 15.00% 15.00% 16.00% 16.00% 17.00% 17.00% 18.00% 19.00%
6 13.00% 14.00% 14.00% 15.00% 15.00% 16.00% 16.00% 17.00% 17.00% 18.00% 19.00%
7 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00%
8 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00%
9 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00%
10 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00%
11 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00%
12 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00%
13 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00%
14 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00%
15 5.00% 5.00% 5.00% 5.00% 5.00% 5.00%
16 5.00% 5.00% 5.00% 5.00% 5.00%
17 5.00% 5.00% 5.00% 5.00%
18 5.00% 5.00% 5.00%
19 5.00% 5.00%
20 onwards PAGE 49|GREAT EASTERN TAKAFUL BERHAD | CONFIDENTIAL & FOR INTERNAL USE ONLY |OCT 2020
0.00%
BASIC COMMISSION
1. Basic Commission (% of Contribution) Non - BSC
Certificate Contribution Year
Term Total
1 2 3 4 5 6 ≥7
5 6.9750% 9.9750% 6.7500% 1.5000% 1.5000% 0.0000% 0.0000% 26.7000%
6 8.7750% 10.4250% 7.1250% 1.5000% 1.5000% 1.5000% 0.0000% 30.8250%
7 9.1500% 10.8750% 7.5000% 3.7500% 1.8750% 1.8750% 0.0000% 35.0250%
8 10.5750% 11.6250% 8.6250% 4.5000% 1.8750% 1.8750% 0.0000% 39.0750%
9 11.7000% 12.0000% 8.6250% 5.2500% 3.7500% 1.8750% 0.0000% 43.2000%
10 12.3750% 13.1250% 8.6250% 5.6250% 3.7500% 3.7500% 0.0000% 47.2500%
11 13.6500% 14.1000% 9.1500% 6.1500% 4.1250% 4.1250% 0.0000% 51.3000%
12 14.8500% 15.0000% 9.7500% 6.7500% 4.5000% 4.5000% 0.0000% 55.3500%
13 16.1250% 15.9750% 10.2750% 7.2750% 4.8750% 4.8750% 0.0000% 59.4000%
14 17.3250% 16.8750% 10.8750% 7.8750% 5.2500% 5.2500% 0.0000% 63.4500%
15 18.6000% 17.8500% 11.4000% 8.4000% 5.6250% 5.6250% 0.0000% 67.5000%
16 19.8000% 18.7500% 12.0000% 9.0000% 6.0000% 6.0000% 0.0000% 71.5500%
17 21.0750% 19.7250% 12.5250% 9.5250% 6.3750% 6.3750% 0.0000% 75.6000%
18 22.2750% 20.6250% 13.1250% 10.1250% 6.7500% 6.7500% 0.0000% 79.6500%
19 23.5500% 21.6000% 13.6500% 10.6500% 7.1250% 7.1250% 0.0000% 83.7000%
>=20 24.7500% 22.5000% 14.2500% 11.2500% 7.5000% 7.5000% 0.0000% 87.7500%
Note:
 * Not Inclusive of Production bonus
 The BSC Commission shown in the table above is PAGE
calculated based
50|GREAT on normal
EASTERN performance
TAKAFUL level. For agents
BERHAD | CONFIDENTIAL & FORwho are exempted
INTERNAL USE ONLYfrom
|OCTBSC,
2020the BSC commission will be treated as non-BSC commission.
BASIC COMMISSION
1. Basic Commission (% of Contribution) BSC
Term Total
1 2 3 4 5 6 ≥7
5 2.3250% 3.3250% 2.2500% 0.5000% 0.5000% 0.0000% 0.0000% 8.9000%
6 2.9250% 3.4750% 2.3750% 0.5000% 0.5000% 0.5000% 0.0000% 10.2750%
7 3.0500% 3.6250% 2.5000% 1.2500% 0.6250% 0.6250% 0.0000% 11.6750%
8 3.5250% 3.8750% 2.8750% 1.5000% 0.6250% 0.6250% 0.0000% 13.0250%
9 3.9000% 4.0000% 2.8750% 1.7500% 1.2500% 0.6250% 0.0000% 14.4000%
10 4.1250% 4.3750% 2.8750% 1.8750% 1.2500% 1.2500% 0.0000% 15.7500%
11 4.5500% 4.7000% 3.0500% 2.0500% 1.3750% 1.3750% 0.0000% 17.1000%
12 4.9500% 5.0000% 3.2500% 2.2500% 1.5000% 1.5000% 0.0000% 18.4500%
13 5.3750% 5.3250% 3.4250% 2.4250% 1.6250% 1.6250% 0.0000% 19.8000%
