#HarapanLagi - Limited offer!
Higher coverage for both your needs and loved ones
From 10 March - 31 March 2025
Life can go from simple to complex in the blink of an eye. It’s not just “you” who you need to look after. When you’re starting a family, you will face perhaps the most daunting financial pressures you have ever encountered. With a spouse and children, you’re not the only one who depends on your income to make ends meet.
Expenses like rent or a mortgage, school fees, childcare and just everyday living expenses weigh heavily, and you’re likely still early in your career, far from your peak earning potential. At the same time, you need to begin saving for the future – education for the kids and a nest egg for your spouse in case anything unfortunate happens to you. How can you address all of these obligations at once?
With #HarapanLagi, rest assured that your family wouldn’t be left short financially if you were no longer around. Offering high coverage of up to almost RM1 million with a very affordable monthly contribution, #HarapanLagi campaign is your family’s next hope of living. Don't miss out this limited offer, valid until 31 March 2025 only!
Benefits
Simplified issuance offering
Get protected by only answering 6 simple questions.
Low contribution with high coverage
Get protected for as low as RM0.50 a day for coverage of up to RM400,000.
High sum covered
Adequate fixed Basic Sum Covered from RM100,000 to RM249,000.
Total and permanent disability (TPD) benefit
In the event of TPD prior to the Certificate anniversary of age 70 years next birthday, due to all causes, Basic Sum Covered (BSC) shall be payable.
Payment of the TPD is made payable to the Person Covered which subsequently terminates the certificate.
Death benefit
In the event of death prior to the Certificate maturity, the BSC shall be payable. In the event that the total contribution paid is higher than the BSC upon death, the total contribution paid shall be payable.
Accidental death benefit
In the event of death due to any cause from the Certificate year four (4) onwards, a lump sum amount of RM3,000 per person may be payable from Takaful Operator's fund as hibah, as long as claimant submits death certificate and/or other evidence satisfactory to Takaful Operator without a need to process death claim first.
| in Malaysia | Additional 100% of BSC |
| caused by the following events: ● while traveling as a passenger in a Public Conveyance; or ● riding as a passenger in an elevator or electric lift (elevator or electric lift in mines or in a building under construction is excluded); or ● in consequence of the burning of any hotel or other public buildings (except theatre or cinema) in which the Person Covered shall be present at the time of commencement of the fire. |
Additional 200% of BSC |
| outside of Malaysia | Additional 300% of BSC |
Terms and conditions
The rates may be higher or lower depending on the gender, age and Sum Covered chosen.
1Basic Sum Covered will be payable from Tabarru' Fund. Tabarru' Fund refers to a pool of funds established for the purpose of solidarity and cooperation among the participants that is used to help all participants in the event of misfortune.
2Total Payout is the higher of Sum Covered or Contribution paid.
How i-Gr8 Harapan works
