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Family Takaful
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Takaful Puteri (TP)
Takaful Puteri Plus - TakafulLink riders for women
This is an exclusively designed rider for women, which can be attached to your TakafulLink Plan. With Takaful Puteri and Takaful Puteri Plus, you can be protected against the financial impact of expensive treatment in relation to female-related illnesses.
BRIEF SUMMARY
Eligibility 19 – 60 years old (TP), 19 – 40 years old (TPP)
Type TakafulLink add-on
Protection Against female-related illnesses
Availability Agency
Here are some frequently asked questions to help you understand our product better.
 

How does the Takaful Puteri rider work for me?

 

Takaful Puteri is a unique rider designed to provide you with protection against financial impact arising from female illnesses that can be attached to your TakafulLink plan. This gives you more comprehensive coverage and flexibility to protect your special needs.

The Takaful Puteri rider is available in two plans:

  • Takaful Puteri: Provides you protection against many female-related illnesses
  • Takaful Puteri Plus: Designed to you COMPLETE protection and much more. Apart from female-related illnesses, it also covers pregnancy complications and infant congenital illnesses

 

 

Am I eligible to take up this rider?

 

Any existing participant of the TakafulLink Plan can take up the rider based on their protection requirement.

Takaful Puteri Takaful Puteri Plus
  • Entry age between 19 and 60 years old next birthday
  • Entry age between 19 and 40 years old next birthday
  • If you choose to receive protection up to 60 years old, your age must be between 19 and 50 years old
  • Mother Care Benefits is payable only up to age 50
  • Benefit terms up to 60, 70 or 80 years old
  • Benefit terms up to 60, 70 or 80 years old

 

What are the Benefits that I will receive?

 

We have multiple plans which you can choose that meet your special needs.

Takaful Puteri and Takaful Puteri Plus Plan 1 Plan 2 Plan 3
Lifetime Sum Covered* 50,000 100,000 150,000

* Each claim reduces the lifetime limit. When the lifetime limit is exhausted, the Takaful Puteri rider ceases.

Benefits Takaful Puteri Takaful Puteri Plus
Lady Care Benefit
(A)
Female Related Cancer / Systemic Lupus Erythematosus (SLE) with Lupus Nephritis

Cancer of Breast, Cervix Uteri, Fallopian Tubes, Ovary, Uterus, and Vagina/Vulva OR Systemic Lupus Erythematosus with Lupus Nephritis
100% of Lifetime Sum Covered
(B)
Carcinoma-In-Situ of Breast or Cervix Uteri

When subsequently diagnosed with female related cancer or Systemic Lupus Erythematosus with Lupus Nephritis, we will pay the balance of 70% of the Lifetime Sum Covered
30% of Lifetime Sum Covered
(C)
Cover for any of the events below

  • Rheumatoid Arthritis with Complications
  • Facial Reconstructive Surgery due to Accident
  • Skin Grafting due to Burn
  • Skin Grafting due to Skin Cancer
  • Osteoporotic Fracture of the hip / vertebra
  • Breast Reconstructive Surgery due to Breast Cancer
30% of Lifetime Sum Covered
Mother Care Benefit
(A)
Pregnancy Complications

  • Disseminated Intravascular Coagulation (after 7 months of pregnancy)
  • Ectopic Pregnancy
  • Hydatidiform Mole
  • Late Miscarriage (from day 126 to day 196 of pregnancy)
  • Death of Foetus (after 196 days of pregnancy)
  • Death of Child (within 30 days after birth)
Not Available RM10,000
(B)
Infant Congenital Illnesses

  • Down's Syndrome
  • Ventricular Septal Defect
  • Atrial Septal Defect
  • Spina Bifida
  • Cleft Palate with Lupus Nephritis
Not Available RM20,000

Notes:

  • Lady Care Benefit: Can be claimed only once in the lifetime of the Participant
  • Mother Care Benefit: Can be claimed only once in the lifetime of the Participant. Claimable only one year from the date of Takaful Certificate or the date of revival (for a lapsed certificate)
  • Infant Congenital Illnesses: Can be claimed provided the child survives more than 30 days after birth and is diagnosed within 2 years after delivery

 

 

What are the Charges?

