TAKAFUL MEDICAL CARD

BASIC PRINCIPLE OF TAKAFUL.

You must have a legitimate financial interest in the subject matter to participate in a takaful plan.
A takaful contract is based on the principle of utmost good faith (trust), whereby you need to disclose all material information required.
You can only recover your financial loss and not gain any profit as a result of a quantifiable loss.
In determining the compensation, the takaful operator will identify the actual most important cause that brought about the loss.
After you have been compensated for your loss, the takaful operator has the right to claim from any third party responsible for your loss.
If loss is covered by more than one takaful plans or insurance policies, the takaful operator that has made payment to you may call upon other takaful operators or insurance to contribute proportionately to the payment.

Medical and health takaful gives you cover for the cost of private medical treatment, like hospitalisation, surgery and treatment, if you are diagnosed with certain illnesses or are involved in an accident. The cover acts as a stand-alone policy or can be added to a basic family takaful plan, providing better coverage and benefits from both policies

COVERAGE AND EXCLUSION.

The payment of benefits depends on the type of plan that you have. You must check the takaful certificate for details of the benefits, such as what exactly is and is not covered, when benefits will be payable and how they will be paid.