MAA Takaful Riders

Takafulink Series 2
13

5. RIDERS DESCRIPTION

Riders Rider Code Benefit Description
1. Critical Illness
46 Super Rider
MT46S

1. This rider provides additional lump sum coverage in the event that the Person Covered
dies or sustains Total & Permanent Disability or diagnosed to be suffering from dread
disease except Carcinoma in situ without affecting your basic certificates death and total &
permanent disability benefit. It covers 46 types of diseases/treatments. A portion or 100% of
the sum covered of MT46S will be payable on first diagnosed of dread disease.

2. The following diseases/treatments are payable according to the stipulated % as per below;
Balloon Angioplasty 10% payable
Coronary Artery Laser/other Invasive Coronary Procedure 10% payable
The MT46S Sum Covered will be reduced accordingly & payable in the event of future Dread
Disease.

3. Refer to Appendix 6 for descriptions of the 46 Dread Diseases covered under this plan

2. Critical Illness
46 Plus Rider
MT46P

1. This rider is accelerated on the BASIC certificate. It covers 46 types of
diseases/treatments. 100% of the sum covered of MT46P will be payable on first diagnosis of a
dread disease including all cancer disease except Carcinoma in situ.

2. The following diseases/treatments are payable according to the stipulated % as per below;

The Basic & MT46P Sum Covered will be reduced accordingly & payable in the event of future
Dread Disease.

3. Refer to Appendix 6 for descriptions of the 46 Dread Diseases covered under this plan

Takafulink Series 2

14


3. Khusus
Protection -
Compulsory
Rider For
Takafulink Hajj

MTKP

Funeral Expense (Khairat Kematian) of RM2,000. This benefits is payable within 24 hours of presentation
of claim supported by certified copy of Police Report and Death Certificate.
Upon full approval of death claim, an additional benefit of RM 5,000 is payable on death, where the
beneficiary has an option to use the benefit for the purpose of:
a. Repatriation Benefit Transportation of the body or mortal remains of the person covered back to
Malaysia.
b. Ziarah Cost incurred in funeral/flight/hotel etc. for person covereds family to arrange for funeral
expense outside Malaysia.
c. Other purposes.
4. Ziarah
Protection
MTZP a. 100% of your choice of Rider Sum Covered is payable in the event of Accidental Death or Total and
Permanent Disability. (Max RM 100,000)
b. 200% of the Rider Sum covered is payable if Accidental Death or Total and Permanent Disability
occurs in Saudi Arabia (Max RM200,000)
c. In order to enjoy this benefit, you need to attach together with the MTKP rider in the same basic
plan.
5. Payor Benefit -
Compulsory
Rider
For Takafulink
Education
xxMTPB

xx=8 to 25
years term
A Payor Benefit Rider allow waiver of contribution in the event the contributor dies, becomes totally and
permanently disabled or is diagnosed from any 46 dread diseases. Therefore, you can rest assured that
if anything happens to the contributor, the person covered would continue to receive all benefits of the
certificate and the intended amount will still be available for the named beneficiary(s).

MTPB maximum term calculation:
Entry Age Example
If Person Covered aged 0-15 (Juvenile)
Entry Age : 15 Years Old
Payor Age : 52 Years Old
i) 25 (person covered age) OR
ii) 65 (payor age) Whichever is lower;
i) 25 (15) = 10 OR
ii) 65 (52) = 13
Thus, maximum term of MTPB = 10
If Person Covered aged 16 and above
(Adult)
Entry Age : 20 Years Old
Payor Age : 50 Years Old
i) 65 (person covered age) OR
ii) 65 (payor age) Whichever is lower;
i) 65 (20) = 45 OR
ii) 65 (50) =15
Thus, maximum term of MTPB = 15
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Riders Rider Code Benefits Descriptions Coverage
Waiting
Period
6. Wanita Illness

- Compulsory
Rider For Takafulink
Wanita

*Each admitted
claim under this
rider is payable
once only except
for benefit on
reimbursement
basis

