i-Medi Shield Booster Rider | Medical rider plan for healthcare needs
i-Medi Shield Booster Rider | Medical rider plan for healthcare needs
Life often presents us with pivots and changes. Nevertheless. we ought to keep ourselves protected with a health protection plan, even more so in the midst of inflation. i-Medi Shield Rider is an attachable rider that complements your basic Takaful plan and would help to ensure that you and your family are safeguarded.
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Key Benefits
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Deductible options to fit affordability
Choose from deductible of RM500, RM1,000, RM2,000 and RM5,000, with 50% reduction of chosen deductible amount*, subject to continuation of certificate, up-to-date contribution and no claims of at least 5 years.
*Reduction does not apply to RM500 deductible
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Increasing hospital Room & Board and Overall Medical Limit
Enjoy 20% increase of initial R&B every 5 years and 10% increase of initial overall medical limit every 2 years, subject to no claim.
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Extension of coverage beyond overall medical limit with co-Takaful
Should claims exceed overall medical limit, a 20% co-Takaful applies.
How i-Medi Shield Rider works
Let us match you with a qualified Takaful advisor
Our Takaful advisor will answer any questions you may have about our products and planning.
How can we help you?
Understand the details before participating
- i-Medi Shield Rider is a contribution paying Medical and Health Takaful rider covering hospitalisation and surgical expenses attachable to selected regular contribution Term Family Takaful Plans.
- All age stated in this brochure refers to age next birthday.
- You should satisfy yourself that these riders will best serve your needs and that the contribution payable until the end of the rider’s term is an amount you can afford.
- You may stop paying contributions and still enjoy protection as long as there is sufficient amount of money in the Participant’s Individual Account to pay for the Tabarru’, where applicable. However, there is a possibility of certificate lapsing when the required charges, including Tabarru’, exceed the money available in Participant’s Individual Account. Participating in too many riders or choosing high protection levels may deplete the cash values. Depending on the fund's performance, the Participant's Individual Account Value may decrease and the certificate may potentially lapse. Participating in too many riders or choosing high protection levels may deplete the cash values. Depending on the fund's performance, the Participant's Individual Account Value may decrease and the certificate may potentially lapse.
- When the rider is terminated or laid-off or upon rider's expiry, no benefit will be paid from the Tabarru' Fund.
- A “Free-Look Period” of 15 days from the delivery date of the certificate is given for you to review the suitability of this Medical and Health Takaful rider. If the certificate is returned to us during this period, we shall refund an amount equal to the amount of contributions paid minus medical expenses (if any).
- If you switch your rider from one Takaful Operator to another or if you exchange your rider with basic plan, or vice versa, 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.
Terms and conditions apply. The info above 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 certificate for detailed features and benefits of the plan before participating in the plan.