1. Product Overview

IKHLAS Secure Travel Takaful provides coverage for a variety of unforeseen events that can occur before or during a trip, such as trip cancellation or interruption, medical emergencies, lost or stolen luggage, and more. This product is well-suited for individuals or family who are traveling for leisure or business, as well as those who are in adventure sports.

Eligibility: Individuals between the age of 30 days to 80 years old. However, the age of the child can be extended to twenty-three (23) years if the child remains in full-time education.

Emergency Travel Helpline: +603 2302 0006
Reference / Source: https://www.takaful-ikhlas.com.my/api/uploads/TI_IST_0323_Brochure_v13_b043c53a10.pdf

2. Coverage at a Glance

Coverage Category	Description
Personal Accident	Pays a lump sum amount upon death or permanent disablement due to an accident.
Medical & Other Related	Medical expenses, follow-up treatment, alternative treatment, compassionate care, child guard, hospital allowance and dispatch of medicine.
Emergency Medical	Repatriation expenses, emergency medical evacuation and funeral expenses.
Travel Inconvenience	Travel delay, travel cancellation or curtailment, travel misconnection, missed departure, overbooking, loss of travel deposit, baggage delay, rental car excess, hijacking and travel fraud.
Losses of Personal Belongings	Loss or damage to luggage and personal effects, travel documents, personal money, home care and credit card.
Personal Liability	Legal liability to third parties due to accidental injury or property loss/damage.
Other Benefits	Badal Hajj and Waqf.
Optional Add-ons	COVID-19, adventurous activities and loss of electronic devices.

3. Benefits and Limits

Maximum sum covered per person (RM), unless stated otherwise. Columns: Domestic, International Silver, Gold, Platinum and Diamond.

A — Personal Accident Benefits

Benefit	Domestic	Silver	Gold	Platinum	Diamond
A1 A1 - Accidental Death or Permanent Disability	75,000	100,000	300,000	500,000	1,000,000

B — Medical & Other Related Benefit

Benefit	Domestic	Silver	Gold	Platinum	Diamond
B1 B1 - Medical Expenses (up to)	75,000	100,000	300,000	500,000	1,000,000
B2 B2 - Follow Up Treatment (up to)	7,500	10,000	30,000	50,000	100,000
B3 B3 - Alternative Medical Treatment (up to) Not	500	500	500	—	—
B4 B4 - Compassionate Care (up to)	5,000	7,500	10,000	15,000	—
B5 B5 - Child Guard Benefit (up to)	3,000	5,000	10,000	15,000	—

Benefit	Domestic	Silver	Gold	Platinum	Diamond
B6 B6 - Hospital Allowance (Max 30 days) Daily cash benefit for each complete day	2,250	3,000	6,000	9,000	10,500
B7 B7 - Dispatch of Medicine (up to) Reimburse the person covered up to the	1,000	1,500	2,000	—	—
D6 D6 - Travel Overbooked (up to)	2,000	5,000	10,000	—	—
D7 D7 - Loss of Travel Deposit due to Insolvency of Travel Agent (up to)	1,000	1,500	3,000	5,000	10,000
D8 D8 - Baggage Delay	250	500	1,000	1,500	2,000
D9 D9 - Rental Car Excess Cover (up to)	250	500	1,000	1,500	2,000
D10 D10 - Hijacking Inconvenience (after 24 hours)	10,000	25,000	50,000	—	—
D11 D11 - Travel Fraud (up to)	2,500	5,000	7,500	10,000	—
H5 H5 - Repatriation expenses of death due to COVID-19 (up to)	100,000	100,000	100,000	100,000	—
H6 H6 - Funeral Expenses due to	10,000	10,000	10,000	10,000	—

C — Emergency Medical Evacuation & Repatriation

Benefit	Domestic	Silver	Gold	Platinum	Diamond
C1 C1 - Repatriation Expenses (up to)	500,000	1,000,000	1,500,000	2,000,000	—
C2 C2 - Emergency Medical	500,000	1,000,000	1,500,000	2,000,000	—
C3 C3 - Funeral Expenses	2,000	2,500	5,000	7,500	10,000

D — Travel Inconvenience

Benefit	Domestic	Silver	Gold	Platinum	Diamond
D1 D1 - Travel Delay                             Ma	000	1,500	3,000	5,000	10,000
D2 D2 - Travel Cancellation (up to)              No	5,000	15,000	25,000	35,000	—
D3 D3 - Travel Curtailment (up to)               No	5,000	15,000	25,000	35,000	—
D4 D4 - Travel Misconnection                     No	400	500	600	700	—
D5 D5 - Missed Departure (up to)                 No	1,000	5,000	10,000	—	—