MTWI 1. Female Yearly Medical
Check-Up.
Annual Female Medical Check-up including:
i. Blood Test
ii. Pap Smear
iii. Mammogram
iv. Abdomen/Pelvis Ultrasound
Reimbursement
or Maximum of
RM 100

120 days
2. Female
Cancers(Breast, Cervix
Uteri, Fallopian Tube,
Ovary, Uterus,
Vagina/Vulva)
An uncontrollable growth and spread of
malignant cells, which has result in the
invasion and destruction of normal tissue.
100% RSC,
Max.
RM500,000
120 days
3. Female Carcinoma-in
situ (Breast and Cervix
Uteri)
Early stage cancer that is confined to its
original location. Premalignant neoplasm
that has not invaded the basement
membrane but shows characteristics of
cancer.
30% RSC,
Max. RM50,000
120 days
4. Systemic Lupus
Erythematosus (SLE)
With Lupus Nephritis
A disease in which the body produces
antibodies that destroys its collagen system.
Coverage is restricted to those forms that
involve the kidneys.
100% RSC,
Max.
RM500,000
30 days
5. High Grade Squamous
Intraepithelial Lesion
(HSIL) With Severe
Dysplasia
Premalignant of the cervix. Coverage of CIN
111
30% RSC,
Max. RM50,000
120 days
6. Fibroid
(Reimbursement
Basis)
A benign abnormal growth of the muscle
wall of the uterus.
30% RSC,
Max. RM50,000
120 days
7. Ovarian Cyst
(Reimbursement
Basis)
Sacs filled with fluid or semi-solid material
that forms in the ovaries or on their surface.
30% RSC,
Max. RM50,000
120 days


Takafulink Series 2

16

Riders Rider Code Benefits Descriptions Coverage
Waiting
Period
Wanita Illness

- Compulsory
Rider For
Takafulink Wanita

*Each admitted
claim under this
rider is payable
once only except
for benefit on
reimbursement
basis

MTWI 8. Facial
Reconstructive
Surgery (above the
neck) Due To
Accident
(Reimbursement
Basis)
Treatment of facial disfigurement being a direct
result of an accident requiring inpatient
treatment and subsequently the performance of
such surgery. The surgery must get opinion of
the companys medical adviser if such treatment
is necessary.
30% RSC,
Max.
RM50,000
30 days

9. Breast
Reconstructive
Surgery Due To
Accident and
Cancer
(Reimbursement
Basis)
Plastic or reconstruction of the breast
performance by registered surgeon after an
accident or mastectomy following diagnosis of
invasive breast cancer.

Cosmetic breast surgery is EXCLUDED.
30% RSC,
Max RM50,000
30 days

10. Skin Grafting Due
To Burns and Skin
Cancer
(Reimbursement
Basis)
SKIN CANCER: A malignant tumour
characterized by the uncontrolled growth and
spread if malignant cells and the invasion if
tissue. This excludes non-invasion cancers in
situ and tumours in the presence of any human
Immunodeficiency Virus.
Metastatic skin cancer is EXCLUDED
SKIN GRAFTING DUE TO BURN: Accidental
burning (3 rd degree) affecting at least 10% of
the body surface area.
Correction of facial disfigurement is
EXCLUDED.
30% RSC,
Max RM50,000
30 days
(burns)
120 days
(cancer)
11. Fractures Due To
Osteoporosis
Disorder in which the bones become
increasingly porous, brittle and subject to
fracture
30% RSC,
Max RM20,000
30 days
12. Rheumatoid
Arthritis with
Complication
Chronic auto immune disease characterized by
inflammation and progressive deformity of the
joints.
30% RSC,
Max RM20,000
30 days

Takafulink Series 2

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Riders Rider Code
Benefits Descriptions Coverage
Waiting
Period
7. Wanita
Maternity
Protection
(MTMP)

*In order to enjoy
this benefit, you
need to attach
together with the
MTWI rider in the
same basic plan

*Each admitted
claim under this
rider is payable
once only.

