TakafulmyHealth Protector

Takaful myHealth Protector
Simply A Better Choice for Your Health
B
Takaful myHealth Protector
Good Health is Wealth and worth
celebrating. However, healthcare costs
are increasing considerably day by
day which could put a serious financial
strain on you and your loved ones.
Introducing Takaful myHealth Protector
– A comprehensive medical plan that
offers the most attractive range of
inpatient and outpatient healthcare
benefits together with a 15% cash back
when you do not make any claim for
the year.
Takaful myHealth Protector
5
REASONS
why Takaful myHealth Protector
is a better choice for your health ?
1:
2:
Fact
More and more people are finding it difficult to get the
right medical plan they need at an affordable price.
Our Takaful myHealth Protector offers you 8 affordable
and comprehensive medical plans to choose from.
As a person grows older, his or her chances of being
diagnosed with chronic conditions will be greater. There is
a high possibility that his or her retirement savings may be
wiped out by the medical expenses to treat these conditions.
Fact
Our Takaful myHealth Protector lets you enjoy total peace of
mind by taking care of your medical bills with no cost sharing
up to age 85!
3:
Fact
Most people are concerned about the high out-of-pocket
payments at the point of seeking care when they are already
seriously ill.
Our Takaful myHealth Protector allows you to access hasslefree facility with no lifetime limit if your coverage is within the
certificate conditions. You now have less to worry about when
you are admitted into a hospital.
4:
Fact
Many people usually ignore purchasing health insurance as
they don’t want to incur premium costs. Furthermore there
is a perception that insurance is only useful when there is
a serious health problem and in the absence of that, they
stand to get nothing in return.
Our Takaful myHealth Protector rewards you with 15% cash
back when you do not make any claim for the year. This cash
back could come in handy to help with other expenses.
5:
Fact
In a globalizing world, healthcare should not be confined within
national borders especially when one is faced with difficult
health circumstances or choices regarding the treatment
options. An option to access to highly specialized care in all
around the world is definitely a valuable resource.
Our Takaful myHealth Protector provides you the option to
seek overseas medical treatment, subject to the reasonable and
customary charges in Malaysia.
1
2
Takaful myHealth Protector
Choice of 8 comprehensive and affordable
At a Glance
medical plans with no cost sharing
Takaful myHealth Protector offers you:
Hassle-free hospital admission and bill settlement at
Choice
of 8 comprehensive and affordable
panel
hospitals
medical plans with no cost sharing
Comprehensive coverage with no lifetime limit up to
Hassle-free
age
85 years hospital admission and bill
settlement at panel hospitals
Comprehensive
with no lifetime limit
15%
cash back for nocoverage
claims
up to age 85 years
24-hour worldwide emergency referral
15% cash back for no claims
assistance service
24-hour worldwide emergency referral
assistance service
Takaful myHealth Protector
What are the benefits ?
The benefits shall include:
(A) In-Patient and Daycare Surgical Benefits
Benefits (RM)
Plan 1
Plan 2 Plan 3
1 Daily Hospital Room and Board
150
200
250
(No limit on number of days)
Benefits (RM)
2 Intensive Care Unit
(Maximum 60 days per any one disability)
3 Surgical Fees (Including local second surgical opinion)
4 Anaesthetist Fees
5 Operating Theatre
6 Hospital Supplies and Services
7 In-Hospital Physician and Specialist Visit
8 Ambulance Fees
9 Day Surgery
10 Organ Transplant
11 Malaysian Government Service Tax
12 Meals and Lodging in Hospital for Guardian (No limit on number of days)
13 Medical Report Fee
14 Daily Cash Allowance at Malaysian Government Hospital
(No limit on number of days)
(B) Out-Patient Benefits & Other Expenses
1 Pre-Hospitalization Benefit
(Within 60 days before hospitalization)
2 Post-Hospitalization Benefit or Day Surgery Follow Up
(Within 60 days after discharge)
3 Out-patient Cancer Treatment
4 Out-patient Kidney Dialysis Treatment
5 Out-patient Stroke Treatment
6 Home Nursing Care Benefit
(Maximum 120 days per year)
7 Emergency Accidental Out-patient Treatment
8 Emergency Accidental Dental Treatment
9 Accidental Out-patient Alternative Medical Treatment
10 Prosthesis
Limits (RM)
Overall Annual Limit for (A) & (B)
Overall Lifetime Limit
(C) Additional Benefit
Funeral Expenses
Plan 1
100k
Plan 2
125k
Plan 3
150k
Plan 4
Plan 5
300
350
Plan 6
Plan 7
Plan 8
400
450
500
Plan 1 - 8
As charged 1
As charged 1, up to RM75 per day
As charged 1, up to RM80 per any one
disability
RM100
Plan 1 - 8
As charged 1
As charged 1, up to RM50 per visit &
RM300 per accident
As charged 1, up to RM300 per accident
Plan 4 Plan 5 Plan 6
Plan 7 Plan 8
175k
200k
225k
250k
275k
No Limit
Plan 1 - 8
RM3, 000
What’s more, you may receive a 15% cash back2 provided no claim
has been made during the coverage period.
