Critical Illness Plan

Provides a lump sum benefits upon diagnosis of a serious illness, offering financial support for medical costs, living expenses, or recovery needs.

Prepare for the Unexpected - with a Critical Illness Plan

A Critical Illness Plan provides financial protection if you’re diagnosed with a serious condition like cancer, stroke, or heart disease. It offers a lump sum benefits upon diagnosis, helping you focus on recovery instead of worrying about your finances

Receive a one-time cash payout to cover treatment, living expenses, or other needs.

Protect against a wide range of critical illnesses based on your chosen plan.

Use the payout for medical care, alternative treatments, or even to replace lost income.

Benefits

Who Needs a Critical Illness Plan?

Have Financial Dependents

Protect your loved ones from financial strain if you’re unable to work.

Want Peace of Mind

Be prepared for rising medical costs and focus on recovery without financial stress.

Have a Family History of Illness

Reduce the risk of financial burden if you’re predisposed to critical conditions.

Self-Employed or Freelance

Ensures you have financial support while you recover.

ask these 6

important questions

to yourself

Comprehensive coverage for life-threatening illnesses to protect your health, finances, and peace of mind. Let me guide you to the right plan.
Contact Now
01

Awareness and Concerns

Are you aware of how a critical illness, such as cancer, heart attack, or stroke, could impact your finances?
Have you or anyone you know faced financial difficulties because of a serious illness?
02

Financial Preparedness

If you were unable to work for 6 months to a year due to a critical illness, how would you cover your living expenses?
Would you prefer to rely on your savings, family, or a financial safety net like takaful if you fall ill?
03

Planning for the Future

Would it give you peace of mind to know you’re financially prepared for the unexpected?
Are you interested in ensuring you receive a lump sum benefits to help with non-medical expenses (childcare, rent) during recovery?
04

Current Coverage

Does your existing coverage include a critical illness benefit? If so, do you know the amount?
How confident are you that your current plans provide sufficient protection for long-term recovery?
05

Family and Dependents

How would a critical illness affect your ability to provide for your family or dependents?
Would your loved ones be financially secure if you couldn't contribute to household income?
06

Workplace and Income Considerations

Does your employer provide any coverage for critical illness?
How would you replace your income if a critical illness kept you from working for a year or more?

Tailored Plans for Every Stage of Life

Explore plans that offer:

  • Comprehensive Illness Coverage: Protection for a wide range of illnesses like cancer, heart attack, kidney failure, and more.
  • Flexible Payout Options: Choose between single and multi-claim plans for extended protection.
  • Early Stage Protection: Some plans cover illnesses at earlier stages, improving your chances of recovery.

 

Example of Critical Illness Plan (RM300,000)

male, age 30, office worker, non-smoker
  • Death (Hibah) @ Basic Sum Covered
    -
  • Total Permanent Disability (TPD)
    -
  • Death / TPD
    RM600,000
  • Death Due to Accident
    RM- (Public Transport)
    RM- (Overseas)
  • Death While Performing Umrah/Hajj
    RM1,200,000
  • Critical Illness
    RM300,000 (Additional)
  • Terminal Illness / Terminal Cancer
    RM-
  • TPD Yearly Recovery
    RM-
  • Waiver
    Yes, On Critical Illness
  • Khairat Kematian
    RM2,000
  • Maturity Benefit
    Yes
  • Protection Period
    Until 60 Years Old
  • Contribution Period
    20 Years
  • Monthly Contribution
    RM289.05
  • Death (Hibah) @ Basic Sum Covered
    -
  • Total Permanent Disability (TPD)
    -
  • Death / TPD
    RM600,000
  • Death Due to Accident
    RM- (Public Transport)
    RM- (Overseas)
  • Death While Performing Umrah/Hajj
    RM1,200,000
  • Critical Illness
    RM300,000 (Additional)
  • Terminal Illness / Terminal Cancer
    RM-
  • TPD Yearly Recovery
    RM-
  • Waiver
    Yes, On Critical Illness
  • Khairat Kematian
    RM2,000
  • Maturity Benefit
    Yes
  • Protection Period
    Until 60 Years Old
  • Contribution Period
    30 Years
  • Monthly Contribution
    RM230.45
  • Death (Hibah) @ Basic Sum Covered
    -
  • Total Permanent Disability (TPD)
    -
  • Death / TPD
    RM600,000
  • Death Due to Accident
    RM1,800,000 (Public Transport)
    RM2,400,000 (Overseas)
  • Death While Performing Umrah/Hajj
    RM-
  • Critical Illness
    RM300,000 (Additional)
  • Terminal Illness / Terminal Cancer
    RM600,000 (Accelerated)
  • TPD Yearly Recovery
    RM150,000
  • Waiver
    Yes, On Critical Illness
  • Khairat Kematian
    -
  • Maturity Benefit
    Yes
  • Protection Period
    Until 60 Years Old
  • Contribution Period
    30 Years
  • Monthly Contribution
    RMRM286.42

