QUOTATION GREAT EASTERN TAKAFUL UNTUK ANAK, GIRL, 8 TAHUN

Great Eastern Takaful Berhad
(formerly known as Great Eastern Takaful Sdn. Bhd.)
(916257-H)
A Family Takaful Benefit Illustration For
MISS SITI NUR FAQIHAH
Plan Name
i-Great Damai
PRESENTED BY : GREAT EASTERN TAKAFUL BERHAD (916257-H)
DATE PREPARED : 27/11/2014
Important Notes:
1. The projected Family Takaful coverage is merely for illustration purposes, not deemed as legal document binding the participants to the
Takaful Operator, and is not meant to confirm the actual Family Takaful coverage. Actual Family Takaful coverage is subject to Takaful
Operator's prior approval, certificate document, terms and conditions.
2. Each page of this benefit illustration forms an integral part of the benefit illustration. A prospective certificate owner is advised to read and
understand the information provided on each and every page.

Great Eastern Takaful Berhad (formerly known as Great Eastern Takaful Sdn. Bhd.) (916257-H)
Level 3, Menara Great Eastern,303 Jalan Ampang,50450 Kuala Lumpur Tel : (603) 4259 8338 Fax : (603) 4259 8808
Date: 27/11/2014 (GETBIS-1.16) Prepared by : GREAT EASTERN TAKAFUL BERHAD
Quotation for : A003 i-Great Damai Gender : Female
Plan Type : Regular Contribution Investment-Linked Family Takaful Plan Smoker : No
Customer Name : MISS SITI NUR FAQIHAH Age Next Birthday : 8
Contribution Mode : Yearly
Contributor's Age : 32 Occupation Class : 2
Contributor's Gender : Female
Contributor's Smoker : No
BENEFIT TABLE:
Basic Plan and Rider(s),
if any
Term
(Years)
Benefit Amount
(RM)
Annualized
Contribution ^
(RM)
Extra Mortality
(%)
Loading (RM
Per 1,000)
Extra
Contribution
(RM)
Yearly
Contribution ^
(RM)
A003 - Basic Plan#
Death/TPD (Basic Sum
Covered)
91 50,000 2,400.00 0% 0.00 0.00 2,400.00
Unit deduction rider(s)*
A416 i-CIBR 91 20,000 0.00 0% 0.00 0.00 0.00
A412 i-M200 72 200 0.00 0% 0.00 0.00 0.00
J1 i-MP200 72 200 0.00 0% 0.00 0.00 0.00
A409 i-HB 72 400 0.00 0% 0.00 0.00 0.00
A405 i-PP 91 2,400 0.00 0% 0.00 0.00 0.00
A402 i-CBP 17 2,400 0.00 0% 0.00 0.00 0.00
Total (RM) 2,400.00 0.00 2,400.00
^ Please add 6% service tax for contribution payable by Business Organisation.
# Annualized Contribution for Basic Plan (Basic Annual Contribution) comprises of Takaful Contribution and Balancer (if any).
Balancer is allocated to the Unit Fund mainly for savings purpose.
* For unit deduction rider(s), the coverage for these riders is paid from the Annualized Basic Contribution.
PLAN DESCRIPTIONS:
· i-Great Damai is a regular contribution investment-linked Family Takaful plan that matures at age 99 with access to
professionally managed Unit Fund(s) with the benefit of Family Takaful cover.
· Contributions paid are used to purchase units in the Unit Fund(s) according to the prescribed allocation rate and placed into
the Participant's Unit Account (PUA)1. Tabarru' will be deducted monthly from the PUA into the Tabarru' Fund2.
· This plan provides you benefits in the event of death or Total and Permanent Disability (TPD). It also provides you total
values of Unit Fund(s), if any, upon maturity. In addition, a Bereavement Benefit of RM2,000 will be payable upon death.
· Underwriting Surplus, if any, will be calculated and distributed annually. The Participants are entitled to receive the
Underwriting Surplus (if any) arising from the Tabarru' Fund. The Underwriting Surplus will first be allocated for contingency
purposes as deemed fit by the Takaful Operator before it is shared among the participants and Takaful Operator in the
proportion of 50% and 50% respectively. The allocated amount for participants will be credited into the PUA.
· 100% of the Investment Profit, if any, arising from the Tabarru' Fund at the end of each financial year will be given to the
Participants which will be credited into the PUA. When there is loss, there will be no profit distribution for that year. The
losses be carried forward and to be accounted for before arriving at Underwriting Surplus or deficit in the following year.
100% of the Investment Profit or Loss, if any, which comes from PUA will be reflected in the unit price.
NOTES:-
· 1 Participant's Unit Account (PUA) is the account where units are allocated, depending on the amount of contributions paid.
· 2 Tabarru' Fund refers to a pool of funds established for the purpose of solidarity and cooperation among the participants
and is used to help all participants in the event of misfortunes.
IMPORTANT:
THIS IS A FAMILY TAKAFUL PRODUCT THAT IS TIED TO THE PERFORMANCE OF THE UNDERLYING ASSETS, AND IS NOT
A PURE INVESTMENT PRODUCT SUCH AS UNIT TRUSTS.
· You should read this illustration together with the Fund Fact Sheet(s) of the Unit Fund(s) which you have chosen. The Fund
Fact Sheet contains all the important information that you will need to know regarding the Unit Fund(s).
· Since only 43% of the Takaful Contribution for the first two certificate years is used to purchase units, while 95% of Top-Ups is
used to purchase units, you can maximize your investment value by minimizing your Annualized Basic Contribution and
maximizing your Top-Ups.
· Minimum Annualized Basic Contribution Required* : RM1,200.00
· Minimum Single Contribution Top-ups Allowed* : RM1,000.00
* This is the minimum amount that you can contribute. Please note that the contribution amount may be subject to further
adjustments in accordance to regulatory guidelines.
· Therefore, if your participation involves a contribution of sizeable amount, you should consider participating in a single
contribution investment-linked certificate, if any, (rather than a regular contribution certificate) as single contribution certificates
offer better allocation rates for investment. However, please take note that single contribution plans may not offer as much
family takaful protection as regular contribution plans and may have less riders attachable.
· Your investment-linked certificate will lapse/ terminate if there is not enough units in your PUA to pay the charges. Your units
may not be enough over the years due to:
· High Tabarru' if you participate in too much coverage (i.e. high Basic Sum Covered or too many riders), and especially if the
charges are increasing over time as you get older.
· Poor investment returns.
GREAT EASTERN TAKAFUL BERHAD / 916257-H / (GETBIS-1.16) Page 2 of 53

· Contribution holiday - i.e. if you stop paying contributions for a long period of time.
ATTENTION
YOUR TABARRU' RATES WILL INCREASE AS YOU GET OLDER. IN THE LATER YEARS, IT IS POSSIBLE THAT THE
ACCUMULATED FUND VALUE IS NOT ENOUGH TO PAY FOR YOUR TABARRU' DUE TO POOR INVESTMENT RETURNS,
WHICH WILL RESULT IN YOUR CERTIFICATE BEING CANCELLED. YOU MAY NEED TO INCREASE YOUR CONTRIBUTIONS
OR REDUCE THE LEVEL OF FAMILY TAKAFUL PROTECTION, IF YOU WANT TO MAINTAIN YOUR CERTIFICATE.*
*You should ask your agent to explain to you about the Tabarru' and its effect on your future Family Takaful coverage.
SUMMARY ILLUSTRATION:
· This summary illustration is intended to show the movements of possible cash flows for the investment and the impact of fees
and charges on cash values based on illustration below.
· The projected investment returns used below are for illustrative purposes and not meant to show possible returns of your
chosen Unit Fund(s). They are not guaranteed and not based on past performance.
· Actual returns of the fund(s) will fluctuate (i.e. rise or fall) each year based on the performance of the underlying assets of the
fund(s).
· The actual returns may even be below the projected rates or negative.
PROJECTED INVESTMENT RATE OF RETURN
· The returns of X% and Y% have been used respectively to represent the range of possible returns on your chosen Unit
Fund(s).
· These rates of returns are used purely for illustration purposes only, and do not represent the upper and lower limit of the
actual rate that may occur.
· The performance of the Unit Fund(s) is NOT GUARANTEED and the values of the Unit Fund(s) may fall below the amount of
contributions paid, depending on the performance of the underlying assets of the Unit Fund(s). The actual benefits payable will
depend on the actual performance of the underlying assets of the Unit Fund(s) and the actual returns may be less or more than
the values illustrated.
· The investment risks under the certificate are borne solely by the certificate owner. The certificate owner must be aware that
the unit prices may fall as well as rise.
· Please refer to the Fund Fact Sheet(s) which is available in www.i-great.com for historical actual annual returns of the Unit
Fund(s). However, please also note that the past actual performance is NOT a guide to future performance which may be
different.
· Below is the selected benchmark indices for the Unit Fund(s):
Unit Fund(s) Benchmark Benchmark Returns (%)
2009 2010 2011 2012 2013
F1 Dana i-Makmur 12 Months Islamic Deposit 2.80 2.85 3.10 3.20 3.21
F2 Dana i-Mekar FBME Shariah Index 43.00 18.20 2.40 11.90 13.29
F3 Dana i-Majmuk 50% FBME Shariah Index + 50% 12
Months Islamic Deposit
22.92 10.52 2.75 7.53 8.25
where
12 Months Islamic Deposit : 12 Months Islamic Deposit Rate
FBME Shariah Index : FTSE Bursa Malaysia Emas Shariah Index
· Benchmark returns have been adjusted for currency fluctuations for meaningful comparison.
· Note that the rates of return referred to above is calculated based on the investment in the specified Unit Fund(s) and not to
the contributions paid under this certificate.
Description of Fund Objective
F1 Dana i-Makmur A fund which invests in Islamic fixed income securities, for example government and corporate sukuks
(ranging from 40% to 95%) with the balance invested in Islamic deposits. This fund seeks to provide
consistent return at low levels of volatility. Dana i-Makmur only invests in Shariah-compliant securities.
F2 Dana i-Mekar A fund where 80% to 100% of the investments are in Shariah-compliant equities, which may be
volatile in the short term. This fund seeks to achieve medium to long term capital appreciation.
Although the fund invests mainly in Malaysia (80% – 100%), it may partially invest in Singapore (up to
25%) and Hong Kong (up to 25%), if and when necessary, to enhance the fund’s returns. Dana i-
Mekar only invest in Shariah-compliant securities.
F3 Dana i-Majmuk A fund which invests in a mixture of Shariah-compliant equities, Islamic fixed income securities and
Islamic deposits. There is flexibility in asset allocation as this fund may invest solely in Islamic fixed
income securities or Shariah-compliant equities. This fund seeks to provide medium to long-term
capital appreciation, with a moderate level of volatility. Dana i-Majmuk only invest in Shariah-compliant
securities.
The choice of Unit Fund(s) should be based on, among others, your tolerance to risk. Please seek advice from your agent or us on
your tolerance to risk.
UNIT FUND ALLOCATION
Projected Gross Investment Return#
Unit Fund(s) Y% X%
Certificate Year 1-20 Certificate Year 21-30 Certificate Year 1-30
F1 Dana i-Makmur 7.00 5.00 4.00
F2 Dana i-Mekar 9.00 6.00 2.00
F3 Dana i-Majmuk 8.00 5.50 3.00
UNIT FUND(S) APPORTIONMENT
Certificate Year Unit Fund(s) (%) Weighted Projected Gross Investment Return#
Y% X%
From To F1 F2 F3 Certificate Year 1-20 Certificate Year 21-30 Certificate Year 1-30
1 91 50.00 50.00 - 8.00 5.50 3.00

#Before deduction for tax and Fund Management Charge.

