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TAKAFUL PERSONAL ACCIDENT INSURANCE SABAH

Sabah Takaful Ikhlas Personal Accident Insurance Scheme

A Special Personal Insurance Scheme with Takaful Ikhlas for Low-Income Group in Sabah

The Sabah Takaful Personal Accident Insurance Scheme, a strategic partnership with Takaful Ikhlas, is a purpose-driven insurance protection initiative crafted exclusively for low-income groups in Sabah. This program aims to provide essential protection and financial assistance in the event of accidents, ensuring that families are supported during challenging times and their financial burdens are alleviated.

A Tailored Solution for Sabah’s Low-Income Communities

1. Affordable and Accessible – Premium as low as MYR 10.80 (inclusive SST)
2. Comprehensive Personal Accident Coverage – Up to MYR 30,000.00
3. Immediate Family Relief
4. Takaful-Based Mutual Support – Wakaf contribution

The Sabah Takaful Personal Accident Insurance Scheme, in partnership with Takaful Ikhlas, stands as a beacon of hope for Sabah’s low-income families. By offering affordable, comprehensive protection and timely assistance, this initiative empowers individuals to safeguard their future and provides their loved ones with much-needed peace of mind during life’s uncertainties.

Product Detail Sheet

Sabah People's Group Personal Accident Takaful Scheme

Participants	For the People of Sabah
Job Classification	All Jobs - Classes 1 to 4
Age	18 to 80 Years Old (On the Next Birthday)

Protection Benefit Description

Benefit	Description
Accidental Death	Death of the Covered Person solely and directly caused by an Accident that results in severe and evident external injuries (including direct consequences of exposure to such elements) and excluding illness, parasites, viral or bacterial infections, or any natural condition or degenerative process, within twelve (12) calendar months of the event. The amount to be paid is the Sum Assured as stated in the Schedule.
Permanent Disability due to Accident (Scale 1, Refer Appendix 1)	Permanent incapacity of the Covered Person solely and directly caused by an Accident resulting in severe and evident external injuries (including direct consequences of exposure to such elements) and excluding illness, parasites, viral or bacterial infections, or any natural condition or degenerative process, within twelve (12) calendar months of the event. The amount to be paid is the Sum Assured as stated in the Schedule.
Accident Funeral Management Cost	A full amount as stated in the Benefit Schedule is paid for immediate funeral management in the event of accidental death of a member.
Wakaf	A full amount as stated in the Benefit Schedule is paid for Waqf in the event of accidental death of a member.
Funeral Transportation Cost	In the event of an accidental death of a member occurring inside or outside Malaysia, the Company will reimburse the funeral transportation cost to the heir or authorized representative upon presentation of the original receipt, limited to the amount stated in the schedule.