What is SunLink Istismar? It is a regular contribution investment-linked plan that offers Takaful protection and potential investment return up to the

SUNLINK ISTISMAR A caring plan that takes care of all your lifestyle needs. V.3

What is SunLink Istismar? It is a regular contribution investment-linked plan that offers Takaful protection and potential investment return up to the age of 99. Besides the coverage against Death and Total and Permanent Disability (TPD), SunLink Istismar lets you invest in your desired fund(s) and take full advantage of top-up, fund switching and partial withdrawal. So whatever it is that you have in mind, be it raising a young family, preparing for your child s education, starting your own business or planning for your retirement, you can be sure that you have the flexibility to choose what you need to meet your financial goals and obligations. What s more, it is a smart plan that gives you the freedom to select and include various riders such as Takaful Hospitalisation and Surgical, Takaful Multiple Pay Critical Illness, Takaful Accidental Death, Takaful Weekly Disability Income and Takaful Waiver of Contribution for extra financial security. With SunLink Istismar, you can now journey through life confidently with no worries. More about SunLink Istismar This plan provides the following benefits: Death TPD Surrender Upon maturity at the age of 99 Sum covered plus value of investment account Sum covered plus value of investment account (TPD coverage shall cease on the contract anniversary, immediately following the person covered s 65 th birthday) Surrender value is equivalent to the value of investment account, which is calculated with reference to the value of units withdrawn at the price on the valuation date, immediately following the receipt of request to withdraw Sum covered plus value of investment account Contribution term & payment Contribution term is the same as the contract term. Minimum Takaful contribution is RM2,400 per annum and payment can be made on a monthly, quarterly, half yearly or yearly basis via credit card or direct debit. Contract term 99 years minus person covered s age at entry.

Eligibility (Age last birthday basis) Person Covered Contract Holder Minimum age of entry 30 days old 18 years old Maximum age of entry 65 years old No limit 1 Maximum expiry age 99 years old Not applicable 1 Applicable only for basic plan without rider. Investment-linked funds Based on individual s financial goal and risk tolerance, you may invest in one or more of the following professionally managed investment-linked funds of your choice: Fund Objective & Strategy Sun Life Malaysia Islamic Bond Fund Fund objective: To provide returns in income mainly through Malaysian Shariah-compliant bonds (Sukuk) and other Shariah-compliant fixed income securities. Fund strategy: The fund s Net Asset Value (NAV) may be invested in the Malaysian Shariah-compliant fixed income securities carrying a minimum of AA3 or P1 or equivalent as determined by rating agencies established in Malaysia. In line with its objective, the investment strategy and policy of the fund is to invest in diversified approved fixed income securities. The asset allocation of the fund is at least 80% in Shariah-compliant fixed income securities at all times. Fund manager: Sun Life Malaysia Takaful Berhad Sun Life Malaysia Islamic Equity Fund Fund objective: To provide capital growth over the medium to long-term time frame mainly through various growth-oriented Shariahcompliant equities from the list of Shariahcompliant securities by Shariah Advisory Council of the Securities Commission Malaysia. Fund strategy: The fund may invest up to 98% of its Net Asset Value (NAV) in Shariah-compliant equities from the list of Shariah-compliant securities by Shariah Advisory Council of the Securities Commission Malaysia. The strategy of the fund will focus on investment in shares of companies with growth potential and listed on the main board of Bursa Malaysia Berhad. The asset allocation of the fund is as follows: At least 80% in Shariah-compliant equities at all times; and

Investment-linked funds (cont d.) Fund Objective & Strategy Sun Life Malaysia Islamic Equity Fund (cont d.) The balance in Shariah-compliant liquid assets Fund manager: Sun Life Malaysia Takaful Berhad Sun Life Malaysia AIIMAN Select Income Fund Fund objective: This fund feeds into Affin Hwang AIIMAN Select Income Fund ( target fund ) with the objective to provide investors with regular income stream through Shariah-compliant investments. Sun Life Malaysia Islamic Asia Pacific Equity Fund Fund Strategy: The target fund will invest in a diversified portfolio of Sukuks, Shariahcompliant equities and Islamic money market instruments. The investments in Sukuks would consist of Malaysian and foreign-issued Sukuks whether issued by government or companies. The target fund seeks to invest in foreign markets where the regulatory authorities are members of the International Organization of Securities Commissions ( IOSCO ). These include, but are not limited to the following countries: Australia, Bahrain, China, Egypt, Hong Kong, India, Indonesia, Kazakhstan, Korea, Philippines, Saudi Arabia, Singapore, Taiwan, Thailand, Turkey, Qatar and United Arab Emirates. The asset allocation of the target fund is as follows: Sukuk and Islamic money market instruments: Minimum 60%, maximum 100% Shariah-compliant equities: Maximum 40% Cash and Shariah-compliant deposits with financial institutions: The remaining balance Fund manager: Affin Hwang Asset Management Berhad (formerly known as Hwang Investment Management Berhad) Fund objective: This fund feeds into CIMB Islamic Asia Pacific Equity Fund ( target fund ) with the objective to achieve long-term capital appreciation and income while complying with Shariah investment criteria, through investments in the emerging and developed markets of Asia Pacific (ex Japan) region. Fund Strategy: The target fund is predominantly an equity fund which invests through equity

Investment-linked funds (cont d.) Fund Objective & Strategy Sun Life Malaysia Islamic Asia Pacific Equity Fund (cont d.) securities of companies domiciled in, listed in, and/or have significant operations in the emerging and developed markets of Asia Pacific (ex Japan), i.e. Hong Kong SAR, Taiwan, Korea, the People s Republic of China, Indonesia, Malaysia, India, Thailand, the Philippines, Sri Lanka, Singapore, Australia and New Zealand. The investments in Sukuk must satisfy a minimum rating requirement of at least a BBB3 or P2 rating by RAM or equivalent rating by MARC or by local rating agency(ies) of the country; BB by S&P or equivalent rating by Moody s or Fitch. The asset allocation of the target fund is as follows: Equities: Minimum 70%, maximum 98% Sukuk and deposits: Maximum 30% Liquid assets: Minimum 2% Fund manager: CIMB-Principal Asset Management Berhad Sun Life Malaysia Islamic World Equity Fund Fund objective: This fund feeds into Aberdeen Islamic World Equity Fund ( target fund ) with the objective to achieve capital appreciation in the long term through investments in an international portfolio of Shariah-compliant equities and equityrelated securities. Fund Strategy: The target fund invests 90%- 100% of its Net Asset Value (NAV) in Shariahcompliant equities and equity-related securities. The remainder of the NAV of the target fund not invested in Shariah-compliant equities and equityrelated securities will be invested in Islamic liquid asset and/or held in cash. The asset allocation of the target fund is as follows: Shariah-compliant equities and equity-related securities: Minimum 90%, maximum 100% Islamic liquid assets and/or Cash: Minimum 0%, maximum 10% Equities selection for the fund: including, but not limited to Canada, United States of America, United Kingdom, France, Germany, Italy, Netherlands, Sweden, Switzerland, Japan, Australia, China, Hong Kong, Korea, Singapore, Taiwan, Brazil and Mexico equities. Fund manager: Aberdeen Islamic Asset Management Sdn. Bhd.

