What is Takaful Ikhlas Kembara Hajj and Umrah Takaful?
This is shariah-compliant travel insurance created by Takaful Ikhlas, aimed to provide you with the necessary protection against when you decide to make your pilgrimage for Hajj and Umrah.
The plan is specifically created for both your travel and safety during your pilgrimage and provides compensation in the event of injuries, total and permanent disability, or death. There are 3 plans in total; Basic Plan, Intermediate Plan, and Premium Plan. Each plan comes with a different level of coverage and premiums.
For illustration purposes the Tables above display the coverage and premiums for the Premium Plan.
Who is eligible to apply for this product?
Anyone over the age of 18 is eligible for enrollment in this plan. If you are traveling as a family, the age constrains for your children are between 30 days and 21 years of age. Coverage will extend to the maximum age of 80 years old.
What are some of the benefits covered by this products?
The table above is a representation of benefits offered with the Premium plan. However you will also receive additional coverage for Reimbursement of Deposit or Full Payment if Air Tickets or Tour Packages due to liquidation of Agency provided it is within 3 months of purchase.
Some of the special benefits included with this plan is a coverage for Badal Haji, Wakaf Services and Qurban Services. All three benefits are available in all three plans.
How long can my policy protect me?
The policy will protect you up to 31 days or the length of your pilgrimage. It is a single trip plan so you may choose to either purchase the plan for up to 14 days, up to 22 days or more than 23 days.
What are the Fees and Charges?
All usual insurance fees and charges apply as stated in the Fees section above. However there is one additional Takaful Management Expense charge which will amount to 35% of your Takaful Contribution.