i-Medik Rider

MARKETING
Marketing Name : i-Medik Rider
Distribution Channel : Agency

Plan Code Plan Name Plan Abbreviation

A410 i-Medik Rider IL M100
A411 i-Medik Rider IL M150
A412 i-Medik Rider IL M200
A413 i-Medik Rider IL M300
A414 i-Medik Rider IL M400

PLAN DESCRIPTION
(a) This product is a unit-deducting rider that can be attached to
i-Great Damai (Plan Code: A003);
i-Great Iqra (Plan Code: 0701);
any future plans that we may introduce from time to time;
at any time, effective at next monthly due.
(b) Tabarru is deducted from the Participants Unit Account (PUA) and channeled to the
Tabarru Fund.

PLAN BENEFITS
This rider provides coverage for medical expenses incurred on the Person Covered due to illness or
accidental injury or any other covered eventuality, subject to the relevant cotakaful, limits and sub-
limits of the plan purchased as stated in the Schedule of Benefits and the list of exclusions.

Whilst, in the event of expenses incurred on the Person Covered where the expenses is claimed from
other medical plans from other companies or within Great Eastern Takaful (the Takaful Operator),
the cotakaful and/or deductible of other medical plans from other companies or within the Takaful
Operator which to be imposed on the Person Covered can be claimed from this plan, up to the limits
and sub-limits according to the plan purchased as stated in the Schedule of Benefits. The
reimbursement of the cotakaful and/or deductible of other medical plans from other companies or
within the Takaful Operator is subject to i-Medik cotakaful.

Example 1:
Mr. A of attained age 30 next birthday bought IL M200. He also has a medical plan R&B 200 with Z
Company. Mr. A is admitted to hospital and he stayed in R&B 200 for 3 days. He has incurred a total
medical expenses of RM5,000, where RM600 of it is R&B charge.

Amount Paid By Amount Paid By

No Action
Company Mr. A
1 Mr. A claims his medical expenses of RM5,000 (RM200 X 3) +
to Z Companys medical plan. The claim of (RM4,400 X 90%) RM4,400 X 10%
RM4,400 is subject to 10% cotakaful. = RM600 + RM3,960 = RM440
= RM4,560
2 Mr. A further makes the claim of RM440 co-
RM440 X 90% RM440 X 10% =
takaful to IL M plan. Under IL M, the claim is
= RM 396 RM 44
subject to 10% cotakaful.

Thus, Mr. A only has to pay RM44.

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i-Medik Rider
Example 2:
Mr. A of attained age 30 next birthday bought IL M200. He also has a medical plan R&B 200 with Z
Company. Mr. A is admitted to hospital and he stayed in R&B 300 for 3 days. He has incurred a total
medical expenses of RM5,000, where RM900 of it is R&B charge.

Amount Paid By Amount Paid By

No Action
Company Mr. A
1 Mr. A claims his medical expenses of RM5,000 (RM200 X 3) + (RM100 X 3) +
to Z Companys medical plan. The claim of (RM4,100 X 90%) (RM4,100 X 10%)
RM4,100 is subject to 10% cotakaful and Mr. A = RM600 + RM3,690 = RM300 + RM410
has to pay the excess R&B charges. = RM4,290 = RM710
2 Mr. A further makes the claim of RM710 to IL
M plan. Under IL M200, the R&B is not (RM100 X 3) +
exceeded as Mr. A only makes the claim of (RM410 X 90%) RM410 X 10%
RM300 of the R&B for 3 days (RM100 per day) = RM300 + RM369 = RM 41
to IL M plan. The claim of RM410 is subject to = RM669
10% cotakaful.

Thus, Mr. A only has to pay RM41.

Example 3:
Mr. A of attained age 30 next birthday bought IL M200. He also has a medical plan R&B 200 with Z
Company. Mr. A is admitted to hospital and he stayed in R&B 500 for 3 days. He has incurred a total
medical expenses of RM5,000, where RM1,500 of it is R&B charge.

