CUEPACSCARE Takaful Medical Card & PA Untuk Penjawat Awam: Medical And Health Takaful: Basic Info

BASIC PRINCIPLES OF TAKAFUL

	You must have a legitimate financial interest in the subject matter to participate in a takaful plan.

	A takaful contract is based on the principle of utmost good faith (trust), whereby you need to disclose all material information required.

	You can only recover your financial loss and not gain any profit as a result of a quantifiable loss.

	In determining the compensation, the takaful operator will identify the actual most important cause that brought about the loss.

	After you have been compensated for your loss, the takaful operator has the right to claim from any third party responsible for your loss.

	If a loss is covered by more than one takaful plans or insurance policies, the takaful operator that has made payment to you may call upon other takaful operators or insurance companies to contribute proportionately to the payment.

Products Under Family Takaful are:-

Medical And Health Takaful
Family Takaful
Investment Linked Takaful
Chile Education Takaful

Medical and health takaful gives you cover for the cost of private medical treatment, like hospitalisation, surgery and treatment, if you are diagnosed with certain illnesses or are involved in an accident. The cover acts as a stand-alone policy or can be added to a basic family takaful plan, providing better coverage and benefits from both policies.

TAKAFUL CONCEPT IN MEDICAL AND HEALTH

The takaful concept is to help each other in their respective times of need. The same idea is applied to medical and health takaful.
As a participant in this plan, you make a participative contribution (tabarru’) which will be used to aid the participants who need financial help in managing the cost of private medical care, such as hospitalisation or being diagnosed with an illness.

COVERAGE AND EXCLUSION

The payment of benefits depends on the type of plan that you have. You must check the takaful certificate for details of the benefits, such as what exactly is and is not covered, when benefits will be payable and how they will be paid.

Some of the benefits covered under medical and health takaful plan are:-

The critical illness plan covers 36 common critical illnesses as follows;

The critical illness benefit is payable provided you survive for at least 30 days following the diagnosis of the critical illness.

Exclusions

Medical and health takaful will usually not cover the following:

		Pre-existing illness at the time of application
		Claims for illness or injury caused through illegal or unlawful acts
		Pregnancy or childbirth
		Venereal disease, infection or parasites
		Murder or physical assault.
		Cosmetic or plastic surgery.