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.
- Introduction
- Savings Package
- Takaful Benefits by Package
- Waiting Period
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 Commitment | Intan | Delima | Topas | Zamrud | Nilam | Berlian |
|---|---|---|---|---|---|---|
| Simpan SSPN Savings | RM20 | RM40 | RM90 | RM180 | RM270 | RM200 |
| Takaful Contribution | RM10 | RM10 | RM10 | RM20 | RM30 | RM300 |
| Total Monthly Commitment | RM30 | RM50 | RM100 | RM200 | RM300 | RM500 |
| SUBJECT | INTAN | DELIMA | TOPAS | ZAMRUD | NILAM | BERLIAN |
|---|---|---|---|---|---|---|
| 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 | 30,000 60,000 | 30,000 60,000 | 60,000 120,000 | 90,000 180,000 | 600,000 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 1,500 | 3,000 1,500 | 3,000 1,500 | 3,000 1,500 | 3,000 1,500 | 20,000 3,000 |
| 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.
| Item | Waiting 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).