• Takaful Benefits

    Coverage shall be provided for the following Takaful Benefits:

    Basic Takaful Benefit: 1. Death due to any Cause 60 x Monthly Basic Salary.

    Supplementary Takaful Benefits: Subject to the Terms & Conditions, the level of Supplementary Takaful Benefit Per Scheme Member shall be as follows:

    1. Accidental Death Benefit (Double Indemnity)

      2. 100% of Basic Takaful Benefit.

    2. Permanent Total Disability (Accident & Sickness)

      3. 100% of Basic Takaful Benefit.

    3. Permanent Partial Disability (Accident & Sickness)

      Percent of 100% of Basic Takaful Benefit, based on the degree of disability, as per the Continental Scale/Table of Losses.

    4. Temporary Total Disability (Accident & Sickness)

      5. 100% of weekly salary, starting from 1st day up to a maximum of 104 weeks for Accident and 100% of weekly salary, starting after 14th day up to a maximum of 104 weeks for Sickness.

    5. Passive War Risk

      6. As per the Passive War Extension.

    6. Repatriation

      7. Actual expenses, limited to a maximum amount of AED 45,000/- per Scheme Member, including air ticket for the mortal remains of escort/ companion to the country of origin of the deceased scheme member with a maximum of AED 10,000.

    7. Long Term Disability

      8. 60% of Monthly Basic Salary, subject to a maximum amount of AED 100,000/- per Scheme Member per month starting after 104 weeks elimination period up to the maximum age of 70 years or death, whichever occurs first and subject to a maximum amount of AED 7,500,000/- per Scheme Member.

    8. Terminal Illness

      9. (Accelerated Benefit to the Basic Takaful Benefit) 50% of Basic Takaful Benefit, subject to a maximum amount of USD 100,000 per Scheme Member.

    9. Sadaqah Jariyah

      10. Up to AED 10,000 per Muslim Scheme Member and with a maximum of 7 deaths / AED 70,000 in the aggregate as a Sadaqah Jariah donation to one of the charity organizations registered in the UAE. This benefit will be paid in case of a death on behalf of the deceased Muslim Scheme Member who will not benefit from the Repatriation Benefit and will be buried in UAE.

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