Illustration of Expected Benefits for Basic Plan and Rider(s), if any
NOT GUARANTEED GUARANTEED
End of
Certificate
Year
Age at End of
Certificate
Year
Total
Contribution
Paid (RM)
Projected Gross Investment Return: Y%#
(RM)
Projected Gross Investment Return: X%#
(RM)
Rider(s)
Accumulated Cash
Value
Death/TPD Benefit Accumulated Cash
Value
Death/TPD Benefit i-CIBR (RM) i-M200 (RM) i-MP200 (RM) i-HB (RM) i-PP (RM) i-CBP (RM)
1 9 2,400.00 272 50,272 245 50,245 20,000 200 200 400 2,400 2,400
2 10 4,800.00 565 50,565 496 50,496 20,000 200 200 400 2,400 2,400
3 11 7,200.00 1,721 51,721 1,560 51,560 20,000 200 200 400 2,400 2,400
4 12 9,600.00 2,968 52,968 2,661 52,661 20,000 200 200 400 2,400 2,400
5 13 12,000.00 4,526 54,526 4,002 54,002 20,000 200 200 400 2,400 2,400
6 14 14,400.00 6,185 56,185 5,369 55,369 20,000 200 200 400 2,400 2,400
7 15 16,800.00 8,336 58,336 7,129 57,129 20,000 200 200 400 2,400 2,400
8 16 19,200.00 10,626 60,626 8,922 58,922 20,000 200 200 400 2,400 2,400
9 17 21,600.00 12,909 62,909 10,598 60,598 20,000 200 200 400 2,400 2,400
10 18 24,000.00 15,338 65,338 12,305 62,305 20,000 200 200 400 2,400 2,400
11 19 26,400.00 17,924 67,924 14,044 64,044 20,000 200 200 400 2,400 2,400
12 20 28,800.00 20,677 70,677 15,814 65,814 20,000 200 200 400 2,400 2,400
13 21 31,200.00 23,607 73,607 17,618 67,618 20,000 200 200 400 2,400 2,400
14 22 33,600.00 26,656 76,656 19,389 69,389 20,000 200 200 400 2,400 2,400
15 23 36,000.00 29,908 79,908 21,197 71,197 20,000 200 200 400 2,400 2,400
16 24 38,400.00 33,375 83,375 23,047 73,047 20,000 200 200 400 2,400 2,400
17 25 40,800.00 37,075 87,075 24,941 74,941 20,000 200 200 400 2,400 2,400
18 26 43,200.00 41,011 91,011 26,867 76,867 20,000 200 200 400 2,400 N/A
19 27 45,600.00 45,205 95,205 28,835 78,835 20,000 200 200 400 2,400 N/A
20 28 48,000.00 49,665 99,665 30,837 80,837 20,000 200 200 400 2,400 N/A
21 29 50,400.00 53,222 103,222 32,872 82,872 20,000 200 200 400 2,400 N/A
22 30 52,800.00 56,920 106,920 34,939 84,939 20,000 200 200 400 2,400 N/A
23 31 55,200.00 60,765 110,765 37,038 87,038 20,000 200 200 400 2,400 N/A
24 32 57,600.00 64,732 114,732 39,142 89,142 20,000 200 200 400 2,400 N/A
25 33 60,000.00 68,857 118,857 41,278 91,278 20,000 200 200 400 2,400 N/A
26 34 62,400.00 73,145 123,145 43,447 93,447 20,000 200 200 400 2,400 N/A
27 35 64,800.00 77,602 127,602 45,649 95,649 20,000 200 200 400 2,400 N/A
28 36 67,200.00 82,236 132,236 47,885 97,885 20,000 200 200 400 2,400 N/A
29 37 69,600.00 86,954 136,954 50,057 100,057 20,000 200 200 400 2,400 N/A
30 38 72,000.00 91,856 141,856 52,259 102,259 20,000 200 200 400 2,400 N/A
# Using Weighted Projected Gross Investment Return of X% and Y% as available in the previous page.
NOTES: -
1. i-CIBR : i-Critical Illness Benefit Rider
i-M200 : i-Medik 200 Rider
i-MP200 : i-Medik Plus 200 Rider
i-HB : i-Hospitalisation Benefits Rider
i-PP : i-Provider Plus Rider
i-CBP : i-Contributor Benefit Plus Rider
2.Benefit(s) under the rider(s) is payable only if the basic plan and the rider(s) are inforce.

3.This illustration must be read in accordance with the full notes as appeared in the section on Important Notes.
4.All figures presented are in RM. (E&OE)

Illustration of Expected Benefits under Projected Gross Investment Return of X% and Y% assumption
GUARANTEED NOT GUARANTEED
(A) (B) (C) (D) (E) (F) (G) (H) (I) (J) = (D)+(I) (K)
End of
Certificate
Year
Age at End
of Certificate
Year
Contribution
Paid (RM)
Upfront Charge
(RM)
Allocated
Contribution
(RM)
Basic Sum
Covered (RM)
Tabarru' (RM) Service Charge
(RM)
Fund Management Charge
(RM)
Accumulated Cash Value
(RM)
Death/TPD Benefit (RM) Direct
Distribution
Cost1 (RM)
Basic Plan Rider(s) Y%# X%# Y%# X%# Y%# X%#
1 9 2,400.00 1,368.00 1,032.00 50,000 70.44 655.20 72 5 5 272 245 50,272 50,245 840.00
2 10 2,400.00 1,368.00 1,032.00 50,000 70.44 653.04 72 8 8 565 496 50,565 50,496 840.00
3 11 2,400.00 576.00 1,824.00 50,000 70.44 651.12 72 18 18 1,721 1,560 51,721 51,560 600.00
4 12 2,400.00 576.00 1,824.00 50,000 70.44 634.32 72 29 28 2,968 2,661 52,968 52,661 600.00
5 13 2,400.00 360.00 2,040.00 50,000 70.44 632.76 72 43 41 4,526 4,002 54,526 54,002 360.00
6 14 2,400.00 360.00 2,040.00 50,000 70.44 630.84 72 58 54 6,185 5,369 56,185 55,369 360.00
7 15 2,400.00 0.00 2,400.00 50,000 70.44 628.32 72 77 70 8,336 7,129 58,336 57,129 0.00
8 16 2,400.00 0.00 2,400.00 50,000 70.44 627.36 72 97 87 10,626 8,922 60,626 58,922 0.00
9 17 2,400.00 0.00 2,400.00 50,000 70.44 774.84 72 118 104 12,909 10,598 62,909 60,598 0.00
10 18 2,400.00 0.00 2,400.00 50,000 70.44 774.12 72 139 120 15,338 12,305 65,338 62,305 0.00
11 19 2,400.00 0.00 2,400.00 50,000 70.44 772.68 72 162 136 17,924 14,044 67,924 64,044 0.00
12 20 2,400.00 0.00 2,400.00 50,000 70.44 771.72 72 187 153 20,677 15,814 70,677 65,814 0.00
13 21 2,400.00 0.00 2,400.00 50,000 70.44 769.92 72 213 170 23,607 17,618 73,607 67,618 0.00
14 22 2,400.00 0.00 2,400.00 50,000 70.44 834.96 72 240 187 26,656 19,389 76,656 69,389 0.00
15 23 2,400.00 0.00 2,400.00 50,000 70.44 828.36 72 269 204 29,908 21,197 79,908 71,197 0.00
16 24 2,400.00 0.00 2,400.00 50,000 70.44 820.32 72 300 222 33,375 23,047 83,375 73,047 0.00
17 25 2,400.00 0.00 2,400.00 50,000 70.44 808.44 72 332 240 37,075 24,941 87,075 74,941 0.00
18 26 2,400.00 0.00 2,400.00 50,000 70.44 809.76 72 367 258 41,011 26,867 91,011 76,867 0.00
19 27 2,400.00 0.00 2,400.00 50,000 70.44 803.28 72 404 276 45,205 28,835 95,205 78,835 0.00
20 28 2,400.00 0.00 2,400.00 50,000 70.44 804.36 72 444 295 49,665 30,837 99,665 80,837 0.00
21 29 2,400.00 0.00 2,400.00 50,000 70.44 806.40 72 491 315 53,222 32,872 103,222 82,872 0.00
22 30 2,400.00 0.00 2,400.00 50,000 70.44 810.72 72 525 334 56,920 34,939 106,920 84,939 0.00
23 31 2,400.00 0.00 2,400.00 50,000 70.44 815.52 72 560 354 60,765 37,038 110,765 87,038 0.00
24 32 2,400.00 0.00 2,400.00 50,000 70.44 848.52 72 597 374 64,732 39,142 114,732 89,142 0.00
25 33 2,400.00 0.00 2,400.00 50,000 70.44 853.20 72 634 394 68,857 41,278 118,857 91,278 0.00
26 34 2,400.00 0.00 2,400.00 50,000 70.44 858.36 72 674 415 73,145 43,447 123,145 93,447 0.00
27 35 2,400.00 0.00 2,400.00 50,000 70.44 864.48 72 714 436 77,602 45,649 127,602 95,649 0.00
28 36 2,400.00 0.00 2,400.00 50,000 70.44 870.00 72 757 457 82,236 47,885 132,236 97,885 0.00
29 37 2,400.00 0.00 2,400.00 50,000 70.44 972.24 72 801 478 86,954 50,057 136,954 100,057 0.00
30 38 2,400.00 0.00 2,400.00 50,000 70.44 981.12 72 845 499 91,856 52,259 141,856 102,259 0.00
# Using Weighted Projected Gross Investment Return of X% and Y% as available in the previous page. 1Cost directly attributable to the distribution channel for the marketing of this certificate, i.e. payments to your agent. This cost is paid from the charges that are imposed on your certificate for services that your agent will
provide to you for the duration of your certificate. Note also that production bonus (5% of the first year contribution) and persistency bonus (5% of the second year contribution) are payable provided your agent meets the
qualifying criteria set by the Takaful Operator.
NOTES: -
1.The projected benefits shown above are for illustration purpose only and are NOT GUARANTEED.
2.The illustrated Tabarru' and other charges are based on current rates. These are subject to revision and may be varied from time to time, upon at least 3 months' written notice (or 30 days for Medical and Health Takaful
(MHT)) to the Certificate Owner.

