General Takaful (Motor) : IKHLAS Motor Takaful , General Takaful (Non-Motor) : IKHLAS Niaga Takaful, Family Takaful (Basic) : IKHLAS Capital Investment-Linked Takaful, Family Takaful (Riders) : IKHLAS Critical Illness Takaful Rider, Group Takaful (Non-Employee) : IKHLAS Comprehensive Group Takaful Scheme, Manufacturers, Exporters and Suppliers Marketplace

Company Name	Takaful Ikhlas Sdn. Bhd.
Address	9th Floor, Bangunan Malaysian Re, 50990 No. 17, Lorong Dungun, Damansara Heights, Kuala Lumpur.
Description	Takaful IKHLAS has established Islamic financial protection services that comprises a comprehensive range of Family, General, Group Takaful Plans and Riders for individuals and commercial enterprises.
URL	http://www.takaful-ikhlas.com.my
Contact Person	Wenny Soh San San
Telephone	603 - 2084 1000
Fax	603 - 2094 9921
Country	Malaysia

General Takaful (Motor) : IKHLAS Motor Takaful

Product Description :
IKHLAS MOTOR offers two types of motor coverage, the IKHLAS COMPREHENSIVE MOTOR and IKHLAS THIRD PARTY MOTOR.

Detail Description :
IKHLAS COMPREHENSIVE MOTOR
The coverage pays you in the event of loss or damage to your vehicle as well as third party legal liability. It covers the death or injury to a third party, as well as damage to a third party property as a result of an accident arising out of the use of your vehicle.

IKHLAS THIRD PARTY MOTOR
It covers the amount of which you or your authorized driver is legally liable to pay for third party death, injury or property damage arising out of the use of your vehicle.

OPTIONAL BENEFITS
The following benefits will be made available with additional contribution:-

• Passenger Liability
• Liability to passengers
• Windscreen Breakage
• Strike, Riot and Civil Commotion
• Flood and Storm
• Radio Cassette System

General Takaful (Non-Motor) : IKHLAS Niaga Takaful

Product Description :
IKHLAS NIAGA TAKAFUL is designed to provide a comprehensive coverage not only for small and medium industries (SMIs) and small and medium entreprenuers (SMEs) which includes shop houses and offices, clinics, retailers and wholesalers. The package contains 3 unique plans that that one can choose from which offer customized protection according to specific needs of individual business owners.

It provides a wide range of covers and benefits designed to give maximum protection to different businesses at affordable prices. You decide how much to pay based on the plans available.

Detail Description :
The different types of packages available are: -

• IKHLAS OfficeNIAGA - for offices and other similar occupations.
• IKHLAS RetailNIAGA - for provision shops, minimarts, tailors, small workshops and contractors and the like.
• IKHLAS ComercialNIAGA - for restaurants, coffee house, wholesalers, shophouses and the like.
• IKHLAS ClinicNIAGA - for doctors and dental clinics or surgeries.

Family Takaful (Basic) : IKHLAS Capital Investment-Linked Takaful

Product Description :
Now with just a single contribution, you have an opportunity to gain a more lucrative return on your investment through IKHLAS CAPITAL INVESTMENT-LINKED TAKAFUL, a plan that provides both capital appreciation and protection at the same time. There are three (3) types of funds for you to invest in, namely Growth Fund, Balance Fund and Fixed Income Fund.

Detail Description :
1. Higher Return & Protection on Your Investment
Starting with a one time RM5,000.00 investment, you are making the first step in prudent financial planning with the coverage that you need in case of any mishaps that leads to death or Total & Permanent Disability (TPD).

2. Death or TPD Benefits*
In the event of death or TPD of the participant, 100% of the Sum Cover (equivalent to 125% of the single contribution plus top-up amount less withdrawal or the accumulated fund value in all unit funds, whichever is higher) is payable to the participant or next of kin.

* Subject to conditions.

Family Takaful (Riders) : IKHLAS Critical Illness Takaful Rider

Product Description :
IKHLAS CRITICAL ILLNESS TAKAFUL RIDER is an Individual Level Takaful cover for protection purposes. This plan provides protection against any of the specified critical illnesses within the term of the plan.

Detail Description :
IKHLAS CRITICAL ILLNESS TAKAFUL RIDER provides protection and peace of mind for you and your family if you are diagnosed with critical illness.

The plan provides the following coverage:-

40 CRITICAL ILLNESSES
The rider provides payment of 100% of the Critical Illness Sum Covered (CISC) upon participant being diagnosed as suffering from any critical illnesses as defined in the plan. This plan is available in two forms:

• Accelerated Plan
This rider provides a lump sum payment of the Critical Illness Sum Covered (CISC), which is advanced from the Basic Sum Covered, upon diagnosis. A claim made under this rider will reduce the sum covered of the Basic Plan.

• Additional Plan
The rider provides a lump sum payment of the CISC, upon diagnosis. The payment made under this rider will not reduce the Basic Sum Covered.

MATURITY BENEFIT
Upon maturity of the certificate, you will receive a lump sum payment from the investment income and accumulated amount from the Personal Risk Investment Account and net surplus from Taawuni Account Pool from the Risk Fund.

Group Takaful (Non-Employee) : IKHLAS Comprehensive Group Takaful Scheme

Product Description :
This plan is designed to minimize selection of risk and provide a common base of Takaful for the covered group of employees (participants) with saving elements for retirement purposes. This plan is per unit basis and costs only RM10 per unit.

Detail Description :
• Death Benefit - in the event of death of the participant within the term of the certificate, the Sum Covered (SC) plus the balance in the participants Personal Risk Investment Account (PRIA) will be payable to participants beneficiary or next of kin upon natural death.

• 2 times SC will be payable to participants beneficiary or next of kin upon accidental death.

• TPD Benefit - in the event of TPD (all causes) of the participant within the term of the certificate, the SC is payable in 10 equal annual installments, starting from the confirmation date of TPD.

Basic Comprehensive Group Takaful Scheme designed to minimise selection of risk and provide a common base of takaful for the covered group of employees (participants) with saving elements for retirement purposes. This plan is per unit basis and costs only RM10 per unit.

Contribution are payable until maturity of the policy. The maturity benefit is the accumulated contribution (net of any charges) in the Personal Investment Account (PIA) and Personal Risk Investment Account (PRIA).

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