A-Prima, Whole Life Plan

Together we help you protect your family against financial uncertainty.

Life is full of unexpected events and these events may be the impediments that prevent you from moving on and achieving your goals. Introducing A-Prima, a regular contribution family takaful plan that helps you manage the uncertainty and minimizes the financial ramification as a result of these unfortunate events. Hence, you can continue to pursue your dreams to achieve a better life.

What is A-Prima about?

A-Prima is a regular contribution family takaful plan that provides takaful protection up to age 99 of the person covered. A range of optional benefits is available to be attached to the family takaful plan to further enhance the takaful coverage.

What are the covers / benefits provided?

This plan provides :

• Death benefit
If the person covered dies before the maturity date of the certificate and while this certificate is in force, the higher of the sum covered or the value of the Participant’s Account (Participant’s Account Value) on the date of death shall be payable.

• Total and Permanent Disability (TPD) benefit
If you suffer from total and permanent disability before age 60, the higher of TPD sum covered or the Participant’s Account Value shall be payable. If the total and permanent disability benefit is TPD sum covered, a lump sum amount which is advanced from 100% of TPD sum covered or 10% of the TPD sum covered in each of the first two years, followed by the remaining 80% in the third year, depending on the nature of the disability, will be payable.

• Maturity benefit
If the certificate is in force and the person covered is then alive on maturity date, the Participant’s Account Value shall be payable.

Am I allowed to attach any riders to this plan?

You have an option to further enhance your takaful coverage by adding extra coverage2 from our range of optional benefits below :

1) Critical Illness
The sum covered of the critical illness benefit is payable in one lump sum upon diagnosis of specific illnesses to help you cope with the extra medical cost.

2) Critical Illness Waiver of Contribution
Waive and pay the regular contribution for the basic certificate on behalf of participant in the event the person covered is diagnosed to be suffering from any one of the specified critical illness or undergoes a covered surgery.

3) Personal Accident
Coverage is provided for death or injuries resulting from an accident.

4) Hospitalization and Surgical

Coverage is provided by assisting you in coping with the medical expenses incurred in times of hospitalization.

Dapatkan proposal/quotation PERCUMA :

NOTA PENTING: 
Risalah ini menyediakan ringkasan mengenai ciri-ciri utama produk ini. Ini bukan merupakan sijil takaful. Sila rujuk kepada sijil takaful untuk butiran lanjut atau terma-terma dan syarat-syarat yang tepat.