Amount Paid By Amount Paid By

No Action
Company Mr. A
1 Mr. A claims his medical expenses of RM5,000 (RM200 X 3) + (RM300 X 3) +
to Z Companys medical plan. The claim of (RM3,500 X 90%) = (RM3,500X 10%) =
RM3,500 is subject to 10% cotakaful and Mr. A RM600 + RM3,150 = RM900 + RM350 =
has to pay the excess R&B charges. RM3,750 RM1,250
2 Mr. A further makes the claim of RM1,250 to IL
M plan. Under IL M200, the R&B is exceeded
(RM200 X 3) + (RM100 X 3) +
as Mr. A makes the claim of RM900 of the
(RM350 X 80%) = (RM350X 20%) =
R&B for 3 days (RM300 per day) to IL M plan.
RM600 + RM280 = RM300 + RM70 =
The claim of RM350 is subject to 20%
RM880 RM370
cotakaful as hospital R&B had exceeded IL Ms
R&B.

Thus, Mr. A only has to pay RM370.

nd
Application of this enhanced benefit shall base on hospital admission date which cut off at 2
January 2013.
nd nd
Hospital Admission Date Prior to 2 January 2013 From 2 January 2013 onwards
Claim of cotakaful and/or
deductible of other medical
plans of other companies or Not claimable Claimable
within the Takaful Operator
from IL M

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Examples:-
Is Cotakaful and/or
Deductible of Other Medical
Hospital Admission Plans of Other Companies
Scenario Claim Submission Date
Date or within the Takaful
Operator
Claimable from IL M?
1 11 May 2012 20 December 2012 Not Claimable
2 11 September 2012 2 January 2013 Not Claimable
3 20 October 2012 20 January 2013 Not Claimable
4 2 January 2013 2 January 2013 Claimable
5 2 January 2013 20 February 2013 Claimable

Compensation may be claimed from the start of a course of covered treatment until the time it is
confirmed by the medical opinion acceptable to the Takaful Operator that such treatment is no longer
necessary.

Medical reimbursements provided under this rider shall commence for:

i. illness occurring more than 30 days after the rider effective date; or
ii. accidental injury occurring after the rider effective date.

There are five riders available for selection with a daily Room and Board rate of RM100, RM150,
RM200, RM300 and RM400 respectively.

The details of covered benefits are stated in the Schedule of Benefits as follows:
Schedule of the Benefits
IL M100 IL M150 IL M200 IL M300 IL M400
Item Covered Benefits
(RM) (RM) (RM) (RM) (RM)
1 Hospital Room and Board
(Limit per day, subject to a 100 150 200 300 400
maximum of 180 days per
certificate year for Items (1) and
As charged, subject to the limit stated above.
(2) in aggregate)
2 Intensive Care Unit (ICU)
(Subject to a maximum of 180
As charged.
days per certificate year for
Items (1) and (2) in aggregate)
3 Hospital Supplies and Services
4 Surgical Fees
5 Operating Theatre As charged.
6 Anaesthetist Fees
7 In Hospital Physician Visit Reimbursement of Reasonable and Customary Charges
(2 visits per day) which is consistent with those usually charged to a ward
8 Pre-Hospitalisation Diagnostic or room and board accommodation which is approximate
Tests to and within the daily limit of the amount stated in
(Within 60 days before Hospital Room and Board benefit under the plan covered.
hospitalisation)
9 Pre-Hospitalisation Specialist Subject to 10% cotakaful, up to a maximum of RM500.
Consultation
(Within 60 days before If there is an upgrade of Hospital Room and Board, the
hospitalisation) following shall apply:
10 Post-Hospitalisation Treatment 1) 20% cotakaful with no maximum cap for IL M100 and
(Within 90 days after hospital IL M150 plans, or
*
discharge) 2) 20% cotakaful with a maximum cap of RM3,000 for
11 Organ Transplant IL M200, IL M300 and IL M400 plans.
12 Ambulance Fees
13 Day Surgery

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IL M100 IL M150 IL M200 IL M300 IL M400

Item Covered Benefits
(RM) (RM) (RM) (RM) (RM)

14 Outpatient Cancer Treatment As charged.

15 Outpatient Kidney Dialysis Subject to 10% cotakaful.

Treatment
16 Emergency Accidental
Outpatient Treatment 2,000 3,000 4,000 6,000 8,000
(Limit per certificate year,
subject to a maximum 30 days
As charged, subject to the limit stated above.
from the date of accident)
17 Daily-Cash Allowance at
Malaysian Government Hospital
50
(Per day, subject to a maximum
120 days per certificate year)
18 Initial Overall Annual Limit for
Items 1 to 17 60,000 90,000 120,000 160,000 200,000
(Based on paid amount)
19 Increase to the Initial Overall
6,000 9,000 12,000 16,000 20,000
Annual Limit**
20 Overall Annual Limit for Items
Total of Initial Overall Annual Limit and any cumulative
(1) to (17)
increase to the Initial Overall Annual Limit.
(Based on paid amount)
21 Overall Lifetime Limit for Items
(1) to (17) 600,000 900,000 1,200,000 1,600,000 2,000,000
(Based on paid amount)

