IKHLASlink Comprehensive Critical Illness Benefit Secure Takaful Rider

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1 IKHLASlink Comprehensive Critical Illness Benefit Secure Takaful Rider

2 1. IKHLASlink Comprehensive Critical Illness Benefit Secure Takaful Rider Securing life uncertainties. With IKHLASlink Comprehensive Critical Illness Benefit Secure Takaful Rider (CCIB), you are comprehensively covered through the most difficult stages of your life. The plan helps to ease your financial burden specifically covering the medical cost for life-threatening critical illnesses. IKHLASlink Comprehensive Critical Illness Benefit (CCIB) Secure Takaful Rider is a unit deducting rider which is attachable to the regular Takaful Contribution investment-linked Takaful plans. 2. What are the covers / benefits provided? Benefits CCIB Secure Takaful CCIB Diabetes Recovery Benefit CCIB Cancer Recovery Benefit i) CCIB Diabetes Recovery Benefit and CCIB Cancer Recovery Benefit are payable in addition to CCIB Secure Takaful amount. These benefits are not payable once 100% of CCIB Secure Takaful amount is paid for other covered critical illness. ii) Coverage for Critical Illness under Advanced Stage expires when Person Covered reaches the age of 100 at his/her next birthday. Whereas coverage for Critical Illness under Early and Intermediate Stages and Diabetic Related Disease expire when Person Covered reaches the age of 85 at his/her next birthday. a) Comprehensive Critical Illnesses Benefit (CCIB) If the Person Covered is diagnosed of any one (1) of the CCIB listed in the table below, before the Maturity or Expiry date of the Supplementary Takaful Certificate, a percentage (%) of the CCIB Secure Takaful amount based on the Critical Illness stages, shall be payable. The Supplementary Certificate shall terminate once 100% of the CCIB Secure Takaful amount has been exhausted.

3 Critical Illness Stages No. Category Early Stage (50% of CCIB Secure Takaful Amount) Intermediate Stage (100% of CCIB Secure Takaful Amount) Advanced Stage (100% of CCIB Secure Takaful Amount) 1 Neurosurgeries such as - Brain Aneurysm Surgery Carotid Artery Surgery Stroke Brain Aneurysm Surgery, - Cerebral Shunt Insertion Cerebral Shunt Insertion and Carotid Artery Surgery, including Stroke Cardiac arrhythmia and Cardiac Pacemaker Insertion Cardiac Defibrillator Insertion Heart Attack Heart Attack Kidney Disease Surgical Removal of One Chronic Kidney Disease End Stage Kidney Failure kidney Cancer - Carcinoma in situ Carcinoma in situ and other Cancer - Early Prostate Cancer Early Cancers of Specified - Early Thyroid Cancer Organs Treated with Radical - Early Bladder Cancer Surgery - Early Chronic Lymphocytic Leukaemia Coronary Artery By-Pass Pericardectomy Minimally Invasive Direct Coronary Artery By-Pass Surgery and Pericardial Coronary Artery Bypass Surgery disease requiring surgery Grafting (MIDCAB) Other Serious Coronary Early Coronary Artery Disease Other Coronary Artery Disease Other Serious Coronary Artery Disease Artery Disease Liver Disease Liver Surgery Liver Cirrhosis End Stage Liver Failure Disease of the Biliary Tract Biliary Tract Reconstruction Chronic Primary Sclerosis Fulminant Viral Hepatitis and Fulminant Viral Hepatitis Surgery Cholangitis Coma Coma for 48 hours Coma for 72 hours Coma Brain Tumour Surgical Removal of Pituitary Benign Brain Tumour Tumour via Trans Sphenoidal - Hypophysectomy Loss of Hearing - Partial Loss of Hearing Cochlear Implant Surgery Deafness/Total Loss - Cavernous Sinus Thrombosis of Hearing Surgery Burns Mild Severe Burns Moderately Severe Burns Major Burns HIV, Hepatitis B or C due Occupationally Acquired HIV Due To Blood to Blood Transfusion Hepatitis B or C - Transfusion Occupationally Acquired Occupationally Acquired Human Immunodeficiency - - Human Immunodeficiency Virus (HIV) Infection Virus (HIV) Infection 15 Lung Disease Severe Asthma Surgical Removal of One Lung End Stage Lung Disease 16 Encephalitis Encephalitis with Full Recovery Mild Encephalitis Encephalitis 17 Major Organ/Bone Marrow - Small Bowel Transplant Major Organ/Bone Marrow Major Organ/Bone Marrow Transplant - Corneal Transplant Transplant (on the waiting list) Transplant 18 Loss of Speech Loss of Speech (other than Loss of Speech injury or illness to the vocal - cords) 19 Brain Surgery Surgery for Subdural - Brain Surgery Haematoma