MTMP 1. Newborn Allowance Maximum 3 childbirths and is only for children
that survive at least 30 days
1% of RSC
Max. RM500
Effective
the 2
nd

Certificate
Year
onwards
2. Hospitalisation
Benefit Due To
Complication
Arising From
Pregnancy
A daily cash allowance for each full day of
Hospital Confinement should the person covered
be diagnosed of the following illnesses :-
(a) Disseminated Intravascular Coagulation
(b) Ectopic Pregnancy
(c) Hydatidiform Mole (Molar Pregnancy)
(d) Still Birth
(e) Neonatal Death ; or
(f) Eclampsia

(Refer the following page 17 for illnesses
description)
RM200 Per
Day
(Max. 7 Days)

120 days
3. Death Due To
Childbirth
The death of the person covered as a direct
result of complications of giving birth.
The following are EXCLUDED :
(a) Any death due to child birth took place
within 120 days of the issue Date or
reinstatement date of the rider whichever is
later;
(b) Death due to suicide;
(c) Death occurring during the first one hundred
and sixty-eight (168) days of pregnancy;
(d) Death occurring more than thirty (30) days
after the delivery.
200% RSC,
Max.
RM600,000
120 days

Takafulink Series 2

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Riders Rider Code
Waiting
Period
Wanita
Maternity
Protection
(MTMP)

*Each admitted
claim under this
rider is payable
once only.

MTMP 4. Infant Congenital
Illnesses
i. Downs
Syndrome

ii. Spina Bifida

iii. Tetralogy Of
Fallot

Known as chromosome abnormality in the baby.
There is an extra chromosome, 47 instead of
the normal 46.
(Any child(ren) born within 30 days of the Issue
Date/reinstatement date, whichever is later is
not covered under this benefit. Only for children
survive at least 30 days)

Commonly known as an exposure in the spinal
cord of the baby. (Any child(ren) born within
120 days of the issued date or reinstatement
date, whichever is later is not covered under
this benefits. Only for children survive at least
30 days)

An anatomic abnormality with a combination
of:-
(a) Severe or total right ventricular outflow
tract obstruction;
(b) A ventricular septal defect;
(c) Dextroposition of the aorta with septal
override:
(d) Right ventricular hypertrophy

(Any child(ren) born within 120 days of the
issued date or reinstatement date, whichever is
later is not covered under this benefits. Only for
children survive at least 30 days)

30% RSC,
(Max. 50,000)

30% RSC,
(Max. 50,000)

30% RSC,
(Max. 50,000)

30 days

120 days

120 days

Takafulink Series 2

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Riders Rider Code
Waiting
Period
Wanita
Maternity
Protection
(MTMP)

*In order to enjoy
this benefit, you
need to attach
together with the
MTWI rider in the
same basic plan

*Each admitted
claim under this
rider is payable
once only.

MTMP Infant Congenital
illnesses
iv. Transposition of
Great Vessels

The condition in which the aorta rises from the
right ventricle and the pulmonary artery rises
from the left ventricle.

This benefit is only for children that survive at
least 30 days (Any child(ren) born within 120
days of the issued date or reinstatement date,
whichever is later is not covered under this
benefits.)

30 % RSC
(Max.
RM50,000)

120 days
v. Atrial Septal
Defect

An abnormal opening in the atria septum that
allows free communication of blood between the
right and left atria.

This benefits is only for children that survive at
benefits.)

30 % RSC
(Max.
RM50,000)
120 days
vi. Ventricular
Septal Defect
An abnormal opening in the ventricular septum
permitting the free circulation of blood from the
left side of the heart to the right side.

This benefits is only for children that survive at
benefits.

