i ambik takaful siswa dr takaful m'sia,blh stat since bb 1 hari.
TAKAFUL SISWA PLAN
The Very First Step...Towards Your Child's Graduation
A simple and regular savings plan to benefit your child's education upon entry into institute of higher education.
Contribution need only be paid up to age of 18 years.
Maturity period when participant reaches 22 years old.
Scholarship or Funding of Education upon entry at 20% a year.
Open to children up to 18 years.
Supplementary cover for guardian on personal accident, death or permanent disability.
Attractive returns, based on the profit sharing principles of al-Mudharabah.
Securing knowledge with proper education up to tertiary level is crucial in the modern competetive environment.
Usually a good education would help to secure a suitable job. More importantly education helps to bring-up a righteous and dedicated child. Islam gives special emphasis on the importance of pursuing knowledge as reported in the hadith of the Prophet (peace be upon him): "Seek knowledge even to the far reaches of China".
WHY SAVING IS ESSENTIAL
It is the goal of all parents to ensure good education to be given to their children, both at the school and tertiary levels. Given the choice most parents want to send their children to specially selected schools. Realising that education is a long-term investment there are also parents who are ever willing to pledge whatever little assets they possess simply to ensure their children would have the opportunity of the best education.
This goes to say that sufficient funding is essential to meet this goal. As the cost of higher education is unlikely to reduce, parents ought to strive and plan early how to save with a view of establishing their own family education fund.
With the help of Syarikat Takaful Malaysia, your child can effect a financial plan of which the proceeds can be used as your family scholarship fund. Now, your child can save regularly over a fixed period by participating in a specially designed takaful product, the Takaful Siswa Plan.
WHAT IS THE TAKAFUL SISWA PLAN
The Plan simply enables your child to participate in the takaful product with you as the trustee to guarantee the regular payment of the takaful instalment during the period of participation. The instalment that you pay regularly together with returns on the investment will accumulate into your family scholarship fund. Proceeds from the fund can later be spent towards the cost of your child's future tertiary education.
The earlier your child participates in the Takaful Siswa Plan, the bigger would be the amount saved. However, the payment of the takaful instalment ceases upon your child attaining 18 years old, whilst the Plan matures when he is 22 years old. You can rest assure that the Plan would help to lighten your future financial burden and at the same time help to ensure the first step towards your child's graduation.
WHO MAY PARTICIPATE
It is open to all children below 18 years old. In other words a baby or kid is eligible to participate, in fact the earlier or the younger the better. On the other hand the age of the parents must not exceed 55 years old upon inception of the Plan.
WHEN DOES THE PLAN MATURE
The Takaful Siswa Plan matures once your child attains 22 years old. However, the payment of the takaful instalment stops when he is 18 years old. If your child then enters college or university or any other institute of higher learning, 20 per cent of the proceeds under the Plan will be paid every year towards its cost until he is 22 years old.
HOW MUCH INSTALMENT TO BE PAID
If you plan to accumulate sizeable savings, your payment of takaful instalment should correspondingly be big commensurating with your goal. Nevertheless, to help you plan effectively Syarikat Takaful Malaysia provides a savings package based on the sum of takaful instalment of your choice from RM10, RM20, RM50, RM70, RM100, RM150, RM200, RM250 to RM300 per month.
WHAT ARE ITS SCOPES OF COVER
As participants of the Plan your child will be entitled to the following benefits:
Covering cost of education at tertiary level
Permanent and Total Disablement
As trustee :
Permanent and Total Disablement.
WHAT ARE THE SUPPLEMENTARY SCOPES OF COVER
As trustee who guarantees that the regular payment of takaful instalments is made during the period of participation, parents are given the option to elect for additional scopes of cover under the Takaful Siswa Plan participated by their children either for their own benefits or their immediate family members. This supplementary cover consists of :
Medical or Hospitalisation Benefit
HOW IS THE TAKAFUL INSTALMENT PAID
For your convenience in ensuring that the payment of takaful instalment is made regularly as scheduled. you may choose the mode most suitable to you , as follows:
Bank Standing Instruction
Credit or Charge Card Facility
Direct Payment by Cash or Cheque
WHEN IS PROFIT REALISED
As with other types of takaful products, the contract of the Takful Siswa Plan is based on the profit sharing principle of al-Mudharabah between the participant and Syarikat Takaful Malaysia .
Each takaful instalment paid will be credited in the Family Takaful Fund which is divided into the Participant's Account (PA) and the Participants' Special Account ( PSA). A substantial proportion of the instalment shall be credited into the PA as your child's saving, whilst the balance shall be credited into Participants' Special Acount (PSA) as tabarru' or donation which undertakes the additional benefit payable upon the untimely death of the trustee.
Both the PA and PSA shall be invested by the Company and returns on the investment, if any, shall be shared according to the principle of al-Mudharabah in the ratio of 70 per cent to the participant and 30 per cent to the Company. The participant's share of profit is in turn shall be credited into his PA and PSA accordingly.
HOW TO PARTICIPATE
Your child's participation in the Takaful Siswa Plan can simply be made by completing the Proposal and Declaration Form available free of charge from any of the Company's outlets conveniently located nearest to you. The duly completed Form should be forwarded to the Company so as to ensure prompt inception of your child in the Plan.
MORE INFO @ www.takaful-malaysia.com