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HLM Takaful i-Care Rahmat

One plan that meets your protection & savings needs

 
Malaysians are living longer today! Life expectancy continues to increase each year and the figure reached 75 years in 2017 as evidenced by the Department of Statistics Malaysia. To celebrate longevity, we offer you i-Care Rahmat, a regular contribution investment-linked plan which strikes a perfect balance between protection and savings.
 

 

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PROTECTION AND SAVINGS IN 1 PLAN
  • Death benefit coverage up to the age 80 or 100 depending on your needs, and Total and Permanent Disability (TPD) benefit up to age 65. Upon the end of TPD coverage, the Old Age Disablement (OAD)1 benefit will cover you till the end of the plan term.
  • Accumulate your savings by choosing from our wide range of investment-linked funds, depending on your risk appetite.
  • Enhance your coverage by selecting riders to cater for all your protection needs.
 
RECEIVE MATURITY VALUE
You may receive the maturity value, which is your account value2, at the end of the plan term.
 
BONUS UNITS PAYABLE AS A HIBAH (GIFT)
Beginning from the 7th certificate year onwards, bonus units up to 0.2% of the account value will be allocated into the Participant’s Investment Account on every certificate anniversary.
 
FLEXIBILITY
  • You may top-up or withdraw your account value at any time.
  • Even better, you may switch your funds whenever you want with no extra charges.
 
POTENTIAL SURPLUS DISTRIBUTION
Any surplus from the Participants’ Risk Fund will be shared between you and us in the ratio of 50:50. Your entitlement will be allocated as additional units to your investment-linked funds.
 
FULFILL YOUR RELIGIOUS OBLIGATION
We also offer value-added services such as Hajj by Proxy, Waqf and Qurban to assist Muslims in fulfilling their religious responsibilities.
 
1 The OAD benefit will be commences from age 66.
2 The account value depends on the price of units, which may rise or fall based on the performance of the investment-linked funds and is not guaranteed.
 
What is this plan about?
i-Care Rahmat is an investment-linked plan that provides a lump sum benefit payment upon Death or Total and Permanent Disability (TPD) or Old Age Disablement (OAD), whichever earlier, during the certificate term.
 
What are the covers / benefits provided under i-Care Rahmat?
Covered Event/Benefit Benefit Payable
Death Benefit payable is the total of:

(a) Sum Covered* payable from the Participant’s Risk Fund (PRF); and
(b) Account Value in the Participant’s Investment Account (PIA).


*subject to Juvenile Lien for Death and TPD benefit.
Total and Permanent Disability (TPD) before attaining age 65
Old Age Disablement (OAD) after attaining age 65
Bonus Units Payable as a Hibah (Gift) Beginning from the 7th certificate year, bonus units up to 0.2% of account value will be allocated into the Participant’s Investment Account on every certificate anniversary.
Maturity Account Value in the PIA will be payable.
 
Are there any optional riders attachable to this plan?
Yes, currently there are 7 optional riders available to be attached to i-Care Rahmat as per table below:
Contribution Paying Rider Description
Additional Critical Illness 2 Rider This rider provides benefits in the event the Person Covered is diagnosed to have suffered from any of the 36 specified critical illnesses². The benefits payable will not impact your Basic Sum Covered.
Accelerated Critical Illness Plus Rider This rider provides benefits in the event the Person Covered is diagnosed to have suffered from any of the 36 specified illnesses². The benefits payable will be accelerated from the Basic Sum Covered.
Term (Payor) Plus Rider This rider provides additional coverage for the Participant in the event of death/TPD.
Waiver of Contribution on Critical Illness 2 This rider provides waiver of contribution for the future remaining total contributions under the basic certificate and any other attaching riders other than CI riders (as per Takaful Certificate) until the end of this rider term, in the event the Person Covered is diagnosed with any of the 36 critical illnesses (CI).
Unit Deducting Rider Description
Medi-Auni Rider This rider provides hospital and surgical benefits in the event the Person Covered is hospitalised or receiving treatment due to accident or illnesses covered under this rider.
Living Care Rider In the event of Participant’s death /TPD/OAD/ diagnosis of any of the 36 critical illnesses, whichever is earlier, this rider provides waiver of contribution for the future remaining total contribution of the basic certificate and any other attaching riders (as per Takaful Certificate) until the end of this rider term.
Hospital Income Benefit 3 Rider Upon hospitalisation of the Person Covered due to illness or injury during the coverage term of the rider, a fixed cash amount will be payable for each day the Person Covered is hospitalised.
Payor Care 2 Rider  Provides a sum of amount which is equivalent to total future remaining contributions under the basic plan and any other attaching riders (as per Takaful Certificate) to PIA, in the event that the Participant dies or suffers TPD, whichever is earlier.
Top-Up Care 2 Rider  Provides a sum of amount which is equivalent to total future remaining regular top-up to PIA, up to Regular Top-Up Contribution Term or upon Participant attaining ANB 80 or up until the Contribution term whichever is earlier, in the event the Participant dies or suffers TPD, whichever is earlier.
Accidental Death and Dismemberment 2 Rider This rider provides benefits in the event the Person Covered dies or dismembers due to accident during the rider term.
Accident Medical Reimbursement Plus Rider This rider reimburses the actual expenses for medical treatment, admission to a hospital or nursing services, incurred as a result of an accidental bodily injury of the Person Covered.
Weekly Indemnity Plus Rider This rider provides weekly indemnity benefit in the event of Temporary Total Disability or Temporary Partial Disability of the Person Covered.

