SUN ISTISMAR EXTRA

¹ TPD coverage will cease on the contract monthly anniversary immediately following the person covered’s 75th birthday and subject to maximum aggregate limit of RM8,000,000 per person.

² If the cost of arrangement with the service provider is lower than the benefit amount, the unused amount will be payable in one lump sum. Besides, upon the occurrence of any of the following circumstances, the benefit amount will be payable in one lump sum to the contract holder or proper claimant:

- in the event of declaration of state of emergency/war/riot, catastrophic events, changes in laws or regulations, material shortages, governmental regulations, natural disasters, and/or other circumstances where the service provider is unable to provide badal hajj that supposed to be performed during the hajj season;

- if the cost of arrangement with the service provider is higher than the benefit amount; or

- no consent in performing badal hajj is received by us.

³ Loyalty reward and gratitude gem will be payable while the contract is in force and all contributions due are paid within grace period. It is payable from the Operator’s fund based on hibah (gift) and will be subject to the Operator’s discretion.

This product is managed by Sun Life Malaysia Takaful Berhad Registration No. 200501012215 (689263-M) (“Sun Life Malaysia”), a Takaful Operator regulated by Bank Negara Malaysia and registered under the Financial Services Act 2013.

Sun Life Malaysia Takaful Berhad is a member of Perbadanan Insurans Deposit Malaysia (PIDM). Protection by PIDM on benefits payable from the unit portion of this certificate/policy/contract is subject to limitations. Please refer to PIDM’s Takaful and Insurance Benefits Protection System (TIPS) Brochure or contact Sun Life Malaysia Takaful Berhad or PIDM (visit www.pidm.gov.my).

Disclaimer: 

The description of the features and benefits of the takaful product herein is not a contract/certificate of family takaful and is only a brief summary of the takaful product for quick and easy reference. The complete terms and conditions of the takaful product are contained in the Contract/Certificate Document of Sun Life Malaysia Takaful Berhad Registration No. 200501012215 (689263-M), the Takaful Operator.

CIMB Islamic Bank Berhad ("Bank") accepts no responsibility, obligation or liability for this takaful product and the services provided by the Takaful Operator. The Bank merely acts as a distributor for this takaful product.

This takaful product is the Sun Life Malaysia’s product and not a product of the Bank. Therefore this takaful product is not guaranteed by the Bank, its subsidiaries and/or its affiliates and the Takaful Operator shall undertake the full responsibilities, obligations and liabilities in respect of this takaful product. 

Terms and Conditions apply.