TRAVEL INSURANCE

GET YOURSELF PROTECTED WHILE TRAVELLING

normal_insurance-takaful-ikhlas

CONTRIBUTION

  • 1.       CONTRIBUTION FOR OUTBOUND TRIP

Period of Cover (Days)

ASIA

WORLDWIDE

Self (RM)

Self+ Spouse(RM)

Family (RM)

Self (RM)

Self+ Spouse(RM)

Family (RM)

1

10

15

15

1-5

20

50

60

50

80

100

6-10

60

90

100

90

130

150

11-15

80

120

130

120

180

190

16-22

110

170

190

150

250

270

23-31

150

230

250

220

350

380

Each additional week or part

50

80

100

80

100

120

 

  • 2.       CONTRIBUTION FOR INBOUND TRIP

Period of Cover (Days)

DOMESTIC / INBOUND

Self (RM)

Self+ Spouse(RM)

Family (RM)

1

5

8

10

1-5

15

25

50

6-10

50

70

80

11-15

60

80

100

16-22

70

120

130

23-31

90

150

180

Each additional week or part

30

50

70

 

  • 1.       CONTRIBUTION FOR OUTBOUND TRIP

Period of Cover (Days)

ASIA

WORLDWIDE

Self (RM)

Self+ Spouse(RM)

Family (RM)

Self (RM)

Self+ Spouse(RM)

Family (RM)

1

20

30

30

1-5

40

80

100

80

100

120

6-10

80

110

120

110

150

170

11-15

100

150

160

150

200

210

16-22

130

190

210

180

280

300

23-31

180

250

280

250

380

400

Each additional week or part

70

100

120

100

120

140

 

  • 2.       CONTRIBUTION FOR INBOUND TRIP

 

Period of Cover (Days)

DOMESTIC/INBOUND

Self (RM)

Self+ Spouse(RM)

Family (RM)

1-5

30

50

80

6-10

80

100

110

11-15

80

100

120

16-22

90

140

150

23-31

110

180

200

Each additional week or part

60

80

90

BASIC BENEFITS FOR INBOUND AND OUTBOUND TRIP

BENEFITS

OUTBOUND

INBOUND

SELF

FAMILY

SELF

FAMILY

Accidental Death / Total Permanent Disablement

100,000.00

100,000.00

150,000.00

150,000.00

 

Payable per Individual/ Individual & Spouse

Payable per Family

Payable per Individual/ Individual & Spouse

Payable per Family

Funeral Expenses

5,000.00

12,500.00

4,000.00

8,000.00

Medical Expense Reimbursement

15,000.00

30,000.00

1,000.00

2,000.00

Emergency Medical Evacuation

10,000.00

10,000.00

10,000.00

10,000.00

Follow-up Treatment

5,000.00

10,000.00

1,000.00

2,000.00

Hospital Income (150/day, maximum RM5,000)

150.00

300.00

80.00

200.00

Compassionate Care

3,000.00

3,000.00

1,000.00

3,000.00

Dispatch of Medicine

1,000.00

3,000.00

1,000.00

1,000.00

Loss of Travel Documents

1,000

5,000

1,000

5,000

Loss or Damage of Luggage or Personal Effects

2,000

5,000

2,000

5,000

Travel or Flight Delay

Max 2,000.00

Max 2,000.00

Max 1,000.00

Max 2,000.00

150 per 6 hours

200 per 6 hours

50 per 6 hours

100 per 6 hours

Refund due to liquidation of  Agency

4,500.00

4,500.00

5,000.00

5,000.00

Repatriation

5,000.00

5,000.00

5,000.00

5,000.00

ADDITIONAL & OPTIONAL BENEFITS

Additional Benefits

Self

Family

Payable per Individual/ Individual& Spouse

Payable per Family

Trip Cancellation

10,000.00

30,000.00

Trip Curtailment

10,000.00

20,000.00

Notebook

1,000.00

1,000.00

Luggage delay

300

1,000.00

Missed Departure

1,000.00

3,000.00

Missed Travel Connection

250

1,000.00

Travel Overbooked

250

1,000.00

Additional Costs of Rental Car Return

1,000.00

1,000.00

Personal Liability

1,000,000.00

1,000,000.00

Hijacking

3,000.00

6,000.00

Personal Money

500

1,000.00

Home Care Benefit

1,000.00

1,000.00

.

BENEFITS

OUTBOUND

INBOUND

SELF

FAMILY

SELF

FAMILY

Emergency Medical Evacuation

150,000.00

150,000.00

50,000.00

50,000.00

Repatriation

35,000.00

35,000.00

20,000.00

20,000.00

Note:      Please refer to the table of benefits for death and disablement in the Takaful Certificate contract.

CONTACT

  • info@mimmtravel.com
  • +603-4162 7879
  • +60 11-1029 7879

APPLICATION FORM


FAQ

This Takaful plan provides compensation in the event of injuries, disability or death caused by sudden and unforeseen accident, medical expenses incurred as a result of an accident, travel inconvenience and travel assistance for domestic and overseas trips. This plan can be participated by any individual person for themselves, their spouse and children. 

The family plan is permitted for single trip only and the age limit of child is between 30 days to 21 years. Period of cover is depending on the duration of the trip/ journey.

Tabarru’ – shall mean donation for the purpose of solidarity and cooperation among the Takaful Participants and to be used to help Takaful Participants in times of misfortune. In the context of Takaful IKHLAS, Tabarru’ will be allocated into the Risk Fund. 

