Giro Takaful Asas. The Takaful Coverage that GROWS with you BSNMalaysia
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1 Giro Takaful Asas The Takaful Coverage that GROWS with you BSNMalaysia
2 A Plan That GROWS With You As life progresses, your needs grow. The need to protect those you love and the need for your own well being are some of the most important necessities in life. What s more worrying is the escalating cost of living. While having a financial plan in place will help you address this, it is even better to have a plan that also grows to accommodate rising living costs.
3 With Giro Takaful Asas, rest assured Giro Takaful Asas prepares you for unexpected loss of life or disability. It provides financial continuance for you and your loved ones to carry on even if you are no longer with them or if your income earning ability has stopped. Through varying types of commitment, you can have a plan specific to your life and needs. This innovative coverage takes into consideration life s every possibility to provide a specific solution to keep you and your family going. Giro Takaful Asas. A plan designed with everyday life in mind. How Giro Takaful Asas helps you Financial protection your family Financial protection for you Financial protection against inflation Leave a legacy for those you love Secure your business continuity Minimal contribution for comprehensive benefit Provides your family with cash if you lose your life, so they can continue with thier lives without financial worries. Provides you with cash if you cannot continue to earn a living due to a total and permanent disability. With Giro Takaful Asas, your sum covered increases by 5% every 3 years throughout the duration of the certificate, thus protecting your coverage against inflation. Secure your loved ones against financial hardship in the event of your demise. Compensate your business partners for your loss. Ensures comprehensive financial protection with contribution from as low as RM a day!
4 Secure a home for your family Use the cash provided from this plan to pay off your mortgage, to secure a home for your family if the unexpected happens to you. Keep your loved ones secured from financial burdens Additional financial assistance Your family can use the takaful benefit to settle any outstanding debts. The amount you receive from this plan is additional and on top of the amount payable to you by your employer, if any. 1 Assumption based on age and plan. Increasing protection for you The following chart illustrates the increasing sum covered available with Giro Takaful Asas. By increasing the sum covered by 5% every 3 years throughout the term of the certificate, you are protected against inflation. Projection of Sum Covered Sum Covered Age
5 Easily choose the right Giro Takaful Asas package for you The following packages are available for your convenience. Our Personal Financial Executives can always help you decide which one will work best for you. CHOOSE A I am single. I just need a basic protection plan. B I am single and looking for a basic plan with high protection and continuous coverage. C I am married and looking for a basic plan for the benefit of my spouse. D I am married and looking for higher protection, continuous coverage and financial assistance for my spouse. E I am married with children. I am able to contribute for a higher plan for the benefit of my family. F I am married with children. I can afford a plan with higher protection. I want to provide continuous coverage and financial assistance for my whole family.
6 Giro Takaful Asas Plan Benefits: BASIC COVERAGE FAMILY INCOME BENEFIT SPOUSE CONTRIBUTOR CONTRIBUTOR A B C D E F RM100,000 No No No RM100,000 RM200 No RM120,000 No No No RM120,000 RM300 RM140,000 No No No RM140,000 RM400 How to further enhance your Giro Takaful Asas? You may enhance your Giro Takaful Asas coverage with the following additional optional benefits. To cover you against accidental mishaps Accidental Death and Disablement (ADD) Provides your family with cash if you lose your life and cash for you if you become disabled, due to accident. Accidental Medical Reimbursement (AMR) Weekly Indemnity (WI) Get cash reimbursement for your medical expenses if you require medical (AMR) treatment as a result of an accident. Get weekly income during your temporary disability as a result of an accident. Note: Please note that AMR and WI can only be attached together with ADD.
7 To cover you against loss of income Family Income Benefit Contributor Spouse Contributor Parent Contributor (only applicable if the covered person is below 19 years old at entry) Provides your loved ones with monthly income if you lose your life. Pays for your future contribution if you are totally and permanently disabled or diagnosed with a critical illness. Pays for your future regular contribution if your spouse: passes away, or is diagnosed with a critical illness, or becomes totally and permanently disabled. Pays for future regular contribution if the parent of the covered person: passes away, or get diagnosed with a critical illness, or becomes totally and permanently disabled. Who can take up Giro Takaful Asas? You can take up this plan from as early as 19 years old and as late as 65 years old. You can also start protecting your child from as young as 2 weeks old. You can choose the term of coverage subject to a minimum of 10 years and expiry age up to 80 years old.
8 What are the benefits below the age of 5? In the event of critical illness, disability or loss of life before the age of 5, a reduced basic sum covered payable will be payable as follows. This is called a juvenile lien. Age and above Percentage of Basic Sum Covered 20% 40% 60% 80% 100% How much is the contribution for Giro Takaful Asas? The minimum monthly contribution for this plan is RM20. However, your actual contribution amount will depend on the following: your age your amount and term of coverage your health status your occupation (if applicable) your gender your payment method and frequency How flexible is Giro Takaful Asas? Opt for an open package where you can specify the type and amount of benefits to suit the needs of your lifestyle. Vary the amount of takaful protection according to your financial needs.