22 Accidental Death Benefit 10,000 10,000 15,000 20,000 20,000

Supreme Assist
In accordance with the benefit provisions in Supreme
23 (Emergency Medical
Assist agreement.
Assistance Services)
In accordance with the benefit provisions in Car
24 Car Assistance Programme
Assistance Programme agreement.

* The Takaful Operator reserves the right to revise the maximum cap for cotakaful by giving at least
30 days prior written notice.
rd
** Increase to the Initial Overall Annual Limit will be computed at the end of every third (3 ) certificate
year starting from the rider effective date provided that no claim has been made during the immediate
preceding 3 certificate years. If a claim is made within any 3 certificate years, the Increase to the Initial
Overall Annual Limit will not be computed at the end of those 3 certificate years. However, the
computation of the Increase to the Initial Overall Limit will apply again if no claim has been made
during the immediate preceding 3 certificate years.

Note: Please refer to the certificate for detailed benefit of this rider.

Example
Mr. X attained age 30 choose IL M100, with Initial Overall Annual Limit of RM60,000, and Overall
Lifetime Limit of RM600,000.
st rd
1 3 Overall Annual Limit will increase by RM6,000 to RM66,000
No claim th th
Certificate Year from 4 Certificate Year to 6 Certificate Year.
th th th
4 6 Overall Annual Limit will remain at RM66,000 from 7
2 claims th
Certificate Year Certificate Year to 9 Certificate Year.
th th
7 9 Overall Annual Limit will increase by RM6,000 to RM72,000
No claim th th
Certificate Year from 10 Certificate Year to 12 Certificate Year.

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Note: If a late claim submitted after the Takaful Operator has increased the annual limit by 10% due to
no claim within defined interval, the increase in annual limit shall be reversed upon claim approval.

The Covered Benefits are described as follows:

(1) Hospital Room and Board

Reimbursement of the Reasonable and Customary Charges incurred for Medically Necessary
room accommodation and meals. The amount payable for this benefit shall be equal to the
actual charges made by the Hospital during Hospitalisation of the Person Covered, subject to
the daily rate of Hospital Room and Board, the maximum number of days and the limits stated
in the Schedule of Benefits. A Person Covered will only be entitled to this benefit while
confined to a Hospital as an Inpatient.

(2) Intensive Care Unit

Reimbursement of the Reasonable and Customary Charges for Medically Necessary actual
room and board incurred during confinement of a Person Covered as an Inpatient in the
Intensive Care Unit of a Hospital. The amount payable for this benefit shall be equal to the
actual charges made by the Hospital, subject to the maximum number of days and the limits
stated in the Schedule of Benefits. No Hospital Room and Board benefit and Intensive Care
Unit benefit shall be paid concomitantly.
For the avoidance of doubt, if Intensive Care Unit benefit is payable for a confinement period,
no Hospital Room and Board benefit shall be payable for the same confinement period.

(3) Hospital Supplies and Services

Reimbursement of the Reasonable and Customary Charges actually incurred for:
- general nursing;
- Prescribed and consumed drugs and medicines;
- dressings, splints and plaster casts;
- x-ray;
- laboratory examinations;
- electrocardiograms;
- physiotherapy;
- basal metabolism tests;
- intravenous injections and solutions; or
- administration of blood and blood plasma but excluding the cost of blood and plasma
while the Person Covered is confined as an Inpatient in a Hospital;
which is Medically Necessary, subject to the limits stated in the Schedule of Benefits.

(4) Surgical Fees

Reimbursement of the Reasonable and Customary Charges incurred for Medically Necessary
surgery by the Specialists, including Pre-Hospital Specialist Consultation and Post-
hospitalisation Treatment, subject to the limits stated in the Schedule of Benefits. If more than
one surgery is performed for Any One Disability, the total payments for all the surgeries
performed shall not exceed the limits stated in the Schedule of Benefits.

