A plan that protects and saves for the future

Karisma offers a Takaful-compliant coverage and savings plan with the flexibility to cover either the Participant or Person Covered; giving you the assurance and faith that your family's future is secured no matter the outcome.

Key Benefits

Savings for the Future

Enjoy a fixed cash payout up to 10% of the basic sum covered at the end of every two (2) certificate years throughout the certificate duration.

Takaful Coverage

A lump sum of the basic sum covered plus accumulated value in the Participant Investment Fund (if any) will be paid in the event of death, or Total and Permanent Disability (TPD). Upon death of the person covered, RM1,000 shall be payable for funeral expenses.

Maturity Benefit

You will be paid a lump sum of the accumulated value in the Participant Investment Fund (if any) when your certificate matures.

Enhance Your Coverage

You have the flexibility to boost your cover from a wide range of riders that can be attached to your basic cover.

List of Rider

1) Accidental Death & Dismemberment Rider
2) Accidental Indemnity Rider
3) Critical Illness Rider
4) Waiver of Contribution for Critical Illness Rider
5) Hospital Cash Benefit Rider
6) Ultra Medic Rider 
7) Level Term Rider 
8) Regular Top-up Rider
1) Waiver of Contribution for Critical Illness Rider (Payor)
2) Waiver of Contribution for Death and TPD Rider
3) Level Term Rider (Payor)
4) Family Income Benefit


Person Covered

Aged 14 days to 55 years


Aged a minimum of 19 years, with no maximum age

Please contact me

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