Top-up Minimum Scheduled Top-up Contribution RM50 (in multiples of RM10) per month Single Top-up Contribution RM500 (in multiples of RM10) per transaction Maximum No limit No limit Contribution allocation The allocated contributions will be directed into the funds selected by the contract holder. Contribution Year Allocated Contribution (% of Takaful Contribution) Allocated Contribution (% of Top-up Contribution) 1 40% 95% 2 60% 95% 3 70% 95% 4 80% 95% 5-6 90% 95% 7 and onwards 100% 95% The unallocated contribution (wakalah fee) will be utilised for commission and management expenses. Contribution Year Unallocated Contribution (% of Takaful Contribution) Unallocated Contribution (% of Top-up Contribution) 1 60% 5% 2 40% 5% 3 30% 5% 4 20% 5% 5-6 10% 5% 7 and onwards 0% 5% Fees & charges Tabarru Tabarru for the Takaful benefits including optional riders (if any) shall be collected by redeeming units from the value of investment account at the unit price on the contract issue date and on each contract monthly anniversary. The Tabarru (inclusive of the unit deducting rider s fee on Tabarru ) collected is subject to Goods and Services Tax (GST 2 ), where applicable.

Fees & charges (cont d.) Monthly fee RM5.30 (inclusive of GST 2 ) per contract per month will be applied by redeeming units from the value of the investment account at the unit price on the contract issue date and on each contract monthly anniversary. Unit deducting rider s fee on Tabarru Switching fee Withdrawal fees Fund management fees (FMF) The current unit deducting rider s fee on Tabarru is 20% of the rider s Tabarru, which forms part of the rider s Tabarru collected. Unit deducting rider s fee on Tabarru is only applicable to the attached unit deducting rider(s) (if any). No charges for the first 3 fund switches for every contract year. Subsequent switches are subject to RM53 (inclusive of GST 2 ) per switch. RM53 (inclusive of GST 2 ) per transaction from the partial withdrawal amount. Please refer to the Fund Fact Sheet for details and charges. Note: All fees & charges are not guaranteed and any changes will be notified to you in writing at least 90 days prior to the effective date. 2 The Goods and Services Tax (GST) as per Goods and Services Tax Act 2014 is currently at 6%. The prevailing rate of GST is subject to change. Surplus sharing Tabarru collected will be allocated into the participants Tabarru fund (PTF). It will be used to help all persons covered who are in financial hardship and to pay the final benefit. At the end of each year, any surplus declared from the PTF after repayment of Qard (if any) will be shared between you and us at the ratio of 50:50. Commissions Below are the sample commissions (as a percentage of Takaful contribution) based on Takaful contribution of RM2,400 per annum: Contract Year 1 2 3 4 5 6 Commission rate (%) 20 5 5 5 5 5 Commission 480 120 120 120 120 120 Contract Year 7 8 9 10 Thereafter Commission rate (%) 5 5 5 5 0 Commission 120 120 120 120 0 1) For scheduled top-up contribution/single top-up contribution, 3.75% commission is payable and borne by the contract holder.

Commissions (cont d.) 2) Production bonus (5% of the 1 st year Takaful contribution) and persistency bonus (10% of 2 nd and 3 rd year Takaful contribution) are payable and borne by contract holder. Riders for added protection SunLink Istismar gives you the freedom to choose and include various unit-deducting riders to your basic plan: 1) Takaful Hospitalisation and Surgical Benefit Rider 2) Takaful Multiple Pay Critical Illness Benefit Rider 3) Takaful Accidental Death Benefit Rider 4) Takaful Weekly Disability Income Benefit Rider 5) Takaful Person Covered Waiver of Contribution Benefit Rider 6) Takaful Contract Holder Waiver of Contribution Benefit Rider Please refer to the contract documents for the full list of terms, conditions and exclusions under these riders. 1) Takaful Hospitalisation and Surgical Benefit Rider With the emergence of new diseases and the rise of accidents everyday, medical care has become a necessity for everyone. Our Takaful Hospitalisation and Surgical Benefit Rider helps reduce the financial burden due to escalating medical cost. Schedule of benefits Plan Benefits Plan A Plan B Plan C Plan D A) Hospital Room and Board 3 Hospital room and board (maximum of 180 days per year) Intensive care unit (maximum of 60 days per year) B) Hospitalisation Expenses Hospital supplies and services C) Expenses For Surgical Cases Surgical fees (subject to surgical schedule) Anesthetist s fees Operating theatre fees 150 250 350 500 As charged As charged As charged

Schedule of benefits (cont d.) Plan Benefits Plan A Plan B Plan C Plan D C) Expenses For Surgical Cases (cont d.) Pre-hospital diagnostic services (within 90 days prior to hospital admission) Post-hospital treatment (within 60 days after hospital discharge) As charged D) Expenses For Non-Surgical Cases In-hospital physician visit (maximum of 120 days per year and 2 visits per day) Pre-hospital specialist consultation (within 90 days prior to hospital admission) Post-hospital treatment (within 60 days after hospital discharge) Emergency accidental dental treatment (within 24 hours after the accident) Emergency outpatient accidental treatment (within 24 hours after the accident) Day surgery procedure Emergency outpatient sickness treatment (from 12am to 6am) Ambulance fees Government hospital daily cash allowance (maximum of 180 days per year) Major organ transplant 4 (once per life time) As charged 50 50 50 50 As charged

Schedule of benefits (cont d.) Plan A Plan Benefits Plan B Plan C Plan D D) Expenses For Non-Surgical Cases (cont d.) Medical report fees 100 100 100 100 Out-patient cancer treatment Out-patient kidney dialysis treatment Home nursing care (maximum per disability) Goods and Services Tax (GST) As charged 500 750 1,000 1,500 As charged Overall Annual Limit 75,000 125,000 175,000 250,000 Overall Lifetime Limit 750,000 1,250,000 1,750,000 2,500,000 3 In the event of upgrading the room and board, the person covered shall bear the full differences between the actual charges and the eligible room and board benefit and 20% of the other eligible benefits under the hospital bill. 4 Covers the cost of major organ transplant of the person covered, as the recipient of the organ harvested and not the living donor. 2) Takaful Multiple Pay Critical Illness Benefit Rider Takaful Multiple Pay Critical Illness Benefit Rider provides additional coverage on critical illnesses which allows the person covered to make as many as 4 claims and up to 4 times of the rider s sum covered will be payable to you through the rider term. Each critical illness diagnosis will be from different grouping of critical illnesses except for Angioplasty and Other Invasive Treatments for Coronary Artery Disease and Cancer. This rider also covers for 2 occurences of Cancer provided that the maximum payable limit has not been reached. In the event of Angioplasty and Other Invasive Treatments for Coronary Artery Disease, only 10% of rider s sum covered or a maximum of RM25,000 will be payable. Grouping of critical illnesses: Group 1 Angioplasty and Other Invasive Treatments for Coronary Artery Disease Coronary Artery By-Pass Surgery Heart Attack Kidney Failure

