Takaful SeniorGold

Making sure your retirement years are worry free

You've worked hard all your life to provide a comfortable life for your loved ones. Now, it is time to reap the fruits of
your labour and enjoy.
English
  Why should I choose this plan?

Guaranteed Acceptance
No medical underwriting is required prior to purchase of the plan.

Renewable Up To Age 90 Years

Participants may renew their plan coverage up to age 90 years.

Affordable Contribution
Participants may elect to obtain takaful coverage at RM50 per unit, up to a maximum of 10 units.
Up To 5x Basic Sum Covered For Accidental Death
Depending on the participant's attained age, the accidental death payout is up to 5 times of the certificate's basic
sum covered.

Maturity Benefit
Upon maturity of the certificate, participants will receive the Participant Account Value (PIA) under the certificate.

 What benefits do I get?

S h d l fB fit
 Schedule of Benefits

Benefits Minimum Maximum

Entry Age 50 80

Expiry Age 90

Number of Units 1 10

Monthly Contribution RM 50 RM 500

  Attained Age Basic Sum

covered
 

Accidental Death Benefit 50-65 x5

66-80 x3

>80 x2

plus Participant Account Value (PIA) value

Natural Death Benefit After Two (2) Consecutive Years Certificate Has Incepted Basic Sum
Covered plus
PIA value

Natural Death Benefit Within The First Two (2) Years Certificate Incepted All
Contribution
Paid Will Be
Refunded

Repatriation Benefit Up to
RM3,000

Maturity Benefit PIA Value

 Who is eligible for this plan?

This plan covers anyone from the age of 50 years old up to 80 years old. However, the Participant/Applicant must
be at least 18 years old and above.

 Where can I get more information?

 Takaful SeniorGold Brochure (290.3 KB/PDF)


Contact us.

Name (as per NRIC)

*

NRIC No.
*

Gender
*
Male

Female

Mobile No.
*

Email
*

City
*

State
*

Are you an existing Zurich Takaful certificate holder?

*
Yes

No
 Message

I hereby allow Zurich Malaysia and/or its intermediaries to contact me on matters relating to this
enquiry. For this purpose, Zurich General Insurance Malaysia Berhad, Zurich Life Insurance Malaysia
Berhad, Zurich Takaful Malaysia Berhad and all other Zurich Insurance Group subsidiaries operating in
Malaysia, are referred to as 'Zurich Malaysia'.
*
Yes

 Submit

Zurich Takaful operates under the principle of Wakalah, whereby the Takaful Operator acts as an agent to the Participant for
managing the operations of the Takaful business. A Wakalah Fee will be charged up-front from the contributions paid. Tabarru’
(donation) will be deducted to the PRIA, where it will be used for mutual aid and assistance, based on the concept of Takaful.
The benefits are paid from the PRIA only upon a covered loss, and not upon maturity or surrender of the certificate. Surplus
Sharing (if any) at the end of each financial year will be shared between the Participant and Zurich Takaful at a 50:50 ratio
based on Hibah contract. The investment profit earned on the PIA is derived from the return on underlying assets and Zurich
Takaful charges a Wakalah Tharawat Fee (Fund Management Fee) for managing these assets. The investment risk in PIA is fully
borne by the Participant. 100% of investment profit earned, net of tax, less the aforementioned Wakalah Tharawat Fee will
remain in the PIA for the benefit of the Participant. There will be no further sharing of the investment profit arising in the PIA
with Shareholders.

Bahasa Malaysia

 Kenapa saya perlu pilih pelan ini?

Apakah manfaat yang saya perolehi?

Jadual Manfaat

Manfaat-manfaat Minimum Maksimum

Usia Kemasukan 50 80

Usia Luput 90

Bilangan Unit 1 10

Sumbangan Bulanan RM 50 RM 500

  Umur Dicapai Jumlah Asas

Dilindungi
 

Manfaat Kematian Akibat Kemalangan 50-65 x5

66-80 x3

>80 x2

bersama dengan jumlah nilai Akaun Pelaburan Peserta (APP)

Manfaat Kematian Semulajadi Selepas Sijil Berkuatkuasa selama Dua (2) Tahun Berturut-turut Jumlah asas
dilindungi
bersama
dengan
jumlah nilai
APP

Manfaat Kematian Semulajadi dalam masa Dua (2) Tahun Pertama Sijil Berkuatkuasa Semua
Sumbangan
yang dibayar
dikembalikan

Manfaat Penghantaran Mayat Pulang Sehingga

RM3,000

Manfaat Matang nilai APP

  Apakah syarat kelayakan menyertai pelan ini?

 Di manakah saya boleh mendapat lebih maklumat?

 Takaful SeniorGold Brochure (290.3 KB/PDF)



Hubungi kami.

Zurich Takaful beroperasi di bawah prinsip Wakalah di mana Pengendali Takaful selaku agen mengendalikan operasi
perniagaan Takaful kepada Peserta. Yuran Wakalah akan dikenakan sekali bersama dengan caruman yang dibayar. Jumlah
Tabarru’ akan dimasukkan ke dalam APRP di mana ia akan digunakan untuk membantu Peserta lain berdasarkan Konsep
Takaful. Manfaat akan dibayar daripada APRP hanya untuk kerugian yang dilindungi, dan bukanlah semasa Sijil matang atau
penyerahan Sijil. Lebihan pada setiap akhir tahun kewangan (jika ada) akan dikongsi di antara Peserta dan Zurich Takaful
mengikut nisbah 50:50 berdasarkan kontrak Hibah. Keuntungan daripada pelaburan yang diperolehi daripada APP adalah
berdasarkan kepadaaset yang disandarkan dan Zurich Takaful akan mengenakan bayaran Yuran Wakalah Tharawat (Yuran
Pengurusan Dana) untuk menguruskan aset tersebut. Risiko pelaburan di dalam APP ditanggung sepenuhnya oleh Peserta.
100% keuntungan pelaburan selepas cukai akan kekal di dalam APP untuk manfaat Peserta. Tiada perkongsian ke atas
sebarang keuntungan yang ada di dalam APP dengan pemegang saham.

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smarter.

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