30 % RSC
(Max.
RM50,000)
120 days

Takafulink Series 2

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Riders Rider Code
Waiting
Period
8. Golden
Wanita
Protection
(MTGW)

*In order to enjoy
this benefit, you
need to attach
together with the
MTWI rider in the
same basic plan

MTGW Loss of Independence
Existence :

Activities of Daily Living
a. Transfer

b. Mobility

c. Continence

d. Dressing

e. Bathing/ Washing

f. Eating

A permanent inability (lasting for a minimum of
six (6) months) to perform at least three (3) of
the Activities of Daily Living.

Getting in and out of a chair without requiring
any physical assistance.

The ability to move from room to room without
requiring any physical assistance.

The ability to control bowel and bladder
functions

Putting on and taking off all necessary items of
clothing without requiring assistance of another
person

The ability to wash in the bath or shower

All tasks of getting food into the body once it
has been prepared

100% of RSC Nil

Takafulink Series 2

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9. Waiver on
Contribution
Dread
Disease

MTWD46 a. This rider provides for the waiver of contribution of the basic certificate when the person covered
is diagnosed to be suffering from any of the 46 dread diseases covered by the MT46P / MT46S.
b. The rider may be added to Takafulink plan regardless whether MT46P / MT46S is attached or not
and NOT exceeding RM500,000 sum covered. The balance of basic sum covered, if any, can be
continued by paying the contribution.
c. For the following diseases/treatments, the basic contribution will be waived according to the
stipulated % per below;

HIV by Blood Transfusion 50% payable
Occupationally Acquired HIV Infection 50% payable
Full Blown AIDS 50% payable

* Subject to a maximum of RM25,000 claims payable

Takafulink Series 2

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10. Hospital
Benefit

MTHBR2

1. The rider provides the customer a daily income benefit when they are admitted to the hospital.
The rider provides coverage up to age 70 years old. The benefit will be paid for the period during
which the Person Covered is hospitalized and for not more than 120 days per contract year.

Plan Benefits
Upon acceptance Proof of Hospitalisation, the Takaful Operator will pay:
Hospitalisation in Government
Hospitals and government licensed
private hospitals in Singapore, Malaysia
and Brunei.
Purchased Daily Benefit for period of
Hospitalisation.

Hospitalisation in Hospitals other than
those stated above.

50% of the Purchased Daily Benefit for period of
Hospitalisation.

11. Hospital &
Surgical
Benefit

MTHSR

1. The rider provides coverage based on period of confinement to a licensed hospital due to illness
or injury occurring more than 30 days after the issue date or date of reinstatement. The
maximum amount payable for in-patient will not exceed 120 days per annum, subject to an
overall Lifetime Limit of 500 times the Daily Benefit.

Plan Benefits
Upon acceptance Proof of Hospitalisation, the Takaful Operator will pay:
a. Surgeon Fee Reimbursement of the reasonable and customary charges for a
Medically Necessary surgical procedure by a
Surgeon/Specialist.
b. Anaesthetist Fee Reimbursement of the charges by the Anaesthetist for the
Medically Necessary administration of anaesthesia.
c. Operating Theatre Fee Reimbursement of the charges for the operating theatre cost
for surgical operations performed.
Note: If more than one (1) surgery is performed for any one (1) Disability, the total payments for all the
surgeries performed shall not exceed 500 times of the Daily Benefit.

Takafulink Series 2

23


12. Improved
Accident
Indemnity 2

MTIAI2 This rider provides a comprehensive coverage for death or injuries resulting within 365 days from an
accident.

Plan Benefits

1. Death & Dismemberment
When as a result of an accident the person covered suffers from any losses within 90 days, benefits
shall be paid accordingly.

Refer to Appendix 8 for a Table of Dismemberment covered under this plan

2. Temporary Disability Indemnity
(provided no loss under 1)

a. Total Temporary Disability 1% x Sum Covered x Day of MC / 7 Days
b. Partial Disability 0.5% x Sum Covered x Day of MC / 7 Days

Disability of less than one week is NOT indemnification. (Maximum 52 weeks)

3. Permanent Disability Indemnity (TPD Indemnity)

Total, Permanent and Continuous Disability 10% per annum on
certificate anniversaries
following date of accident
4. Medical Expenses
Payable only if such medical or surgical treatment is furnished by a qualified Medical Practitioner
within 104 weeks after the date of accident.