1
2
As charged based on Reasonable and Customary Charges, subject to the Overall Annual Limit
Not guaranteed
3
4
Takaful myHealth Protector
Emergency Referral Assistance Services3
24
HOURS
Our 24-hour one-stop careline takes away your
worries. Afflicted with a health condition and
being far away in a foreign land with no immediate
support can prove to be a difficult experience.
Now, you can rest easy and have a peace of mind
knowing that your well-being is taken care by
Takaful myHealth Protector.
International and Domestic Emergency Medical Assistance
Emergency medical evacuation and repatriation and medical
assistance.
Travel Assistance
Provides information such as visa, inoculation requirements,
weather information, assists in loss of luggage, etc.
Car Assistance
Emergency towing and minor roadside repair, referral to service
centre and car replacement assistance.
Concierge Service
Assists in restaurant reservation, flower and gift delivery service
and ticket booking.
Purely on referral arrangement; actual costs to be borne by member
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Takaful myHealth Protector
Table Of Contribution4
Your contribution can be made annually or semi-annually. It is payable up to 85 years and
charged according to your attained age at renewal.
(A)Male
Attained
Age
(Next
Birthday)
Plan 1
Plan 2
Plan 3
Plan 4
Plan 5
1–5
6 – 10
11 – 35
36 – 40
41 – 45
46 – 50
51 – 55
56 – 60
61 – 65
66 – 70
*71 – 75
*76 – 85
1,005
795
660
785
960
1,210
1,345
1,900
2,945
4,450
6,740
11,225
1,210
955
785
935
1,150
1,460
1,625
2,305
3,595
5,455
8,275
13,785
1,400
1,095
895
1,075
1,325
1,690
1,880
2,675
4,185
6,365
9,665
16,120
1,605
1,255
1,020
1,225
1,520
1,940
2,160
3,080
4,835
7,360
11,190
18,670
1,835
1,425
1,155
1,390
1,730
2,210
2,465
3,525
5,545
8,455
12,865
21,475
Attained
Age
(Next
Birthday)
Plan 1
Plan 2
Plan 3
Plan 4
Plan 5
1–5
6 – 10
11 – 35
36 – 40
41 – 45
46 – 50
51 – 55
56 – 60
61 – 65
66 – 70
*71 – 75
*76 – 85
920
730
620
815
995
1,255
1,395
1,970
3,060
4,415
6,685
11,125
Plan 6
Plan 7
Plan 8
2,085
1,615
1,305
1,575
1,960
2,515
2,800
4,020
6,335
9,665
14,715
24,565
2,360
1,825
1,470
1,775
2,215
2,845
3,175
4,560
7,200
11,000
16,760
27,985
2,665
2,055
1,650
2,000
2,500
3,220
3,585
5,165
8,170
12,485
19,030
31,790
Plan 6
Plan 7
Plan 8
2,140
1,655
1,375
1,855
2,315
2,975
3,310
4,765
7,530
10,965
16,705
27,885
2,415
1,865
1,545
2,090
2,615
3,365
3,745
5,400
8,545
12,450
18,975
31,690
Annual Contribution (RM)
(B)Female
Annual Contribution (RM)
*For renewal only
1,105
875
735
975
1,200
1,520
1,690
2,400
3,740
5,415
8,215
13,690
1,275
1,000
840
1,120
1,380
1,760
1,955
2,790
4,365
6,330
9,610
16,020
1,460
1,140
955
1,275
1,580
2,020
2,245
3,215
5,045
7,325
11,135
18,575
1,665
1,295
1,080
1,450
1,800
2,305
2,565
3,680
5,790
8,420
12,810
21,375
1,890
1,465
1,220
1,640
2,045
2,625
2,920
4,195
6,615
9,625
14,660
24,465
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Takaful myHealth Protector
Fees And Charges4
Fees / Charges
Description
Wakalah Fee
• 30% of the contribution to pay for commission and other
expenses
• Managed Care Charge5 of RM60 per annum
Tabarru’
Levied based on your attained age, gender and the
chosen plan.
