Pelan Takafulink Cerdik

Give the proper education for your childrenA strong education is the most valuable gift that you can give to your children. However, the increasing education cost in University and life journey that is hard to predict force us to put a side a provision to ensure your children’s education will not be affected.

By choosing Takafulink Cerdik, you will be confident that you have already provided them an everlasting whole life gift. There is no other plan that is as complete or as simple as Takafulink Cerdik. That is the reason why this plan is the right plan for you and your children.

How Does the Takafulink Plan Work for Me?
 

Protect The Education and Well Being Of Your Children Future

Takafulink Cerdik Plan is a fixed contribution investment link plan that matured when your children’s ages reach 25 years old. This plan does not only give protection for the education and well-being of your children, it is also flexible enough to suit you and your children ever changing needs.Now you can give your children two most valuable gifts – education and protection – in one innovative combination of a unique plan.

Basic Benefits Death
The sum covered and the remaining value in Participant’s Unit Account (PUA)*, Individual Special Account (ISA)** and Investment Unit Account (IUA)*** will be paid should death occur.

*PUA is the account where units are allocated, depending on the amount of linkedcontribution paid and surplus and/or profit arising.

**ISA is the account where supplementary benefit contributions and surplus and/or profit arising shall be paid.

***IUA is the unitized account where Takaful Saver supplementary benefit contribution allocated.

Total and Permanent Disability (TPD)
The sum covered will be paid should TPD occur before the age of 25 while the units in your PUA, IUA and the value in your ISA will remain in your account. Should the child die or suffer from TPD before the age of 5, the proportion of the Sum Covered that shall be paid are as follows:

Age 1 = 20%
Age 2 = 40%
Age 3 = 60%
Age 4 = 80%
Age 5 = 100%

Optional & Supplementary Benefits
Accidental Death and Disablement:
Accident benefits to supplement your main protection plan.
Medical Cover:
In the event of hospitalisation due to illness or injury, fixed cash payments will be given for Hospitalisation Assistance, Intensive Care Assistance and Surgical Procedure Assistance.
Major Medical Cover:
Provides medical cover for Hospital and Surgical and Outpatient Treatment Benefits in the event of hospitalisation or out-patient treatment due to illness or injury. This also includes Emergency Medical Assistance.
Hospital Benefit:
Provides daily cash assistance in the event of hospitalisation.
Disability Provider:
Benefit payable annually in the event of TPD or critical illness before age 25.
Crisis Shield:
Provides protection against a critical illness, ready for when you need it most.
Contributor:
Pays an annual benefit in the event of critical illness. Payment will cease upon death of participant.
Parent Contributor:
In the event of death, TPD before age 60 or diagnosis of critical illness on theparent of participant, the benefit will assist the participant with future contributionsto the Takaful plan. Payment of annual benefit will cease upon death of participant or upon reaching age 25.
Takaful Saver :
A regular contribution investment-linked rider for investment purposes only, where the contributionswill be used to purchase units in the Investment UnitAccount (IUA). For takaful terms of less than or equal to 20 years, the Takaful Saver rider attachment is made compulsory at a 1:1 ratio to the basic plan.
Takaful Saver Contributor :
Pays Takaful Saver contribution in the event of illness of participant.
Takaful Saver Parent Contributor :
Pays Takaful Saver contribution in the event of death, total and permanent disability before the age of 60, or diagnosis of critical illness on parent of participant.
Who can take up Takafulink Cerdik Plan?Anyone who have children age between 1 and 15 years old can take up the plan. Parents own the certificate and they will match the plan for the benefits of their children.

How do I start?
First, determine your children protection needs, such as their basic cover and other optional and supplemental benefits. Then, decide on an affordable amount to set aside every month. With the Takafulink Plan, you can start protecting your children health and financial future for as little as RM3.33 a day.

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