3.Where "N/A" is shown in the above illustration, this indicates that there is no Tabarru' and benefit coverage for the rider(s).
4.Where "-" is shown in the above illustration, this indicates that the certificate has lapsed under the Projected Gross Investment Returns of X% and Y% respectively, as indicated in the respective column headers. As a
result, this means that all forms of benefits (cash value, death benefit, etc) will not be applicable. Where columns do not mention whether X% or Y% applies, the projected lapse of the certificate is based on the Projected
Gross Investment Return of Y%. Please note that these outcomes are based on assumed investment returns, contributions paid and charges. The benefits may vary, and the certificate may lapse earlier or later depending
on actual investment returns, contributions paid and charges.
5.Basic Sum Covered is guaranteed as in the event of deficiency in Tabarru' Fund, Takaful Operator shall rectify the deficit through Qard Hasan or outright transfer.
6.This illustration must be read in accordance with the full notes as appeared in the section on Important Notes.
7.All figures presented are in RM. (E&OE)

IMPORTANT NOTES
GENERAL INFORMATION
· The information set out below forms part of your benefit illustration.
· Great Eastern Takaful Berhad (formerly known as Great Eastern Takaful Sdn. Bhd.) (Takaful Operator) believes it is important
that you fully appreciate all the benefits under your certificate and that you also understand how the cost of the Family Takaful
protection, distribution, administration, investment and other costs affect these benefits.
· You should satisfy yourself that the plan serves your needs and that you can afford the contribution. If you need clarification,
please contact us or your agent.
· Participating in a regular contribution family takaful certificate is a long-term commitment. It is not advisable to hold this certificate
for a short period of time in view of the high initial costs.
· The information set out below explains the individual items in your benefit Illustration table.
CONTRIBUTION PAID
· This is the amount that you (the certificate owner) pay for this certificate. Take note that not all of the amount paid will be
invested into the Unit Fund(s) you selected. See explanation on unallocated and allocated contribution below.
UNALLOCATED CONTRIBUTION (UPFRONT CHARGE)
· The unallocated contribution charge is an upfront charge on the contribution paid and is used to meet the Takaful Operator's
expenses and direct distribution cost, including the commissions payable to the agent.
· Your agent may also be entitled to production and persistency bonuses during the first two years of the certificate provided that
your agent meets the qualifying criteria set by the Takaful Operator.
ALLOCATED CONTRIBUTION
. The allocated contribution is the contribution paid less the unallocated contribution (upfront charge) and will be allocated into
PUA.
· This is the amount that will be used to purchase units at Net Asset Value (NAV) in the Unit Fund(s) which you have selected.
· Net Asset Value (NAV) : NAV is the price at which the certificate owner purchases the units in a Unit Fund and sell the units
back to the Unit Fund.
· The NAV of each Unit Fund is determined daily after the valuation of the assets of the Unit Fund.
· The allocation rates for the Annualized Contribution Paid are as follows (as a % of contributions):-
Certificate Year 1 2 3 4 5 6 7 & onwards
Contributions Paid
(RM) 2,400.00 2,400.00 2,400.00 2,400.00 2,400.00 2,400.00 2,400.00
Allocated
Contribution % 43.00 43.00 76.00 76.00 85.00 85.00 100.00
RM 1,032.00 1,032.00 1,824.00 1,824.00 2,040.00 2,040.00 2,400.00
· The allocation rates for Single Contribution Top-Ups and Balancer is 95% of contribution paid for all years.
BASIC SUM COVERED (BSC)
· This is the minimum amount to be received on death or when the Person Covered become disabled.
The certificate owner may increase the sum covered without increasing the regular contribution, subject to the terms and
conditions to be determined by the Takaful Operator at that time.
TABARRU' & CHARGES
· These charges are taken out from your PUA.
· The illustrated Tabarru' and other charges are based on current rates. These are subject to revision and may be varied from time
to time by giving 3 months' written notice to the certificate owners. For Medical and Health Takaful (MHT) plan / rider, a 30-day
written notice will be given for any upward revision on the charges.
· Tabarru' is deducted monthly from the value of your units to pay for the Family Takaful coverage. The Tabarru' varies by the
attained age, gender, occupation class, medical rating and smoking status, where applicable. The Tabarru' may increase as you
grow older.
· Other Charges: -
In this illustration, the following charges have been assumed:-
(a) Service Charge : An administration charge of RM6 will be deducted monthly from the Participant's Unit
Account.
(b) Fund Management Charge : This refers to the annual management fee (% of Unit Fund) deducted from the value of the
Unit Fund(s) to cover the cost of managing the Unit Fund(s).
Unit Fund(s) Fund Management Charge (per annum)
F1 Dana i-Makmur 0.50%
F2 Dana i-Mekar 1.45%
F3 Dana i-Majmuk 1.25%
CASH VALUE
· This is the projected value of units at any particular point in time that you may receive if you surrender the certificate and is net of
tax and all applicable charges.
· If the certificate is terminated early, you may get less than the amount of contributions paid.
· This plan does NOT offer any guaranteed minimum surrender value or maturity benefit and the certificate may lapse early
depending on the actual investment returns and charges.
. The cash value may fall below the total allocated contribution, depending on the actual performance of the fund.
· The Takaful Operator reserves the right, in circumstances it considers exceptional, to suspend creation or cancellation of units.

DEATH BENEFIT
· This is the amount that will be payable upon the Person Covered's death.
· While the certificate is inforce and subject to its terms and conditions, in the event of death of the Person Covered, the following
will be payable as Death Benefit:
(i) BSC from the Tabarru' Fund; plus
(ii) the total values of the Unit Fund(s), if any, which is calculated at NAV on the next valuation date, from the PUA.
· For person covered below age 5 years next birthday, a child lien as follows shall apply:-
Age Next Birthday on Certificate Anniversary 1 2 3 4
Percentage (%) of BSC 20 40 60 80
Full cover will be given from age 5 next birthday onwards.
TOTAL AND PERMANENT DISABILITY (TPD) BENEFIT
· While the certificate is inforce and subject to its terms and conditions, in the event of TPD prior to the certificate anniversary on
which the Person Covered attains age 70 years next birthday, the Takaful Operator will advance the Death Benefit. Under such
circumstance, the certificate owner has the option of whether to retain the total values of the Unit Fund(s) with the Takaful
Operator or opt for it to be paid in one lump sum.
· The Basic Sum Covered will be advanced as follows:
(i) the Basic Sum Covered not exceeding RM2,000,000 shall be paid in 3 annual instalments with the first being a lump sum of
the Basic Sum Covered or RM1,000,000, whichever is lesser, and
(ii) the balance of the Basic Sum Covered (if any) will be payable in two equal, annual instalments of maximum RM500,000
each.
· The maximum TPD benefit payable under this and all Individual and credit-related Family Takaful certificates (including riders)
on the same Person Covered, is RM2,000,000.
· For Person Covered below age 5 years next birthday, a child lien as per Death Benefit shall apply. This is further subject to a
maximum TPD benefit of RM500,000 payable under this and all individual and credit-related Family Takaful certificates
(including riders) on the same Person Covered.
BEREAVEMENT BENEFIT
· While the certificate is inforce and subject to its terms and conditions, a Bereavement Benefit of RM2,000 will be payable from
Takaful Operator's Fund as a gift upon death of the Person Covered provided all the required documents by the Takaful
Operator in connection with such claim are furnished to the Takaful Operator.
· The admittance of this benefit does not guarantee that the death benefit and/or other benefits will be payable. The Takaful
Operator's liability in respect of the death benefit and/or other benefits shall be evaluated only after submission of all satisfactory
proof required by the Takaful Operator, subject to the terms and conditions of the certificate.
MATURITY BENEFIT
· Upon maturity, the total values of the Unit Fund(s), if any, will be payable in one lump sum.
EXCLUSIONS
· Death during the first certificate year as a result of suicide, while sane or insane.
· TPD resulting from self-inflicted injuries, while sane or insane.
Note: The above list of exclusions is applicable for basic plan only and is non-exhaustive. Please refer to your certificate for the full list
of exclusions under the basic plan and rider(s), if any.
RIDER(S) DESCRIPTION
A416 i-Critical Illness Benefit Rider (i-CIBR)
· i-Critical Illness benefit Rider is a unit deduction rider that provides coverage in the event of critical illness.
. This rider will accelerate the sum covered of the basic plan.
A412 i-Medik Rider (i-M200)
· i-Medik Rider is a unit deduction rider that provides coverage for hospitalisation and surgical expenses incurred due to illness or
accidental injury.
· It comes with a unique product feature where the initial Overall Annual Limit will be increased at the end of every third (3rd)
certificate year starting from the effective date provided that no claim has been made during the immediate preceding 3
certificate years.
A405 i-Provider Plus Rider (i-PP)
· i-Provider Plus Rider is a unit deduction rider in which future contribution will be paid from the Tabarru' Fund in the event of TPD
or critical illness on the Person Covered , whichever occurs first.
A402 i-Contributor Benefit Plus Rider (i-CBP)
· i-Contributor Benefit Plus Rider is a unit deduction rider in which future contribution will be paid from the Tabarru' Fund in the
event of death, TPD or critical illness on the Participant , whichever occurs first.
A409 i-Hospitalisation Benefits Rider (i-HB)
· i-Hospitalization Benefit Rider is a unit deduction rider that provides a daily cash benefit ("hospitalization benefit") in the event of
hospitalization due to illness or accidental injury.
J1 i-Medik Plus Rider (i-MP200)
· i-Medik Plus Rider is a unit deduction rider that enhances i-Medik Rider attaching to the same certificate, which provides
coverage for hospitalisation and surgical expenses incurred due to illness or accidental injury.