14 5.7750% 5.6250% 3.6250% 2.6250% 1.7500% 1.7500% 0.0000% 21.1500%
15 6.2000% 5.9500% 3.8000% 2.8000% 1.8750% 1.8750% 0.0000% 22.5000%
16 6.6000% 6.2500% 4.0000% 3.0000% 2.0000% 2.0000% 0.0000% 23.8500%
17 7.0250% 6.5750% 4.1750% 3.1750% 2.1250% 2.1250% 0.0000% 25.2000%
18 7.4250% 6.8750% 4.3750% 3.3750% 2.2500% 2.2500% 0.0000% 26.5500%
19 7.8500% 7.2000% 4.5500% 3.5500% 2.3750% 2.3750% 0.0000% 27.9000%
>=20 8.2500% 7.5000% 4.7500% 3.7500% 2.5000% 2.5000% 0.0000% 29.2500%
Note:
calculated based
51|GREAT on normal
EASTERN performance
|OCTBSC,
BASIC COMMISSION
2. Overriding Commission (% of Contribution) Non - BSC
Term Total
1 2 3 4 5 6 ≥7
5 2.1750% 1.8000% 1.5000% 1.1250% 0.0000% 0.0000% 0.0000% 6.6000%
6 2.7000% 2.2500% 1.5000% 1.1250% 0.0000% 0.0000% 0.0000% 7.5750%
7 2.9250% 2.6250% 1.8750% 1.5000% 0.0000% 0.0000% 0.0000% 8.9250%
8 3.6000% 3.0000% 1.8750% 1.5000% 0.0000% 0.0000% 0.0000% 9.9750%
9 4.0500% 3.3750% 2.1000% 1.7250% 0.0000% 0.0000% 0.0000% 11.2500%
10 4.5000% 3.7500% 2.2500% 1.8750% 0.0000% 0.0000% 0.0000% 12.3750%
11 4.9500% 4.1250% 2.4750% 2.1000% 0.0000% 0.0000% 0.0000% 13.6500%
12 5.4000% 4.5000% 2.7000% 2.2500% 0.0000% 0.0000% 0.0000% 14.8500%
13 5.8500% 4.8750% 2.9250% 2.4750% 0.0000% 0.0000% 0.0000% 16.1250%
14 6.3000% 5.2500% 3.1500% 2.6250% 0.0000% 0.0000% 0.0000% 17.3250%
15 6.7500% 5.6250% 3.3750% 2.8500% 0.0000% 0.0000% 0.0000% 18.6000%
16 7.2000% 6.0000% 3.6000% 3.0000% 0.0000% 0.0000% 0.0000% 19.8000%
17 7.6500% 6.3750% 3.8250% 3.2250% 0.0000% 0.0000% 0.0000% 21.0750%
18 8.1000% 6.7500% 4.0500% 3.3750% 0.0000% 0.0000% 0.0000% 22.2750%
19 8.5500% 7.1250% 4.2750% 3.6000% 0.0000% 0.0000% 0.0000% 23.5500%
>=20 9.0000% 7.5000% 4.5000% 3.7500% 0.0000% 0.0000% 0.0000% 24.7500%
Note:
calculated based
52|GREAT on normal
EASTERN performance
|OCTBSC,
BASIC COMMISSION
2. Overriding Commission (% of Contribution) BSC
Term Total
1 2 3 4 5 6 ≥7
5 0.7250% 0.6000% 0.5000% 0.3750% 0.0000% 0.0000% 0.0000% 2.2000%
6 0.9000% 0.7500% 0.5000% 0.3750% 0.0000% 0.0000% 0.0000% 2.5250%
7 0.9750% 0.8750% 0.6250% 0.5000% 0.0000% 0.0000% 0.0000% 2.9750%
8 1.2000% 1.0000% 0.6250% 0.5000% 0.0000% 0.0000% 0.0000% 3.3250%
9 1.3500% 1.1250% 0.7000% 0.5750% 0.0000% 0.0000% 0.0000% 3.7500%
10 1.5000% 1.2500% 0.7500% 0.6250% 0.0000% 0.0000% 0.0000% 4.1250%
11 1.6500% 1.3750% 0.8250% 0.7000% 0.0000% 0.0000% 0.0000% 4.5500%
12 1.8000% 1.5000% 0.9000% 0.7500% 0.0000% 0.0000% 0.0000% 4.9500%
13 1.9500% 1.6250% 0.9750% 0.8250% 0.0000% 0.0000% 0.0000% 5.3750%
14 2.1000% 1.7500% 1.0500% 0.8750% 0.0000% 0.0000% 0.0000% 5.7750%
15 2.2500% 1.8750% 1.1250% 0.9500% 0.0000% 0.0000% 0.0000% 6.2000%
16 2.4000% 2.0000% 1.2000% 1.0000% 0.0000% 0.0000% 0.0000% 6.6000%
17 2.5500% 2.1250% 1.2750% 1.0750% 0.0000% 0.0000% 0.0000% 7.0250%
18 2.7000% 2.2500% 1.3500% 1.1250% 0.0000% 0.0000% 0.0000% 7.4250%
19 2.8500% 2.3750% 1.4250% 1.2000% 0.0000% 0.0000% 0.0000% 7.8500%
>=20 3.0000% 2.5000% 1.5000% 1.2500% 0.0000% 0.0000% 0.0000% 8.2500%
Note:
calculated based
53|GREAT on normal
EASTERN performance
|OCTBSC,
PRODUCTION, AWARD, AND MAINTENANCE QUOTAS
Production Bonus Agent Leader

