Surplus Sharing for General Takaful

Surplus Sharing is the sharing of underwriting surplus and investment income between takaful operator and participants at the end of certificate period following an agreed sharing ratio.

This surplus sharing is applicable to takaful certificates issued by Etiqa Takaful and shall be payable once Etiqa Takaful announces its financial result preceding the expiry of the certificate.

Kindly click Download for more information about Surplus Sharing and Payment Instruction Form.

Payment Eligibility

Surplus Sharing is eligible to the following:

  • Certificate has been issued and has been paid fully.
  • No claims on takaful cover (except windscreen claims, Knock for Knock (KFK), and Accessories).

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