Medical and Health
The type of Takaful schemes offered under the Medical and Health Takaful Class are as follows:
Subject Matter Covered
• As Syifa’
• Student Care
• Group Hospital and Surgical Benefits
Extension of Cover
Extension of cover for all the Medical and Health Takaful schemes can be arranged and granted subject to underwriting and TBA’s approval.
Products
As Syifa’ (Medical)
This plan provides the benefits of Takaful in the form of financial assistance if the person is destined Insured dies or suffers disability (disability) to remain members of the body, whether by accident or disease. The plan also provides benefits in the form of reimbursement Takaful costs incurred by the participants to undergo a medical treatment either due to illness or accident.
The period of Takaful schemes flat-stripping is one year and may be renewed when his term expires.
Objectives
- Provision of financial benefit in the event of illness or bodily injury.
- Assurance in reimbursement of the cost of hospitalization and surgery incurred.
- As a measure to ensure that the insured¡¯s welfare and interest are well managed and properly guarded.
Eligible
Individual
The person eligible for Takaful coverage shall be 18 to 50 years of age at next birthday and renewable till the age of Sixty five (65) years of age subject to renewal assessment.
Dependants
All dependants of the participant shall mean the unmarried and unemployed children who are over 6 months of age but have not reached their 19th birthday and in case of children pursuing full time higher education up to age 25 years.
Student Care Takaful
This plan provided reimbursement of medical expenses to participant in the event of undergoing medical treatment due to illness or accident. This plan provides 24 hours worldwide coverage excluding United States America, Canada and Caribbean.
This plan provides participant with travel benefit from Brunei Darussalam to country of study and vice versa.
This plan provides Death and Total Permanent Disablement benefit due to Accident.
This plan provides additional Death and Total Permanent Disablement benefit for Member of International SOS Pte Ltd 24 hours Emergency Assistance Services.
Group Hospital and Surgical Benefits
Offering Hospital & Surgical benefits as an employee benefit is one of the simplest and most effective steps organisations can take to reward and attract talent. Health benefits can also deliver a range of benefits, such as increasing productivity, boosting morale, and helping shape a positive organisational culture.
This plan provides company employees coverage for medical expenses in the event that they undergo medical treatment due to illness or accident. The employer also has the option to extend the coverage to the employees’ spouse and children.