BSC 3.75% 3.75%
Non-BSC 1.25% 1.25%
Contribution Payment Term

Purpose
10-Pay and above
Maintenance 100%
Promotion 100%
Contest 100%
Commission (for certificate term ≥ 20 years)
Compensation Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 ≥Year 7 Total
Basic (including BSC)
i-Great Aman
Commission 25% 25% 18.5% 18.5% 15% 15% - 117%

Production Bonus 5% - - - - - - 5%
Overriding (including BSC)
Commission 10% 15% 6.5% 6.5% - - - 38%
TOTAL 45% 40% 25% 25% 15% 15% - 160%
Compensation Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 ≥Year 7 Total
Basic (including BSC)
Commission 33% 30% 19% 15% 10% 10% - 117%
i-Great Evo
Overriding (including BSC)
Commission 12% 10% 6% 5% - - - 33%
TOTAL 55% 40% 25% 20% 10% 10% - 160%
1-5 6-10 11-15 16-20 21 - 25 26 - 30 31 - 35 36 - 40 40 - 45 46 - 50 51-55
Child / Education Young Adult Married with Children Pre-Retiree
1. Basic Protection – Debt: study 1. Debt settlement for Mortgage

1. Minimal Protection for Child 1. Retirement
financing and other debts and other debts
2. Medical Card 2. Top up Critical &
2. Accidental Cover 2. Income Protection
3. Waiver for Parent (Contributor) Medical Cover
3. Medical Card 3. Medical Card
At Age 25 At Age 80
For illustration only