Riders for added protection (cont d.) Group 1 (cont d.) Major Organ Transplant (Kidney) Medullary Cystic Disease Serious Coronary Artery Disease Stroke Systemic Lupus Erythematosus with Severe Kidney Complications Group 2 Cardiomyopathy Heart Valve Surgery Major Organ Transplant (Heart) Surgery to Aorta Group 3 Benign Brain Tumor Blindness Permanent and Irreversible Brain Surgery Coma Deafness Permanent and Irreversible Loss of Speech Major Head Trauma Third Degree Burns Group 4 End-Stage Liver Failure End-Stage Lung Disease Fulminant Viral Hepatitis Major Organ Transplant (Liver/Lung/Pancreas) Primary Pulmonary Arterial Hypertension Group 5 Alzheimer s Disease/Severe Dementia Bacterial Meningitis Encephalitis Loss of Independence Existence Motor Neuron Disease Multiple Sclerosis Muscular Dystrophy Paralysis of Limbs Parkinson s Disease Group 6 Cancer Chronic Aplastic Anemia HIV Infection Due To Blood Transfusion Major Organ/Bone Marrow Transplant

Riders for added protection (cont d.) 3) Takaful Accidental Death Benefit Rider Takaful Accidental Death Benefit Rider will ensure you and your family are financially protected at all times in the unfortunate event of death. Takaful Accidental Death Benefit Rider provides additional 100% of rider s sum covered coverage in the event the person covered dies due to accidental causes. 4) Takaful Weekly Disability Income Benefit Rider Disability due to an accident or illness can result in a loss of income. Our Takaful Weekly Disability Income Benefit Rider can go a long way in assisting you and your family by providing continuous income in your time of need. This rider provides weekly disability income for up to 52 weeks in the event the person covered suffers from disability due to illness (which results in hospitalisation) or accident. 5) Takaful Person Covered Waiver of Contribution Benefit Rider We understand that your family s well-being is your number one priority. More than anything, you want to ensure that their needs are taken care of and their future is secured at all times especially should you fall critically ill. Takaful Person Covered Waiver of Contribution Benefit Rider waives all future contributions until the expiry of the basic plan upon diagnosis of any 1 of the covered 36 critical illnesses. 6) Takaful Contract Holder Waiver of Contribution Benefit Rider There is nothing more important than protecting your family and making sure that their needs are met. You work hard everyday to provide for them but will it be enough to ensure a secured future for them? Takaful Contract Holder Waiver of Contribution Benefit Rider waives all future contributions until the expiry of the rider term in the event the contract holder dies, suffers from TPD or upon diagnosis of any 1 of the covered 36 critical illnesses. TPD coverage shall cease on the contract anniversary, immediately following the contract holder s 65th birthday.

List of 36 Critical Illnesses (for Takaful Person Covered Waiver of Contribution Benefit Rider and Takaful Contract Holder Waiver of Contribution Benefit Rider) 1 Alzheimer s Disease/Severe Dementia 2 Bacterial Meningitis 3 Benign Brain Tumor 4 Blindness Permanent and Irreversible 5 Brain Surgery 6 Cancer 7 Cardiomyopathy 8 Chronic Aplastic Anemia 9 Coma 10 Coronary Artery By-Pass Surgery 11 Deafness Permanent and Irreversible 12 Encephalitis 13 End-Stage Liver Failure 14 End-Stage Lung Disease 15 Fulminant Viral Hepatitis 16 Heart Attack 17 Heart Valve Surgery 18 HIV Infection Due To Blood Transfusion 19 Kidney Failure 20 Loss of Independence Existence 21 Loss of Speech 22 Major Head Trauma 23 Major Organ/Bone Marrow Transplant 24 Medullary Cystic Disease 25 Motor Neuron Disease 26 Multiple Sclerosis 27 Muscular Dystrophy 28 Paralysis of Limbs 29 Parkinson's Disease

List of 36 Critical Illnesses (cont d.) (for Takaful Person Covered Waiver of Contribution Benefit Rider and Takaful Contract Holder Waiver of Contribution Benefit Rider) 30 Primary Pulmonary Arterial Hypertension 31 Serious Coronary Artery Disease 32 Stroke 33 Surgery to Aorta 34 Systemic Lupus Erythematosus with Severe Kidney Complications 35 Terminal Illness 36 Third Degree Burns Exclusions (Note: This list is non-exhaustive. Please refer to the contract documents for further information on exclusions) Benefits Death Benefit TPD Benefit Exclusions Only the value of the investment account will be payable if death of the person covered is due to suicide (while sane or insane) within 12 months from the contract issue date or reinstatement date, whichever is later. No benefit shall be payable if the TPD is due to: Active duty in navy, army, air force, fire service and police; AIDS; Air travel other than commercial flights; Breach of law; Misuse of drugs or alcohol; Any attempted suicide or self-inflicted injury (while sane or insane); or Strike, riot, civil commotion. Takaful Hospitalisation and Surgical Benefit Rider No benefit shall be payable if hospitalisation, surgery or charges caused directly or indirectly, wholly or partly, by any one of the following occurrences: AIDS; Air travel other than commercial flights; Any attempted suicide or self-inflicted injury (while sane or insane); Circumcision or sterilisation procedures; Congenital abnormalities; Cosmetic or plastic surgery;

Exclusions (cont d.) Benefits Takaful Hospitalisation and Surgical Benefit Rider (cont d.) Takaful Multiple Pay Critical Illness Benefit Rider Exclusions Dental treatment or oral surgery; External prosthetic appliances or devices; Hazardous sports; Misuse of drugs or alcohol; Medical or physical conditions arising within waiting period; Treatment for alcoholic or drug addiction; Organ donation; Pregnancy, childbirth, miscarriage or abortion; Pre-existing condition; Psychotic, mental or nervous disorders; Radiation or contamination from nuclear; Sex changes; Specified illnesses; or Strike, riot, civil commotion. No benefit shall be payable if critical illness caused directly or indirectly, wholly or partly, by any one of the following occurrences: AIDS; Congenital conditions; Critical illness within waiting period except for critical illness conditions due to accidental injuries; Dies within survival period; Misuse of alcohol or drugs; Participating in any avocation/activities such as racing of any kind, aerial sports, scuba diving, professional sports; Pre-existing condition; Self-inflicted injuries while sane or insane; or War, biological/chemical warfare, terrorism. Takaful Accidental Death Benefit Rider No benefit shall be payable if accidental death caused directly or indirectly, wholly or partly, by any one of the following occurrences: Air travel other than commercial flights; Any attempted suicide or self-inflicted injury (while sane or insane); Criminal act; Hazardous sports; Misuse of drugs or alcohol; Pregnancy or childbirth; Pre-existing physical or mental defect; or Strike, riot, civil commotion.

