PRODUCT DISCLOSURE SHEET ETIQA FAMILY TAKAFUL BERHAD ("Takaful

Operator/We/Us/Our”)
Please read this Product Disclosure Sheet before you decide to participate OneMedical Takaful
in OneMedical Takaful plan. Be sure to also read the general terms and
conditions. <Date>

1. What is this product about?

OneMedical Takaful is a yearly renewable medical plan that provides medical coverage up to age 85. This product does not
provide any savings or investment elements.
2. What are the Shariah concepts applicable?
a) Tabarru’
This plan applies the Tabarru' (donation) concept, whereby the participant agrees to donate or contribute a specified portion from
the contribution paid into the Participants’ Risk Fund (PRF) for the purpose of mutual aid and assistance to the participants in
case of need.
b) Wakalah
This plan also applies the Wakalah (agency) concept, whereby the participant appoints Us to act on behalf of the participant to
invest and manage the Participants’ Risk Fund (PRF). Wakalah fee is deducted from the contribution of each certificate. The
participant also agrees to authorize Us to delegate Our rights, duties and obligations to any third party as We deem fit for the
purpose of achieving the objective to invest and manage the PRF, provided that, in the event of any such delegation, We will
remain liable and responsible for all such rights, duties and obligations towards the participant.
c) Participants’ Risk Fund (PRF)
The contribution less the Wakalah fee will be paid into the Participants’ Risk Fund (PRF). Surplus arising within the PRF makes
allowance for contingency provisions and may be distributed according to the surplus policy approved by Our Shariah committee.
Surplus from the PRF will be determined and distributed, if any, yearly by Us. 50% of any distributed surplus will be shared
amongst the participants with in force certificates and who have not made any claim within the financial year. The remaining 50%
to be paid to Us for operating and managing the PRF, based on the contract of Ju‘alah. Ju'alah is a wage contract that specifies
the share of the distribution of surplus on this basis.

3. What are the covers / benefits provided?

Schedule of Benefits

Plan Type Plan 1 Plan 2 Plan 3

Overall Annual Limit RM60,000 RM120,000 RM160,000

Overall Lifetime Limit No Limit

Section A: Inpatient & Day Care Surgery Benefits

Hospital Room & Board Charges RM120 RM220 RM320

(RM per day limit)

Hospital Room & Board Charges

No Limit
(days per annum limit)

Intensive Care Unit Charges (No limit on days per annum)

Surgical Fees
As Charged
Anaesthetist Fees
(subject to overall annual limit)
Operating Theatre Fees

Hospital Supplies & Services Charges

 In-Hospital Physician / Specialist Visit Charges (2 visits per day limit)

Day Care Surgery Fees

Ambulance Fees

Section B: Outpatient Benefits

Pre-hospitalisation Diagnostic Tests Charges (within 60 days prior to

Hospitalisation)

Pre-hospitalisation Consultation Fees (within 60 days prior to

Hospitalisation – maximum of 2 General Practitioner and 1 specialist
consultations)
As Charged
Post-hospitalisation Treatment Charges (within 90 days after discharge) (subject to overall annual limit)
Emergency Accidental Outpatient Treatment Charges

Outpatient Kidney Dialysis Treatment Charges

Outpatient Cancer Treatment Charges

Section C: Communicable Disease Cash Benefit

A lump sum cash benefit is payable upon diagnosis and hospitalisation
within Malaysia due to the covered communicable diseases listed RM2,200
below:
a. COVID-19
(Maximum 3 claims, subject to 1 claim per
b. Zika virus certificate year.)
c. MERS-CoV
d. SARS
e. Malaria
f. Any communicable diseases that require quarantine by law.
Deductible (Optional)

Deductible Amount RM1,000

(Per hospitalisation. Only applicable to Section
A: Inpatient & Day Care Surgery Benefits)
The benefit(s) payable under eligible product is(are) protected by PIDM up to limits. Please refer to PIDM’s TIPS Brochure or
contact Us or PIDM (visit www.pidm.gov.my).
4. How much contribution do I have to pay?
The estimated contribution that you have to pay is RM <contribution> <contribution mode> for <plan type> <with deductible
amount RM1,000>.
The total contribution that you have to pay may vary by plan type, deductible option, occupation and age next birthday of the
person covered at the commencement date.
This plan is renewable yearly up to age 85, the contribution rate is not guaranteed and may vary according to age next birthd ay
of the person covered at the prevailing certificate renewal. We reserve the right to change the contribution rate (provided it is
necessary, reasonable and justifiable for Us to do so) by giving 30 days’ prior notice.
Please refer to Appendix 1 for the current contribution rates.