Medical Expenses Limit RM50/RM1000 x sum covered
per accident up to a
maximum of RM10,000 per accident

Proof of claims must be submitted together with original medical bills.
Takafulink Series 2

24

5. RIDER DESCRIPTION

Improved
Accident
Indemnity 2

MTIAI2 This rider provides a comprehensive coverage for death or injuries resulting within 365 days from an
accident.

Plan Benefits

5.Double Indemnity
Benefits 1 & 3 will be doubled if loss is sustained when;

a. The person covered is a passenger within any mechanically propelled non-aerial public
conveyance over an established land route.
b. The person covered is in an elevator car. (Elevators in mines and construction site excluded)
c. Result of the burning of theatre, hotel or other public building in which the person covered
shall be at the commencement of the fire.

Note:
1. For any one accident, only 1 claim from benefits 1, 3 or 5 is payable PLUS benefits 2 & 4.
However the claims payable under benefits 2 & 4 must not exceed the Basic Sum Covered.
2. The claims under Benefit 1 are not payable if the Disability under Benefit 2 is less than 7
DAYS.
13. Juvenile
Critical
Illness
Protection
MTJCI Accelerated from the BASIC certificate. It covers 8 types of juvenile diseases/ treatments. 100% of
the sum person covered of MTJCI will be payable on first diagnosis of dread disease (EXCEPT FOR A
JUVENILE LIEN).

1. An optional rider.
2. Juvenile Critical Illness Coverage: (refer to the Appendix 8 for a full description)
a. Severe Asthma
b. Leukaemia
c. Bone Marrow Transplant
d. Insulin-dependent Diabetes
e. Rheumatic Fever with Valvular Impairment
f. Kawasaki Disease with Heart Complication
g. Intellectual Impairment due to accident or sickness
h. Glomerulonephritis with Nephrotic Syndrome
Takafulink Series 2

25


14. SmartMedic
100

SMR10x This rider provides a comprehensive medical coverage with a guaranteed hospital admission and
takes care of your medical bills upon discharge at our panel hospitals.
Plan Benefits
Plan 1
(RM)
Plan 2
(RM)
Plan 3
(RM)
Plan 4
(RM)
ANNUAL LIMIT 50,000 100,000 150,000 200,000
LIFETIME LIMIT 150,000 300,000 450,000 600,000
Hospital Benefits
Hospital Room & Board (max 200 days
per annum)
150 200 300 450
Intensive Care unit (max 60 days per
annum)
As Charged
Hospital Supplies & Services
Surgical Fees
Anaesthetists Fees
Operating Theatre
Pre-Hospital Diagnostic Test
(within 60 days prior to admission)
Pre- Hospital Specialist Consultation
(within 60 days prior to admission)
In-Hospital physician Visit
(max. 200 days per annum)
Post Hospitalisation Treatment
(within 31 days from discharge)

Takafulink Series 2

26


SmartMedic
100

SMR10x
x:1,2,3 or 4
This rider provides a comprehensive medical coverage with a guaranteed hospital admission and
takes care of your medical bills upon discharge at our panel hospitals.
Plan Benefits
Out Patient Benefits
Emergency Accidental Outpatient
Treatment
(within 24 hours and follow up treatment
to a max. of 31 days)
As Charged
Out-Patient Physiotherapy Treatment
(within 90 days from discharge/ surgery)
Ambulance Fees 300 400 500 750
Out- Patient Kidney Dialysis Treatment
(per annum)
12,000 18,000 25,000 35,000
Out-patient Cancer Treatment (per
annum)
12,000 18,000 25,000 35,000
Other Benefits
Daily Cash Allowance at Government
Hospital
(max. 200 days per annum)
50 60 75 85
Home Nursing Care (max. per disability) 500 750 1,000 1,500
Person Covered Childs Daily Guardian
Benefit
(max. per disability)
200 250 300 400
Medical report Fees 80 80 100 100
Government Service Tax As Charged

