Takaful Income Protect

Personal Accident Insurance

A plan that covers you for accidents, medical expenses, and provides cash allowance for hospitalisation. From RM0.54/day.
Based on Plan 1 (Myself), Annual Plan, inclusive of 6% Sales and Services Tax and RM10 stamp duty

What is Takaful Income Protect?

Accidents and hospitalisation can happen anytime, anywhere, and to anyone.

Get protected with Takaful Income Protect plan and you will be get cash allowance for each day you are hospitalised due to an accident to compensate you for your potential loss of income.

Why Takaful Income Protect?

Income Protect plan provides you and your family a complete protection with affordable contributions.

Up to RM1,000,000 for Accidental Death or Permanent Disablement
Up to RM500/day (up to 30 days) for hospitalisation
Up to RM2,000 for medical out-patient expenses (on reimbursement basis)
Up to RM3,000 for compassionate cash
Up to RM25,000 for children’s education benefits

Specially for income earners only:

Up to RM200,000 for additional income for Total and Permanent Disability (TPD)
Up to RM1,000 per week (up to 24 weeks) cash allowance if suffer from TPD

Benefits & Contribution

Benefits	Maximum Benefit Amount Per Person in Ringgit Malaysia (RM)
Benefits	Plan 1	Plan 2	Plan 3	Plan 4
Death and Disablitity Benefits Due to Accident
Death a) Per adult b) Per child	100,000 20,000	150,000 20,000	250,000 50,000	500,000 50,000
Permanent Disability a) Per adult b) Per child	100,000 20,000	150,000 20,000	250,000 50,000	500,000 50,000
Death or permanent Disability whilst travelling on public transport, the public transport is hijacked, being a victim of murder, or terrorism a) Per adult b) Per child	200,000 40,000	300,000 40,000	500,000 100,000	1,000,000 100,000
Temporary Total Disability up to 24 weeks per accident (for income earners only)	500 per week	500 per week	500 per week	1,000 per week
Temporary Partial Disability up to 24 weeks per accident (for income earners only)	250 per week	250 per week	250 per week	500 per week
Hospital and Medical Benefits Due to Accident
Cash allowance for hospital ICU (up to 30 days)	150 per day	200 per day	400 per day	500 per day
Cash allowance for hospital other than ICU (up to 30 days)	75 per day	100 per day	200 per day	250 per day
Reimbursement of medical outpatient expenses	500	1,000	1,000	2,000
Allowance and Education Benefits
Compassionate cash	1,000	2,000	3,000	3,000
Children education fund (per child)	10,000	15,000	25,000	25,000
Additional income for Total and Permanent Disability, due to accident (for income earners only)	50,000	75,000	125,000	200,000

Terms & conditions apply.

Monthly Contribution Rate

Coverage Scheme	Monthly (RM)
Coverage Scheme	Plan 1	Plan 2	Plan 3	Plan 4
Myself	15.40	23.14	37.80	71.54
Myself & Spouse	29.26	43.97	71.81	135.93
Myself, Spouse & 1 Child	32.40	47.86	79.42	144.96
Myself, Spouse & 2 Children	34.60	50.39	84.74	149.94
Myself, Spouse & 3 Children	37.65	54.17	92.14	158.73
Myself, Spouse & 4 Children	40.70	57.96	99.55	167.52
Myself, Spouse & 5 Children	42.57	60.07	104.07	171.55
Myself & 1 child	17.77	25.87	43.51	77.00
Myself & 2 children	20.90	29.76	51.12	86.02
Myself & 3 children	23.40	32.76	57.18	92.55
Myself & 4 children	26.46	36.55	64.59	101.34
Myself & 5 children	29.51	40.33	72.00	110.13

Yearly Contribution Rate

Coverage Scheme	Yearly (RM)
Coverage Scheme	Plan 1	Plan 2	Plan 3	Plan 4
Myself	175.00	263.00	429.50	813.00
Myself & Spouse	332.50	499.70	816.05	1,544.70
Myself, Spouse & 1 Child	368.13	543.88	902.50	1,647.30
Myself, Spouse & 2 Children	393.13	572.58	962.93	1,703.85
Myself, Spouse & 3 Children	427.81	615.59	1,074.10	1,803.75
Myself, Spouse & 4 Children	462.50	658.60	1,131.28	1,903.65
Myself, Spouse & 5 Children	483.75	682.65	1,182.60	1,949.40
Myself & 1 child	201.88	294.03	494.48	874.95
Myself & 2 children	237.50	338.20	580.93	977.55
Myself & 3 children	265.94	372.31	649.81	1,051.73
Myself & 4 children	300.63	415.33	733.99	1,151.63
Myself & 5 children	335.31	458.34	818.16	1,251.53

All contributions, other charges and fees (if applicable) are subjected to relevant changes or taxes as deemed necessary by the Malaysian tax authorities. The premiums are exclusive of RM10 stamp duty.

Who can apply

Adult age between 18 and 65 and child age between 45 days to 18 years old (or aged under 23 if studying full-time in a recognised institution of higher learning); and
Residents of Malaysia or
Permanent Resident of Malaysia or
Legally employed and residing in Malaysia including their spouse and children