Exclusions (cont d.) Benefits Takaful Weekly Disability Income Benefit Rider Takaful Person Covered Waiver of Contribution Benefit Rider Exclusions No benefit shall be payable if temporary total disability or temporary partial disability caused directly or indirectly, wholly or partly, by any one of the following occurrences: Air travel other than commercial flights; Any attempted suicide or self-inflicted injury (while sane or insane); Criminal act; Hazardous sports; Misuse of drugs or alcohol; Pregnancy or childbirth; Pre-existing condition; Strike, riot, civil commotion; or Disability due to illness within waiting period. No future contribution shall be waived if critical illness caused directly or indirectly, wholly or partly, by any one of the following occurrences: AIDS; Congenital conditions; Critical illness within waiting period except for critical illness conditions due to accidental injuries; Misuse of alcohol or drugs; Participating in any avocation/activities such as racing of any kind, aerial sports, scuba diving, professional sports; Pre-existing condition; Self-inflicted injuries while sane or insane; or War, biological/chemical warfare, terrorism. Takaful Contract Holder Waiver of Contribution Benefit Rider No future contribution shall be waived if: 1) Death is due to suicide (while sane or insane) within 12 months from the contract issue date or reinstatement date, whichever is later. 2) TPD is due to: Active duty in navy, army, air force, fire service, police; AIDS; Air travel other than commercial flights; Breach of law; Misuse of alcohol or drugs; Any attempted suicide or self-inflicted injury (while sane or insane); or Strike, riot, civil commotion.

Takaful Contract Holder Waiver of Contribution Benefit Rider (cont d.) 3) Critical illness caused directly or indirectly, wholly or partly, by any one of the following occurrences: AIDS; Congenital conditions; Critical illness within waiting period except for critical illness conditions due to accidental injuries; Misuse of alcohol or drugs; Participating in any avocation/activities such as racing of any kind, aerial sports, scuba diving, professional sports; Pre-existing condition; Self-inflicted injuries while sane or insane; or War, biological/chemical warfare, terrorism. Important notes 1) This is a Takaful product that is tied to the performance of the underlying assets, and is not a pure investment product such as unit trust. 2) This is a product brochure and is not a contract document. Please refer to the Fund Fact Sheet, Benefit Illustration and Product Disclosure Sheet for more information on the plan as well as the contract documents for the complete terms and conditions of this plan. 3) You should be satisfied that this plan will best serve your needs and ensure that the contribution payable under this plan is an amount that you can afford. 4) If your participation involves a contribution of sizeable amount say RM5,000 and above, you should consider participating in a single contribution investment-linked plan as single contribution plans offer better allocation rates for investment. 5) You may cancel your contract within 15 days of its delivery and the amount of refund that you will receive is the sum of the unallocated contributions, the value of investment account as at the next valuation date and any Tabarru and contract fee that have been deducted, less any expenses incurred for any medical underwriting required. 6) If you terminate your contract in the early years, you may get back less than the amount that you have paid. 7) If you do not pay the contribution within 31 days of grace period, there will be a possibility that at any time your value of the investment account might be insufficient to support the basic contract and the rider(s) attached (if any) and your contract will lapse. 8) The contribution amount paid is allowed as an income tax deduction subject to the Inland Revenue Board. 9) All taxes, including without limitation any goods and services tax, and/or other forms of sales or consumption tax, whether currently in force or implemented after the date of the contract will be charged in accordance with the applicable legislation at the prevailing rate. Where necessary, we will amend the terms of the contract to take into account any such tax.

Important notes (cont d.) 10) This plan is managed by Sun Life Malaysia Takaful Berhad (689263-M), a Takaful operator registered with Bank Negara Malaysia under the Islamic Financial Services Act 2013. 11) This plan is distributed by CIMB Islamic Bank Berhad (671380-H). CIMB Bank Berhad and CIMB Islamic Bank Berhad are co-located at Menara Bumiputra-Commerce, 11, Jalan Raja Laut, 50350 Kuala Lumpur, Malaysia. For more information, log on to www.cimbislamic.com.my, call +603 6204 7788 or visit any CIMB Islamic bank branch, co-located at CIMB Bank branches nationwide. Connect with us on: CIMB Malaysia CIMB_Assists Managed by Sun Life Malaysia Takaful Berhad (689263-M) Level 11, 338 Jalan Tuanku Abdul Rahman 50100 Kuala Lumpur, Malaysia Telephone (603) 2612 3600 Facsimile (603) 2698 7035 Customer Careline 1300-88-5055 sunlifemalaysia.com A joint venture between Sun Life Assurance Company of Canada and Renggis Ventures Sdn Bhd CIMB Islamic Bank Berhad (671380-H)

Apa itu SunLink Istismar? Ia adalah pelan berkaitan-pelaburan sumbangan berkala yang menawarkan perlindungan Takaful dan potensi pulangan pelaburan sehingga umur 99 tahun. Selain daripada perlindungan ke atas Kematian dan Hilang Upaya Menyeluruh dan Kekal (TPD), SunLink Istismar membolehkan anda melabur di dalam dana-dana yang anda inginkan dan menggunakan sepenuhnya kemudahan untuk penambahan, penukaran dana dan pengeluaran separa. Walau apa jua perancangan anda, sama ada mula berkeluarga, menyediakan pendidikan anak-anak, memulakan perniagaan sendiri atau merancang untuk persaraan, anda yakin dan tahu bahawa anda memiliki fleksibiliti untuk memilih apa yang anda perlukan untuk memenuhi keperluan dan matlamat kewangan anda. Bukan itu sahaja, ia adalah pelan pintar yang memberikan anda kebebasan untuk memilih pelbagai rider seperti Takaful Hospitalisation and Surgical, Takaful Multiple Pay Critical Illness, Takaful Accidental Death, Takaful Weekly Disability Income dan Takaful Waiver of Contribution sebagai jaminan kewangan tambahan. Dengan SunLink Istismar, kini anda mampu menjalani kehidupan dengan penuh yakin, tanpa dibelenggu kebimbangan. Mengenai SunLink Istismar Pelan ini menyediakan manfaat-manfaat berikut: Kematian Jumlah yang dilindungi bersama nilai akaun pelaburan TPD Jumlah yang dilindungi bersama nilai akaun pelaburan (Perlindungan TPD akan tamat pada ulang tahun kontrak, sejurus selepas hari lahir ke-65 orang yang dilindungi) Serahan Nilai serahan adalah bersamaan dengan nilai akaun pelaburan, yang dikira dengan merujuk kepada nilai unit-unit yang dikeluarkan pada harga semasa tarikh penilaian, sejurus selepas penerimaan permohonan untuk pengeluaran Apabila matang pada umur 99 tahun Jumlah yang dilindungi bersama nilai akaun pelaburan Tempoh dan bayaran sumbangan Tempoh sumbangan adalah bersamaan dengan tempoh kontrak. Sumbangan Takaful minimum adalah RM2,400 setahun dan bayaran boleh dibuat secara bulanan, suku tahunan, setengah tahunan atau tahunan dengan menggunakan kad kredit atau debit terus.

