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HEMAYA PLUS Securing Their Dreams, Protecting Your World

Life is unpredictable and one can never be sure about the future, therefore being able to provide for your family and see them happy is something you will always strive for. You are there for your family today, taking care of their current needs and future dreams in the best possible manner; but what happens if an unfortunate event occurs that leaves your loved ones without you. Will they be able to sustain the same comfortable lifestyle they are living now? Can they pursue the same dreams and aspirations in your absence?

Benefits

We understand that providing financial security only in case of the Covered Member’s loss of life will not be covering all the unfortunate eventualities. To ensure you are protected all the way, we are now providing the option to add any combination of the following benefits to your Hemaya Plus Family Takaful Plan.

Critical Illness Benefit
This optional Benefit provides a lump sum on diagnosis of a Critical Illness from a predetermined list of 36 diseases subject to a minimum survival period of one month. If Critical Illness claim is paid, the Family Takaful Cover will be reduced by the amount paid.

Accidental Death Benefit
This optional benefit provides an additional lump sum where death of the Covered Member is directly and solely because of an accident.

Permanent and Total Disability Benefit
This optional benefit provides a lump sum payment if as a result of a sickness or an accident, the Covered Member becomes permanently and totally Disabled, thus becoming unemployable. If a Permanent and Total Disability claim is paid, the Family Takaful cover will be reduced by the amount paid.

Waiver of Contribution
This optional benefit will pay the remaining Regular Contributions on behalf of the Plan Holder if as a result of sickness or accident, the Covered Member becomes Permanently and Totally Disabled and is unable to perform any occupation

Family Income Benefit
This optional Benefit provides fix annuity payments to the family upon death of the Covered Member for a period decided by him at plan commencement

Accidental Total or Partial Permanent Disability (Accidental Dismemberment Benefit) This optional benefit provides an additional lump sum payable in the event of accidental bodily injury resulting in total or Partial Permanent Disability such as loss of limb, loss of eyes, etc. The benefit amount is scaled and is linked to predetermined list of disabilities.

The Plan

  • It is a fixed Term Protection Plan that pays out an agreed sum if the Covered Member passes away or suffers from an unfortunate event covered by the Plan
  • Minimum and maximum criteria:
  • Minimum age at start of plan 18 years
    Maximum age at start of Plan 74 years
    Maximum age at end of Plan 100 years
  • Terminal Illness Benefit is included as a built - in cover.
  • Once the Plan is set up, the benefit amount or Plan Term cannot be changed.
  • The Plan can be on single or joint life first death basis in which case payout will be on first death and Plan will be terminated.
  • Terms & Conditions apply
    Disclaimer :
    Takaful Plans are offered by SALAMA - Islamic Arab Insurance Co. (P.S.C) All product features, benefits, and returns are offered by the Takaful company and not by Mashreq Al Islami. Mashreq Al Islami shall not be responsible for Takaful provider's actions or decisions, nor shall Mashreq Al Islami be liable regarding payment of claims or services under the takaful contract.
    This product/offer is for Mashreq Customers only.