· It comes with a unique product feature where the Hospital Room and Board limit of i-Medik Rider will be increased by 10% of the
corresponding i-Medik Rider's initial Hospital Room and Board limit at the end of every third (3rd) certificate year starting from
the rider effective date of i-MP, up to a cumulative total of 100% of the i-Medik Rider's initial Hospital Room and Board limit.
Prepared by : Great Eastern Takaful Berhad Date : 27/11/2014

SITI NUR FAQIHAH Product Disclosure Sheet
Note: Please read this Product Disclosure Sheet before you decide to take up i-Great Damai. Be sure to also read the general terms
and conditions.
Name of Financial Service Provider : Great Eastern Takaful Berhad (formerly known as Great Eastern Takaful
Sdn. Bhd.) ("the Takaful Operator")
Name of Product : i-Great Damai
Date : 27/11/2014
__________________________________________________________________________________________________________
1. What is this product about?
i-Great Damai is a Shariah approved investment-linked Family Takaful (ILT) that offers a combination of Takaful protection and
investment.
It also comes with an additional Bereavement Benefit of RM2,000 upon death of the Person Covered.
2. What are the Shariah concepts applicable?
· Tabarru’: The amount of donation that the Participants willingly relinquish in order to help each other in the event of
misfortunes.
· Wakalah bi al-Ujrah: The contract of agency where:
(i) Participants authorised the Takaful Operator to manage the Tabarru’ Fund.
(ii) Takaful Operator will invest the monies in accordance to “Wakalah bi al-lstithmar” principle.
The Takaful Operator is entitled to receive the fees as pre-agreed in the beginning of the contract upon the services
rendered.
· Ju’alah: Literally, it means compensation for a given service. Legally, it is a contract for performing a given task against a
prescribed fee in a given period. Ju’alah concept is used in a situation where Underwriting Surplus is shared among
Participants and Takaful Operator. Entitlement to Underwriting Surplus depends on completion of work and delivery of
result.
· Any deficit in the Tabarru’ Fund will be first funded by the unallocated surplus for contingency purposes. If the Tabarru’
Fund is still in deficit, Takaful Operator will arrange for Qard Hasan(Benevolent Loan). The loan is repayable from the
future Underwriting Surplus of Tabarru’ Fund.
3. What are the covers / benefits provided?
The basic sum covered for this plan is RM50,000. The Basic Sum Covered plus value of the units in the Participant’s Unit
Account (if any) will be payable upon:
· death (payable in one lump sum); or
· Total and Permanent Disability (“TPD”) before age 70 years next birthday,
whichever occurs first, subject to the terms and conditions.
However, the TPD cover for child below age 5 years next birthday is subject to lien as per death benefit and maximum amount of
RM500,000 under this and all certificates and riders on the same Person Covered. Full TPD cover will be given from age 5 years
next birthday onwards.
The value of the ILT depends on the price of underlying assets, which in turn depends on the performance of your chosen Unit
Fund(s). The Unit Fund(s) that you have chosen are stated below:
Unit Fund (s) Selected Unit Fund(s) Apportionment(%)
F1 Dana i-Makmur 50.00
F2 Dana i-Mekar 50.00
F3 Dana i-Majmuk -
Reminder: Please read the Benefit Illustration which includes product benefits and objectives of the Unit Fund(s). It is important to
select a plan or a combination of Unit Fund(s) that suit your financial goals and risk profile.
4. How much contribution do I have to pay?
· The estimated contribution for this plan that you have to pay: RM2,400.00 Yearly .
Notes:
(a) The contribution that you have to pay and the certificate terms may vary depending on the underwriting requirements of
the Takaful Operator.
(b) The Takaful Operator allocates a portion of the contribution to purchase units in the Shariah approved Unit Fund(s) that
you have chosen. Any unallocated amount will be used to pay for the commission and other expenses. You are advised to
refer to the allocation rates and other details given in the Benefit Illustration.
5. What are the fees and charges that I have to pay?
· Upfront Charge (unallocated contributions) is deducted according to the percentage of contribution paid, to pay for the
commission and other expenses.
· Service Charge of RM6 will be deducted monthly for administration purpose.
· Fund Management Charge is deducted based on the Unit Fund(s) selected.
· The Tabarru’ is deducted monthly from the value of your units. The Tabarru’ will increase as you grow older. The Tabarru’
varies by age, gender and smoker status at each certificate anniversary. Details of Tabarru’ and other charges for the ILT
are given in the Benefit Illustration and certificate document.
· An additional 6% service tax will be added in the contribution quoted in question 4 above for contribution paid by business
organisation.
6. What are some of the key terms and conditions that I should be aware of?
GREAT EASTERN TAKAFUL BERHAD / 916257-H / A003 / V00 / 0112 Page 12 of 53

· Importance of disclosure - you must disclose all material facts such as medical condition, and state your age correctly.
· Free-look period - you may cancel your plan by returning your certificate document within 15 days after its delivery. The
Takaful Operator will refund to you the unallocated contributions, the value of the units that have been allocated (if any) at
unit price at the next valuation date and any Tabarru’ and certificate fee that have been deducted less any medical fee
incurred.
· Cash value – the cash value of the ILT depends on the performance of the Unit Fund(s) selected. The higher the level of
Takaful coverage selected, the more units will be absorbed to pay for the Tabarru’ and the fewer units will remain to
accumulate cash values under your plan.
· Grace period – A grace period of 30 days from each contribution due date is given for you to pay the subsequent
contributions.
· Certificate lapse – The ILT will lapse when the value of the units is insufficient to pay for the Tabarru’ and other charges.
Note: This list is non-exhaustive. Please refer to the certificate document for the terms and conditions under this plan.
7. What are the major exclusions under this plan?
· Pre-existing condition.
· Death during the first certificate year as a result of suicide, while sane or insane.
· Total and Permanent Disability resulting from self-inflicted injuries, while sane or insane.
Note: This list is non-exhaustive. Please refer to the certificate document for the full list of exclusions under this plan.
8. Can I cancel my plan?
Participating in a regular contribution ILT plan is a long-term financial commitment. It is not advisable to hold this plan for a short
period of time in view of the high initial costs. If you find the fund(s) that you have chosen is no longer appropriate, you have the
flexibility to switch fund(s) without any charge.
9. What do I need to do if there are changes to my/my nominee(s) contact details?
It is important that you inform us of any change in your/your nominee(s) contact details to ensure all correspondences reach
you/your nominee(s) in a timely manner.
10. Where can I get further information?
Should you require additional information about investment-linked Takaful plan, please refer to the insuranceinfo booklet on
‘Investment-Linked Takaful’, available at all our branches or you can obtain a copy from the agent or visit
www.insuranceinfo.com.my.
If you have any enquiries, please contact us at:
GREAT EASTERN TAKAFUL BERHAD (916257-H)
Head Office : Level 3, Menara Great Eastern,
303 Jalan Ampang,
50450 Kuala Lumpur
Tel : (603) 4259 8338
Fax : (603) 4259 8808
Careline : 1 300 13 8338
E-mail : i-greatcare@i-great.com.my
11. Other similar types of cover available
You may check with your agent or contact the Takaful Operator directly for other similar types of cover currently available.
IMPORTANT NOTICE:
YOU MUST EVALUATE YOUR OPTIONS CAREFULLY AND SATISFY YOURSELF THAT THE SHARIAH APPROVED
INVESTMENT-LINKED PLAN CHOSEN MEETS YOUR RISK APPETITE, AND THAT YOU CAN AFFORD THE CONTRIBUTION
THROUGHOUT THE CERTIFICATE DURATION. TO INCREASE INVESTMENT VALUE AT ANY TIME, IT IS ADVISABLE THAT
YOU PAY THE ADDITIONAL CONTRIBUTION AS “TOP UPS”. RETURN ON AN INVESTMENT-LINKED FUND(S) IS NOT
GUARANTEED. YOU ARE ENCOURAGED TO APPOINT NOMINEE(S) AND ENSURE THAT YOUR NOMINEE(S) IS(ARE) AWARE
OF THE PLAN THAT YOU HAVE PARTICIPATED. YOU SHOULD READ AND UNDERSTAND YOUR CERTIFICATE DOCUMENT
AND DISCUSS WITH YOUR AGENT OR CONTACT THE TAKAFUL OPERATOR DIRECTLY FOR MORE INFORMATION.
The information provided in this disclosure sheet is valid as at 27/11/2014.

Note: Please read this Product Disclosure Sheet before you decide to take up i-Critical Illness Benefit Rider. Be sure to also read the
general terms and conditions.
Name of Product : i-Critical Illness Benefit Rider
Date : 27/11/2014
__________________________________________________________________________________________________________
i-Critical Illness Benefit Rider is a Unit Deduction Rider that provides coverage in the event of critical illness. This rider will
accelerate the Sum Covered of the basic plan.
misfortunes.
(i) Participants authorised the Takaful Operator to manage the Tabarru’ Fund.
(ii) Takaful Operator will invest the monies in accordance to “Wakalah bi al-lstithmar” principle.
rendered.
result.
3. What are the covers/benefits provided?
· The Sum Covered for this rider is RM20,000. It will be payable upon occurrence of any one of the 36 critical illnesses.
Upon claim of this rider, the Sum Covered of the basic plan will be reduced accordingly.
· If a valid claim event occurs before age 5 years next birthday, a child lien shall apply.
· Duration of cover: 91 year(s) or upon termination, whichever occurs first.
Not applicable because this is a unit deduction rider. Please refer to question 5 below for the Tabarru’.
· The Tabarru’ are deducted monthly from the value of your units. The Tabarru’ varies by age, gender and smoker status at
each certificate anniversary. Details of Tabarru’ are given in the Benefit Illustration and certificate document.
· Importance of disclosure - you must disclose all material facts such as medical conditions, and state your age correctly.
· Free-look period - you may cancel your rider within 15 days after the delivery of your certificate document. The Tabarru’
that have been deducted will be credited back into the Participant’s Unit Account (“PUA”).
· Waiting period – the eligibility for critical illness coverage will start only 30 days or 60 days (depending on the type of
critical illness) after the effective date or reinstatement date of this rider, whichever is the later.
Note: This list is non-exhaustive. Please refer to the certificate document for the terms and conditions under this rider.
7. What are the major exclusions under this rider?
· Self-inflicted bodily injuries while sane or insane.
· Critical illness that has existed prior to or on the effective date of this rider or on the date of any reinstatement, whichever
is later.
Note: This list is non-exhaustive. Please refer to the certificate document for the full list of exclusions under this rider.
8. Can I cancel my rider?
You may cancel your rider by giving a written notice to the Takaful Operator. Upon cancellation, the future Tabarru' that was
previously allocated to the cancelled rider will be credited back into the PUA.
Should you require additional information about Medical and Health Takaful, please refer to the insuranceinfo booklet on ‘Medical
and Health Takaful”, available at all our branches or you can obtain a copy from the agent or visit www.insuranceinfo.com.my.
303 Jalan Ampang,
50450 Kuala Lumpur
Tel : (603) 4259 8338
Fax : (603) 4259 8808

Careline : 1 300 13 8338
IMPORTANT NOTICE:
YOU SHOULD SATISFY YOURSELF THAT THIS RIDER WILL BEST SERVE YOUR NEEDS. YOU SHOULD READ AND
UNDERSTAND YOUR CERTIFICATE DOCUMENT AND DISCUSS WITH YOUR AGENT OR CONTACT THE TAKAFUL
OPERATOR DIRECTLY FOR MORE INFORMATION.