All the contributions, fees and charges are not guaranteed and may vary in the future.
A service fee for medical plan.
4
5
What should you know ?
Q: Who is eligible to apply?
A: Takaful myHealth Protector is available to individuals between the ages of
30 days to 70 years next birthday.
Q: How does the cash back work?
A: If you do not make any claims in the previous year, we will reward you with
15% cash back on the total contributions paid which you will receive in the
following year.
For example, a 30-year old male person covered with Takaful myHealth Protector
(Plan 4) pays an annual contribution of RM1,020:
End of Year
Annual
Contribution
(RM)
Any claims
made?
Qualify for
Cash Back?
Amount of Cash
Back Received
(RM)
1
1,020
No
Yes
-
2
1,020
Yes
No
153
3
1,020
No
Yes
-
4
1,020
No
Yes
153
You will continue to receive the 15% cash back as long as no claims are made.
Q: Can I get tax relief when I participate in Takaful myHealth Protector?
A: Yes, you may qualify for tax relief, subject to the approval of Inland Revenue Board.
Takaful myHealth Protector
What is not covered?
• Pre-existing Illness.
• Any claim due to Specified Illness
occurring during the first one
hundred and twenty (120) days of
continuous cover.
• Any circumcision, plastic/cosmetic
surgery and related treatment
(including but not limited to double
eyelids and acne) or its complications
except as necessitated by Injury.
Eye examination, corrective glasses,
intraocular lens, visual repairmen
due to refractive errors including
but not limited to nearsightedness,
farsightedness
or
astigmatism
(Radial Keratotomy); the use or
acquisition of external appliances
or devices such as artificial limbs,
external
fixator,
hearing
aids
(including
cochlear
apparatus)
and any other internal implantable
devices implanted pacemakers and
prescriptions thereof except during
hospital confinement.
• Dental conditions including dental
treatment or oral Surgery except as
necessitated by accidental Injuries to
sound natural teeth occurring wholly
during the Period of Takaful.
•
Private nursing, rest cures or sanitaria
care, illegal drugs, intoxication,
sterilisation, venereal disease and its
sequelae, AIDS (Acquired Immune
Deficiency Syndrome) or ARC (AIDS
Related Complex) and HIV related
diseases, and any communicable
diseases required quarantine by law.
• Any treatment, therapy or surgical
operation
for
congenital
or
hereditary diseases, deformities or
disabilities including but not limited
to any diseases or disabilities of
a newborn contracted prior to or
during birth or within the first 14
days after delivery, including any of
the resulted complications.
• Pregnancy or childbirth (including
any diagnostic tests), abortion,
miscarriage, or prenatal or postnatal
care,
surgical,
mechanical
or
chemical contraceptive methods
of birth control, test or treatment
related to infertility or sterilization
or sexual dysfunction or sex change
procedures, including any of the
resulted complications.
• Any medical care or treatment
received primarily for experimental
or investigative purposes, general
physical or medical examinations,
not incidental to treatment or
diagnosis of a covered disability or
any treatment which is not Medically
Necessary and any preventive
treatments, preventive medicines,
stem cell therapy, or examinations
carried out by a Physician, or
treatments specifically for weight
reduction or gain or bariatric surgery.
•Any
out-patient
treatment
or
alternative medical treatment unless
specifically provided under this plan.