All contribution (if applicable) will be subjected to relevant charges or taxes as deemed necessary by the Malaysia tax authorities.
It is important to keep any receipt that you receive as proof of payment of contribution.
5. What are the fees and charges that I have to pay?
The Wakalah fee is a deduction of RM <wakalah amount> or 27% from the contributions for the certificate year. There is no
commission charged on this product, hence the entire Wakalah fee is paid to Us to cover for the management expenses of the
plan.
6. What are some of the key terms and conditions that I should be aware of?
a) Importance of Disclosure – To help Us make the right decision in accepting the risk and determining the rates and terms of
your certificate, you are required to disclose all relevant information, including medical condition (if applicable) and age,
correctly. If this information is withheld or found to be inaccurate, this will result in voidance of the contract, a claim not being
paid, or terms and conditions of the certificate being changed.
b) Payment of a contribution must be received within the 31 days grace period from the date that the contribution is due. If a
contribution due is not received within the grace period, your certificate will lapse.
c) Room and Board Eligibility – If you are hospitalised at a higher room and board than your room and board eligibility, you will
need to pay the difference of the Room and Board rate.
d) Deductible – Deductible is optional. If you opt for deductible, you will need to pay the deductible amount of RM1,000 of the
eligible medical expenses incurred for each hospitalisation, the balance of the eligible medical expenses will be paid by Us
after deducting the RM1,000 deductible amount.
e) Free Look Period – You have the right to cancel the certificate by giving a written instruction to Us within 15 days after the
certificate has been received by you, regardless of any reason. We will cancel this certificate and refund the contribution
paid. Please note that for the purpose of determining the period of 15 days, this certificate will be deemed to be returned to
Us on the date We have received this certificate if personally delivered, or on the date of posting if this certificate is sent to
Us by registered post or on the date of transmission if this certificate is electronically transmitted.
For new application under family package where all certificates were issued on the same issue date, any request of
cancellation during the free look period, the entire family package shall be cancelled. We will refund you the total contribution
paid for the family takaful package upon cancellation of the certificate.
f) This certificate is renewable yearly at your option. If the certificate is not renewed, We are discharged from any further liability
under the certificate.
Note: This list is non-exhaustive. Please refer to the certificate for the full terms and conditions.
7. What are the major exclusions under this certificate?
This plan does not cover any medical benefits occurring due to:
a) Any medical conditions occurring within the first 30 days from the issue date or latest reinstatement date of the certificate,
unless due to accident;
b) Various specified conditions occurring within the first 120 days from the issue date or latest reinstatement date of the certificate;
c) Pre-existing conditions;
d) Any treatment or charges which are not reasonable, not medically necessary, cosmetic, diagnostic (unless leading to
hospitalisation or surgery), experimental, preventative, or similar;
e) Any treatment for sleep or teeth, except where the dental treatment is related to an accident requiring hospital treatment;
f) Eye procedures, or tests including but not limited to, refraction or surgical correction of near-sightedness (Radial Keratotomy)
or far-sightedness (Lasik), unless medically necessary to prevent total and permanent blindness;
g) Costs of over-the-counter medication, prosthetics, rest cures, sanitaria, organ or tissue donation, pregnancy, infertility, gender
reassignment procedures, contraception, sterilization, circumcision, or birth / congenital / hereditary conditions;
h) Psychiatric, mental or nervous system related conditions;
i) Benefits covered by other medical policies or certificates.
Note: This list is non-exhaustive. Please refer to the certificate for the full list of exclusions.

8. Can I cancel my certificate?

If the written cancellation notice is received after the 15 days period, you may be entitled to the PRF surplus, if any. Besides, you
may also be entitled to a partial refund of the contribution, provided you did not make any claim for the current certificate year,
and your contribution payment is not on monthly basis.
9. What do I need to do if there are changes to my contact details?
It is important that you inform Us of any change in your contact details (including the nominee) to ensure that all correspondences
reach you in a timely manner. Please write to Our postal address at Etiqa Family Takaful Berhad, Dataran Maybank, No 1, Jalan
Maarof, 59000 Kuala Lumpur, or by facsimile to 03-2297 3800, or e-mail at [email protected], or by calling 03-2297 3888, or Etiqa
Oneline at 1-300-13-8888.
10. Where can I get further information?
If you have any enquiries, or require further information, please contact Etiqa Oneline by calling 1-300-13-8888, or write to Etiqa
Family Takaful Berhad (199301011506), Dataran Maybank, No 1, Jalan Maarof, 59000 Kuala Lumpur; or by facsimile to 03-2297
3800, or e-mail at [email protected], or by calling 03-2297 3888, or visit www.etiqa.com.my. Etiqa Family Takaful Berhad is
licensed under the Islamic Financial Services Act 2013 and regulated by Bank Negara Malaysia.
11. Other similar types of Takaful cover available.
Please refer to Our website at www.etiqa.com.my for other similar types of cover available.