Example of Critical Illness Plan (RM300,000)

Female, age 30, office worker, non-smoker
  • Death (Hibah) @ Basic Sum Covered
    -
  • Total Permanent Disability (TPD)
    -
  • Death / TPD
    RM600,000
  • Death Due to Accident
    RM- (Public Transport)
    RM- (Overseas)
  • Death While Performing Umrah/Hajj
    RM1,200,000
  • Critical Illness
    RM300,000 (Additional)
  • Terminal Illness / Terminal Cancer
    RM-
  • TPD Yearly Recovery
    RM-
  • Waiver
    Yes, On Critical Illness
  • Khairat Kematian
    RM2,000
  • Maturity Benefit
    Yes
  • Protection Period
    Until 60 Years Old
  • Contribution Period
    20 Years
  • Monthly Contribution
    RM373.40
  • Death (Hibah) @ Basic Sum Covered
    -
  • Total Permanent Disability (TPD)
    -
  • Death / TPD
    RM600,000
  • Death Due to Accident
    RM- (Public Transport)
    RM- (Overseas)
  • Death While Performing Umrah/Hajj
    RM1,200,000
  • Critical Illness
    RM300,000 (Additional)
  • Terminal Illness / Terminal Cancer
    RM-
  • TPD Yearly Recovery
    RM-
  • Waiver
    Yes, On Critical Illness
  • Khairat Kematian
    RM2,000
  • Maturity Benefit
    Yes
  • Protection Period
    Until 60 Years Old
  • Contribution Period
    30 Years
  • Monthly Contribution
    RM316.20
  • Death (Hibah) @ Basic Sum Covered
    -
  • Total Permanent Disability (TPD)
    -
  • Death / TPD
    RM600,000
  • Death Due to Accident
    RM1,800,000 (Public Transport)
    RM2,400,000 (Overseas)
  • Death While Performing Umrah/Hajj
    RM-
  • Critical Illness
    RM300,000 (Additional)
  • Terminal Illness / Terminal Cancer
    RM600,000 (Accelerated)
  • TPD Yearly Recovery
    RM150,000
  • Waiver
    Yes, On Critical Illness
  • Khairat Kematian
    -
  • Maturity Benefit
    Yes
  • Protection Period
    Until 60 Years Old
  • Contribution Period
    30 Years
  • Monthly Contribution
    RMRM181.19

Example of Takaful Hibah Plan (RM250,000)