 

Risk Management Charge comprising 30% of Gross Tabarru' will be deducted monthly. This is the charge for risk management of the Tabarru' Fund.

* The fees and charges may vary from time to time with a 90-day notice given

 

What is meant by Surplus Sharing?

 

Every participant is entitled to share the underwriting surplus and investment profit, if any. Underwriting surplus arising from the Tabarru' Fund will be distributed to the participants by crediting back to their ISA and buying additional units in PUA while investment profit will be shared between the participants and the company at a 70:30 ratio.

 

What are the Exclusions?

 

The standard exclusions are:

Female Illnesses Benefits

  • Self-inflicted injury
  • War, riot, strike or civil commotion
  • AIDS or the presence of any HIV infection
  • Alcohol or substance abuse/addiction
  • Any violation or attempted violation of the law or resistance to arrest
  • Any elective surgery, cosmetic or plastic surgery (unless necessitated by accidental injury or illness)
  • Professional sports, racing of any kind, scuba diving, aerial sport activities and any hazardous activities or sports

Those applicable to Pregnancy Complication and Infant Congenital Illnesses only
  • Any pregnancy resulting from fertility treatment, including in-vitro fertilisation
  • Elective termination of pregnancy other than for medical reasons

 

 

What is the Survival Period?

 

The benefits will only be payable provided:

  • Participant is still alive 30 days after the diagnosis of the illness under Lady Care Benefit or 1st Category of Mother Care Benefit
  • Participant's Child is still alive 30 days after the diagnosis of the illness under 2nd Category of Mother Care Benefit

 

What is the Waiting Period?

 

Takaful Puteri will only be payable on the first occurrence of the respective event and the symptoms first appear after the waiting period as stipulated in table below. The waiting period commences from the date of Takaful certificate documents or the date of revival (for a lapsed certificate).

Condition Waiting Period
Female related cancer 60 days
Systemic Lupus Erythematosus with Lupus Nephritis 30 days
Carcinoma-In-Situ of Breast or Cervix Uteri 120 days
Rheumatoid Arthritis with Complications Not Applicable
Breast Reconstructive Surgery due to Breast Cancer 60 days
Facial Reconstructive Surgery due to Accident Not Applicable
Skin Grafting due to Skin Cancer 60 days
Skin Grafting due to Burn Not Applicable
Osteoporotic Fracture of the hip / vertebra 30 days

Click here for a Glossary of Female Illnesses.

Glossary of Female Illnesses
We have included a brief description of some of the conditions covered to provide you with a clearer understanding of these illnesses. These definitions are only a brief illustration.
For more detailed information, please refer to the certificate document.
Nephritis
  • Systemic Lupus Erythematosus With Lupus Nephritis
    A disease in which the body produces antibodies that destroy its collagen system (i.e. skin, bone, ligaments and cartilages). Cover is restricted to those forms that involve the kidneys.
  • Carcinoma-in-situ Of Breast Or Cervix Uteri
    A pre-cancerous condition in which the cancer is localised in the breast/cervix uteri and it has not spread to other parts of the body.
  • Disseminated Intravascular Coagulation
    A blood disorder with life-threatening bleeding/clotting. It requires treatment with plasma and platelets. Cover is only provided if the condition arises after 7 months of pregnancy.
  • Ectopic Pregnancy
    Pregnancy occurring outside uterus (womb).
Condition
  • Down's Syndrome
    A genetic disorder describing children born with distinctive physical features and special requirements
  • Ventricular Septal Defect
    A congenital heart disease (present at birth) that involves a hole in the partition between left and right lower chambers of the heart.
  • Atrial Septal Defect
    A congenital heart disease that involves a hole in the partition between the left and right chambers of the heart
  • Spina Bifida
    An opening in the backbone seen at birth, caused by lack of union in the vertebrae. It results in nerve problems to the lower part of the body (pelvis and legs).
  • Cleft Palate
    A congenital fissure of the palate often associated with the left lip. Payment will only be made for those cases with cleft palate, or cleft palate and cleft lip. Claims for those with cleft lip alone will not be admitted.

 

 
Note: This is a brief product description only. For exact details of terms and conditions, please refer to your certificate document.

You should satisfy yourself that this product will serve your needs and that the contribution payable under the certificate is an amount you can afford.