Enjoy comprehensive protection for a more secure future while safeguarding your child’s education.  

Every parent wants the best opportunity for their children to achieve their dreams. With early planning together with Zurich Takaful Malaysia Berhad, you can ensure that their education savings remain secure and confidently protected.

Zurich Takaful Malaysia Berhad

Build a more secure future with Simpan SSPN Plus together with Zurich Takaful Malaysia Berhad.

Zurich Takaful Malaysia Berhad is a Shariah compliant takaful operator in Malaysia that offers protection plans for families and individuals. Our focus is to provide products that are clear, easy to understand, and aligned with customers’ needs, from life and health protection to financial support in times of misfortune.

In collaboration with PTPTN for Simpan SSPN Plus, our role is to complement education savings with transparent takaful protection structured according to the stipulated terms and conditions. Depositors can save money based on their chosen monthly commitment, while protection is provided according to the terms and conditions of the active certificate.

Monthly CommitmentIntanDelimaTopasZamrudNilamBerlian
Simpan SSPN SavingsRM20RM40RM90RM180RM270RM200
Takaful ContributionRM10RM10RM10RM20RM30RM300
Total Monthly CommitmentRM30RM50RM100RM200RM300RM500
SUBJECTINTANDELIMATOPASZAMRUDNILAMBERLIAN
Death
Death Due To Natural Causes (RM)
Accidents
• Accidental Death in Malaysia (RM)
• Accidental Death in Malaysia (including on Public Conveyance) (RM)
• Accidental Death Outside of Malaysia (RM)

30,000

60,000
60,000
60,000

30,000

60,000
60,000
60,000

30,000

60,000
60,000
60,000

60,000

120,000
120,000
120,000

90,000

180,000
180,000
180,000

600,000

1,200,000
1,200,000
1,200,000

Invalidity
Total Permanent Disability (TPD) Due to Natural Causes (RM)
Total Permanent Disability (TPD) Due to Accidental Causes (RM)
Partial Permanent Disability (PPD) Due to Accidental Causes (RM)
Partial Permanent Disability (PPD) Due to Natural Causes (RM)
30,000
60,000
10,000
10,000
30,000
60,000
10,000
10,000
30,000
60,000
10,000
10,000
60,000
120,000
20,000
20,000
90,000
180,000
30,000
30,000
600,000
1,200,000
100,000
100,000
Critical Illness
Coverage amount (RM)
The number of diseases covered
12,000
36
12,000
36
12,000
36
24,000
36
36,000
36
120,000
36
Hospital Income Benefit
Per day (RM)
Number of weeks
25
52
25
52
25
52
50
52
75
52
250
52
Funeral Benefit
Depositor (RM)
Spouse (RM)
Child
• Coverage Amount (RM)
• Number of Children Covered

3,000
3,000

1,500
3

3,000
3,000

1,500
3

3,000
3,000

1,500
3

3,000
3,000

1,500
3

3,000
3,000

1,500
3

20,000
10,000

3,000
3

Other Benefits:
Benefits of Accident Outpatient Treatment (RM)
Terminal Illness (RM)
Benefit of Repatriation of Remains












** For the Berlian Package, Zurich Takaful Malaysia Berhad only allows the opening of a maximum of 2 accounts per depositor.

ItemWaiting Period
Death Due To Natural Causes• 12 months from the effective date
• Instant coverage (except for pre-existing conditions)
• Berlian Package: 3 months from the effective date
Death Due To Accident• Immediate coverage
Total Permanent Disability (TPD) Due to Natural Causes• 12 months from the effective date
Total Permanent Disability (TPD) Due to Accidental Causes• Immediate coverage
Partial Permanent Disability (PPD) Due to Natural Causes
Partial Permanent Disability (PPD) Due to Accidental Causes
• General: 12 months from the effective date for pre-existing conditions
• Accident: Immediate coverage
Critical Illness• Cancer and Heart-Related Conditions: 60 days from the effective date
• Other Illnesses: 30 days from the effective date
• Pre-Existing Conditions: 12 months from the effective date
Hospitalization Allowance Benefit• Accident: Immediate coverage
• Specified Illnesses: 120 days from the effective date
• Other Illnesses: 30 days from the effective date
• Pre-Existing Conditions: 12 months from the effective date
Funeral Benefit• Pre-Existing Conditions: 12 months from the effective date (applicable to Depositors only)

Zurich Takaful Malaysia Berhad is a member of PIDM.
The benefit(s) payable under eligible product is protected by PIDM up to limits. Please refer to PIDM’s TIPS Brochure or contact Zurich Takaful Malaysia Berhad or PIDM (visit www.pidm.gov.my).