Tempoh kontrak 99 tahun ditolak umur kemasukan orang yang dilindungi. Kelayakan (Berdasarkan umur pada hari jadi terakhir) Orang yang Dilindungi Pemegang Kontrak Umur kemasukan minimum 30 hari 18 tahun Umur kemasukan maksimum 65 tahun Tiada had 1 Umur tamat maksimum 99 tahun Tidak berkaitan 1 Sah untuk pelan asas sahaja tanpa rider. Dana-dana berkaitan-pelaburan Berdasarkan matlamat kewangan dan toleransi risiko individu, anda boleh melabur di dalam satu atau lebih dana-dana berkaitanpelaburan pilihan anda yang diuruskan secara profesional: Dana Objektif & Strategi Dana Sun Life Malaysia Islamic Bond Objektif dana: Untuk menyediakan pulangan di dalam pendapatan terutamanya melalui bon-bon (Sukuk) Malaysia yang patuh Shariah dan lain-lain sekuriti pendapatan tetap yang patuh Shariah. Strategi dana: Nilai Aset Bersih (NAB) dana ini boleh dilaburkan di dalam sekuriti-sekuriti pendapatan tetap Malaysia yang mematuhi Shariah yang mempunyai penarafan minimum AA3 atau P1 atau seumpamanya seperti yang ditentukan oleh agensi-agensi penarafan yang ada di Malaysia. Selaras dengan objektifnya, strategi dan polisi pelaburan dana ini adalah untuk melabur di dalam pelbagai portfolio sekuriti pendapatan tetap yang diluluskan. Peruntukan aset dana ini adalah sekurang-kurangnya 80% di dalam sekuriti-sekuriti pendapatan tetap yang patuh Shariah pada setiap masa. Pengurus dana: Sun Life Malaysia Takaful Berhad Dana Sun Life Malaysia Islamic Equity Objektif dana: Untuk menyediakan pertumbuhan modal dalam jangka waktu sederhana ke jangka panjang terutamanya melalui pelbagai ekuiti-ekuiti berorientasikan pertumbuhan yang mematuhi Shariah dari senarai sekuriti-sekuriti yang patuh Shariah oleh Majlis Penasihat Shariah Suruhanjaya Sekuriti Malaysia. Strategi dana: Dana ini boleh melabur sehingga 98% daripada Nilai Aset Bersihnya (NAB) di dalam

Dana-dana berkaitan-pelaburan (samb.) Dana Dana Sun Life Malaysia Islamic Equity (samb.) Dana Sun Life Malaysia AIIMAN Select Income Objektif & Strategi ekuiti-ekuiti patuh Shariah dari senarai sekuritisekuriti yang patuh Shariah oleh Majlis Penasihat Shariah Suruhanjaya Sekuriti Malaysia. Strategi dana ini akan bertumpu kepada pelaburan di dalam saham syarikat-syarikat dengan potensi pertumbuhan dan tersenarai di papan utama Bursa Malaysia Berhad. Peruntukan aset dana ini adalah seperti berikut: Sekurang-kurangnya 80% di dalam ekuiti yang patuh Shariah pada setiap masa; dan Bakinya di dalam aset-aset cair yang patuh Shariah Pengurus dana: Sun Life Malaysia Takaful Berhad Objektif dana: Dana ini melabur ke dalam Dana Affin Hwang AIIMAN Select Income ( dana sasaran ) dengan objektif untuk menyediakan aliran pendapatan yang tetap kepada pelabur melalui pelaburan yang patuh Shariah. Strategi dana: Dana sasaran akan melabur dalam pelbagai portfolio Sukuk, ekuiti yang patuh Shariah dan instrumen pasaran wang Islam. Pelaburan dalam Sukuk akan merangkumi Sukuk terbitan Malaysia dan terbitan asing sama ada diterbitkan oleh kerajaan atau syarikat. Dana sasaran berusaha untuk melabur dalam pasaran asing di mana pihak berkuasa yang mengawalselia adalah ahli International Organization of Securities Commissions ( IOSCO ). Ini termasuk, tetapi tidak terhad kepada negara-negara berikut: Australia, Bahrain, China, Mesir, Hong Kong, India, Indonesia, Kazakhstan, Korea, Filipina, Arab Saudi, Singapura, Taiwan, Thailand, Turki, Qatar dan United Arab Emirates. Peruntukan aset dana sasaran adalah seperti berikut: Sukuk dan instrumen pasaran wang Islam : Minimum 60%, maksimum 100% Ekuiti yang patuh Shariah: Maksimum 40% Tunai dan deposit yang patuh Shariah dengan institusi kewangan: Baki Pengurus dana: Affin Hwang Asset Management Berhad (dahulunya dikenali sebagai Hwang Investment Management Berhad)