Male
Evo Starter Female
Entry Age 1 6 11 16 21 26 31 36 40 46 51
Customer Child / Education Young Adult Married with Children Pre-Retiree
Basic 15,000
Basic 15,000 Basic 15,000 Basic 15,000
HB 50
HB 50 HB 50 HB 50
Medi Plan 150
Evo Package LCI 10,000
Medi Plan 150 Medi Plan 150 Medi Plan 150
LCI 10,000 LCI 10,000 LCI 10,000
iPP Y
iPP Y iPP Y iPP Y
iCBP (31 MNS) Y
Expiry At Age 25 At Age 80 At Age 80 At Age 80
Monthly
Contribution
269.75 149.00 140.70 146.75 155.15 175.70 202.75 240.20 292.15 369.10 484.85
Maturity
66,752.75 20,899.83 12,651.50 33,287.51 13,305.78 11,443.99 12,355.32 15,412.10 19,894.04 31,152.85 48,157.96
Value
Monthly
Contribution
265.00 139.20 131.30 135.70 148.90 171.20 198.65 239.10 297.05 384.60 476.30
Maturity
66,185.02 19,584.28 11,846.61 21,895.41 13,447.86 15,053.03 16,510.64 23,057.46 34,803.72 54,679.57 60,306.32
Value
Male
Evo Booster Female
Entry Age 1 6 11 16 21 26 31 36 40 46 51
Basic 50,000 Basic 50,000
HB 100 HB 100
HB 100 HB 100
Medi Plan 150 Medi Plan 150
Evo Package LCI 50,000 LCI 50,000
LCI 50,000 LCI 50,000
ELCI 50,000 ELCI 50,000
ELCI 50,000 ELCI 50,000
iPP Y CABX 20,000
iPP Y iPP Y
iCBP (31 MNS) Y iPP Y
Monthly
Contribution
316.45 191.35 177.10 193.70 218.30 246.25 269.80 318.00 385.70 487.40 637.90
Maturity
79,781.51 29,097.10 17,187.06 62,030.06 45,790.88 37,736.27 25,082.17 24,615.29 27,804.39 40,752.29 60,434.21
Value
Monthly
Contribution
309.35 181.00 165.15 177.30 206.60 235.55 257.70 307.10 379.55 498.70 622.20
Maturity
78,482.76 27,736.95 16,034.00 52,191.33 49,573.86 45,643.07 32,762.23 36,256.92 48,719.57 78,169.65 86,631.79
Value
Male
Evo Pro For illustration only

Female
Entry Age 1 6 11 16 21 26 31 36 40 46 51
HB 100 HB 100
HB 100 HB 100
Medi Ex+ Y Medi Ex+ Y
Evo Package LCI 50,000 LCI 50,000
Medi Ex+ Y Medi Ex+ Y
LCI 50,000 LCI 50,000
ELCI 50,000 ELCI 50,000
ELCI 50,000 ELCI 50,000
iPP Y CABX 20,000
iPP Y iPP Y
iCBP (31 MNS) Y iPP Y
Monthly
Contribution
365.65 218.75 203.80 232.45 263.65 299.65 334.80 397.25 485.30 616.75 810.65
Maturity
91,119.90 32,244.19 19,064.46 64,911.97 51,243.30 45,108.74 35,771.37 37,268.59 43,322.42 60,738.16 85,935.81
Value
Monthly
Contribution
355.50 206.25 188.60 212.95 247.70 283.45 315.95 379.50 470.35 617.80 773.20
Maturity
89,256.50 30,780.28 17,702.92 57,428.84 55,421.66 52,629.19 42,764.52 49,745.44 65,647.52 101,122.84 111,744.94
Value PAGE 61|GREAT EASTERN TAKAFUL BERHAD | CONFIDENTIAL & FOR INTERNAL USE ONLY |OCT 2020
RM 214.15 RM 351.60 RM 260.45 RM 531.40 RM 260.45 RM 290.70 RM 301.10
i-GREAT EVO
1. COMPREHENSIVE 3. WITH LOVE 5. COVERAGE
Various Optional Riders to choose from: Compassionate With Sum Covered
+
Medical: Medi / Medi Ex / HB Benefit of RM2,000 starting from RM 15,000
payable upon And NML up to RM
Critical Illness: LCI / ELCI
submission of proof 1Mill.
Accidental Coverage: CABX of death of the
w Waiver: PP / CBP Person Covered
2. KEY PROTECTION 4. FOR ALL 6. OPTIONS