Note: Please read this Product Disclosure Sheet before you decide to take up i-Medik Rider. Be sure to also read the general terms
and conditions.
Name of Product : i-Medik Rider
Date : 27/11/2014
__________________________________________________________________________________________________________
i-Medik Rider (i-M) is a Unit Deduction Rider that provides coverage for hospitalisation and surgical expenses incurred due to
illness or accidental injury.
It comes with a unique product feature where the Initial Overall Annual Limit will be increased at the end of every 3rd certificate
year provided that no claim has been made during the immediate preceding 3 certificate years. Each increase (if applicable) shall
be equal to 10% of the Initial Overall Annual Limit.
misfortunes.
· Wakalah bi al-Ujrah The contract of agency where:
(i) Participant authorised the Takaful Operator to manage the Tabarru’ Fund.
(ii) The Takaful Operator will invest the monies in accordance to “Wakalah bi al-lstithmar” principle.
rendered.
· Ju’alah: Literally, compensation for a given service. Legally, it is a contract for performing a given task against a
result.
· Qard Hasan (Benevolent Loan): A loan which is returned at the end of the agreed period without any interest or share in
the profit or loss of the business. For the purpose of takaful, in the event of deficit in the Tabarru' Fund, Takaful Operator
will arrange for Qard Hasan. The Qard Hasan is repayable from the future Underwriting Surplus of the Tabarru' Fund.
There are five plans available for selection with a daily Room and Board rate of RM100, RM150, RM200, RM300 and RM400
respectively.
The rider that you have chosen is: i-M200
Duration of the cover: 72 year(s) or upon termination, whichever occurs first.

Item Covered Benefits i-M100 (RM) i-M150 (RM) i-M200 (RM) i-M300 (RM) i-M400 (RM)
1 Hospital Room and Board 100 150 200 300 400
(Limit per day, subject to a maximum of 180 days per
certificate year for Items (1) and (2) in aggregate)
As charged, subject to the limit stated above.
2 Intensive Care Unit (ICU) As charged.
(Subject to a maximum of 180 days per certificate
year for Items (1) and (2) in aggregate)
3 Hospital Supplies and Services As charged.
4 Surgical Fees
5 Operating Theatre Reimbursement of Reasonable and Customary Charges which is
6 Anaesthetist Fees consistent with those usually charged to a ward or room and board
7 In Hospital Physician Visit accommodation which is approximate to and within the daily limit of
(2 visits per day) the amount stated in Hospital Room and Board benefit under
8 Pre-Hospitalisation Diagnostic Tests the plan covered.
(Within 60 days before hospitalisation)
9 Pre-Hospitalisation Specialist Consultation Subject to a 10% cotakaful, up to a maximum of RM500.
(Within 60 days before hospitalisation) If there is an upgrade of Hospital Room and Board,
10 Post-Hospitalisation Treatment the following shall apply:
(Within 90 days after hospital discharge) 1) 20% cotakaful with no maximum cap for i-M100 and
11 Organ Transplant i-M150 plans, or
12 Ambulance Fees 2) 20% cotakaful with a maximum cap of RM3,000* for
13 Day Surgery i-M200, i-M300 and i-M400 plans.
14 Outpatient Cancer Treatment As charged.
15 Outpatient Kidney Dialysis Treatment Subject to 10% cotakaful.
16 Emergency Accidental Outpatient Treatment 2,000 3,000 4,000 6,000 8,000
(Limit per certificate year, subject to a maximum of 30
days from the date of accident)
17
Daily-Cash Allowance at Malaysian Government
Hospital
50
(Per day, subject to a maximum of 120 days per
certificate year)
18 Initial Overall Annual Limit for Items (1) to (17) 60,000 90,000 120,000 160,000 200,000
(Based on paid amount)
19 Increase to the Initial Overall Annual Limit ** 6,000 9,000 12,000 16,000 20,000
20 Overall Annual Limit for Items (1) to (17)
Total of Initial Overall Annual Limit and any cumulative increase to
the Initial Overall Annual Limit.
21 Overall Lifetime Limit for Items (1) to (17) 600,000 900,000 1,200,000 1,600,000 2,000,000
22 Accidental Death Benefit 10,000 10,000 15,000 20,000 20,000
23 Supreme Assist In accordance with the benefit provisions in Supreme Assist contract
(Emergency Medical Assistance Services)
24 Car Assistance Programme
In accordance with the benefit provisions in Car Assistance
Programme contract.
* The Takaful Operator reserves the right to revise the maximum cap for cotakaful by giving at least 30 days prior written notice.

** Increase to the Initial Overall Annual Limit will be computed at the end of every 3rd certificate year starting from the rider
effective date of i-M provided that no claim has been made during the immediate preceding of 3 certificate years. If a claim is
made within any 3 certificate years, the Increase to the Initial Overall Annual Limit will not be computed at the end of that 3
certificate years. However, the computation of the Increase to the Initial Overall Annual Limit will apply again if no claim has been
made during the immediate preceding 3 certificate years.
Note: Please refer to the certificate for detailed benefit of this rider.
Not applicable because this is a unit deduction rider. Please refer to question 5 below for Tabarru’.
· The Tabarru’ is deducted monthly from the value of your units. The Tabarru’ varies by age, gender and occupation
classification at each certificate anniversary. Details of Tabarru’ are given in the Benefit Illustration and certificate.
· Importance of disclosure – you must disclose all material facts such as medical conditions, and state your age correctly.
· Free-look period - you may cancel your rider within 15 days after the delivery of your certificate. The Tabarru’ that have
been deducted will be credited back into the Participant’s Unit Account ("PUA").
· Waiting period – the eligibility for covered benefits due to illness will only start 30 days after the effective date or
reinstatement date of this rider, whichever is the later. For specified illness, 120 days waiting period applies.
· Cotakaful – 10% cotakaful, where applicable, up to a maximum of RM500.
– If there is an upgraded Hospital Room and Board, the following shall apply;
1) 20% cotakaful with no maximum cap for i-M100 and i-M150 plans, or
2) 20% cotakaful with a maximum cap of RM3,000 for i-M200, i-M300 an-d i-M400 plans.
The Takaful Operator reserves the right to revise the maximum cap for cotakaful by giving at least 30 days prior written
notice.
· Coordination of benefits – the Takaful Operator will provide compensation on a proportionate basis if you have any other
hospitalisation coverage on reimbursement basis with us or other provider, or if you are receiving compensation from
other sources for injury or illness or disease.
· Portfolio withdrawal condition - the Takaful Operator reserves the right to cancel the i-M portfolio as a whole if it decides to
discontinue underwriting this rider.
Note: This list is non-exhaustive. Please refer to the certificate for the terms and conditions under this rider.
· Pre-existing illness.
· Specified illness occurring within first 120 days from the effective date of this rider.
· Any medical treatment outside Malaysia, if you reside or travel outside Malaysia for more than 90 consecutive days.
Note: This list is non-exhaustive. Please refer to the certificate for the full list of exclusions under this rider.
303 Jalan Ampang,
50450 Kuala Lumpur
Tel : (603) 4259 8338
Fax : (603) 4259 8808
Careline : 1 300 13 8338
IMPORTANT NOTICE:
UNDERSTAND YOUR CERTIFICATE AND DISCUSS WITH YOUR AGENT OR CONTACT THE TAKAFUL OPERATOR DIRECTLY
FOR MORE INFORMATION.
The term "certificate year" wherever mentioned in this Product Disclosure Sheet shall refer to the certificate year of i-Medik.

Note: Please read this Product Disclosure Sheet before you decide to take up i-Medik Plus Rider. Be sure to also read the general
terms and conditions.
Name of Product : i-Medik Plus Rider
Date : 27/11/2014
__________________________________________________________________________________________________________
i-Medik Plus Rider ("i-MP") is a unit deduction rider that enhances i-Medik Rider attaching to the same certificate, which provides
coverage for hospitalisation and surgical expenses incurred due to illness or accidental injury. This rider is only attachable when i-
Medik Rider is attached to the same certificate.
It comes with a unique product feature where the Hospital Room and Board limit of i-Medik Rider will be increased by 10% of the
corresponding i-Medik Rider’s initial Hospital Room and Board limit at the end of every third (3rd) certificate year starting from the
rider effective date of i-MP, up to a cumulative total of 100% of the i-Medik Rider’s initial Hospital Room and Board limit.
· Tabarru’: The amount of donation that the participants willingly relinquish in order to help each other in the event of
misfortunes.
rendered.
prescribed fee in a given period. Ju’alah concept is used in a situation where Underwriting Surplus is shared among the
participants and the Takaful Operator. Entitlement to Underwriting Surplus depends on completion of work and delivery of
result.
· Qard Hasan (Benevolent Loan): A loan which is returned at the end of the agreed period without any interest or share in
the profit or loss of the business. For the purpose of takaful, in the event of deficit in the Tabarru’ Fund, Takaful Operator
will arrange for Qard Hasan. The Qard Hasan is repayable from the future Underwriting Surplus of the Tabarru’ Fund.
Each i-Medik Rider only allows one corresponding rider for optional attachment, i.e i-M200 allows inclusion of i-MP200, i-M300
allows inclusion of i-MP300 and i-M400 allows inclusion of i-MP400.
The rider that you choose is: i-MP200
Duration of the cover: 72 year(s) or upon termination, whichever occurs first.
Item Covered Benefits PlanType
i-MP200 (RM) i-MP300 (RM) i-MP400 (RM)
1 Increase to the Hospital Room and Board Limit1
10% of the corresponding i-Medik Rider’s initial
Hospital Room and Board limit every 3 certificate
years; up to a cumulative total of 100% of the i-
Medik Rider’s initial Hospital Room and Board
limit.
2 Post-Hospitalisation Treatment
As charged, from 91st day to the 180th day after
hospital discharge.
Subject to i-Medik Rider’s applicable cotakaful for
Post-Hospitalisation Treatment.
3 Daily Guardian Benefit 100 150 200
(Limit per day, subject to a maximum of 180 days per certificate
year)
4
Daily-Cash Allowance at Malaysian Government Hospital
(Per day, subject to a maximum of 120 days per certificate year)
150 250 350
5 Accidental Death Benefit 15,000 20,000 20,000
Notes:
Item (1) to (4) set out in the above table shall be subject to the Overall Annual Limit and Overall Lifetime Limit of the
corresponding i-Medik Rider.
1Increase to i-Medik Rider’s Hospital Room and Board limit will be computed at the end of every 3 certificate years starting from i-
Medik Plus Rider’s Rider Effective Date.
Please refer to the certificate for detailed benefit of this rider.
GREAT EASTERN TAKAFUL BERHAD / 916257-H / J1 / V01 / 0112 Page 19 of 53