Dana-dana berkaitan-pelaburan (samb.) Dana Dana Sun Life Malaysia Islamic Asia Pacific Equity Dana Sun Life Malaysia Islamic World Equity Objektif & Strategi Objektif dana: Dana ini disalurkan ke dalam Dana CIMB Islamic Asia Pacific Equity ( dana sasaran ) dengan objektif untuk mencapai peningkatan modal dan pendapatan dalam jangka panjang sementara mematuhi kriteria pelaburan Shariah, melalui pelaburan dalam pasaran baharu muncul dan membangun di rantau Asia Pasifik (kecuali Jepun). Strategi dana: Dana sasaran pada dasarnya merupakan dana ekuiti yang melabur melalui sekuriti ekuiti syarikat yang berdomisil di, disenaraikan, dan/atau mempunyai operasi ketara di pasaran baharu muncul dan membangun di rantau Asia Pasifik (kecuali Jepun), iaitu Hong Kong SAR, Taiwan, Korea, Republik Rakyat China, Indonesia, Malaysia, India, Thailand, Filipina, Sri Lanka, Singapura, Australia dan New Zealand. Pelaburan dalam Sukuk mestilah memenuhi syarat penarafan minimum sekurang-kurangnya BBB3 atau P2 oleh RAM atau penarafan yang setaraf dengannya oleh MARC atau agensi(- agensi) penarafan tempatan negara; BB oleh S&P atau penarafan yang setaraf dengannya oleh Moody atau Fitch. Peruntukan aset dana sasaran adalah seperti berikut: Ekuiti: Minimum 70%, maksimum 98% Sukuk dan deposit: Maksimum 30% Aset cair: Minimum 2% Pengurus dana: CIMB-Principal Asset Management Berhad Objektif dana: Dana ini melabur ke dalam Dana Aberdeen Islamic World Equity ( dana sasaran ) dengan objektif untuk mencapai peningkatan modal dalam jangka panjang melalui pelaburan di dalam portfolio antarabangsa ekuiti dan sekuriti berkaitanekuiti yang patuh Shariah. Strategi dana: Dana sasaran melaburkan 90%- 100% daripada Nilai Aset Bersih (NAB) dalam ekuiti dan sekuriti berkaitan-ekuiti yang patuh Shariah. Baki NAB dana sasaran yang tidak dilaburkan ke dalam ekuiti dan sekuriti berkaitan ekuiti yang patuh Shariah akan dilaburkan ke dalam aset cair Islam dan/atau dipegang dalam bentuk tunai.

Dana-dana berkaitan-pelaburan (samb.) Dana Dana Sun Life Malaysia Islamic World Equity (samb.) Objektif & Strategi Peruntukan aset dana sasaran adalah seperti berikut: Ekuiti dan sekuriti berkaitan-ekuiti yang patuh Shariah: Minimum 90%, maksimum 100% Aset cair Islam dan/atau Tunai: Minimum 0%, maksimum 10% Pilihan ekuiti untuk dana: termasuk tetapi tidak terhad kepada ekuiti Kanada, Amerika Syarikat, United Kingdom, Perancis, Jerman, Itali, Belanda, Sweden, Switzerland, Jepun, Australia, China, Hong Kong, Korea, Singapura, Taiwan, Brazil dan Mexico. Pengurus dana: Aberdeen Islamic Asset Management Sdn. Bhd. Penambahan Minimum Sumbangan Penambahan Berjadual RM50 (dalam gandaan RM10) setiap bulan Sumbangan Penambahan Tunggal RM500 (dalam gandaan RM10) setiap transaksi Maksimum Tiada had Tiada had Peruntukan sumbangan Sumbangan yang diperuntukkan akan disalurkan ke dalam danadana yang dipilih oleh pemegang kontrak. Tahun Sumbangan Peruntukan Sumbangan (% dari Sumbangan Takaful) Peruntukan Sumbangan (% dari Sumbangan Penambahan) 1 40% 95% 2 60% 95% 3 70% 95% 4 80% 95% 5-6 90% 95% 7 dan ke atas 100% 95%

Peruntukan sumbangan (samb.) Sumbangan yang tidak diperuntukkan (yuran wakalah) akan digunakan untuk komisen dan perbelanjaan pengurusan. Tahun Sumbangan Sumbangan yang Tidak Diperuntukkan (% dari Sumbangan Takaful) Sumbangan yang Tidak Diperuntukkan (% dari Sumbangan Penambahan) 1 60% 5% 2 40% 5% 3 30% 5% 4 20% 5% 5-6 10% 5% 7 dan ke atas 0% 5% Yuran & caj Tabarru Yuran bulanan Yuran rider penolakan unit ke atas Tabarru Yuran penukaran dana Yuran pengeluaran separa Tabarru untuk manfaat Takaful termasuk rider pilihan (jika ada) akan dikutip melalui penebusan unit-unit dari nilai akaun pelaburan pada harga unit tarikh kontrak dikeluarkan dan pada setiap ulangtahun bulanan kontrak. Tabarru (termasuk yuran rider penolakan unit ke atas Tabarru ) yang dikutip akan tertakluk kepada Cukai Barang dan Perkhidmatan (CBP 2 ), yang mana berkenaan. RM5.30 (termasuk CBP 2 ) akan dikenakan ke atas setiap kontrak bagi setiap bulan melalui penebusan unit-unit dari nilai akaun pelaburan pada harga unit tarikh kontrak dikeluarkan dan pada setiap ulangtahun bulanan kontrak. Yuran rider penolakan unit ke atas Tabarru semasa ialah 20% daripada Tabarru rider, yang membentuk sebahagian daripada Tabarru rider yang dikumpul. Yuran rider penolakan unit ke atas Tabarru hanya dikenakan kepada rider (rider-rider) penolakan unit yang disertakan (jika ada). 3 penukaran dana tanpa caj disediakan untuk setiap tahun kontrak. Penukaran seterusnya tertakluk kepada RM53 (termasuk CBP 2 ) untuk setiap penukaran. RM53 (termasuk CBP 2 ) bagi setiap transaksi daripada amaun pengeluaran separa.

Yuran & caj (samb.) Yuran pengurusan dana (FMF) Sila rujuk Helaian Fakta Dana untuk maklumat dan caj. Nota: Semua yuran & caj tidak dijamin dan sebarang perubahan akan dimaklumkan kepada anda dengan memberikan notis bertulis sekurang-kurangnya 90 hari dari tarikh berkuatkuasa. 2 Cukai Barang dan Perkhidmatan (CBP) mengikut Akta Cukai Barang dan Perkhidmatan 2014 yang kini pada kadar 6%. Kadar semasa CBP adalah tertakluk kepada perubahan. Perkongsian lebihan Tabarru yang dikutip akan diperuntukkan ke dalam dana Tabarru peserta (PTF). Ia akan digunakan untuk membantu semua orang yang dilindungi yang berhadapan dengan kesukaran kewangan dan untuk membayar manfaat terakhir. Pada akhir setiap tahun, sebarang lebihan yang diumumkan dari PTF selepas pembayaran balik Qard (jika ada) akan dikongsi antara anda dengan kami pada nisbah 50:50. Komisen Berikut adalah contoh komisen (sebagai peratusan atas sumbangan Takaful) berdasarkan sumbangan Takaful RM2,400 setahun: Tahun Kontrak 1 2 3 4 5 6 Kadar komisen (%) 20 5 5 5 5 5 Komisen 480 120 120 120 120 120 Tahun Kontrak 7 8 9 10 Seterusnya Kadar komisen (%) 5 5 5 5 0 Komisen 120 120 120 120 0 1) Untuk sumbangan penambahan berjadual/sumbangan penambahan tunggal, komisen sebanyak 3.75% perlu dibayar dan ditanggung oleh pemegang kontrak. 2) Bonus prestasi (5% daripada sumbangan Takaful tahun pertama) dan bonus berterusan (10% daripada sumbangan Takaful tahun ke-2 dan ke-3) perlu dibayar dan ditanggung oleh pemegang kontrak.