4 Heart Valve Surgery Percutaneous Valvuloplasty Percutaneous Valve Heart Valve Surgery Replacement Bacterial Meningitis Bacterial Meningitis with Full Moderately Severe Bacterial Bacterial Meningitis Recovery Meningitis Head Trauma Mild Head Trauma - Major Head Trauma Aplastic Anaemia and Reversible Aplastic Anaemia Myelodysplastic Syndrome or Chronic Aplastic Anaemia Myelodysplastic Syndrome Myelofibrosis Motor Neurone Disease Early Motor Neurone Disease - Motor Neurone Disease Parkinson s Disease Early Parkinson s Disease Moderately Severe Parkinson s Parkinson s Disease Disease Alzheimer s Disease/ Early Alzheimer s Disease Moderately Severe Alzheimer s Alzheimer s Disease/ Irreversible Organic Disease Irreversible Organic Degenerative Brain Degenerative Brain Disorders Disorders Spinal Cord Disease and Spinal Cord Disease or Injury Muscular Dystrophy Muscular Dystrophy resulting in Bowel and Bladder - Dysfunction 28 Aorta Large Asymptomatic Aortic Minimally Invasive Surgery Surgery to Aorta Aneurysm to Aorta 29 Multiple Sclerosis Early Multiple Sclerosis - Multiple Sclerosis 30 Primary Pulmonary Arterial Early Primary Pulmonary - Primary Pulmonary Arterial Hypertension Arterial Hypertension Hypertension 31 Diseases of the kidney such Chronic Glomerulonephritis Medullary Cystic Disease as Chronic Glomerulonephritis - and Medullary Cystic Disease 32 Cardiomyopathy Pericarditis Hypertrophic Cardiomyopathy Constrictive Pericarditis with Severe Cardiomyopathy with Surgery Surgery 33 Systemic Lupus Less Severe Systemic Lupus Systemic Lupus Erythematosus with Lupus Erythematosus - Erythematosus with Lupus Nephritis Nephritis 34 Terminal Illness - - Terminal Illness 35 Paralysis/Paraplegia Loss of Use of One Limb - Paralysis / Paraplegia 36 Loss of Sight Loss of Sight in One Eye Retinitis Pigmentosa Blindness/Total loss of Sight 37 Loss of Independence Early Loss of Independent - Loss of Independent Existence Existence Existence