Not applicable because this is a unit deduction rider. Please refer to question 5 below for Tabarru’.
The Tabarru’ is deducted monthly from the value of your units. The Tabarru’ varies by age, gender and occupational classification
at each certificate anniversary. Details of Tabarru’ are given in the Benefit Illustration and certificate.
· Importance of disclosure – you must disclose all material facts such as medical conditions, and state your age correctly.
· Free-look period - you may cancel your rider within 15 days after the delivery of your certificate. The Tabarru’ that have
been deducted will be credited back into the Participant’s Unit Account (“PUA”).
· Waiting period – the eligibility for covered benefits of i-MP due to illnesses will only start 30 days after the Rider Effective
Date of i-Medik Rider or reinstatement date of your certificate, whichever is later. For specified illnesses, 120 days after
the Rider Effective Date of i-Medik Rider or reinstatement date of your certificate, whichever is later
· Cotakaful – Post Hospitalisation Treatment is subject to i-Medik Rider’s applicable cotakaful for the benefit. The Takaful
Operator reserves the right to revise the maximum cap for cotakaful by giving at least 30 days’ prior written notice.
· Coordination of benefits – the Takaful Operator will provide compensation on a proportionate basis if you have any other
hospitalisation coverage on reimbursement basis with us or other provider, or if you are receiving compensation from
either source for injury or illness or disease.
· Portfolio withdrawal condition - the Takaful Operator reserves the right to cancel i-MP portfolio as a whole if it decides to
discontinue underwriting this rider.
Note: This list is non-exhaustive. Please refer to the certificate for the terms and conditions under this rider.
· Specified illness occurring within first 120 days from the Rider Effective Date of i-Medik Rider.
· Any medical treatment outside Malaysia, if you reside or travel outside Malaysia for more than 90 consecutive days.
Note: This list is non-exhaustive. Please refer to the certificate for the full list of exclusions under this rider.
It is important that you inform us of any change in your / your nominee(s) contact details to ensure all correspondences reach you
/ your nominee(s) in a timely manner.
and Health Takaful’, available at all our branches or you can obtain a copy from the agent or visit www.insuranceinfo.com.my.
303 Jalan Ampang,
50450 Kuala Lumpur
Careline : 1 300 13 8338
Tel : (603) 4259 8338
Fax : (603) 4259 8808
IMPORTANT NOTICE:
UNDERSTAND YOUR CERTIFICATE AND DISCUSS WITH YOUR AGENT OR CONTACT THE TAKAFUL OPERATOR DIRECTLY
FOR MORE INFORMATION.
The term “certificate year” wherever mentioned in this Product Disclosure Sheet shall refer to the certificate year of i-Medik Plus Rider.
GREAT EASTERN TAKAFUL BERHAD / 916257-H / J1 / V01 / 0112 Page 20 of 53

Note: Please read this Product Disclosure Sheet before you decide to take up i-Hospitalisation Benefits Rider. Be sure to also read
the general terms and conditions.
Name of Product : i-Hospitalisation Benefits Rider
Date : 27/11/2014
__________________________________________________________________________________________________________
i-Hospitalisation Benefits Rider (i-HB) is a Unit Deduction Rider that provides daily cash benefit (“hospitalisation benefit”) in the
event of hospitalisation due to illness or accidental injury.
misfortunes.
rendered.
Participant and Takaful Operator. Entitlement to Underwriting Surplus is depends on completion of work and delivery of
result.
The hospitalisation benefit for this rider is RM400 per day. It will be payable in the event of hospitalisation due to illness or
accidental injury, subject to the terms and conditions.
Upon occurrence of a valid claim event, the following will be payable:
· hospitalisation benefit for each day of admission in a hospital room and board;
· an additional 1 time of hospitalisation benefit will be payable for each day of admission in Intensive Care Unit (“ICU”),
subject to a maximum of 150 days in a certificate year and an overall lifetime limit of 500 days.
If a valid claim event (except for accidental injury) occurs before age 3 years next birthday, a child lien shall apply as follows.
Age Next Birthday on
Certificate Anniversary
preceding occurrence of
a valid claim event
Hospital Room and Board ICU
1 50% of the hospitalisation benefit 100% of the hospitalisation benefit
2 75% of the hospitalisation benefit 150% of the hospitalisation benefit
3 - 80 100% of the hospitalisation benefit 200% of the hospitalisation benefit
Duration of cover: 72 year(s) or upon termination, whichever occurs first.
Not applicable because this is a unit deduction rider. Please refer to question 5 for details of the Tabarru’.
· The Tabarru’ is deducted monthly from the value of your units. The Tabarru' varies by age, gender and occupation
classification at certificate anniversary. Details of Tabarru’ are given in the Benefit Illustration and certificate document.
· Waiting period - the eligibility for hospitalisation benefit due to illness will only start 30 days after the effective date or
reinstatement date of this rider, whichever is the later.
· Portfolio withdrawal condition - the Takaful Operator reserves the right to cancel the i-HB portfolio as a whole if it decides
to discontinue underwriting this rider.
· Suicide, attempted suicide or self-inflicted injuries, while sane or insane.

303 Jalan Ampang,
50450 Kuala Lumpur
Tel : (603) 4259 8338
Fax : (603) 4259 8808
Careline : 1 300 13 8338
IMPORTANT NOTICE:

Note: Please read this Product Disclosure Sheet before you decide to take up i-Provider Plus Rider. Be sure to also read the general
terms and conditions.
Name of Product : i-Provider Plus Rider
Date : 27/11/2014
__________________________________________________________________________________________________________
i-Provider Plus Rider is a Unit Deduction Rider in which future contributions will be paid from the Tabarru’ Fund in the event of
Total and Permanent Disability (“TPD”) or critical illness of the Person Covered.
misfortunes.
rendered.
result.
Future designated contributions will be payable from Tabarru’ Fund in the event of TPD on the Person Covered before age 70
years next birthday or upon occurrence of any one of the 35 critical illnesses (Angioplasty And Other Invasive Treatments for
Major Coronary Artery Disease is excluded) on the Person Covered before age 99 years next birthday, subject to the duration of
cover and other terms and conditions.
· The Tabarru’ is deducted monthly from the value of your units. The Tabarru’ varies by age, gender and smoker status at
each certificate anniversary. Details of Tabarru’ are given in the Benefit Illustration and certificate document.
Note: This list is non-exhaustive. Please refer to the Certificate Document for the terms and conditions under this rider.
· TPD that has existed prior to or the effective date of this rider or on the date of any reinstatement, whichever is later.
is later.
and Health Takaful', available at all our branches or you can obtain a copy from the agent or visit www.insuranceinfo.com.my.

303 Jalan Ampang,
50450 Kuala Lumpur
Tel : (603) 4259 8338
Fax : (603) 4259 8808
Careline : 1 300 13 8338
IMPORTANT NOTICE:

Note: Please read this Product Disclosure Sheet before you decide to take up i-Contributor Benefit Plus Rider. Be sure to also read
the general terms and conditions.
Name of Product : i-Contributor Benefit Plus Rider
Date : 27/11/2014
__________________________________________________________________________________________________________
i-Contributor Benefit Plus Rider is a Unit Deduction Rider in which future contributions will be paid from Tabarru’ Fund in the event
of death or Total and Permanent Disability (“TPD”) or critical illness of the contributor.
misfortunes.
rendered.
result.
Future designated contributions will be payable from Tabarru’ Fund upon:
· death; or
· TPD before age 70 years next birthday; or
· occurrence of any one of the 35 critical illnesses (Angioplasty And Other Invasive Treatments for Major Coronary Artery
Disease is excluded),
whichever occurs first, subject to the duration of cover and other terms and conditions.
· The Tabarru’ are deducted monthly from the value of your units. The Tabarru’ varies by age, gender and occupation
classification at each certificate anniversary. Details of Tabarru’ are given in the Benefit Illustration and certificate
document.
· TPD that has existed prior to or on the effective date of this rider or on the date of any reinstatement, whichever is later.
is later.
It is important that you inform us of any change in your/your nominee(s) contact details to ensure all correspondences reach you
in a timely manner.
and Health Takaful', available at all our branches or you can obtain a copy from the agent or visit www.insuranceinfo.com.my.

303 Jalan Ampang,
50450 Kuala Lumpur
Tel : (603) 4259 8338
Fax : (603) 4259 8808
Careline : 1 300 13 8338
IMPORTANT NOTICE:

Great Eastern Takaful Berhad
(dahulu dikenali sebagai Great Eastern Takaful Sdn. Bhd.)
(916257-H)
Ilustrasi Manfaat Takaful Keluarga Bagi
MISS SITI NUR FAQIHAH
Nama Pelan
i-Great Damai
DISEDIAKAN OLEH : GREAT EASTERN TAKAFUL BERHAD (916257-H)
TARIKH DISEDIAKAN : 27/11/2014
Nota Penting:
1. Unjuran perlindungan Takaful Keluarga ini hanyalah untuk tujuan ilustrasi sahaja, tidak dianggap sebagai dokumen sah yang
mengikatkan peserta-peserta kepada Pengendali Takaful, dan tidak bermaksud untuk mengesahkan perlindungan Takaful Keluarga
yang sebenar. Perlindungan Takaful Keluarga yang sebenar adalah tertakluk kepada pengesahan Pengendali Takaful, dokumen sijil,
terma-terma dan syarat-syarat.
2. Setiap muka surat daripada ilustrasi manfaat ini membentuk sebahagian daripada ilustrasi manfaat. Bakal pemilik sijil dinasihatkan
untuk membaca dan memahami maklumat yang disediakan pada setiap muka surat.