Rider untuk perlindungan tambahan SunLink Istismar memberikan anda kebebasan untuk memilih dan menyertakan pelbagai rider penolakan unit kepada pelan asas anda: 1) Rider Manfaat Takaful Hospitalisation and Surgical 2) Rider Manfaat Takaful Multiple Pay Critical Illness 3) Rider Manfaat Takaful Accidental Death 4) Rider Manfaat Takaful Weekly Disability Income 5) Rider Manfaat Takaful Person Covered Waiver of Contribution 6) Rider Manfaat Takaful Contract Holder Waiver of Contribution Sila rujuk kepada dokumen-dokumen kontrak untuk senarai penuh terma-terma, syarat-syarat dan pengecualian-pengecualian di bawah rider-rider tersebut. 1) Rider Manfaat Takaful Hospitalisation and Surgical Dengan kemunculan penyakit-penyakit baru dan peningkatan kes kemalangan setiap hari, penjagaan perubatan telah menjadi keperluan untuk setiap insan. Rider Manfaat Takaful Hospitalisation and Surgical kami boleh membantu mengurangkan beban kewangan akibat peningkatan dalam kos perubatan. Jadual manfaat Manfaat-manfaat Pelan Pelan A Pelan B Pelan C Pelan D A) Bilik dan Penginapan Hospital 3 Bilik dan penginapan hospital (maksimum 180 hari setahun) 150 250 350 500 Unit rawatan rapi (maksimum 60 hari setahun) B) Perbelanjaan Hospital Seperti caj yang dikenakan Bekalan dan perkhidmatan hospital C) Perbelanjaan Pembedahan Yuran pembedahan (tertakluk kepada jadual pembedahan) Yuran pakar bius Yuran dewan pembedahan Seperti caj yang dikenakan Seperti caj yang dikenakan

Jadual manfaat (samb.) Manfaat-manfaat Pelan Pelan A Pelan B Pelan C Pelan D C) Perbelanjaan Pembedahan (samb.) Perkhidmatan diagnosis sebelum kemasukan hospital (dalam tempoh 90 hari sebelum kemasukan Seperti caj yang dikenakan hospital) Rawatan selepas kemasukan hospital (dalam tempoh 60 hari selepas keluar hospital) D) Perbelanjaan Bukan Pembedahan Lawatan pakar perubatan dalam hospital (maksimum 120 hari setahun dan 2 lawatan sehari) Rundingan pakar sebelum kemasukan hospital (dalam tempoh 90 hari sebelum kemasukan hospital) Rawatan selepas kemasukan hospital (dalam tempoh 60 hari selepas keluar hospital) Seperti caj yang dikenakan Rawatan kecemasan kemalangan pergigian (dalam tempoh 24 jam selepas kemalangan) Rawatan kecemasan kemalangan pesakit luar (dalam tempoh 24 jam selepas kemalangan) Prosedur pembedahan harian Rawatan kecemasan pesakit luar (dari pukul 12 pagi hingga 6 pagi) Yuran ambulans

Jadual manfaat (samb.) Manfaat-manfaat Pelan Pelan A Pelan B Pelan C Pelan D D) Perbelanjaan Bukan Pembedahan (samb.) Elaun tunai harian hospital kerajaan Malaysia (maksimum 50 50 50 50 180 hari setahun) Pemindahan organ utama 4 (sekali Seperti caj yang dikenakan seumur hidup) Yuran laporan perubatan 100 100 100 100 Rawatan kanser pesakit luar Rawatan dialisis buah Seperti caj yang dikenakan pinggang pesakit luar Penjagaan rawatan rumah (maksimum setiap hilang upaya) 500 750 1,000 1,500 Cukai Barang dan Perkhidmatan (CBP) Had Tahunan Keseluruhan Had Seumur Hidup Keseluruhan Seperti caj yang dikenakan 75,000 125,000 175,000 250,000 750,000 1,250,000 1,750,000 2,500,000 3 Sekiranya terdapat naik taraf untuk bilik dan penginapan, orang yang dilindungi hendaklah menanggung perbezaan penuh antara caj sebenar dengan manfaat bilik dan penginapan yang dibenarkan serta sebanyak 20% daripada manfaat lain yang layak dalam bil hospital. 4 Merangkumi kos untuk pemindahan organ utama orang yang dilindungi, sebagai penerima organ dan bukannya sebagai penderma organ.

Rider untuk perlindungan tambahan (samb.) 2) Rider Manfaat Takaful Multiple Pay Critical Illness Rider Manfaat Takaful Multiple Pay Critical Illness menyediakan perlindungan tambahan untuk penyakit kritikal yang membolehkan orang yang dilindungi membuat sebanyak 4 tuntutan dan membayar kepada anda sehingga 4 kali ganda jumlah yang dilindungi bagi rider untuk sepanjang tempoh rider. Setiap diagnosis penyakit kritikal hendaklah dari kumpulan penyakit kritikal yang berlainan, kecuali untuk Angioplasti dan Rawatan Invasif Lain untuk Penyakit Arteri Koronari dan Kanser. Rider ini turut memberi perlindungan untuk 2 kejadian Kanser, sekiranya had pembayaran maksimum masih belum dicapai. Untuk Angioplasti dan Rawatan Invasif Lain untuk Penyakit Arteri Koronari, hanya 10% daripada jumlah yang dilindungi untuk rider atau maksimum RM25,000 akan dibayar. Kumpulan penyakit kritikal: Kumpulan 1 Angioplasti dan Rawatan Invasif Lain untuk Penyakit Arteri Koronari Pembedahan Pintasan Arteri Koronari Serangan Jantung Kegagalan Buah Pinggang Pemindahan Organ Utama (Buah Pinggang) Penyakit Sistik Medular Penyakit Arteri Koronari Serius Strok/Angin Ahmar Lupus Eritematosus Sistemik dengan Komplikasi Buah Pinggang yang Teruk Kumpulan 2 Kardiomiopati Pembedahan Injap Jantung Pemindahan Organ Utama (Jantung) Pembedahan Aorta Kumpulan 3 Tumor Otak Benign Buta Kekal dan Tidak Boleh Pulih Pembedahan Otak Koma Pekak Kekal dan Tidak Boleh Pulih Hilang Keupayaan Bertutur Trauma Kepala Major (Teruk) Kelecuran Tahap Ketiga