(5) Operating Theatre

Reimbursement of the Reasonable and Customary Charges incurred for operating room
incidental to Medically Necessary surgical procedure, subject to the limits stated in the
Schedule of Benefits.

(6) Anaesthetist Fees

Reimbursement of the Reasonable and Customary Charges incurred for Medically Necessary
administration of anaesthesia by the anaesthetist, subject to the limits stated in the Schedule of
Benefits.

(7) In Hospital Physician Visit

Reimbursement of the Reasonable and Customary Charges incurred for Medically Necessary
Physicians visit to an Inpatient who is confined for Disability, subject to a maximum of two (2)
visits per day and the limits stated in the Schedule of Benefits.

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(8) Pre-Hospitalisation Diagnostic Tests

Reimbursement of the Reasonable and Customary Charges incurred within sixty (60) days
preceding Hospitalisation, for Medically Necessary ECG, x-ray and laboratory tests which are
recommended by a qualified medical practitioner and performed for diagnostic purposes on
account of an Injury or Illness and in connection with a Disability, subject to the limits stated in
the Schedule of Benefits. No payment shall be made if the Person Covered does not result in
Hospitalisation for the treatment of the medical condition diagnosed upon such diagnostic
services. In addition, medications and consultation charged by the medical practitioner shall
not be payable.

(9) Pre-Hospitalisation Specialist Consultation

Reimbursement of the Reasonable and Customary Charges incurred within sixty (60) days
preceding Hospitalisation, for Medically Necessary first time consultation by a Specialist in
connection with a Disability provided that such consultation has been recommended in writing
by the attending general practitioner, subject to the limits stated in the Schedule of Benefits.
No payment shall be made for clinical treatment (including medications and subsequent
consultation after the Illness is diagnosed) or where the Person Covered does not result in
Hospitalisation for the treatment of the medical condition diagnosed.

(10) Post-hospitalisation Treatment

Reimbursement of the Reasonable and Customary Charges incurred within ninety (90) days
immediately following discharge from Hospital for a Disability, for Medically Necessary follow-
up treatment by the same attending Physician, subject to the limits stated in the Schedule of
Benefits. This shall include Prescribed Medicines during the follow-up treatment but shall not
exceed the supply needed for the maximum of ninety (90) days from the date of discharge.

(11) Organ Transplant

Reimbursement of the Reasonable and Customary Charges incurred on transplantation
surgery for the Person Covered being the recipient of the transplant of a kidney, heart, lung,
liver or bone marrow. This benefit is applicable only once per lifetime while this Rider is in
force and shall be subject to the limits stated in the Schedule of Benefits. The costs of
acquisition of the organ and all costs incurred by the donors are not covered under this Rider.

(12) Ambulance Fees

Reimbursement of the Reasonable and Customary Charges incurred for Medically Necessary
domestic ambulance services (inclusive of attendant) to and/or from the Hospital, subject to
the limits stated in the Schedule of Benefits. No payment shall be made if the Person Covered
is not hospitalised.

(13) Day Surgery

Reimbursement of the Reasonable and Customary Charges incurred for a Medically
Necessary Day Surgery. This shall be limited to the following surgical procedures which are
commonly performed safely as Day Surgery:
- Adenoidectomy;
- Bone Marrow Aspiration and Biopsy;
- Cataract Removal;
- Colonoscopy;
- Cystourethroscopy;
- Endolaser Venous Surgery;
- Endoscopic Retrograde Cholangiopancreatography;
- Excision of Bunions;
- Excision of Ganglion, Fibroma(s) and Breast Lump(s);
- Excision of Pterygium;
- Extra corporeal Shock Wave Lithotripsy;
- Herniotomy/Herniorapphy;
- Insertion or Removal of Ureteric J-Stent;

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- Laparoscopic Endometrial Ablation;
- Laparoscopy;
- Laryngoscopy;
- Laser Photocoagulation treatment for Retinal Detachment;
- Marsupialisation and drainage of Bartholins Cysts;
- Myringotomy or Myringoplasty;
- Reduction of Bone Fracture(s);
- Release of Carpal Tunnel (Carpal Tunnel Decompression);
- Release of Dupuytrens contracture;
- Removal of Cervical Polyps;
- Removal of Nasal Polyps;
- Removal of Plate and Screw/Implants;
- Rubber Banding of Haemorrhoids.

