Idikhar Plus

A Savings Plan to secure your loved ones and enhance your savings - For a Better Future

Idikhar Plus Plan is designed to serve as an efficient vehicle to help you reach your financial goals swiftly and effortlessly. The Plan smartly works alongside to keep you on track and make the most of your investment and protect your wealth, all in a Shari’ah Compliant way. It facilitates you to be disciplined towards your goals and protects your family.

Idikhar Plus is a Plan that helps you achieve your financial goals while protecting your family against any unforeseen financial loss and provides flexibility in managing your savings, all at the same time. It empowers you to go that extra mile by keeping your financial goals on track.

You may begin by selecting a Contribution amount and the level of protection to meet the financial objectives you have set for yourself. The advantage with this Plan is that it is flexible; for example you may choose:

  • How long you want to save.
  • How much you want to save.
  • How often you wish to pay.
  • Your Plan currency.
  • Where you want to invest.
  • The type and level of protection you need.

It provides flexibility to adjust your Contribution by increasing or decreasing your payout as per Contribution Term.
Along with Regular Contributions, you can boost your savings by adding a lump sum at any time during the term.
The Plan works to suit your needs, allowing you to make partial withdrawal after initial period to ensure you have access to your savings when you need it.


  • Family Takaful Benefit - The Plan pays out an agreed Family Takaful Benefit or built-in Terminal Illness Benefit if the Covered Member passes away or is diagnosed being terminally ill with a life expectancy of less than 12 months.
  • Building Investment –The Plan helps in building a better saving and Investment Fund.
  • Upfront Bonus Allocation – The bonus allocation applies from first day. The more you save, the more you will be rewarded.
  • Loyalty Bonus – You earn loyalty bonus every month starting from 3rd year of investment. Loyalty Bonus is allotted (monthly) as a percentage of your total Fund Value.
  • Investment Choice – You can choose from a variety of Shari’ah Compliant funds to form a strategy that best suits your needs.
  • Contribution Choices – You may choose to pay Regular Contributions on a monthly, quarterly, half-yearly or annual basis. An additional lump sum can be paid at any time.
  • Optional Protection Benefit –You may choose more protection for your family with Optional Protection Benefits. These benefits pay out an agreed protection cover as chosen by the Covered Member in case of a covered event.
  • Payment Options – You may choose to pay your Regular Contribution via Credit Card, Standing Order, Demand Draft or Telegraphic Transfer.
  • Manage Cover Level – At any time, you can alter your Protection Benefits as per your requirements. Enhancement of coverage is subject to underwriting requirements.
  • Flexible Contribution – The Plan allows you to increase, decrease, or put your regular contribution temporarily on hold up to one year or even add a lump sum.
  • Fund Switching – The Plan allows change of funds free of charge so that you may manage your investment and align it as per your circumstances.
  • Currency Choice – You may choose the Plan in US Dollars or UAE Dirham.

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.