Comprehensive Personal Accident Benefit Takaful Rider (CPAB)

IKHLAS Comprehensive Personal Accident Benefit Takaful Rider

Jenis Pelan: 

Pelan perlindungan rider Takaful setara

Had Umur: 

  • Umur Kemasukan :         30 hari hingga 60 tahun (uhad)*
  • Umur Matang : Apabila mencapai umur 65 tahun (uhad)

TEMPOH PERLINDUNGAN:

  • Minima:               5 tahun
  • Maksima:            Mencapai umur 65 tahun atau tempoh sijil asas

 

HAD PERLINDUNGAN:

  • Minima:               RM30,000 (Pelan 1)
  • Maksima:           
    • 16 tahun atau ke bawah:  RM150,000 (Pelan 4) atau  5 x jumlah  perlindungan asas
    • 17 tahun atau ke atas:    RM250,000 (Pelan 5) atau 5 x jumlah perlindungan asas

Cara Pembayaran:

  • Mengikut cara pembayaran untuk pelan asas.

Boleh Ditambahkan Kepada:

  • IKHLAS Savings Takaful
  • IKHLAS Education Takaful
  • IKHLAS Education Takaful (Classic)
  • IKHLAS Lifestyle Takaful
  • IKHLAS Premier Investment Linked Takaful
  • IKHLAS Wanita Takaful

Manfaat Pelan:

  • Menyediakan 6 kategori manfaat, melalui 5 pilihan pelan.
  • Caruman takaful ditentukan berdasarkan pilihan pelan dan kelas pekerjaan

KEMATIAN (D) ATAU KEILATAN KEKAL DAN MENYELURUH (TPD)

  • Berlaku kematian atau keilatan kekal dan menyeluruh yang diakibatkan dari kemalangan.
  • Manfaat = Jumlah perlindungan + Jumlah terkumpul di dalam PRIA
  Pelan 1 Pelan 2 Pelan 3 Pelan 4 Pelan 5
Kematian (D) 30,000 50,000 100,000 150,000 250,000
Keilatan kekal dan menyeluruh (TPD) 30,000 50,000 100,000 150,000 250,000

 

KEILATAN KEKAL SEBAHAGIAN (PPD)

  • Berlaku keilatan kekal sebahagian yang diakibatkan dari kemalangan.
  • Manfaat = Peratusan dari jumlah perlindungan + Jumlah terkumpul di dalam PRIA
  Pelan 1 Pelan 2 Pelan 3 Pelan 4 Pelan 5
Keilatan kekal sebahagian (PPD) 30,000 50,000 100,000 150,000 250,000

 

PEMBAYARAN BALIK PERBELANJAAN PERUBATAN DAN PEMBEDAHAN (MSER)

  • Dimasukkan ke hospital berikutan kecederaan yang diakibatkan dari kemalangan dan dirawat di wad hospital melebihi 6 jam serta dilakukan pembedahan.
  • Manfaat = Pembayaran balik perbelanjaan sehingga had maksima pelan
  Pelan 1 Pelan 2 Pelan 3 Pelan 4 Pelan 5
Pembayaran balik perbelanjaan perubatan dan pembedahan 1,500 2,500 5,000 7,500 12,500

 

KEILATAN SEMENTARA MENYELURUH (TTD)

  • Berlaku keilatan sementara menyeluruh yang diakibatkan dari kemalangan dan disahkan tidak dapat melakukan sebarang bentuk pekerjaan selama sekurang-kurangnya 7 hari berturut-turut.
  • Manfaat = Jumlah manfaat mingguan TTD
  Pelan 1 Pelan 2 Pelan 3 Pelan 4 Pelan 5
Keilatan sementara menyeluruh (TTD) 180 seminggu 300 seminggu 600 seminggu 900 seminggu 1,500 seminggu

 

KEILATAN SEMENTARA SEBAHAGIAN (PTD)

  • Berlaku keilatan sementara sebahagian yang diakibatkan dari kemalangan dan disahkan tidak dapat melakukan sebahagian besar dari pekerjaan selama sekurang-kurangnya 7 hari berturut-turut.
  • Manfaat = Jumlah manfaat mingguan PTD
  Pelan 1 Pelan 2 Pelan 3 Pelan 4 Pelan 5
Keilatan sementara sebahagian (PTD) 60seminggu 100seminggu 200 seminggu 300 seminggu 500 seminggu

 

PEMBAYARAN BALIK PERBELANJAAN PERUBATAN PESAKIT LUAR (OMRB)

  • Menerima rawatan pesakit luar berikutan kecederaan yang diakibatkan dari kemalangan.
  • Manfaat = Pembayaran balik perbelanjaan sehingga had maksima pelan
  Pelan 1 Pelan 2 Pelan 3 Pelan 4 Pelan 5
Pembayaran balik perbelanjaan perubatan pesakit luar 300 500 1,000 1,500 2,500

 

SUMBANGAN

Sumbangan Tahunan Pelan 1 Pelan 2 Pelan 3 Pelan 4 Pelan 5
Kelas Pekerjaan 1 215.80 333.70 593.80 856.70 1,343.30
Kelas Pekerjaan 2 286.80 445.50 799.00 1,155.90 1,821.00
Kelas Pekerjaan 3 394.10 611.30 1,094.00 1,581.40 2,487.70
Kelas Pekerjaan 4 533.20 823.50 1,463.50 2,109.90 3,305.30

 

Sumbangan Bulanan Pelan 1 Pelan 2 Pelan 3 Pelan 4 Pelan 5
Kelas Pekerjaan 1 18.89 29.20 51.96 74.97 117.54
Kelas Pekerjaan 2 25.10 38.99 69.92 101.15 159.34
Kelas Pekerjaan 3 34.49 53.49 95.73 138.38 217.68
Kelas Pekerjaan 4 46.66 72.06 128.06 184.62 289.22

 

PENGECUALIAN:

  • Jenayah, pelanggaran undang-undang
  • Rusuhan, aktiviti pengganas
  • Membunuh diri, cubaan membunuh diri
  • Peperangan
  • Perkhidmatan ketenteraan semasa peperangan
  • Membuat tangkapan sebagai seorang pegawai undang-undang
  • Pelanggaran atau cubaan untuk melanggar undang-undang
  • Perlumbaan (selain menggunakan kaki)
  • Di bawah pengaruh alkohol atau dadah
  • Menghidu racun, gas atau bahan berwap
  • Aktiviti udara
  • Keganasan
  • Kecederaan sediada atau selepas sijil luput
  • Mengandung, bersalin, keguguran
  • Lain-lain pengecualian yang dinyatakan di dalam sijil

5 Comments so far

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