Takafulink Series 2

27


15. Waiver of
Takaful Saver
Contribution
on Dread
Disease 46

MTWS46 This rider provides for the waiver of saver contribution when the Person Covered is diagnosed to be
suffering from any one of the 46 dread diseases.

a. This rider provides for the waiver of Takaful Saver contribution of the certificate when the person
covered is diagnosed to be suffering from any of the 46 dread diseases.
b. In order to enjoy this benefit, you need to attach together with the MTWD46 rider in the same
basic plan.
c. For the following diseases/treatments, the basic contribution will be waived according to the


* Subject to a maximum of RM25,000 claims payable.
16. Payor
Benefit for
Takaful Saver

xxMS46
xx = 0825
This rider waives all future saver contributions in the event the Participant dies or becomes totally &
permanently disabled (TPD) or is diagnosed with any one of the 46 dread diseases covered under this
rider prior to the expiration of coverage of xx years or age 65 for TPD.

For the following diseases/treatments, the basic contribution will be waived according to the



Takafulink Series 2

28


17. Spouse
Payor Benefit

xxMJPB
xx = 0825

This rider waives all future contributions in the event of the Participants Spouse dies or becomes
totally & permanently disabled (TPD) or is diagnosed with any one of the 46 dread diseases covered
under this rider prior to the expiration of coverage of xx years or age 65 for TPD.

For the following diseases/treatments, the basic contribution will be waived according to the stipulated
% per below;



18. Spouse
Payor on
Takaful Saver
Benefit

xxMJ46
xx = 0825

Waives all future saver contributions in the event of the Participants Spouse dies or becomes totally &
permanently disabled (TPD) or is diagnosed with any one of the 46 dread diseases covered under this
rider prior to the expiration of coverage of xx years or age 65 for TPD.

a. For the following diseases/treatments, the basic contribution will be waived according to the



Takafulink Series 2

29


19. Family
Benefit
MTFB
This rider will pay a fixed amount of coverage in the event of the death (all causes) of Family
Members of the Person Covered. The amount will be RM2, 000 each and with a total maximum
amount of RM10,000 and limited to only one Spouse and any four children. There will be NO
underwriting requirement.
20. Increasing
Basic Sum
Covered
MTIB Starting from the second certificate year and until maturity, the Basic Sum Covered (BSC) will
increase at a rate of 1% per annum of the initial BSC. This rider is optional to the customer at
the point of inception.

Example:
Participant: Male, Age 30
Contribution: RM100 per month
BSC: RM100,000

With MTIB:
1
st
year BSC: RM100,000
2
nd
year BSC: RM101,000
3
rd
year BSC: RM102,000

Maturity at age 80: [1% x 50 years x RM100,000] + RM100,000
Total BSC at the age of 80 = RM150,000
Takafulink Series 2

30

21. Decreasing
Basic Sum
Covered
MTDB Starting from the second certificate year, the Sum Covered will decrease at a rate of 1% per annum
of the initial Basic Sum Covered. The decreasing pattern will cease once the Sum Covered reaches
50% of the initial Basic Sum Covered. Thereafter, the Basic Sum Covered remains at the 50% level till
maturity. This rider is optional to the customer at the point of inception.

Example:
Participant: Male, Age 30
Contribution: RM100 per month
BSC: RM100,000

With MTDB:
1
st
year BSC: RM100,000
2
nd
year BSC: RM99,000
3
rd
year BSC: RM98,000

Maturity at age 80: RM100,000 - [1% x 50 years x RM100,000]
Total BSC at the age of 80 = RM50,000

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Takafulink Series 2

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