Suitable for all stages of life; Maturity • Waqaf
Provides protection upon
at age • Badal Hajj
death / TPD of the Person
• 25 years ANB, • Debt Settlement
Covered. Entry Age from • Hibah for Family
14 days to 70 years old • 80 years ANB, or
• 100 years ANB (Auto-Extension) • Hibah for Charity
ANB.


Evo Product

Uploaded by

Document Information

Copyright

Available Formats

Share this document

Share or Embed Document

Sharing Options

Did you find this document useful?

Is this content inappropriate?

Copyright:

Available Formats

Evo Product

Uploaded by

Copyright:

Available Formats

COPYRIGHT GREAT EASTERN TAKAFUL BERHAD (916257-H) ALL RIGHTS RESERVED

2011 2013 2019 11% Borrow

Primary Medical Cover: i-Medi Rider (J94-J95) NEW + NEW

Eligibility Min Max

ITEM COVERED BENEFITS LIMITS (RM)

SECONDARY MEDICAL COVER T MX (J108)

Example on i-Medi Rider: R&B 150

i-Medi ExPlus Rider

 Converts the plan to NO DEDUCTIBLE

If Khadijah were to attache i-Medi

If Johan were to attach i-Medi 80

1 in 2 Adults are Overweight or Obese

1 in 4 adults are NOT Active

2011 2015 2019

Most people aged 40-59 years

1 in 4 A year after diagnosis Died

Eligibility Min Max

11 Child Specific CI (1 year old – 18 years old)

Note: This is for illustration purpose only. Please

AGE: 30 LCI & BSC reduce to RM275K 80

Contribution payment LCI Rider Terminated,

AGE: 30 ELCI, LCI & BSC 80

Terms and Conditions apply.

AGE: 6 ELCI, LCI, Basic ELCI, LCI, Basic 80

Childcare for other children:

i-Hospitalisation Benefits Term Rider (HB) (J96)

Eligibility Min Max

Source: 1) https://www.dosm.gov.my/v1/index.php?r=column/pdfPrev&id=eVZ5NnJPMm5PTEFxbVdWcERzdGNrZz09, 2) https://www.thestar.com.my/lifestyle/health/2019/05/14/we-have-the-third-highest-

i-Comprehensive Accident Benefits Xtra Term Rider (i-CABX) (J97)

Covered Event Amount Payable Covered Event Amount Payable

Eligibility Min Max

That the participant

Children Education Utility Bills Savings & Investments

• Facing the pressure of supporting their children financially

• Growing up in an environment where there should be no

Sum Covered Tabarru’ Fund

Cover Starts Cover Ends

Min Max Expiry

Participant 19 ANB 70 ANB

 Free Look within 15 days

 3rd Party Certificate

 Tabarru’ will be dripped on monthly basis from PIA into the

DDA DDA DDA DDA

CIMB Clicks CIMB Clicks CIMB Clicks CIMB Clicks

Maybank2u Maybank2u Maybank2u Maybank2u

50% Qard After Reserve &

Mudharabah Investment Profit UW Surplus Ju’alah

Contribution Shariah Contract Loan Participant

Production Bonus Agent Leader

Contribution Payment Term

Commission 25% 25% 18.5% 18.5% 15% 15% - 117%

1. Basic Protection – Debt: study 1. Debt settlement for Mortgage

For illustration only

Evo Starter Female

Evo Booster Female

Evo Pro For illustration only

2. KEY PROTECTION 4. FOR ALL 6. OPTIONS

Terms and Conditions apply.

You might also like