• Treatment
for injuries sustained
while committing a crime or felony,
or while under the influence of
alcohol, narcotics, or mind altering
substance or injuries which are self
inflicted while sane or insane.
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Takaful myHealth Protector
What is not covered?
• War or any act of war, declared or
undeclared, criminal or terrorist
activities, active duty in any armed
forces,
direct
participation
in
strikes, riots and civil commotion or
insurrection.
• Ionising radiation or contamination
by radioactivity from any nuclear
fuel or nuclear waste from process
of nuclear fission or from any nuclear
weapons material.
• Expenses incurred for donation of
any body organ by a Person Covered
and costs of acquisition of the organ
including all costs incurred by the
donor during organ transplant and
its complications.
•Investigation
and treatment of
sleep apnoea and snoring disorders,
hyperhidrosis treatment, hormone
replacement therapy including but
not limited to sex hormone therapy
and other alternative therapy or
treatment such as but not limited to
chiropractic services, acupuncture,
acupressure,
reflexology,
bonesetting,
herbalist
treatment,
hyperbaric oxygen therapy, massage
or aroma therapy.
• Care or treatment for which payment
is not required or to the extent which
is payable by any other Takaful/
insurance or indemnity covering
the Person Covered and Disabilities
arising out of duties of employment
or profession that is covered under
a Workman’s Compensation Takaful/
Insurance Contract.
•Psychotic,
mental
or
nervous
disorder (including any neuroses and
their physiological or psychosomatic
manifestations).
• Costs/expenses of services of a nonmedical nature, such as television,
telephones, broadband services,
radios or similar facilities, admission
kit/pack, and other ineligible nonmedical items.
• Sickness or Injury arising from racing
of any kind (except foot racing),
hazardous sports such as but not
limited to skydiving, water skiing,
underwater
activities
requiring
breathing apparatus, winter sports,
professional sports and illegal
activities.
• Private flying other than as a farepaying passenger in any commercial
scheduled airlines licensed to carry
passengers over established routes.
• Any other causes prohibited by
Shariah, subject to the discretion of
Our Shariah Advisory Body.
Please also note that Takaful myHealth Protector does not cover
any medical treatment received by the person covered outside
Malaysia, if the person covered resides or travel outside Malaysia
for more than ninety (90) consecutive days.
Takaful myHealth Protector
Important Notes:
• This is a yearly renewable medical and health takaful plan.
• You should satisfy yourself that this plan will best serve your needs and
the contribution payable under this plan is the amount that you can
afford.
•If
you do not pay the contribution regularly and timely, the Takaful
coverage under this plan may be interrupted.
• Any revision of the fees and charges or contribution will be made upon
renewal and we will notify you by giving you 30-day notice.
• If
you switch-over your medical plan from one company to another
or if you surrender your current medical plan with another medical
plan within the same company, you may be required to submit an
application where acceptance of your proposal will be subjected to
the terms and conditions to be imposed at the time of switching or
replacement of the medical plan.
• If the certificate is cancelled with the free-look period of 15 calendar
days, we will refund you all contributions paid less any expenses
incurred for medical examination.
• This brochure provides general information only. It does not constitute
a Takaful contract. You are advised to refer to the consumer education
booklet on MHT, Product Disclosure Sheet and the certificate
documents for further and better particulars pertaining to the plan
(including the rider, if attached) before you decide to participate in
a plan. Takaful Malaysia hereby disclaims any liability of whatsoever
nature should you suffer losses merely by relying on the information
contained herein.
• In
the event of inconsistency between English, Bahasa Malaysia and
Mandarin versions, the English version will prevail.
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We Should Talk
Syarikat Takaful Malaysia Berhad
(131646-K)
26th Floor, Annexe Block, Menara Takaful Malaysia,
No. 4, Jalan Sultan Sulaiman, 50000 Kuala Lumpur.
P.O. Box 11483, 50746 Kuala Lumpur.
1-300 8 TAKAFUL (825 2385)
takaful-mala ysia.com.my
[email protected]
Syarikat Takaful Malaysia Berhad
Syarikat Takaful Malaysia Berhad is a company licensed under the Islamic Financial Services Act 2013 and
regulated by Bank Negara Malaysia.