Great Eastern Takaful Berhad (dahulu dikenali sebagai Great Eastern Takaful Sdn. Bhd.) (916257-H)
Tingkat 3, Menara Great Eastern,303 Jalan Ampang,50450 Kuala Lumpur Tel : (603) 4259 8338 Faks : (603) 4259 8808
Tarikh: 27/11/2014 (GETBIS-1.16) Disediakan oleh : GREAT EASTERN TAKAFUL BERHAD
Sebut Harga untuk : A003 i-Great Damai Jantina : Perempuan
Jenis Pelan : Pelan Takaful Keluarga Berkaitan Pelaburan dengan Caruman
Berkala
Merokok : Tidak
Nama Peserta : MISS SITI NUR FAQIHAH Umur Hari Lahir
Berikut
: 8
Jenis Caruman : Tahunan
Umur Penyumbang : 32 Kelas Perkerjaan : 2
Jantina Penyumbang : Perempuan
Penyumbang
: Tidak
Merokok
JADUAL MANFAAT:
Pelan Asas dan Rider,
jika ada
Tempoh
(Tahun)
Jumlah
Manfaat (RM)
Caruman
Tahunan ^
(RM)
Mortaliti
Tambahan (%)
Beban (RM Per
1,000)
Caruman
Tambahan
(RM)
Caruman
Tahunan ^
(RM)
A003 - Pelan Asas#
Kematian/HUPK
(Jumlah Perlindungan
Asas)
91 50,000 2,400.00 0% 0.00 0.00 2,400.00
Rider dengan penolakan
unit*
A416 i-CIBR 91 20,000 0.00 0% 0.00 0.00 0.00
A412 i-M200 72 200 0.00 0% 0.00 0.00 0.00
J1 i-MP200 72 200 0.00 0% 0.00 0.00 0.00
A409 i-HB 72 400 0.00 0% 0.00 0.00 0.00
A405 i-PP 91 2,400 0.00 0% 0.00 0.00 0.00
A402 i-CBP 17 2,400 0.00 0% 0.00 0.00 0.00
Jumlah (RM) 2,400.00 0.00 2,400.00
^ Sila tambah 6% cukai perkhidmatan untuk caruman yang dibayar oleh Organisasi Perniagaan.
# Caruman Tahunan bagi Pelan Asas (Caruman Tahunan Asas) termasuk Caruman Takaful dan Imbangan (jika ada). Imbangan
diperuntukkan kepada Dana Unit terutamanya bagi tujuan simpanan.
*Bagi rider dengan penolakan unit, perlindungan bagi rider-rider ini dibayar daripada Caruman Asas Tahunan.
PENERANGAN PELAN:
· i-Great Damai merupakan pelan Takaful Keluarga berkaitan pelaburan dengan caruman berkala yang matang pada umur 99
dan dilaburkan dalam Dana Unit yang diuruskan secara profesional berserta manfaat perlindungan Takaful Keluarga.
· Caruman yang dibayar akan digunakan untuk membeli unit di dalam Dana Unit mengikut kadar peruntukan yang telah
ditentukan dan diletakkan ke dalam Akaun Unit Peserta (PUA)1. Tabarru' akan ditolak secara bulanan daripada PUA ke
dalam Dana Tabarru'2.
· Pelan ini menyediakan manfaat yang akan dibayar apabila anda meninggal dunia atau Hilang Upaya Penuh dan Kekal
(HUPK). Ia juga menyediakan jumlah nilai Dana Unit, jika ada, semasa sijil matang. Sebagai tambahan, Manfaat
Pengurusan Pengebumian sebanyak RM2,000 akan dibayar apabila berlaku kematian.
· Lebihan Pengunderitan, jika ada, akan dikira dan dibahagikan setiap tahun. Peserta-peserta berhak menerima Lebihan
Penguderitan (jika ada) yang terhasil daripada Dana Tabarru'. Lebihan Pengunderitan akan diperuntukkan dahulu untuk
tujuan kecemasan yang difikirkan wajar oleh Pengendali Takaful sebelum ia dikongsi di antara peserta-peserta dan
Pengendali Takaful dengan kadar 50% dan 50% masing-masing. Jumlah yang diperuntukkan kepada peserta-peserta akan
dikreditkan ke dalam PUA.
· 100% dari Keuntungan Pelaburan, jika ada, yang terhasil daripada Dana Tabarru' pada penghujung tiap-tiap tahun
kewangan akan diberikan kepada Peserta-peserta yang akan dikreditkan ke dalam PUA. Sekiranya berlaku kerugian, tiada
pembahagian keuntungan pada tahun tersebut. Kerugian akan dibawa ke hadapan dan akan diambilkira sebelum
dimasukkan dalam pengiraan Lebihan Pengunderitan atau defisit pada tahun seterusnya. 100% daripada Keuntungan
Pelaburan atau Kerugian Pelaburan, jika ada, yang datang daripada PUA akan dinyatakan dalam harga unit.
NOTA:-
· 1Akaun Unit Peserta (PUA) merupakan akaun yang mana unit akan diperuntukkan, bergantung kepada jumlah caruman
yang dibayar.
· 2Dana Tabarru' merujuk kepada kumpulan dana yang disediakan demi kesejahteraan dan menjalin kerjasama di antara
peserta-peserta. Ia digunakan untuk membantu peserta-peserta sekiranya berlaku perkara yang tidak diingini.
PENTING:
INI MERUPAKAN PRODUK TAKAFUL KELUARGA DENGAN BERLANDASKAN PRESTASI ASET DASAR DAN BUKAN
MERUPAKAN SUATU PRODUK PELABURAN SEMATA-MATA SEPERTI UNIT AMANAH.
· Anda hendaklah membaca ilustrasi ini bersama-sama dengan Risalah Pernyataan Dana bagi Dana Unit yang telah dipilih.
Risalah Pernyataan Dana mengandungi semua maklumat penting yang anda perlu ketahui berkenaan Dana Unit.
· Memandangkan hanya 43% daripada Caruman Takaful untuk dua tahun sijil pertama akan digunakan untuk membeli unit,
manakala 95% daripada Penambahan digunakan untuk membeli unit, anda boleh memaksimakan nilai pelaburan dengan
meminimakan Caruman Tahunan Asas dan memaksimakan Penambahan.
· Caruman Asas Tahunan Minima yang Diperlukan* : RM1,200.00
· Penambahan Caruman Tunggal Minima yang Dibenarkan* : RM1,000.00