Female, age 30, office worker, non-smoker
  • Death (Hibah) @ Basic Sum Covered
    RM250,000
  • Total Permanent Disability (TPD)
    RM250,000
  • Death / TPD
    -
  • Death Due to Accident
    RM500,000
  • Death While Performing Umrah/Hajj
    RM750,000
  • Increasing Death Benefits
    Year 11 - 20   -  RM275,000
    Year 21 - 30  -  RM300,000
  • Waiver
    Yes, On Critical Illness @ TPD
  • Khairat Kematian
    RM10,000
  • Cash Value
    Yes
  • Protection Period
    Until 60 Years Old
  • Contribution Period
    15 Years
  • Monthly Contribution
    RM54
  • Death (Hibah) @ Basic Sum Covered
    -
  • Total Permanent Disability (TPD)
    -
  • Death / TPD
    RM250,000
  • Death Due to Accident
    RM500,000
  • Death While Performing Umrah/Hajj
    RM500,000
  • Increasing Death Benefits
    Year 11 - 20   -  RM275,000
    Year 21 - 30  -  RM300,000
  • Waiver
    Yes, On Critical Illness
  • Khairat Kematian
    RM2,000
  • Cash Value
    Yes
  • Protection Period
    Until 60 Years Old
  • Contribution Period
    30 Years
  • Monthly Contribution
    RM83.90
  • Death (Hibah) @ Basic Sum Covered
    RM250,000
  • Total Permanent Disability (TPD)
    RM250,000
  • Death / TPD
    -
  • Death Due to Accident
    RM500,000
  • Death While Performing Umrah/Hajj
    RM750,000
  • Increasing Death Benefits
    Year 11 - 20   -  RM275,000
    Year 21 - 30  -  RM300,000
  • Waiver
    Yes, On Critical Ilness @ TPD
  • Khairat Kematian
    RM10,000
  • Cash Value
    Yes
  • Protection Period
    Until 60 Years Old
  • Contribution Period
    15 Years
  • Monthly Contribution
    RMxxx

Example of Takaful Hibah Plan (RM250,000)

  • Takaful Operator A
  • Death (Hibah) @ Basic Sum Covered
    RM250,000
  • Total Permanent Disability (TPD)
    RM250,000
  • Death / TPD
    -
  • Death Due to Accident
    RM500,000
  • Death While Performing Umrah/Hajj
    RM750,000
  • Increasing Death Benefits
    Year 11 - 20   -  RM275,000
    Year 21 - 30  -  RM300,000
  • Waiver
    Yes, On Critical Ilness @ TPD
  • Khairat Kematian
    RM10,000
  • Cash Value
    Yes
  • Protection Period
    Until 60 Years Old
  • Contribution Period
    15 Years
  • Monthly Contribution
    RMxxx
  • Benefits
  • Death (Hibah) @ Basic Sum Covered
    RM250,000
  • Total Permanent Disability (TPD)
    RM250,000
  • Death / TPD
    -
  • Death Due to Accident
    RM500,000
  • Death While Performing Umrah/Hajj
    RM750,000
  • Increasing Death Benefits
    Year 11 - 20   -  RM275,000
    Year 21 - 30  -  RM300,000
  • Waiver
    Yes, On Critical Ilness @ TPD
  • Khairat Kematian
    RM10,000
  • Cash Value
    Yes
  • Protection Period
    Until 60 Years Old
  • Contribution Period
    15 Years
  • Monthly Contribution
    RMxxx
  • Benefits
  • Death (Hibah) @ Basic Sum Covered
    RM250,000
  • Total Permanent Disability (TPD)
    RM250,000
  • Death / TPD
    -
  • Death Due to Accident
    RM500,000
  • Death While Performing Umrah/Hajj
    RM750,000
  • Increasing Death Benefits
    Year 11 - 20   -  RM275,000
    Year 21 - 30  -  RM300,000
  • Waiver
    Yes, On Critical Ilness @ TPD
  • Khairat Kematian
    RM10,000
  • Cash Value
    Yes
  • Protection Period
    Until 60 Years Old
  • Contribution Period
    15 Years
  • Monthly Contribution
    RMxxx

Example of Takaful Hibah Plan (RM250,000)