The Takaful Operator may extend the above list of surgical procedures which are commonly
performed safely as Day Surgery, from time to time, at its sole discretion. If any such surgical
procedure is performed while the Person Covered is an Inpatient, only the equivalent benefit
of Day Surgery shall be paid, unless the Takaful Operators appointed medical practitioner
has given prior approval.

(14) Outpatient Cancer Treatment

If a Person Covered is diagnosed with Cancer as defined below, the Takaful Operator shall
reimburse the Reasonable and Customary Charges incurred for the Medically Necessary
cancer treatment performed at a legally registered cancer treatment center, subject to the
limits stated in the Schedule of Benefits.
Such treatment (radiotherapy or chemotherapy excluding consultation, examination tests and
take home drugs) must be received at the Outpatient department of a Hospital or a registered
cancer treatment centre immediately following discharge from Hospital.
Cancer is defined as any malignant tumour positively diagnosed with histoligical confirmation
and characterized by the uncontrolled growth of malignant cells and invasion of tissue. The
term malignant tumour includes leukemia, lymphoma and sarcoma.
For the above definition, the following are not covered:
14.1 All cancers which are histologically classified as pre-malignant, non-invasive;
carcinoma in situ; having either borderline malignancy; or having low malignant
potential Duct;
14.2 All tumours of the prostate, thyroid and urinary bladder histologically classified as
T1N0M0 (TNM classification)
14.3 Chronic Lymphocytic Leukemia less than RAI Stage 3
14.4 All cancers in the presence of HIV
14.5 Any skin cancer other than malignant melanoma
In addition to the exclusion of Pre-existing Illness, this benefit shall not be payable for any
Person Covered who had been diagnosed as a cancer patient and/or is receiving cancer
treatment prior to the Rider Effective Date.

(15) Outpatient Kidney Dialysis

If a Person Covered is diagnosed with Kidney Failure as defined below, the Takaful Operator
shall reimburse the Reasonable and Customary Charges incurred for the Medically
Necessary kidney dialysis treatment performed at a legally registered dialysis center, subject
to the limits stated in the Schedule of Benefits.
Such treatment (dialysis excluding consultation, examination tests and take home drugs)
must be received at the Outpatient department of a Hospital or a registered dialysis treatment
center immediately following discharge from Hospital.
End Stage Kidney Failure means end stage renal failure presenting as chronic and irreversible
failure of both kidneys to function, as a result of which renal dialysis is initiated or renal
transplantation is carried out.
In addition to the exclusion of Pre-existing Illness, this benefit shall not be payable for any
Person Covered who has developed chronic renal diseases and/or is receiving dialysis
treatment prior to the Rider Effective Date.

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(16) Emergency Accident Outpatient Treatment
Reimbursement of the Reasonable and Customary Charges incurred for Medically Necessary
treatment as an Outpatient at any registered Clinic or Hospital as a result of a covered bodily
injury arising from an Accident, within 24 hours of such Accident and subject to the maximum
amount and the limits stated in the Schedule of Benefits. Follow-up treatment by the same
Doctor or same registered Clinic or Hospital for the same covered bodily Injury shall be provided
up to a maximum of thirty (30) days from date of Accident, subject to the maximum amount and
the limits stated in the Schedule of Benefits.

(17) Daily-Cash Allowance at Malaysian Government Hospital

Pays a daily allowance for each day of confinement for a covered Disability in a Malaysian
Government Hospital, provided that the Person Covered shall confine to a Hospital Room and
Board rate that does not exceed the amount stated in the Schedule of Benefits. No payment
shall be made for any transfer to or from any private Hospital and Malaysian Government
Hospital for the covered Disability.

(18) Accidental Death Benefit

While this rider is in force, in the event of death of the Person Covered resulting directly and
solely from an Accident, the Takaful Operator shall pay a pre-fixed amount as stated in the
Schedule of Benefits in one lump sum.
Provided that:
18.1 The Accident occurs on or after the Rider Effective Date and before the Certificate
Anniversary on which the Person Covereds age is seventy (70) years next birthday;
and
18.2 The death of the Person Covered occurs within ninety (90) days of sustaining the
Injury; and
18.3 Written notice of such Accident with full particulars must be provided to the Takaful
Operator immediately upon death of the Person Covered.