5 b) Angioplasty and Other Invasive Treatments for Major Coronary Artery Disease Amount under Angioplasty and Other Invasive Treatments for Major Coronary Artery Disease is equal to fifteen percent (15%) of CCIB Secure Takaful amount or RM30,000, whichever is lower. This benefit is payable once only. The CCIB Secure Takaful amount will be reduced by the claim amount paid under Angioplasty and Other Invasive Treatment for Coronary Artery Disease. c) CCIB Diabetes Recovery Benefit Category Disease Diabetic Related Diseases Surgery for Type 2 Diabetic Retinopathy Limb Amputation due to Type 2 Diabetic Complications Severe Diabetic Nephropathy resulting in Kidney Failure The CCIB Diabetes Recovery Benefit amount is equal to twenty percent (20%) of the CCIB Secure Takaful amount. Only one (1) claim is allowed under CCIB Diabetes Recovery Benefit and this Benefit is paid on top of the CCIB Secure Takaful amount. d) CCIB Cancer Recovery Benefit The CCIB Cancer Recovery Benefit amount is equal to thirty five (35%) of the CCIB Secure Takaful amount. The amount for Early Stage Critical Illness is thirty percent (30%) of the CCIB Cancer Recovery Benefit amount, and the amount for Intermediate/ Advanced Stage Critical Illness is one hundred percent (100%) of the CCIB Cancer Recovery Benefit amount. Only one (1) claim is allowed for Early Stage Cancer under this benefit. The subsequent claim made under Intermediate / Advanced Stage Cancer will be paid based on the remaining CCIB Cancer Recovery Benefit amount. This Benefit is paid on top of the CCIB Secure Takaful amount. For further details on the coverage provided, please refer to the Supplementary Takaful Certificate. 3. How much Takaful Contribution do I have to pay? No additional Takaful Contribution applicable to this Rider since the Tabarru charge will be deducted from Unit Fund of the Basic Takaful Certificate. However, the Tabarru charge is NOT GUARANTEED and may be varied from time to time by giving three (3) months notice to the Takaful Participant prior to Takaful Certificate anniversary. 4. What are the fees and charges that I have to pay? a) Wakalah Fees - not applicable. b) Tabarru charge is deducted from the Unit Fund of the Basic Takaful Certificate (through cancellation of units at unit price). Tabarru will increase as the Person Covered grow older. 5. Terms and Age Limit Issue Age: Takaful Participant : years old, age next birthday

6 Person Covered: 30 days 60 years old, age next birthday Note : Takaful Participant between age years old are subject to consent from parents/ guardian. Sum Covered Limits: Minimum : RM10,000 Maximum : RM200,000 Expiry Age: Coverage for Critical Illness under Advanced Stage expires when Person Covered reached the age of 100 years old, age next birthday. Coverage for Critical Illness covered under Early and Intermediate Stages and Diabetes Recovery Benefit will expire when Person Covered reached the age of 85 years old, age next birthday. 6. Additional terms and Conditions a) Waiting period for this plan is: i) Coverage for Critical Illness under Advanced Stage will only start sixty (60) days after the Issue Date or Reinstatement Date, whichever is later for Cancer (including Advanced Stage Critical Illness covered under Cancer Recovery Benefit), Heart Attack, Coronary Artery By-Pass Surgery, Other Serious Coronary Artery Disease, and Angioplasty and Other Invasive Treatments for Major Coronary Artery Disease and thirty (30) days for all other covered illnesses. ii) Coverage for Diabetic Related Diseases, Critical Illness under Early and Intermediate Stage (including Early and Intermediate Stage Critical Illness covered under Cancer Recovery Benefit) will only start sixty (60) days after the Issue Date or Reinstatement Date, whichever is later. d) Claims conditions: i) Any amount payable under CCIB Secure Takaful (any claim paid under Early Stage Critical Illness and Angioplasty or Other Invasive Treatments for Major Coronary Artery Disease) will reduce the CCIB Secure Takaful amount available for subsequent claims except if the claim is made under CCIB Diabetes Recovery Benefit and CCIB Cancer Recovery Benefit. ii) Once a claim has been paid for a Critical Illness from any stages, other Critical Illness within the same or earlier stages under that same category will no longer be covered. iii) A maximum of 2 Early Stage claims under different Critical Illness category according to the Critical Illness table can be made and the Supplementary Takaful Certificate will terminate thereafter. iv) CCIB Diabetes Recovery Benefit and CCIB Cancer Recovery Benefit will not be payable once 100% of the CCIB Secure Takaful amount has been paid. 7. What are the major exclusions under the Takaful Certificate? This Supplementary Takaful Certificate does not cover if: a) The Critical Illness is any illness or surgery other than diagnosis of or surgery for a Critical Illness as defined herein; b) The signs or symptoms of the Critical Illness defined under Advanced Stage that is manifested prior to or within the Waiting Period;