IMPORTANT NOTE:

PARTICIPATING IN A FAMILY TAKAFUL PLAN IS A LONG-TERM FINANCIAL COMMITMENT. YOU MUST CHOOSE THE TYPE
OF CERTIFICATE THAT BEST SUITS YOUR PERSONAL CIRCUMSTANCES. YOU SHOULD READ AND UNDERSTAND THE
CERTIFICATE OR CONTACT US DIRECTLY FOR MORE INFORMATION.

The information provided in this product disclosure sheet is valid as at <issue date>.
Appendix 1 – Table of Annual Contribution Rates (Male & Female)
No Deductible RM1,000 Deductible

Age Next Age Next

Plan 1 Plan 2 Plan 3 Plan 1 Plan 2 Plan 3
Birthday Birthday
(RM) (RM) (RM) (RM) (RM) (RM)
(ANB) (ANB)
1-5 1,326 1,577 1,916 1-5 1,194 1,420 1,726
6-15 618 734 892 6-15 558 661 804
16-25 720 855 1,039 16-25 649 770 936
26-30 803 956 1,157 26-30 724 861 1,042
31-35 851 1,015 1,225 31-35 767 914 1,104
36-40 960 1,145 1,380 36-40 865 1,032 1,243
41-45 1,139 1,359 1,639 41-45 1,083 1,292 1,557
46-50 1,459 1,742 2,101 46-50 1,387 1,655 1,997
51-55 1,954 2,332 2,814 51-55 1,856 2,216 2,674
56* 2,535 3,028 3,654 56* 2,409 2,877 3,472
57* 2,726 3,256 3,929 57* 2,590 3,093 3,733
58* 2,938 3,509 4,235 58* 2,792 3,334 4,024
59* 3,175 3,791 4,576 59* 3,016 3,602 4,348
60* 3,489 4,168 5,030 60* 3,315 3,960 4,779
61* 3,775 4,509 5,443 61* 3,587 4,284 5,171
62* 4,083 4,877 5,887 62* 3,879 4,634 5,593
63* 4,414 5,273 6,365 63* 4,194 5,010 6,047
64* 4,770 5,698 6,878 64* 4,532 5,414 6,535
65* 5,153 6,156 7,431 65* 4,896 5,848 7,060
66* 5,564 6,647 8,024 66* 5,287 6,315 7,624
67* 6,006 7,175 8,662 67* 5,706 6,817 8,230
68* 6,481 7,742 9,347 68* 6,157 7,356 8,880
69* 6,990 8,351 10,082 69* 6,641 7,934 9,578
70* 7,652 9,142 11,037 70* 7,270 8,686 10,486
71* 8,207 9,805 11,837 71* 7,797 9,315 11,246
72* 8,761 10,468 12,638 72* 8,324 9,945 12,006
73* 9,316 11,131 13,438 73* 8,851 10,575 12,767
74* 9,871 11,794 14,239 74* 9,378 11,205 13,527
75* 10,426 12,457 15,039 75* 9,905 11,834 14,288
76* 10,980 13,119 15,840 76* 10,432 12,464 15,048
77* 11,535 13,782 16,640 77* 10,959 13,094 15,809
78* 12,090 14,445 17,440 78* 11,486 13,723 16,569
79* 12,645 15,108 18,241 79* 12,013 14,353 17,329
80* 13,199 15,771 19,041 80* 12,540 14,983 18,090
81* 13,754 16,434 19,842 81* 13,067 15,613 18,850
82* 14,309 17,097 20,642 82* 13,594 16,242 19,611
83* 14,863 17,760 21,443 83* 14,121 16,872 20,371
84* 15,418 18,423 22,243 84* 14,648 17,502 21,131

*Applicable for renewal only.

Notes:
1) The above contribution rates are for occupational class 1 and 2 only.
2) The contribution rates for occupational class 3 and class 4 are 1.25 times and 1.5 times of
the contribution rates shown above, respectively.
3) The contribution rates are not guaranteed and may vary according to age next birthday of
the person covered at the prevailing certificate renewal.