²You may find the list of critical illnesses covered under this rider in Appendix I.

 
How much contribution do I have to pay?
The total contribution that you have to pay may vary depending on the sum covered multiple and our underwriting requirements.
We allocate a portion of the contribution to purchase units in the investment-linked fund that you have chosen. Any unallocated amount will be used to pay wakalah fees, which include commissions to agents and other. You are advised to refer to the allocation rates given in the benefit illustration.
 
What is the contribution payment mode?
You can pay the contribution on annually, half-yearly, quarterly or monthly basis.
 
How can I pay the contribution?
You can pay your contribution by:
  • E-Payment: Auto Debit, BPA, Direct Debit & Standing Instruction
  • Cash and Cheque: Quarterly, Half- yearly & Annual (Case to Case Basis)
 
What are the fees that I have to pay?
  • The tabarru' charges are deducted monthly from the value of your units. The tabarru' charges will increase as you grow older. Details of tabarru' charges and other charges for this plan are given in the benefit illustration.
  • The wakalah fee is an upfront charge on the contribution paid and is used to meet our expenses and direct distribution cost, including commissions payable to the agency.
  • Other charges information are as follows:
Fee/ Charge Amount
Monthly Service Fee RM 5 per month
 
What is the minimum Sum Covered offered?
The minimum Sum Covered is RM10,000.
 
Can I change my Sum Covered subsequent to the inception of the certificate?
Yes, change in Sum Covered is allowed. You may increase or reduce the Sum Covered at Contribution Due Date (subject to the minimum Sum Covered multiple). Any request for increasing the Sum Covered will be further subject to underwriting. The revised tabarru’ will be deducted from the next Contribution Due Date onwards.
 
What is the minimum and maximum entry age for this product?
The minimum entry age is 30 days old and maximum entry age is 70 years old next birthday. However, if you choose expiry age 80, the maximum entry age is 60 years old next birthday.
 
When is the expiry date for this plan?
The certificate will expire when you attain the chosen expiry age, which is 80 or 100 years old next birthday.
 
Who will receive the death benefits upon my death?
You can choose who will receive the benefits upon your death by filling in a Nomination form. Your Certificate will state whether you have already nominated a person to receive the benefits. If you have not nominated anyone, please complete the Nomination form which can be obtained from our head office and send it to us immediately.
 
How do you make payment for TPD and OAD benefits?
We will pay TPD and OAD benefits after 6 months of regular medical attendance and with the provision that you are not able to recover thereafter. The basic Sum Covered will be payable 6 months from the time of incidence of TPD and OAD. For Presumptive TPD, the benefit will be payable immediately.
 
Can I cancel my certificate?
Participating in i-Care Rahmat involves a long-term financial commitment. It is not advisable to hold this certificate for a short period of time in view of the high initial costs. If you find that the fund that you have chosen is no longer appropriate, you have the flexibility to switch fund. You are allowed to switch fund anytime you want without any imposed charge.
Frequently Asked Question for Medi-Auni
 
What is this plan about?
Medi-Auni is a unit deducting individual hospital and surgical takaful rider that provides long term medical coverage up to age 100 (subject to the basic certificate term) with different options of deductible amount prior to and after attaining the retirement age of 60 years old.
 
Who is eligible for Medi-Auni?
Medi-Auni is available to individuals aged between 30 days and 70 years old.
 
What are the deductible options available?
The deductible options available are as follow:
Option Pre-retirement Deductible (RM) Post-retirementDeductible (RM)
1 0 0
2 20,000 5,000
3 20,000 20,000
4 20,000 0
 
How long can I be covered?
This rider provides coverage until age 100 next birthday or up to the end of the basic certificate term, whichever is earlier.
 
How many plans that are available?
Medi-Auni offers 3 plans. You may refer Schedule of benefits for Medi-Auni for more details (Appendix II).

For more information :
Please contact HLM Takaful directly at (603) 7650 1800 or
Email us at ReachUs@takaful.hongleong.com.my

For claims enquiry :
Email us at Claims@takaful.hongleong.com.my

Level 5, Tower B, PJ City Development,
No.15A, Jalan 219, Seksyen 51A,
46100 Petaling Jaya, Selangor
Tel: (603) 7650 1800
Fax: (603) 7620 6730