Takaful Wanita - MAA

You may also exercise a partial withdrawal at any time subject to a minimum withdrawal amount of RM500 and a minimum
remaining balance of RM1, 000 in the PIA fund. A partial withdrawal fee of RM50 will be imposed for any withdrawal amount.
Takafulink Wanita gives you added flexibility to top-up on a regular basis with Takaful Saver, which starts from as low as RM50
a month, whilst giving you 95% contribution allocation. In addition, you also have the flexibility to top-up your investment at
any time with a minimum lump sump payment of RM1,000 also at 95% contribution allocation, less an additional RM25 fee.
These top-up facilities are available to you to maximize your investment value.
In addition, the Participant also will have the facility to switch all or some of the allocated units of the PIA fund in a particular
MAA Takaful Shariah Funds to other Shariah funds, subject to fees and charges as prescribed in the certificates.
6. How do I make a claim on the certificate?
In the event of claim, please notify Takaful Operator in writing and we shall send the necessary claim forms. Written notification
must be done within 90 days from the date of the incidents.
7. Can I surrender my certificate?
Yes, you can surrender your certificate. The 2 Participant Investment Account (PIA) value is payable when you surrender your
certificate. The PIA value is not guaranteed. You will be deemed to have terminated your Takaful Benefit/Coverage and no
benefits will be paid from the PRIA.
8. Is there any surrender charge imposed on my certificate?
No, there will be no surrender charges imposed on your certificate.
9. What about valuation of unit price?
The unit price is valued at the end of each business day. It is derived by dividing the Net Asset Value on the business day before
the Valuation Date by the number of units in issue of the relevant MAA Takaful Shariah Funds.
10. What are the extended benefits/riders that can be attached to Takafulink Wanita?
There are extended benefits/riders available to be attached to Takafulink Wanita. You may refer to your consultant for further
details.
Note:
2
Participant Investment Account (PIA) value is based on the actual performance of the fund and it is not guaranteed.
Exclusions
1. 1 Exclusion for Death Benefit
Death from suicide within one (1) year from the commencement date or date of increase in the Sum Covered, whichever is later,
whether the Person Covered is sane or insane, shall limit the Takaful Operator’s liability to the Participant Investment Account value
on the date of the death calculated according to the Unit Price on the immediate next Valuation Date following the date of death.
2. 1 Exclusion for Total Permanent Disability Benefit
a. Self-destruction or any attempt thereat while sane or insane;
b. Armed forces service in time of declared or undeclared war or while under orders for warlike operations or restoration of public
order;
c. Entering, operating or servicing, riding in or on, ascending or conveyance except while the Person Covered is in an aircraft
operated by a commercial passenger airline on a regular scheduled passenger trip over its established passenger route.
Note:
1
The above exclusions are not exhaustive and cross reference may be made to the exclusion clause of the Certificate
Contract.