Etiqa

Underwritten by Etiqa Takaful Berhad

Etiqa i-DoubleSecure

Safeguard your family's future with a term life takaful that gives you double protection for accidental death and total & permanent disability with the i-DoubleSecure.

    • RM50k Minimum Sum Assured
    • Death Coverage Until Age 69
    • TPD Benefit Up To 100% of Sum Assured
    • Death Benefit Up To 100% of Sum Assured

How to Claim

Who do I call to make a claim or state an emergency?

Etiqa Hotline
  •  1300138888
  • Features

    What makes this Etiqa insurance policy stand out?

    Cover Term
    protection up to age 69
    Premium Type
    flat rate. stays the same throughout policy term.

    Protection for Your Family

    How will Etiqa help to secure my family’s financial future?

    What's covered by your insurance plan
    Main Coverage
    Coverage Period
    Am I Protected?
    Natural Death
    A lump-sum payment to your family when you die of natural causes
    from 17 to 69 years oldYes, up to 100% of sum assured
     
    Accidental Death
    Death due to injury from an accident. Acts of war and illegal activities exempted.
    from 17 to 69 years oldYes, up to 200% of sum assured
     
    Total and Permanent Disability
    When you’re unable to work or take care of yourself due to ongoing injury or sickness
    from 17 to 64 years oldYes, up to 100% of sum assured
     
    Accidental Total and Permanent Disability
    Cash payout if you’re handicapped because of serious injuries from an accident.
    from 17 to 64 years oldYes, up to 200% of sum assured
     

    Age Requirements

    Am I eligible to apply for this Etiqa insurance?

    Minimum Age
    at least 17 years of age
    Maximum Age
    at most 55 years of age
    Expiry Age
    at most 69 years of age

    Frequently Asked Questions about Etiqa i-DoubleSecure

    Things you might want to know

    What is i-DoubleSecure by Etiqa Takaful?

    For protection that counts, i-DoubleSecure is a shariah compliant, term life takaful policy that provides lump sum payments for your family if anything were to happen you as a result of death or total and permanent disability. 

    No matter who you are in your family you play an important role, like pieces in a jigsaw puzzle. So don't take life for granted! Plan ahead so the puzzle doesn't have to fall apart. Entrust your loved ones to Etiqa for just RM300 a year or if you'd prefer to pay installments, for as low RM25 monthly. 

    Am I covered in the case of Death or Permanent Disability?

    This term life policy is tailored especially for situations that compromise the financial security of your family. In the event of your Death, your family will receive 100% of the sum assured in addition to any surplus from the 'Participants Risk Fund'. However, this is subject to your death occurring after the first year of your policy and before your 69th birthday. On that note, if your demise is caused by an accident, your loved ones will receive an additional 100% over the full sum assured.

    The same coverage applies for total and permanent disability. You'll receive 100% of your sum assured and any accumulated surplus from the 'Participants Risk Fund'. Additionally you'll also receive an additional 100% of the sum assured if your disability was caused by an accident. This is subject to your permanent disability occurring before you've turn 64.

    How much coverage do I get with this takaful life policy?

    That is entirely up to you! The i-Double Secure offers 3 types of Sum Covered to choose from - you can go for a coverage of RM50,000 or RM100,000 or RM200,000. You can choose to pay your premiums in either monthly installments or annually.

    Is this a Shariah-compliant term life policy?

    Take note that this policy applies the concept of Tabarru', which means that the participant agrees to contribute a portion from their monthly or yearly contribution into the Participants Risk Fund (PRF). The amount of which you wish to allocate for this sum is entirely up to you and you'll get returns based on the performance of the fund.

    i-Double Secure also applies the concept of Wakalah where a fee is paid to Etiqa Takaful Berhad to manage your contributions on your behalf. The Wakalah fee is a fixed deduction of RM60 per annum per certificate. This will be in addition to 25% of the total contribution for the first year and 6% of the total contribution each year after that. 

    How do I qualify for the i-Double Secure?

    That is a question with an easy answer. You are eligible for this term-life insurance product if you are at least 17 years of age and can still apply for it as long as you are under 55 years of age. The approval of your application will be based on your fulfillment of Etiqa's health requirements.

    What if I'm late on payments?

    Not to worry, you have a 31 day grace period from the due date of your contribution to make your payments. However, please be advised that if your payments are not made, your plan may be terminated prematurely. So pick a plan that works for you to avoid any issues in the future.

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