(19) Supreme Assist (Emergency Medical Assistance Services)

The Takaful Operator has arranged with Supreme Assist to provide Overseas and Domestic
Emergency Medical Assistance Services. The membership card will be issued to the Person
Covered which shall be used as means of verification of eligibility for the Emergency Medical
Assistance Services.

19.1 Overseas Emergency Medical Assistance

The Person Covered may call Supreme Assist from anywhere in the world to obtain
the assistance or services. The following services are applicable to the Person
Covered who is traveling outside Malaysia for a period not exceeding 120
consecutive days on any one trip.

(a) Travel Assistance

Visa Information Services, Inoculation Information Services, Weather
Information Services, Foreign Exchange Information Services, Interpreter
Assistance, Legal Referral, Embassy Referral, Lost Luggage Assistance and
Lost Passport Assistance.

(b) International Medical Assistance

Emergency Message Transmission, Telephone Medical Advice, Medical
Service Provider Referral, Arrangement of Appointments with Doctors,
Arrangement for Hospital Admission, Arrangement of Hotel Accommodation,
Arrangement and Payment of Emergency Medical Evacuation, Arrangement
and Payment of Emergency Medical Repatriation, Arrangement and Payment
of Repatriation of Mortal Remains, Arrangement and Payment of
Compassionate Visit for a relative or friend, Arrangement and Payment of
Return of up to three minor children, if such child or children is or are left
unattended.

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19.2 Domestic Emergency Medical Assistance
The following services are applicable to the Person Covered within Malaysia but
outside his state of residence in Malaysia:
(a) Emergency Message Transmission
(b) Medical Service Provider Referral

The following services are applicable to the Person Covered traveling outside his
state of residence in Malaysia for a period not exceeding 120 consecutive days for
any one trip:
(a) Arrangement and Payment of Emergency Medical Evacuation
(b) Arrangement and Payment of Emergency Medical Repatriation
(c) Arrangement for Hospital Admission

The Takaful Operator reserves the right to amend the provision of this benefit at any time, by
giving 30-day notice, subject to the availability of this benefit at reasonable costs from the
Service Provider.

The maximum amount payable by the Takaful Operator in respect of this benefit on the same
Person Covered is limited to RM500,000.

(20) Car Assistance Program

The Takaful Operator has arranged with appointed Service Provider (Service Providers name
can vary by agreement from time to time) to provide the following services and service limits: -
20.1 Road Assistance Services
(a) 24 hours Emergency Towing and Minor Roadside Repair
(b) Car Replacement Assistance
(c) Arrangement for Hotel Accommodation
(d) Referral to Service Centre
20.2 Maximum Repair/Towing Limit
20.3 Territorial Limits

UNDERWRITING GUIDELINES
i. Minimum/Maximum Age at Entry
Minimum: 30 days attained age
Maximum: IL M100 & IL M150: 60 years next birthday
IL M200, IL M300 & IL M400: 65 years next birthday (subject to underwriting)

ii. Minimum/Maximum Term

Maximum age at renewal: 79 years next birthday
Maximum expiry age: 80 years next birthday

iii. Minimum/Maximum Sum Covered

Not Applicable.

iv. Non-Medical Limits

In general, medical examination is not required. However, the Takaful Operator reserves the
absolute right to call for a medical examination, if necessary.

v. Backdating
Not Allowed.

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CHARGES
Tabarru
(a) Tabarru rates varies by the attained age, gender, and occupation classification of the Person
Covered.
(b) Tabarru is deducted monthly by cancellation of units at the beginning of each certificate
month.

AGENCY COMPENSATION
Basic Commission & Overriding Commission & Other Agency Compensation
Not applicable since these are unit deducting riders. Commission is only payable on the Basic
Contributions.

OTHER FEATURES
i. Surrender Values / Paid-up Takaful / Extended Term Takaful / Premium Loans /
Automatic Contribution Charge/ Bonus Rate
Not applicable

ii. Replacement of Certificates (ROC)

Not applicable since this is unit deducting rider.

OTHER PRIVILEGES
i. Assignment / Nomination
Not applicable.

ii. Third Party Certificate

Follow basic plan

iii. Free-look period

Participant is allowed to cancel this rider within 15 days after the Participant have received the
Takaful certificate. The Tabarru that have been deducted will be credited back into the PUA.

RIDERS / SUPPLEMENTARY BENEFITS

Not applicable.

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