Takaful Ikhlas PA Permata Takaful

Protect the ones that matter with a Shariah compliant PA Takaful that provides high benefits for fatal accidents and cash benefits when you're hospitalised. Your children will be entitled to almost 20% of all benefits!

Takaful Ikhlas PA Permata Takaful
Accidental Death
up to RM300k
Permanent Disablement
up to RM100k
Medical Expenses
Not covered


What makes this insurance policy stand out?

Cover Type
  • For Individual
  • For Couple
  • For Family
Maximum Entry Age
Protection up to 60 years


How much you can claim for Takaful Ikhlas PA Permata Takaful

Accidental DeathThe coverage amount paid to your closest family members if you die in an accident.
from RM100k up to RM300k 
Permanent DisablementCash payout following an accident if you can't work any longer or perform day to day tasks.
from RM100k up to RM100k 
Double IndemnityFor death that occurs using public transportation you get double the accidental death benefits.
from RM200k up to RM600k 
Ambulance FeeFor the ambulance ride to the hospital and paramedics who arrive on the scene.
up to RM500 
Funeral ExpensesWhat your insurer will cover for your funeral if you pass away in an accident
from RM1k up to RM3k 
Hospital AllowanceThis is a cash benefit if you're admitted to the hospital due to an accident.
from RM100 up to RM300 each day, up to 60 days per policy year

How to Claim

Who do I contact if I have a question or emergency?

To make a claim with Takaful Ikhlas you will first need to call and notify them and ask for them to send you the claim form you will need according to the situation you are in. Remember to direct your call or your claims to the Family Takaful Claims department. 

You/Claimant will need to have the claim form, and a signed statement regarding the incident along with a few other pieces of documentation before you can submit the claim. The list may or may not go as follows, so remember to ask for a clarified list when you request the claim form;

For accident claims;

  1. Completed Claim Form
  2. Medical Report or Specialist Report as appropriate
  3. Original Medical Bills/Receipts
  4. Letter of Administration as applicable
  5. Written statement about the incident
  6. Copy of your NRIC

For fatal death claims;

  1. Police Report
  2. Post Mortem Report
  3. Death Certificate
  4. Burial Certificate
  5. Letter of Employment
  6. Last drawn salary slip prior to accident
  7. Copy of Deceased’s Identity Card/Driving License

Once you have everything together, either head on over the nearest Takaful Ikhlas office or branch to deliver them, or contact your agent to come pick it up.


Minimum Entry Age
At least 18 years of age
Maximum Entry Age
At most 60 years of age

More Information

What is the Permata Takaful?

This is one of the most flexible and accommodating personal accident protection plan offered by Takaful Ikhlas to cater to their diverse range of clients and you. Permata Takaful comes with 3 plans for you to choose from based on your needs and financial standing. Along with the ability for customization to convert the plan into a couple or family protection.

What does the policy cover?

As a personal accident protection plan, this policy will cover accidental death as well as accidental total or permanent disability. The policy also offers you care in terms of a daily hospital income should you be admitted for an extended period of time. Relax your mind, that is not all it covers.

This policy also will offer a payout for immediate death expenses, so in case of an emergency you find yourself lacking some funds, the protection plan should kick in and give you some financial backing. Another thing, if you are a parent with children and require a caretaker for them while you are in hospital, this protection policy comes with a child benefit to cover that expense.

How do the premiums work?

Usually, insurance premiums will change and vary depending on the plan you choose, as well as your age, financial stability and physical needs. Therefore, this policy comes with varying premium rates as well, with the addition of flexibility. You can choose to turn this plan form an individual one or a couple plan in just a few simple steps and have a collective premium that is still super affordable.

Eligibility requirements?

The minimum age for you to pick up this policy is 18. For you to include your children into the policy they will need to be over the age of 1 or more than a year old, and they will remain covered till the age of 21. However, the coverage can continue if they are still full-time students at that time, till the maximum age of 23.

The maximum entry age for this policy is 60 years old.

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