What is the Kembara Plan B?
This is second of two Shariah compliant travel insurance plans offered by Takaful Ikhlas. Traveling around the world can be fun, educational and a time of bonding for the whole family. However, enjoyable as it is, it is not without danger.
Therefore looking out for a travel insurance plan that covers all the basics on a world wide scale is always a good thing. With the Takaful Ikhlas Kembara Plan B, you get to have peace of mind and be free at heart to release the wanderer within.
What does this product cover?
It covers death and permanent disability as well as most medical expenses and hospital fees. In the unlikely event of your death, the plan also covers funeral expenses to a certain degree.
But since it is first and foremost a travel insurance plan, it covers most travel inconveniences. So if you are hit with the misfortune of losing your luggage or any other personal effects, those losses are claimable. You are also covered in case of travel cancellations and third party liability.
How do I make a claim?
Well first you will need to act fast. All claims have to be made within 2 weeks from the day any incident took place. So if you find yourself in a situation, contact Takaful Ikhlas immediately and get them to send you a claim form.
Remember to make a report, either with the police, airlines or hospital. Whether its one of the three or all of the three, hang on to the original copies of these reports. Along with them, include any receipts and bank statements, or credit card statements that have proof of payment and provide proof of proximity. The insurer will need them to verify the dates in which the incident took place.
Once you have all the right documentation, submit them collectively to the nearest Takaful Ikhlas branch or fax them.
Is this a renewable policy?
Yes it is. At the end of your current tenure, there is a 14-day cooling period in which you can choose to pay a renewal fee. If no fee is paid the contract will automatically expire.
Who can apply for this policy?
This policy is meant for individual application. Anyone over the legal age of 18 can pick it up for themselves. However, if you’d like to get coverage for your child, you will need to purchase a separate plan for them all together. Conditions are that they must be 3 years old or more.