  • Takaful Operator A
  • Death (Hibah) @ Basic Sum Covered
    RM250,000
  • Total Permanent Disability (TPD)
    RM250,000
  • Death / TPD
    -
  • Death Due to Accident
    RM500,000
  • Death While Performing Umrah/Hajj
    RM750,000
  • Increasing Death Benefits
    Year 11 - 20   -  RM275,000
    Year 21 - 30  -  RM300,000
  • Waiver
    Yes, On Critical Ilness @ TPD
  • Khairat Kematian
    RM10,000
  • Cash Value
    Yes
  • Protection Period
    Until 60 Years Old
  • Contribution Period
    15 Years
  • Monthly Contribution
    RMxxx
  • Benefits
  • Death (Hibah) @ Basic Sum Covered
    RM250,000
  • Total Permanent Disability (TPD)
    RM250,000
  • Death / TPD
    -
  • Death Due to Accident
    RM500,000
  • Death While Performing Umrah/Hajj
    RM750,000
  • Increasing Death Benefits
    Year 11 - 20   -  RM275,000
    Year 21 - 30  -  RM300,000
  • Waiver
    Yes, On Critical Ilness @ TPD
  • Khairat Kematian
    RM10,000
  • Cash Value
    Yes
  • Protection Period
    Until 60 Years Old
  • Contribution Period
    15 Years
  • Monthly Contribution
    RMxxx
  • Benefits
  • Death (Hibah) @ Basic Sum Covered
    RM250,000
  • Total Permanent Disability (TPD)
    RM250,000
  • Death / TPD
    -
  • Death Due to Accident
    RM500,000
  • Death While Performing Umrah/Hajj
    RM750,000
  • Increasing Death Benefits
    Year 11 - 20   -  RM275,000
    Year 21 - 30  -  RM300,000
  • Waiver
    Yes, On Critical Ilness @ TPD
  • Khairat Kematian
    RM10,000
  • Cash Value
    Yes
  • Protection Period
    Until 60 Years Old
  • Contribution Period
    15 Years
  • Monthly Contribution
    RMxxx

Example of Takaful Hibah Plan (RM250,000)

  • Takaful Operator A
  • Death (Hibah) @ Basic Sum Covered
    RM250,000
  • Total Permanent Disability (TPD)
    RM250,000
  • Death / TPD
    -
  • Death Due to Accident
    RM500,000
  • Death While Performing Umrah/Hajj
    RM750,000
  • Increasing Death Benefits
    Year 11 - 20   -  RM275,000
    Year 21 - 30  -  RM300,000
  • Waiver
    Yes, On Critical Ilness @ TPD
  • Khairat Kematian
    RM10,000
  • Cash Value
    Yes
  • Protection Period
    Until 60 Years Old
  • Contribution Period
    15 Years
  • Monthly Contribution
    RMxxx
  • Benefits
  • Death (Hibah) @ Basic Sum Covered
    RM250,000
  • Total Permanent Disability (TPD)
    RM250,000
  • Death / TPD
    -
  • Death Due to Accident
    RM500,000
  • Death While Performing Umrah/Hajj
    RM750,000
  • Increasing Death Benefits
    Year 11 - 20   -  RM275,000
    Year 21 - 30  -  RM300,000
  • Waiver
    Yes, On Critical Ilness @ TPD
  • Khairat Kematian
    RM10,000
  • Cash Value
    Yes
  • Protection Period
    Until 60 Years Old
  • Contribution Period
    15 Years
  • Monthly Contribution
    RMxxx
  • Benefits
  • Death (Hibah) @ Basic Sum Covered
    RM250,000
  • Total Permanent Disability (TPD)
    RM250,000
  • Death / TPD
    -
  • Death Due to Accident
    RM500,000
  • Death While Performing Umrah/Hajj
    RM750,000
  • Increasing Death Benefits
    Year 11 - 20   -  RM275,000
    Year 21 - 30  -  RM300,000
  • Waiver
    Yes, On Critical Ilness @ TPD
  • Khairat Kematian
    RM10,000
  • Cash Value
    Yes
  • Protection Period
    Until 60 Years Old
  • Contribution Period
    15 Years
  • Monthly Contribution
    RMxxx

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Example of Takaful Hibah Plan (RM250,000)