Wakalah – shall mean agency. In this context, it refers to a contract between Company and the Takaful Participant where the Takaful Participant authorizes the Company to manage the fund on his/her behalf, which allows the Company to charge a Wakalah fee. 

Note: Please refer to the Takaful Certificate contract for more information.

 

Please refer the table above.

Please refer the table above.

Coverage area

1. Asia – includes Singapore, Thailand, Indonesia, Brunei, Taiwan, South Korea, Hong Kong, Macau, Laos, Vietnam, Japan, Cambodia, India, Sri Lanka, Australia and New Zealand

2. Worldwide includes USA and Canada

3. Domestic/Inbound is defined as Malaysia 

Note:

This Takaful Plan will not cover any loss, injury, damage or legal liability arising directly and indirectly from travel in, to or through any countries listed under Sanction Countries such as Afghanistan, Cuba, Democratic Republic of Congo, Israel, Palestine, Iran, Iraq, Liberia, Sudan and Syria. Subject to minimum Takaful Contribution of RM8.00.

The following charges are applicable: 

What you have to pay in addition to the Takaful Contribution amount :- 

  1. Government Service Tax (GST) (if any) 
  2. Stamp duty : RM10.00

What is included in the Takaful Contribution amount :- Wakalah Fees – 

  1. Commissions : up to 25% of Takaful Contribution 
  2. Management Expenses : 35% of Takaful Contribution

 What you have to pay if you cancel the Takaful Certificate :- Cancellation Fee : RM10.00 

Note: Our charges exclude tax that would be imposed by government and/or the authority in the future (including Goods and Services Tax (GST)). Upon implementation of the GST, we shall be entitled to recover from you in the respect of this Takaful Certificate that is required under the law.

 

Age Limit

  • Age from 18 years old to 80 years old is eligible for enrolment. For family plan, a child must be between 30 days to 21 years old who are primarily dependent upon the Parents for support and maintenance.

Importance of Disclosure

  • You must disclose all material facts that you know or ought to know; otherwise your Takaful Certificate may be invalidated.

Compensation / Indemnity

  • We will pay for compensation on death or injury (Permanent Disablement) in accordance with the “Table of Benefits” attached to the Takaful Certificate. The limit specified in the table shall be the maximum aggregate limit for the respective plan. However for claim such as medical expenses, you are compensated on reimbursement basis on the actual amount incurred subject to the limit specified in the Takaful Certificate. You cannot make multiple claims on medical expenses.

Cash Before Cover

  • It is fundamental and absolute special condition of this Contract of Takaful that the Takaful Contribution due must be paid and received by us before cover commences. If this condition is not complied with then this Takaful Certificate is automatically null and void.
  • You are advised to pay the Takaful Contributions directly to us, either by cash, credit card or cheques (cheques should be made only in the name of the Company).

Surplus

  • At each financial year-end, the Actuary will assess the surplus position of the Risk Fund, to preserve long term sustainability of the fund. The Company will charge a Surplus Administration Charge (SAC) of 50% of the gross distributable surplus arising at the end of the financial year. However, the Company may at its discretion and where appropriate charge the SAC for less than 50% of the gross distributable surplus. Any net distributable surplus arising (after deducting the SAC) from the Risk Fund will be allocated in full (100%) to the Participant. If the amount due to Participant is less than RM30 per Certificate, the amount shall be retained in the Risk Fund. Any deficit in the Risk Fund would be met through an interest free loan (Qard) from the Shareholders’ Fund. Such loan would be a first charge against the future surplus arising from the Risk Fund. If there is a deficit in the Risk Fund due to the Company’s negligence, then it is the responsibility of the Company to ensure that the fund is stable through outright transfer method and not deemed as an advance through the Qard.

This Takaful Certificate does not cover :

  1. death or injury directly or indirectly occasioned by war, invasion, act of foreign enemy, hostilities or warlike operation (whether war be declared or not); daily, seizure, confiscation, destruction, requisition, retention or detention by customs or any other government or public or local authority;
  2. any violation or attempt of violation of laws or resistance to arrest by appropriate authority; any pre-existing condition;
  3. suicide, attempted suicide or any intentional self-inflicted injuries acted upon by the Takaful Participant to him/herself whether sane/insane ;
  4. failure of the Takaful Participant to take reasonable measure to protect, save or recover lost luggage; trip undertaken against the advice of a doctor or when the purpose of a travel was to obtain any form of medical treatment, consultation or advice;
  5. any loss, injury, damage or legal liability arising directly or indirectly from travel in, to or through Afghanistan, Cuba, Democratic Republic of Congo, Iran, Iraq, Liberia, Sudan or Syria;
  • Note:   This list is non-exhaustive. Please refer to the Takaful Certificate contract for the full list of exclusions under this Takaful Certificate.

 

 

 

 

 

You may cancel your Takaful Certificate by giving written notice to us. Upon cancellation, you are entitled to a refund of the pro rata Takaful Contribution for the Period of the Takaful Certificate which has been in force. No refund of Takaful Contribution is allowed if there is a claim under the Takaful Certificate.

It is important that you inform us of any change in your contact details to ensure that all correspondences reach you in a timely manner.

  • Tel: +603-4162 7879
  • Fax: +603-4162 4687
  • Email: info@mimmtravel.com