Death & TPD
Pays the Sum Covered + Account Value (TPD subject to an RM2 million cap).
Welcome aboard 
Raff Abdullah Your Marketing Representative · Capspring Temasik
Congratulations: you’re now covered by ElitePlus Takafulink.
You just did something big for the people you love. Now you can breathe a little easier. There are only a few simple steps left, and I’ll be right beside you for each one.
Tak susah. Janji faham.
Raff Abdullah Your Marketing Representative · Capspring Temasik This is your onboarding guide to help you get started. Save it and refer back whenever you need help, or just message me.
Onboarding · step by step
Let’s get you set up, one step at a time.
6 simple steps · just a few minutes
- 1
Save my number, the most important step. Tap the button; your Contacts open with my details already filled in. Just tap Save. So you can reach me anytime, especially in an emergency, and get important updates. I also send urgent alerts by WhatsApp broadcast, and WhatsApp only delivers a broadcast to people who have saved my number, so save it to make sure you never miss one. ＋ Save my numberMy number: 012-216 9041
- 2
Register your account. Sign up on the Etiqa customer portal to check your details, manage your certificate and download your documents.
- 3
Download the Etiqa+ app. Install from the App Store or Google Play, and register. New to it? See the Etiqa+ app guide (PDF).
- 4
Check your details & download your e-certificate. Confirm your full name, IC number, date of birth and nominee are correct, then download your Takaful Certificate/PDS and share a copy with your family or next of kin. Also review the PDS of each rider attached.
- 5
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).
- 6
Non-panel hospital: pay first, then submit the claim via the Etiqa+ app for reimbursement.
Important: make sure your full name, IC number and nominee are exactly correct. Wrong details can delay or affect your claim. Spot anything off? Message me right away and we’ll fix it.
What you’re covered for
Here’s the core protection you get with ElitePlus Takafulink:
The figures on this page are the plan’s standard benefits. Your actual sum covered, limits and riders depend on the plan you chose. Always refer to your own policy (certificate & PDS) for your exact numbers.
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: a high annual limit up to RM2.3 million, no lifetime limit, with deductible options.
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 (Takafulink Medical Plus)
Not sure which plan you’re on? Check your app or policy to see the plan you chose.
| Plan 1 | Plan 2 | Plan 3 | Plan 4 | Plan 5 | |
|---|---|---|---|---|---|
| Daily room & board | RM150 | RM200 | RM300 | RM400 | RM500 |
| Overall annual limit | RM1m | RM1.5m | RM1.8m | RM2m | RM2.3m |
| Lifetime limit | None | None | None | None | None |
| Surgery, ICU & hospital | As charged | As charged | As charged | As charged | As charged |
| Admission | Cashless | Cashless | Cashless | Cashless | Cashless |
Annual limits in millions (m). Deductible options: none, or RM2,000 / RM10,000 / RM20,000 / RM40,000 a year. Refer to the PDS for full benefits. The basic benefit (Death & TPD) is separate from this medical rider.
Important things to know
Waiting & contestability periods
- Accidents: no waiting period
- General illness: 30 days
- Specified illness: 120 days, namely:Hypertension, diabetes & cardiovascular diseaseAll tumours, cysts, nodules & polypsStones of the urinary & biliary systemsEar, nose & throat (ENT) conditionsHernias, haemorrhoids, fistulae, hydrocele, varicoceleReproductive system incl. endometriosisSpine (incl. slipped disc) & knee conditions
- Pre-existing conditions: not covered
- Contestability period: the first 2 years. The operator may investigate claims during this time; after that your certificate becomes incontestable, except for fraud or a non-disclosed pre-existing condition.
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
Questions you might have
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?
An amount you pay yourself before medical cover begins. For Takafulink Medical Plus, choose no deductible, or RM2,000 / RM10,000 / RM20,000 / RM40,000 a year. A deductible option can auto-convert to full cover before age 60, handy if you have employer cover now but want to be fully covered in retirement.
How high is the medical cover?
An annual limit up to RM2.3 million (by plan) and no lifetime limit. Medical cover runs to age 88, with guaranteed renewal (contribution rates not guaranteed).
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.
More ways I can help
Your protection goes beyond takaful. When you’re ready, here are a few other things I handle for clients.
I’m here for you
I’ve got you, all the way through to claims.
From here, you’re not on your own. To ask something, make a claim, or just double-check anything, text or call me anytime.
Message Raff on WhatsAppor call me at 012-216 9041
Raff Abdullah