7 c) The Critical Illness was caused directly or indirectly by the existence of Acquired Immune Deficiency Syndrome (AIDS) or by the presence of any Human Immuno-deficiency Virus (HIV) infection. The Company reserves the right to require the Person Covered to undergo a blood test for HIV as a condition precedent to acceptance of any claim. This exclusion does not apply to HIV due to Blood Transfusion or Occupationally Acquired Human Immunodeficiency Virus (HIV) Infection. For the purpose of the Supplementary Takaful Certificate, i) The definition of AIDS shall be that used by the World Health Organization in 1987, or any subsequent revision by the World Health Organization of that definition. ii) Infection shall be deemed to have occurred where blood or other relevant test(s) indicate in the Company s opinion either the presence of any Human Immunodeficiency Virus or Antibodies to such a Virus. d) Any stage of Cancer caused directly or indirectly, wholly or partly, by any one (1) of the following occurrence: i) Any stage of Cancer or surgery other than diagnosis of or surgery for a stage of Cancer as defined herein; or ii) The signs or symptoms of Cancer that is manifested prior to or within sixty (60) days from the issue date or reinstatement date of this Supplementary Takaful Certificate, whichever is later; or iii) The Cancer arises directly or indirectly from a Pre-Existing Condition as defined in the Supplementary Takaful Certificate, which existed prior to the issue date or reinstatement date of this Supplementary Takaful Certificate, whichever is later; or e) Any Diabetic Related Disease caused directly or indirectly, wholly or partly, by any one (1) of the following occurrence: i) Any illness or surgery other than diagnosis of or surgery for Diabetic Related Disease as defined herein; or ii) The signs or symptoms of Diabetic Related Disease that is manifested prior to or within sixty (60) days from the issue date or reinstatement date of this Supplementary Takaful Certificate, whichever is later; or iii) The Diabetic Related Diseased arises directly or indirectly from a Pre-Existing Condition as defined, which existed prior to the issue date or reinstatement date of this Supplementary Takaful Certificate, whichever is later; or f) The Critical Illness is within the same or earlier stage of the previous Critical Illness claim category, save and except for Angioplasty and Other Invasive Treatments for Major Coronary Artery Disease; g) Any Critical Illness was diagnosed due, directly or indirectly, to a congenital defect or disease, which was manifested or was diagnosed before the Person Covered attains seventeen (17) years of age; h) Any of the Critical Illness is caused by a self-inflicted injury; i) Any Critical Illness resulting directly from alcohol or drug abuse; j) The Person Covered did not survive for at least seven (7) days after the diagnosis of an Early Stage Critical Illness; or k) The Person Covered did not survive for at least thirty (30) days after: i) The diagnosis of an Intermediate Stage Critical Illness; or ii) The diagnosis of an Advanced Stage Critical Illness; or

8 iii) The undergoing of Angioplasty and other Invasive Treatment for Coronary Artery; or iv) The diagnosis of a Diabetic Related Disease; or Note: This list is non-exhaustive. Please refer to the Takaful Certificate for full list of exclusions under this Takaful Certificate. 8. Can I cancel my Takaful Certificate? If you find that this rider is no longer appropriate, you may cancel it by giving us a written notice. 9. What do I need to do if there are changes to my contact details? It is important that you inform us of any change in your contact details (including that of the nominee) to ensure that all correspondences reach you and/or nominee in a timely manner. 10. Where can I get further information? Should you require additional information on Investment-Linked Takaful and/or Medical and Health Takaful, please refer to insurance info booklet on Investment-Linked Takaful and/or Medical and Health Takaful, available at all our branches or you can obtain a copy from our Takaful agent or visit If you have any enquiries, please contact us at : CRM Department Takaful Ikhlas Berhad IKHLAS Point, Tower 11A, Avenue 5 Bangsar South, No. 8, Jalan Kerinchi Kuala Lumpur Tel: Fax: Other types of similar Takaful cover available? Nil IMPORTANT NOTE: YOU SHOULD SATISFY YOURSELF THAT THIS TAKAFUL CERTIFICATE WILL BEST SERVE YOUR NEEDS. YOU SHOULD READ AND UNDERSTAND THE TAKAFUL CERTIFICATE AND DISCUSS WITH THE AGENT OR CONTACT THE TAKAFUL OPERATOR DIRECTLY FOR MORE INFORMATION. 04/2015

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