• Minimum Entry Age : 30 days old
• Maximum Age : 64 years old and renewable annually, up to age 70

1. Alzheimer's Disease/Irreversible Organic Degenerative Brain Disorders
2. Aplastic Anaemia
3. Bacteria Meningitis
4. Balloon Angioplasty*
5. Benign Brain Tumor
6. Blindness
7. Brain Surgery
8. Cancer
9. Cardiomyopathy
10. Chronic Liver Disease
11. Chronic Lung Disease
12. Coma
13. Coronary Artery Bypass Surgery*
14. Encephalitis
15. Full Blown AIDS*
16. Fulminant Viral Hepatitis
17. Heart Attack (Myocardial Infraction)
18. Heart Valve Replacement
19. HIV due to Blood Transfusion
20. Kidney Failure
21. Laser Treatment or Any Other Invasive Treatments for Coronary Artery Disease
22. Loss of Hearing/Deafness
23. Loss of Speech
24. Major Burns
25. Major Organ Transplant
26. Motor Neuron Disease
27. Multiple Sclerosis
28. Muscular Dystrophy
29. Occupationally Acquired HIV Infection*
30. Paralysis/Paraplegia
31. Parkinson's Disease
32. Poliomyelitis
33. Primary Pulmonary Arterial Hypertension
34. Stroke
35. Surgery to Aorta
36. Terminal Illness

In the event the Participant is first diagnosed of a critical illness as defined in Table 1 by a qualified medical advisor, the Sum Covered is payable in full with the exception of some diseases / treatment marked with (*). The balance of the Sum Covered (if any) for disease / treatment marked with (*) will be payable in the event of Total and Permanent Disability (TPD) or diagnosis of any other critical illnesses, whichever is earlier.

1.What is MAA Takaful Group Term Takaful?

This is basically an annual renewable family takaful product which is designed to provide protection for a group of people under one Master Certificate.

Group Term Takaful responds upon death or total and permanent disablement from any cause, including illnesses, diseases and accidental causes.

 2.Why purchase Group Term Takaful?

There are numerous reasons why you should purchase Group Term Takaful:

1. It enhances morale and promotes loyalty of employees or members
2. The cost is lower compared to having to cover the group of people individually as it lessens the administration work associated with Group Term Takaful
3. It helps to attract and retain employees or members
4. It provides high protection covers to key personnel in the organisation or 'privilege’ members at relatively low cost

Contribution paid may be treated as an expense for tax deduction purpose.

3. What does MAA Takaful – Group Term Takaful offer?

If offers the following coverages:

• Death Benefit - A total of sum covered will be payable in one lump sum to Grantee in    the event of death of the participant within the term of the certificate
• Total Permanent Disablement (TPD) Benefit - A total of sum covered will be payable in one lump sum to Grantee in    the event of a death of the participant within the term of the certificate
  

Group Critical Illness Coverage is also extended with an additional contribution

4. How to participate in this Plan?

• Minimum Applicants: 5
• Age Requirements
  • Minimum Entry Age: 16 years old
  • Maximum Age: 69 years old
  • Renewal annually, up to age 70
• Types of Group Applicants:
  • Employees of an organisation
  • Members of an association, club or union
• The group of persons for whom the Takaful arrangement is constructed should have been formed for reasons other than the purchase of Takaful
• Information Required:
  • Company Name
  • Nature of Company / Association / Club Business
  • Name of Staff / Members
  • ID or I/C No
  • Date of Birth
  • Gender
  • Sum Covered either by:

a) Salaries:

For example: two times salary. Say, last drawn salary is RM3,228. If we apply two times salary as computation, then:

(after rounding to the next RM1,000)

b) Flat amount or Fixed Salary:

For example : everyone gets a flat sum covered of RM50,000.

c) Class:

For example:

Note: Quotations were based on the proposal data submitted to MAA Takaful Berhad. Final contribution rates will be determined on the basis of actual composition of the group persons who become covered under the plan.