9 What are the charges involved in Giro Takaful Asas? Giro Takaful Asas is based on the Wakalah Bil Ajr where we place you contribution into your account after deducting wakalah charge. This is the fee for the services we provide. The details of the wakalah charge and other related charges are listed in the table below. Charges Upfront wakalah charge Details of charges This charge is used to pay commission and distribution related expenses as well as managing and investing the Tabarru Fund. The charge as a percentage 2 of your contribution is shown below. Certificate & 6 7 & year above Upfront wakalah charge 60% 30% 30% 25% 15% 0% Certificate charge There will be a charge of RM24 per year. This charge is to cover the administration cost of your certificate. Tabarru We deduct an amount each month based on your age, gender, health status, occupation (if applicable) and amount of coverage for the duration of the coverage. 2 This is the charge for certificates with term of 20 years and more. For certificates with term less than 20 years, it will be reduced accordingly. Please refer to the plan illustration for more detailed information.
10 How does sharing of Investment Profit on Mudharabah principles work? The Mudharabah principles allow any investment profit arising from the Individual Special Account (ISA) to be shared between you and us. You will receive 80% of the investment profit, while we will receive the balance of 20%. Your share of the profit will be placed back into your ISA. Will I receive any surplus from this plan? You are entitled to receive at least 50% 3 of the distributable surplus (if any) on yearly basis. The balance of up to 50% 3 is shared with us as an incentive for managing the Tabarru Fund. Your portion of the distributable surplus will be placed back into your ISA. 3 The exact amount of the distributable surplus will be determined annually and is subject to approval by both the Shariah Committee and the Board of Directors of Prudential BSN Takaful Berhad.
11 Important notes This brochure does not form a contract between you and Prudential BSN Takaful Berhad. The full terms and conditions as set out in the certificate documents. Please ask for a sample of the terms and conditions should you need more detailed information of the plan. This brochure is published for information only and does not have regard to the specific financial objectives, situation and needs of any specific person. In this brochure, Age refers to Age Next Birthday unless otherwise stated. The returns from your account will be based on the actual performance of the account and are not guaranteed. The investment risk of your account is borne solely by you and the benefits may be less than your total contributions. You should continue paying your contributions regularly until the end of your coverage term to ensure that you are fully protected under the plan at all times. Failing to do so may cease your coverage prematurely. You are entitled for an individual tax relief amounting up to RM6,000 a year when you participate in this plan, subject to terms and conditions of the Inland Revenue Board (IRB). Giro Takaful Asas does not provide any benefit amount from the Tabarru Fund on termination, expiry or maturity of certificate. The plan may be cancelled by a written request to us within fifteen (15) days from the delivery date of the certificate documents, in which case we shall refund the contributions received from you less any medical fees incurred by PruBSN in assessing the risk under the certificate. Participating in a family takaful plan is a long-term commitment. An early termination of the certificate usually involves high costs and the surrender value payable may be less than the total contributions paid.
12 Exclusions Giro Takaful Asas does not cover the following situations. If any of these happen, the benefits offered under the plan WILL NOT be payable to you. If the loss of life occurs as a result of suicide with in one year of the start date of coverage. If the total and permanent disability occurs due to attempted suicide or self-inflicted injury. If the total and permanent disability occurs because you are involved in dangerous aerial activities (including parachuting and sky-diving) unless you are part of a flight crew or as a paying passenger on a licensed commercial flight operating on a regular and designated route. If you do not disclose important information such as a pre-existing illness and so forth during your application for the plan. Find out how to best protect your family and yourself through a complete and suitable plan made especially for you and how to get the most for you and your family from us by contacting any of our Personal Financial Executives or visit your nearest BSN branch for a full consultation and get yourself the right protection today.
13 Giro Takaful Asas is a Shariah-compliant product. This plan is underwritten by: For further information, please contact: Prudential BSN Takaful Berhad is a registered Takaful Operator under the Islamic Financial Services Act 2013 and is regulated by Bank Negara Malaysia. For more information/enquiries, please contact: Prudential BSN Takaful Berhad ( H) Level 8A, Menara Prudential, No. 10, Jalan Sultan Ismail, Kuala Lumpur. Tel: (03) Fax: (03) customer@prubsn.com.my Bank Simpanan Nasional Wisma BSN, 117 Jalan Ampang, Kuala Lumpur. Tel: Important:You must ensure that you are satisfied that this product will best serve your needs and that the contribution payable under the certificate is an amount that you can afford. All information is correct at the time of print. Printed 1 April 2016.
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