TAKAFUL
There are plenty of reasons to be happy, especially when travelling. Etiqa’sTripCare 360 Takaful will keep you smiling with our Fast & Easy offerings:
i. Cashless Medical Care
Guarantee Letters provided with just one phone call to our 24/7 hotline so that you can be admitted to hospital without payment.
ii. Loss of Valuables
Get paid up to RM5,000 for loss or damage to your baggage, and theft of personal money & travel documents, simply with a claim via Whatsapp
iii. Travel Delay
Get paid RM100 for a 2-hour flight delay, even without submitting a claim
Plans and Benefits
| Benefits (per any one accident/incident, per trip) | Maximum Sum Covered Per Person | |||
| Domestic | International | |||
| Silver | Gold | Platinum | ||
| Maximum Aggregate Limit of Liability is RM5,000,000 per any one accident/incident. If the aggregate amount of all the benefits payable under this contract exceeds this limit, the benefit payable to each |
||||
| Section A - Death or permanent diability |
||||
|
a. Adult |
50,000 |
100,000 |
300,000 |
500,000 |
| Section B - Medical Expenses | Due to |
Due to accident or illness |
||
| Medical related expenses Maximum per family* |
50,000 125,000 |
100,000 250,000 |
300,000 750,000 |
500,000 1,500,000 |
| Follow-up treatment expenses Maximum per family* |
5,000 12,500 |
5,000 12,500 |
10,000 25,000 |
30,000 75,000 |
| Alternative treatment expenses Maximum per family* |
Not Covered | Not Covered | Not Covered | 1,000 2,500 |
| Compassionate care | Not Covered | 5,000 | ||
| Child care/guard and return of child(ren) | Not Covered | 5,000 | ||
| Daily hospital income/hospital confinement allowance (maximum of 20 days) Maximum per family* |
150 per day 7,500 |
150 per day 7,500 |
250 per day 7,500 |
350 per day 7,500 |
| Section C - Travel Inconveniences | ||||
| Trip Cancellation Maximum per family* |
Not Covered | Not Covered | 20,000 50,000 |
50,000 125,000 |
| Trip Curtailment Maximum per family* |
Not Covered | Not Covered | 20,000 50,000 |
50,000 125,000 |
| Travel delay a. First 2 hours b. Next 6 hours Maximum per family* |
100 - 250 |
100 250 (>1,000) 2,500 |
100 250 (>2,000) 5,000 |
100 250 (>5,000) 12,500 |
| Baggage delay (every 6 hours) Maximum per family* |
500 1,250 |
500 1,250 |
1,000 2,500 |
2,000 5,000 |
| Hijacking Inconvenience (every 24 hours) Maximum per family* |
Not Covered | Not Covered | 250 (>500) 1,250 |
250 (>1,000) 2,500 |
| Section D - Losses or damages to baggage, personal effects, personal money and/or travel documents | ||||
|
Baggage and/or personal effects |
1,000 |
1,000 |
3,000 |
5,000 |
|
Personal money |
Not Covered |
Not Covered |
500 |
1,000 |
|
Travel documents |
Not Covered |
Not Covered |
1,000 |
1,500 |
|
Home care |
500 |
1,000 2,500 |
||
| Section E - Personal liability | ||||
| Personal liability Maximum per family* |
200,000 500,000 |
200,000 500,000 |
1,000,000 2,500,000 |
2,000,000 4,500,000 |
| Section F - Emergency services (benefits are paid under section A or B) | Due to accident only | Due to accident or illness |
||
| Emergency medical evacuation | 500,000 | 500,000 | 1,000,000 | 1,500,000 |
| Repatriation, burial * cremation of mortal remains | 500,000 | 500,000 | 1,000,000 | 1,500,000 |
| Section G - Adventurous activities | ||||
| Only cover accidental death or accidental permanent disability & medical expenses | Not Covered | Optional | Optional | Optional |
Note:
1.Maximum per family* refers a maximum limit payable under “Family Plan” (2.5 times of total individual limit).
2.Please refer to the Product Disclosure Sheet (PDS) or Takaful Certificate for more details on product benefits and exclusions
Section G – Additional Cover for Adventurous Activities
For an additional contribution, you can be covered for the following are activities in the event of death, permanent disability, medical and other expenses:
a) Abseiling
b) Bungee jumping
c) Sky diving
d) Hang-gliding
e) Helicopter rides for sightseeing
f) Hot air ballooning
g) Ultra-marathons
h) Water sports - Jet skiing, rowing, yachting, parasailing, surfing, windsurfing (boardsailing)
i) Mountaineering on mountains below the height of 3,000 metres above sea level necessitating the use of ropes and other climbing equipment
j) Rock climbing necessitating the use of rope sand other climbing equipment
k) Skiing or snowboarding all within official approved areas of a ski resort
l) Canoeing or white water rafting with a qualified guide and up to Grade 3 (of International Scale of River Difficulty)
m) Underwater activities involving artificial breathing apparatus for diving up to a maximum depth of 30 metres with a qualified diving instructor and with recognised diving certification
Note:
Provided always that the above activities are done on an amateur basis and for leisure purpose with a licensed operator during the journey.