Death & TPD
Pays the Sum Covered + Account Value (TPD subject to an RM2 million cap).
Investment-linked takaful · Etiqa
ElitePlus Takafulink
Shariah-compliant protection and investment in one plan.
An investment-linked takaful plan from Etiqa that combines protection (Death & Total Permanent Disability) with Shariah-compliant investment. Regular contributions, with the flexibility to add medical, critical illness and accident riders. You bear the investment risk.
What this plan covers
Shariah-compliant investment
Invest in Shariah-compliant funds, with free and unlimited fund switching.
Loyalty bonus
A loyalty bonus is paid every 2 years from Year 7, plus an RM3,000 Compassionate Benefit on death or TPD.
Medical rider (Medical Plus)
Add a cashless medical card: 5 room & board options (RM150–RM500), with no lifetime limit.
Critical illness rider
Add critical illness and accident cover for more comprehensive protection.
Flexible
Partial withdrawals (minimum RM500) and free fund switching as your needs change.
Medical rider options (Medical Plus)
| Plan 1 | Plan 2 | Plan 3 | Plan 4 | Plan 5 | |
|---|---|---|---|---|---|
| Daily room & board | RM150 | RM200 | RM300 | RM400 | RM500 |
| Room days | No limit | No limit | No limit | No limit | No limit |
| Surgical fees | As charged | As charged | As charged | As charged | As charged |
| Intensive Care Unit | No limit | No limit | No limit | No limit | No limit |
| Admission | Cashless | Cashless | Cashless | Cashless | Cashless |
A deductible option may apply — refer to the PDS. The basic benefit (Death & TPD) is separate from this medical rider.
Important to know
Waiting periods
- Medical rider — accident none, general illness 30 days, specified illness 120 days
- Critical illness rider — general 30 days, cancer & heart 60 days
- Critical illness survival period — 30 days after diagnosis
- Pre-existing conditions — not covered
Key exclusions
- Suicide within 1 year (basic benefit)
- TPD from intentional self-inflicted injury
- Pre-existing conditions (riders)
- Intentional self-injury; alcohol/narcotics
- HIV/AIDS (except where covered)
- Criminal activity, riot, terrorism
Good to know
- 31-day grace period (charges deducted from Account Value if sufficient)
- 15-day free-look period for a full refund
- Surrender charge: Year 1–6 40% of the basic component annual contribution, Year 7–10 10%, Year 11+ 0%
- Investment value can rise & fall — you bear the risk entirely.
How to claim & get started
- Panel hospital (cashless): tell them you’re covered under Etiqa Family Takaful; the hospital arranges a Guarantee Letter and Etiqa settles the bill (you pay any deductible).
- Non-panel hospital: pay first, then submit the claim via the Etiqa+ app for reimbursement.
- Download the Etiqa+ app to access your certificate, submit claims and manage the plan.
- Review the Takaful Certificate, PDS, Marketing Illustration and the PDS of each rider attached.
Common questions
What is ElitePlus Takafulink?
An investment-linked takaful plan from Etiqa that combines Shariah-compliant protection (Death & TPD) with investment. You can add medical, critical illness and accident riders.
Is this a pure investment product?
No. The value is tied to investment-fund performance, and you bear the investment risk entirely.
What if I miss a payment?
There is a 31-day grace period. If the Account Value is sufficient, charges are deducted from it. If insufficient, the certificate may lapse.
Can I withdraw money?
Yes. Partial withdrawals from a minimum of RM500, and the account must stay above RM5,000.
Can I change my investment fund?
Yes. Fund switching is free and unlimited between all available Shariah-compliant funds.
What is a deductible?
A fixed amount you pay out of pocket before medical cover begins (e.g. an RM500 deductible = you pay the first RM500).
Important disclaimer. This information is general education only and is not the terms of your takaful certificate. Refer to the Product Disclosure Sheet (PDS), Marketing Illustration and your takaful certificate for the actual terms. ElitePlus Takafulink is operated by Etiqa Family Takaful Berhad, regulated under IFSA 2013 by Bank Negara Malaysia. This is an investment-linked takaful product tied to the performance of underlying assets — investment value can rise and fall. PIDM protection on the unit portion is subject to limitations. Raff Abdullah is a Marketing Representative under Capspring Temasik, not a licensed financial adviser.
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