E — Losses of Personal Belongings (Up to)

Benefit	Domestic	Silver	Gold	Platinum	Diamond
E1 E1 - Loss or Damage to Luggage & Personal Effects (up to)	1,000	2,500	5,000	7,500	10,000
E2 E2 - Loss of Travel Documents (up to)	500	1,000	2,500	5,000	7,500
E3 E3 - Loss of Personal Money	200	500	500	1,000	2,000
E4 E4 - Home Care - limited to RM500	1,000	2,000	3,000	4,000	—
E5 E5 - Loss of Credit Card (up to)	2,500	5,000	7,500	—	—

F — Personal Liability

Benefit	Domestic	Silver	Gold	Platinum	Diamond
F1 F1 - Personal Liability	200,000	250,000	1,000,000	1,500,000	2,000,000

G — Others

Benefit	Domestic	Silver	Gold	Platinum	Diamond
G1 G1 - Badal Hajj	3,500	3,500	3,500	3,500	—
G2 G2 - Waqf	—	—	—	—	—

H — Add On Coverage - COVID-19

Benefit	Domestic	Silver	Gold	Platinum	Diamond
H1 H1 - Death due to COVID-19	100,000	300,000	500,000	1,000,000	—
H2 H2 - Trip Cancellation due to COVID-19 (up to)	5,000	5,000	5,000	5,000	—
H3 H3 - Medical Expenses overseas due	300,000	300,000	300,000	300,000	—
H4 H4 - Emergency medical evacuation and repatration due to COVID-19 (up to)	100,000	100,000	100,000	100,000	—

I — Add On Coverages - Others

Benefit	Domestic	Silver	Gold	Platinum	Diamond
I1 I1 - Adventurous Activities (up to)	Available	Available	Available	Available	—

A — and Medical & Other Expenses

Benefit	Domestic	Silver	Gold	Platinum	Diamond
I2 I2 - Loss of Electronic Devices (up to)	2,500	5,000	7,500	15,000	—

4. Area of Coverage

Area	Coverage
Area 1 — Domestic	Malaysia
Area 2 — Asia (Selected)	Australia, Brunei, Cambodia, China, Hong Kong, Macau, India, Indonesia, Japan, South Korea, Laos, Maldives, Myanmar, New Zealand, Pakistan, Philippines, Singapore, Sri Lanka, Taiwan, Thailand and Vietnam.
Area 3 — Worldwide 1	Worldwide excluding USA & Canada. For Umrah/Hajj, select Worldwide 1 (Area 3).
Area 4 — Worldwide 2	Worldwide including USA & Canada.

6. Important Notes

1. This is non exhaustive. Please refer to the Takaful Certificate for the full list of conditions under this Takaful Certificate.

2. You must disclose all material facts such as medical condition and your age correctly. Please note that it is your duty to take reasonable care not to make a misrepresentation in answering the questions and in making the disclosure.

3. Before participating in this plan, you should satisfy yourself that the plan will best serve your needs and the contribution prescribed for this plan is an amount you can afford.

4. The contribution due must be paid in full and received by us before the effective date of takaful or renewal of the certificate. If this condition is not complied with then the certificate shall not be effective and shall become void.

5. The limit per conveyance is up to RM18,000,000.00.

6. General exclusion: If travel in, to or through countries or regions which are subject to war, conflict, or quarantine for contagious disease or sanction countries: Belarus, Cuba, Democratic Republic of Congo, Iran, Iraq, North Korea, Israel, Syria, Somalia, Sudan, South Sudan, Ukraine, Zimbabwe.

7. Claims Guide

Create a claim online via GO Serve by Takaful IKHLAS to keep track of its progress.

Step 1: Visit GO Serve by Takaful IKHLAS and click Non-Motor to begin.

Step 2: Choose your claim type.

Step 3: Fill in the details and describe the incident.

Step 4: Upload all necessary documents.

Step 5: Submit!

Have all relevant documents/receipts ready as evidence of incident. Takaful IKHLAS may contact you for additional documents and may appoint a loss adjuster to evaluate the claim.

8. Contact Information

Takaful IKHLAS General Berhad
5th Floor, Bangunan Malaysian Re
No.17, Lorong Dungun, Damansara Heights
50490 Kuala Lumpur

Website: www.takaful-ikhlas.com.my
Tel: 03-2723 9696
Fax: 03-2723 9998
Email: ikhlascare@takaful-ikhlas.com.my

For full details on exclusions, terms and conditions, kindly refer to the Certificate Wording.