i-Great Yaqeen | Coverage towards financial confidence

1. i-Great Yaqeen is a regular contribution Term Takaful plan that offers Takaful protection and matures at age 80 years next birthday. It provides coverage upon the Person Covered being diagnosed with any one of the Critical Illnesses (“Covered Events”). This plan also provides an additional essential care benefit of RM10,000 (up to RM20,000) in the event of hospitalisation of the Person Covered in the ICU for a minimum of 5 consecutive days.
   
2. You should be convinced that this plan will best serve your needs and that the contributions payable under the certificate are affordable to you. Contributions are payable until the end of your coverage term. If you do not pay within the grace period of 30 days, we will deduct the monthly Tabarru’ from the PIA. Your certificate will lapse and hold no value if the amount left in PIA is less than or equal to zero.
   
3. Participating in a Takaful plan is a long-term financial commitment. The accumulated cash value that you may get when you cancel the certificate before maturity period will be much less than the total amount of contribution that you have paid.
   
4. A “free-look period” of 15 days from the delivery date of the certificate is given for you to review the suitability of the plan. If the certificate is returned to us during this period, we shall refund an amount equal to the amount of contributions paid less any medical fee incurred, if any, for the medical examinations.
   
5. Upon surrender, we will refund the cash value in PIA under this certificate (if any). Nevertheless, the unexpired Tabarru’ from the Tabarru’ Fund and the Unearned Unallocated Contribution from the Takaful Operator’s Fund (other than the first year Unallocated Contribution) less actual medical expenses incurred (if any) will be payable to you.
   
6. Upon death of the Person Covered, certificate Maturity, or termination of certificate, any cash value from the PIA will be payable, which may be less than the total allocated contribution in the PIA. No benefit is payable from Tabarru' Fund.
   
7. If you switch your certificate from one Takaful Operator to another or if you replace your current certificate with another certificate within the same Takaful Operator, you may be required to submit an application where the acceptance of your proposal will be subject to the terms and conditions to be imposed at the time of switching or replacement.
   
8. The amount in PIA will be based on the actual performance of the fund and it is not guaranteed. Depending on the fund's performance, the PIA value may decrease and the certificate may potentially lapse. The investment risk under this plan will be borne solely by you and the PIA may be less than the total contributions contributed to the fund.

This brochure merely provides general information only and is not a contract of family takaful. You are advised to refer to the benefit illustration, Product Disclosure Sheet and sample of certificate for detailed features and benefits of the plan before participating in the plan.  

i-Great Yaqeen is a Shariah-compliant product.

If there is a discrepancy between the English and Malay versions of this brochure, the English version shall prevail.

Great Eastern Takaful Berhad is a member of PIDM. The benefit(s) payable under eligible certificate/product is (are) protected by PIDM up to limits. Please refer to PIDM’s TIPS Brochure or contact Great Eastern Takaful Berhad or PIDM (visit www.pidm.gov.my).