Rider untuk perlindungan tambahan (samb.) 2) Rider Manfaat Takaful Multiple Pay Critical Illness (samb.) Kumpulan 4 Kegagalan Hati Tahap Akhir Penyakit Paru-paru Tahap Akhir Hepatitis Viral Fulminan Pemindahan Organ Utama (Hati/Paru-paru/Pankreas) Hipertensi Arteri Pulmonari Primer Kumpulan 5 Penyakit Alzheimer/Demensia Teruk Meningitis Bakteria Ensefalitis Kehilangan Upaya Hidup Sendiri (Berdikari) Penyakit Neuron Motor Sklerosis Multipel Distrofi Otot Kelumpuhan Anggota Penyakit Parkinson Kumpulan 6 Kanser Anemia Aplastik Kronik Jangkitan HIV Melalui Transfusi Darah Transplan Organ Utama/Sumsum Tulang 3) Rider Manfaat Takaful Accidental Death Rider Manfaat Takaful Accidental Death akan memastikan anda dan keluarga anda sentiasa dilindungi dari segi kewangan seandainya kematian berlaku. Rider Manfaat Takaful Accidental Death menyediakan perlindungan tambahan 100% daripada jumlah yang dilindungi untuk rider dalam kejadian kematian orang yang dilindungi akibat kemalangan. 4) Rider Manfaat Takaful Weekly Disability Income Hilang upaya akibat kemalangan atau penyakit boleh menyebabkan kehilangan pendapatan. Rider Manfaat Takaful Weekly Disability Income kami menyediakan pendapatan berterusan yang boleh membantu anda dan keluarga anda di saat anda memerlukannya. Rider ini menyediakan pendapatan mingguan untuk hilang upaya sehingga 52 minggu dalam kejadian hilang upaya atas orang yang dilindungi akibat penyakit (yang menyebabkan kemasukan hospital) atau kemalangan.

Rider untuk perlindungan tambahan (samb.) 5) Rider Manfaat Takaful Person Covered Waiver of Contribution Kami memahami bahawa kesejahteraan keluarga anda adalah keutamaan nombor satu anda. Lebih dari segalanya, anda ingin memastikan kesemua keperluan mereka terjaga dan masa hadapan mereka turut terjamin setiap masa sekiranya anda menghidap penyakit kritikal. Rider Manfaat Takaful Person Covered Waiver of Contribution akan mengecualikan kesemua sumbangan masa depan sehingga tarikh luput pelan asas apabila anda didiagnosis menghidap salah 1 daripada 36 penyakit kritikal yang dilindungi. 6) Rider Manfaat Takaful Contract Holder Waiver of Contribution Tidak ada perkara lain yang lebih penting daripada melindungi keluarga anda dan memastikan keperluan mereka dipenuhi. Anda bekerja keras setiap hari untuk menyediakan segalanya kepada mereka tetapi adakah ia mencukupi untuk memastikan masa depan mereka terjamin? Rider Manfaat Takaful Contract Holder Waiver of Contribution akan mengecualikan kesemua sumbangan masa depan sehingga tamat tempoh rider sekiranya pemegang kontrak meninggal dunia, mengalami TPD atau apabila didiagnosis menghidap salah 1 daripada 36 penyakit kritikal yang dilindungi. Perlindungan TPD akan tamat pada ulang tahun kontrak, sejurus selepas hari lahir pemegang kontrak yang ke-65. Senarai 36 Penyakit Kritikal (untuk Rider Manfaat Takaful Person Covered Waiver of Contribution dan Rider Manfaat Takaful Contract Holder Waiver of Contribution) 1 Penyakit Alzheimer/Demensia Teruk 2 Meningitis Bakteria 3 Tumor Otak Benign 4 Buta Kekal dan Tidak Boleh Pulih 5 Pembedahan Otak 6 Kanser 7 Kardiomiopati 8 Anemia Aplastik Kronik 9 Koma 10 Pembedahan Pintasan Arteri Koronari 11 Pekak Kekal dan Tidak Boleh Pulih 12 Ensefalitis 13 Kegagalan Hati Tahap Akhir

Senarai 36 Penyakit Kritikal (samb.) (untuk Rider Manfaat Takaful Person Covered Waiver of Contribution dan Rider Manfaat Takaful Contract Holder Waiver of Contribution) 14 Penyakit Paru-paru Tahap Akhir 15 Hepatitis Viral Fulminan 16 Serangan Jantung 17 Pembedahan Injap Jantung 18 Jangkitan HIV Melalui Transfusi Darah 19 Kegagalan Buah Pinggang 20 Kehilangan Upaya Hidup Sendiri (Berdikari) 21 Hilang Keupayaan Bertutur 22 Trauma Kepala Major (Teruk) 23 Transplan Organ Utama/Sumsum Tulang 24 Penyakit Sistik Medular 25 Penyakit Neuron Motor 26 Sklerosis Multipel 27 Distrofi Otot 28 Kelumpuhan Anggota 29 Penyakit Parkinson 30 Hipertensi Arteri Pulmonari Primer 31 Penyakit Arteri Koronari Serius 32 Strok/Angin Ahmar 33 Pembedahan Aorta 34 Lupus Eritematosus Sistemik dengan Komplikasi Buah Pinggang yang Teruk 35 Penyakit Terminal (Membawa Maut) 36 Kelecuran Tahap Ketiga

Pengecualian-pengecualian (Nota: Senarai ini adalah tidak menyeluruh. Sila rujuk kepada dokumen-dokumen kontrak untuk maklumat lanjut mengenai pengecualian-pengecualian) Manfaat Manfaat Kematian Manfaat TPD Pengecualian-pengecualian Hanya nilai akaun pelaburan yang akan dibayar sekiranya kematian orang yang dilindungi disebabkan oleh bunuh diri (sama ada waras atau tidak waras) dalam tempoh 12 bulan dari tarikh kontrak dikeluarkan atau tarikh pengembalian semula, yang mana terkemudian. Tiada manfaat akan dibayar sekiranya TPD disebabkan oleh: Berkhidmat secara aktif dalam tentera laut, tentera darat, tentera udara, perkhidmatan berkaitan kebakaran dan polis; AIDS; Perjalanan melalui udara selain dari penerbangan komersial; Melanggar undang-undang; Penyalahgunaan dadah atau alkohol; Sebarang percubaan membunuh diri atau mencederakan diri sendiri (sama ada waras atau tidak waras); atau Mogok, rusuhan, rusuhan awam. Rider Manfaat Takaful Hospitalisation and Surgical Tiada manfaat akan dibayar sekiranya dimasukkan ke hospital, pembedahan atau caj-caj disebabkan secara langsung atau tidak langsung, keseluruhan atau sebahagian, oleh mana-mana satu yang berikut: AIDS; Perjalanan melalui udara selain dari penerbangan komersial; Sebarang percubaan membunuh diri atau mencederakan diri sendiri (sama ada waras atau tidak waras); Prosedur penyunatan atau pensterilan; Keabnormalan kongenital; Pembedahan kosmetik atau plastik; Rawatan pergigian atau pembedahan oral; Peralatan atau perkakasan prostetik luaran; Sukan berbahaya; Penyalahgunaan dadah atau alkohol; Keadaan perubatan atau fizikal yang berlaku dalam tempoh menunggu;