Zurich Takaful Patina2016

There are a few things that you will need when making a claim. First of all you might want to download the proper claim form, so pick up the Zurich Takaful Personal Accident Claim form.

Now you are going to have to compile a list of documents that support your claim;

• Police report
• Medical report
• Driving license of Participant (only for motor accidents)
• Copy of Participant NRIC
• Original Medical bills
• Medical Leave certificate (if applicable)
• Credit card statements/Bank Statements (as proof of payment)

Once you have everything in order, along with a written statement describing the incident that took place, make your way over to the nearest Zurich Takaful Office or call their customer care hotline at, 1300-888-622 for further information.

So what is the Patina2016?

This Zurich Takaful product is a personal accident insurance plan meant to look after individuals in almost any situation, should they need the protection. It’s no secret that the world we live in is not as safe as we want it to be.

With this policy, you will have comprehensive coverage as well as peace of mind just in case.

What does it cover exactly?

You have protection in the case of accidents, and your family is taken care of in the event of your death due to an accident. Should you find yourself in a situation where you require medical treatment, you will not have to worry about medical expenses and ambulance fees.

The policy covers worst-case scenarios as well, including broken bones and burns, and permanent and temporary disability.

Are the premiums high?

The premiums are based on several plans within the policy. So, you are free to pick the plan that works best with you and stays within your budget.

Who can apply for this policy?

Patina2016 is a policy for anyone and everyone. As long as you are 16 years and above, you as an individual are entitled to apply for the policy.

As for families who would like to include their children in the plan, your child must be at least 30 days old to be eligible.

Am I only covered if I die from an accident?

No. Zurich Takaful Patina2016 also pays out a Death Benefit for death due to any cause, not just accidents. Depending on the plan you choose, this ranges from RM10,000 to RM200,000.

This is separate from the Accidental Death & Disablement benefit, which specifically covers death or disablement caused by an accident and pays out considerably more (RM50,000 to RM1,000,000).

Can I cancel this policy?

You can cancel this policy whenever you like. There is a 15-day cooling period after applying that allows you to cancel your policy and get a full refund of the premiums you have already paid.

However, after the cooling period is over, there is a lower chance of you getting your money back. To cancel the policy, you will need to send a written notice to Zurich Takaful at least a month before cancellation.

Need more details? Check out the product brochure and Product Disclosure Sheet.