Female, age 30, office worker, non-smoker
  • Death (Hibah) @ Basic Sum Covered
    RM250,000
  • Total Permanent Disability (TPD)
    RM250,000
  • Death / TPD
    -
  • Death Due to Accident
    RM500,000
  • Death While Performing Umrah/Hajj
    RM750,000
  • Increasing Death Benefits
    Year 11 - 20   -  RM275,000
    Year 21 - 30  -  RM300,000
  • Waiver
    Yes, On Critical Illness @ TPD
  • Khairat Kematian
    RM10,000
  • Cash Value
    Yes
  • Protection Period
    Until 60 Years Old
  • Contribution Period
    15 Years
  • Monthly Contribution
    RM54
  • Death (Hibah) @ Basic Sum Covered
    -
  • Total Permanent Disability (TPD)
    -
  • Death / TPD
    RM250,000
  • Death Due to Accident
    RM500,000
  • Death While Performing Umrah/Hajj
    RM500,000
  • Increasing Death Benefits
    Year 11 - 20   -  RM275,000
    Year 21 - 30  -  RM300,000
  • Waiver
    Yes, On Critical Illness
  • Khairat Kematian
    RM2,000
  • Cash Value
    Yes
  • Protection Period
    Until 60 Years Old
  • Contribution Period
    30 Years
  • Monthly Contribution
    RM83.90
  • Death (Hibah) @ Basic Sum Covered
    RM250,000
  • Total Permanent Disability (TPD)
    RM250,000
  • Death / TPD
    -
  • Death Due to Accident
    RM500,000
  • Death While Performing Umrah/Hajj
    RM750,000
  • Increasing Death Benefits
    Year 11 - 20   -  RM275,000
    Year 21 - 30  -  RM300,000
  • Waiver
    Yes, On Critical Ilness @ TPD
  • Khairat Kematian
    RM10,000
  • Cash Value
    Yes
  • Protection Period
    Until 60 Years Old
  • Contribution Period
    15 Years
  • Monthly Contribution
    RMxxx

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Contribution Factor

Age

Gender

Occupation

Smoke

Coverage Period

Contribution Period

testimonial

How a Critical Illness Plan made all the difference

Rafiq, a 33-year-old entrepreneur, suffered a sudden heart attack. His critical illness plan provided a lump sum payout that covered his bypass surgery and allowed him to take six months off work for recovery.

Without this plan, he would have faced mounting medical bills and business losses.
Encik Rafiq
Siti, a 38-year-old teacher and single mother, was diagnosed with breast cancer. Thanks to her critical illness coverage, she received financial support to cover her medical treatments and provide for her children while undergoing therapy. She could focus on her recovery instead of worrying about finances.
Puan Siti
Farhan, a 50-year-old engineer, experienced a stroke that affected his ability to work. His critical illness plan helped him pay for specialized rehabilitation services, home adjustments, and living expenses.

The financial support ensured he had the best possible care while easing the burden on his family.
Encik Farhan

Advantages engaging with iFAR

1. Broader Range of Options

iFARs can compare plans from multiple takaful providers, offering a wider selection tailored to the client’s unique needs rather than being limited to one company’s products.

2. Personalized and Objective Advice

iFARs provide advice based on the client’s financial goals and risk tolerance, giving more balanced, impartial recommendations.

3. Comprehensive Financial Planning

iFARs often have a background in overall financial planning, so they can integrate takaful into a larger financial strategy that includes savings, investments, and retirement planning.

4. Long-Term Relationship and Support

iFARs aim for ongoing relationships with clients, offering regular reviews and adjustments to ensure the takaful plan stays relevant as the client’s needs change over time.

5. Value-Added Services

Many iFARs provide additional services, like estate planning and tax optimization, which can be beneficial for clients seeking a holistic financial approach.

How much coverage do You need?

This depends on your income, lifestyle, and family needs. Let’s discuss your options.

Don’t wait until it’s too late to protect your future. With my help, you can find a Critical Illness Plan that gives you the coverage and confidence you deserve.
Start now
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