* Ini adalah jumlah minima yang boleh dicarum. Sila ambil perhatian bahawa jumlah caruman tersebut tertakluk kepada
pelarasan lanjutan mengikut peraturan dalam garis panduan.
· Oleh itu, jika penyertaan anda melibatkan jumlah caruman yang besar, anda disarankan untuk mempertimbangkan bagi
menyertai sijil berkaitan pelaburan dengan caruman tunggal, jika ada, (berbanding sijil dengan caruman berkala) kerana pelan
dengan caruman tunggal menawarkan peruntukan yang lebih baik bagi pelaburan. Namun, sila ambil perhatian bahawa pelan
dengan caruman tunggal mungkin tidak menawarkan perlindungan Takaful Keluarga seperti pelan dengan caruman berkala
dan rider yang boleh dilampirkan juga terhad.
· Sijil berkaitan pelaburan anda akan luput/tamat jika unit di dalam PUA anda tidak mencukupi bagi membayar caj yang
dikenakan. Unit anda mungkin tidak mencukupi akibat:
· Tabarru' yang tinggi jika anda menyertai terlalu banyak perlindungan (contohnya Jumlah Perlindungan Asas yang tinggi atau
terlalu banyak rider) terutamanya jika caj adalah meningkat mengikut umur anda.
· Pulangan pelaburan yang kurang memuaskan.
· Tempoh apabila caruman tidak dibayar - iaitu anda berhenti membayar caruman bagi suatu tempoh yang panjang.
PERHATIAN
KADAR TABARRU' ANDA AKAN MENINGKAT MENGIKUT UMUR ANDA. PADA TAHUN-TAHUN AKHIR, TERDAPAT
KEMUNGKINAN BAHAWA NILAI DANA YANG TERKUMPUL TIDAK MENCUKUPI UNTUK MEMBAYAR TABARRU' AKIBAT
PULANGAN PELABURAN YANG KURANG MEMUASKAN, SETERUSNYA MENYEBABKAN SIJIL ANDA BOLEH DIBATALKAN.
ANDA MUNGKIN PERLU MENAMBAH CARUMAN ATAU MENGURANGKAN TAHAP PERLINDUNGAN TAKAFUL KELUARGA,
JIKA ANDA INGIN MENGEKALKAN SIJIL ANDA.*
*Sila dapatkan penerangan berkenaan Tabarru' serta kesannya terhadap perlindungan Takaful Keluarga anda daripada ejen.
RINGKASAN ILUSTRASI:
· Ringkasan ilustrasi ini bertujuan untuk menunjukkan kemungkinan perubahan aliran tunai bagi pelaburan dan kesan bayaran
serta caj yang dikenakan ke atas nilai tunai berdasarkan ilustrasi di bawah.
· Unjuran pulangan pelaburan yang digunakan di bawah adalah untuk tujuan ilustrasi sahaja dan tidak bermaksud untuk
menunjukkan kemungkinan pulangan Dana Unit pilihan anda. Nilai ini adalah tidak dijamin dan bukan berdasarkan prestasi
yang lepas.
· Pulangan sebenar bagi pelaburan mungkin naik turun (naik atau turun) pada setiap tahun berdasarkan prestasi aset dasar
bagi dana.
· Nilai pulangan sebenar mungkin kurang daripada kadar unjuran atau pun negatif.
UNJURAN KADAR PULANGAN PELABURAN
· Pulangan X% dan Y% telah digunakan untuk menunjukkan kemungkinan julat pulangan berdasarkan Dana Unit pilihan anda.
· Kadar pulangan ini digunakan untuk tujuan ilustrasi semata-mata dan tidak menggambarkan kadar sebenar bagi had atas dan
bawah yang mungkin berlaku.
· Prestasi Dana Unit adalah TIDAK DIJAMIN dan nilai Dana Unit mungkin kurang daripada jumlah caruman yang telah dibayar
serta ia bergantung kepada prestasi aset dasar bagi Dana Unit. Manfaat sebenar yang dibayar bergantung kepada prestasi
sebenar aset dasar bagi Dana Unit dan pulangan sebenar mungkin berkurangan atau melebihi nilai yang diilustrasikan.
· Risiko pelaburan di bawah sijil ini adalah di bawah tanggungan pemilik sijil semata-mata. Pemilik sijil mestilah sedia maklum
bahawa harga unit mungkin turun atau naik.
· Sila rujuk Risalah Pernyataan Dana yang boleh didapati di www.i-great.com bagi pulangan tahunan sebenar Dana Unit.
Namun, sila ambil perhatian bahawa prestasi sebenar yang lepas BUKAN panduan untuk prestasi pada masa depan kerana ia
mungkin berbeza.
· Indeks tanda aras yang dipilih dan Dana Unit dinyatakan seperti berikut:
Dana Unit Tanda Aras Pulangan Tanda Aras (%)
2009 2010 2011 2012 2013
F1 Dana i-Makmur Deposit Islam 12 Bulan 2.80 2.85 3.10 3.20 3.21
F2 Dana i-Mekar Indeks FBME Syariah 43.00 18.20 2.40 11.90 13.29
F3 Dana i-Majmuk 50% Indeks FBME Syariah + 50%
Deposit Islam 12 Bulan
22.92 10.52 2.75 7.53 8.25
iaitu
Deposit Islam 12 Bulan :Kadar Deposit Islam 12 Bulan
Indeks FBME Syariah :Indeks FTSE Bursa Malaysia Emas Syariah
· Tanda aras pulangan telah disesuaikan dengan turun naik mata wang bagi perbandingan yang lebih bermakna.
· Sila ambil perhatian bahawa kadar pulangan yang dirujuk di atas dikira berdasarkan pelaburan dalam Dana Unit tertentu dan
bukan berdasarkan caruman yang telah dibayar di bawah sijil ini.
Penerangan Objektif Dana
F1 Dana i-Makmur Dana yang dilaburkan dalam sekuriti pendapatan tetap Islam, contohnya sukuk kerajaan dan korporat
(kadar dari 40% hingga 95%) dengan baki dilaburkan dalam deposit Islam. Dana ini bertujuan untuk
memberi pulangan yang konsisten dengan tahap mudah ubah yang rendah. Dana i-Makmur hanya
dilaburkan dalam sekuriti yang berlandaskan Syariah.
F2 Dana i-Mekar Dana di mana 80% hingga 100% daripada pelaburan adalah dalam ekuiti yang berlandaskan Syariah,
yang mudah ubah dalam jangka pendek. Dana ini berupaya mencapai peningkatan modal jangka
pertengahan hingga jangka panjang. Walaupun dana dilaburkan terutamanya di Malaysia (80% -
100%), sebahagiannya boleh dilaburkan di Singapura (sehingga 25%) dan Hong Kong (sehingga
25%), sekiranya dan apabila diperlukan, untuk memperbaiki pulangan dana. Dana i-Mekar hanya
dilaburkan dalam sekuriti yang berlandaskan Syariah.
F3 Dana i-Majmuk Dana yang dilaburkan dalam campuran ekuiti yang berlandaskan Syariah, sekuriti pendapatan tetap
Islam dan deposit Islam. Terdapat fleksibiliti dalam peruntukan aset memandangkan dana ini boleh
dilaburkan hanya dalam sekuriti pendapatan tetap Islam atau ekuiti yang berlandaskan Syariah. Dana
ini bertujuan untuk menyediakan kenaikan nilai modal jangka pertengahan hingga jangka panjang,
dengan tahap mudah ubah sederhana. Dana i-Majmuk hanya dilaburkan dalam sekuriti yang
berlandaskan Syariah.
Sebagai contoh, pilihan Dana Unit haruslah berdasarkan toleransi anda terhadap risiko. Sila dapatkan nasihat daripada ejen anda
ataupun kami berkenaan dengan toleransi anda terhadap risiko.

PERUNTUKAN DANA UNIT
Unjuran Pulangan Pelaburan Kasar#
Dana Unit Y% X%
Tahun Sijil 1-20 Tahun Sijil 21-30 Tahun Sijil 1-30
F1 Dana i-Makmur 7.00 5.00 4.00
F2 Dana i-Mekar 9.00 6.00 2.00
F3 Dana i-Majmuk 8.00 5.50 3.00
PENGAGIHAN DANA UNIT
Tahun Sijil Dana Unit (%) Unjuran Pulangan Pelaburan Kasar Berwajaran#
Y% X%
Dari Hingga F1 F2 F3 Tahun Sijil 1-20 Tahun Sijil 21-30 Tahun Sijil 1-30
1 91 50.00 50.00 - 8.00 5.50 3.00
#Sebelum potongan untuk cukai dan Caj Pengurusan Dana.

Great Eastern Takaful Berhad (dahulu dikenali sebagai Great Eastern Takaful Sdn. Bhd.) (916257-H)
Tingkat 3, Menara Great Eastern,303 Jalan Ampang,50450 Kuala Lumpur Tel : (603) 4259 8338 Faks : (603) 4259 8808
Tarikh: 27/11/2014 (GETBIS-1.16) Disediakan oleh : GREAT EASTERN TAKAFUL BERHAD
Ilustrasi Anggaran Manfaat untuk Pelan Asas dan Rider, jika ada
TIDAK DIJAMIN DIJAMIN
Akhir Tahun
Sijil
Umur pada
Akhir Tahun
Sijil
Jumlah
Caruman
yang Dibayar
(RM)
Unjuran Pulangan Pelaburan Kasar: Y%#
(RM)
Unjuran Pulangan Pelaburan Kasar: X%#
(RM)
Rider
Nilai Tunai
Terkumpul
Manfaat Kematian /
HUPK
Nilai Tunai
Terkumpul
Manfaat Kematian /
HUPK
i-CIBR (RM) i-M200 (RM) i-MP200 (RM) i-HB (RM) i-PP (RM) i-CBP (RM)
1 9 2,400.00 272 50,272 245 50,245 20,000 200 200 400 2,400 2,400
2 10 4,800.00 565 50,565 496 50,496 20,000 200 200 400 2,400 2,400
3 11 7,200.00 1,721 51,721 1,560 51,560 20,000 200 200 400 2,400 2,400
4 12 9,600.00 2,968 52,968 2,661 52,661 20,000 200 200 400 2,400 2,400
5 13 12,000.00 4,526 54,526 4,002 54,002 20,000 200 200 400 2,400 2,400
6 14 14,400.00 6,185 56,185 5,369 55,369 20,000 200 200 400 2,400 2,400
7 15 16,800.00 8,336 58,336 7,129 57,129 20,000 200 200 400 2,400 2,400
8 16 19,200.00 10,626 60,626 8,922 58,922 20,000 200 200 400 2,400 2,400
9 17 21,600.00 12,909 62,909 10,598 60,598 20,000 200 200 400 2,400 2,400
10 18 24,000.00 15,338 65,338 12,305 62,305 20,000 200 200 400 2,400 2,400
11 19 26,400.00 17,924 67,924 14,044 64,044 20,000 200 200 400 2,400 2,400
12 20 28,800.00 20,677 70,677 15,814 65,814 20,000 200 200 400 2,400 2,400
13 21 31,200.00 23,607 73,607 17,618 67,618 20,000 200 200 400 2,400 2,400
14 22 33,600.00 26,656 76,656 19,389 69,389 20,000 200 200 400 2,400 2,400
15 23 36,000.00 29,908 79,908 21,197 71,197 20,000 200 200 400 2,400 2,400
16 24 38,400.00 33,375 83,375 23,047 73,047 20,000 200 200 400 2,400 2,400
17 25 40,800.00 37,075 87,075 24,941 74,941 20,000 200 200 400 2,400 2,400
18 26 43,200.00 41,011 91,011 26,867 76,867 20,000 200 200 400 2,400 N/A
19 27 45,600.00 45,205 95,205 28,835 78,835 20,000 200 200 400 2,400 N/A
20 28 48,000.00 49,665 99,665 30,837 80,837 20,000 200 200 400 2,400 N/A
21 29 50,400.00 53,222 103,222 32,872 82,872 20,000 200 200 400 2,400 N/A
22 30 52,800.00 56,920 106,920 34,939 84,939 20,000 200 200 400 2,400 N/A
23 31 55,200.00 60,765 110,765 37,038 87,038 20,000 200 200 400 2,400 N/A
24 32 57,600.00 64,732 114,732 39,142 89,142 20,000 200 200 400 2,400 N/A
25 33 60,000.00 68,857 118,857 41,278 91,278 20,000 200 200 400 2,400 N/A
26 34 62,400.00 73,145 123,145 43,447 93,447 20,000 200 200 400 2,400 N/A
27 35 64,800.00 77,602 127,602 45,649 95,649 20,000 200 200 400 2,400 N/A
28 36 67,200.00 82,236 132,236 47,885 97,885 20,000 200 200 400 2,400 N/A
29 37 69,600.00 86,954 136,954 50,057 100,057 20,000 200 200 400 2,400 N/A
30 38 72,000.00 91,856 141,856 52,259 102,259 20,000 200 200 400 2,400 N/A
# Menggunakan Unjuran Pulangan Pelaburan Kasar Berwajaran bagi X% dan Y% seperti yang dinyatakan dalam muka surat sebelumnya.
NOTA: -
1. i-CIBR : i-Critical Illness Benefit Rider
i-M200 : i-Medik 200 Rider
i-MP200 : i-Medik Plus 200 Rider
i-HB : i-Hospitalisation Benefits Rider
i-PP : i-Provider Plus Rider
i-CBP : i-Contributor Benefit Plus Rider

2.Manfaat di bawah rider hanya akan dibayar jika pelan asas dan rider berkuatkuasa.
3.Ilustrasi ini mesti dibaca mengikut nota penuh seperti yang tertera di bahagian Nota Penting.
4.Semua angka adalah dalam RM. (R&KT)

QUOTATION GREAT EASTERN TAKAFUL UNTUK ANAK, GIRL, 8 TAHUN

QUOTATION GREAT EASTERN TAKAFUL UNTUK ANAK, GIRL, 8 TAHUN

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