i-DoubleSecure is a term takaful plan. This plan pays the amount of sum covered in the event of natural or accidental death or Total and Permanent Disability (TPD) of the person covered, where sum payable for accidental causes will be doubled. Please refer to the Product Disclosure Sheet or Marketing Illustration on detailed exclusions, terms and conditions of the death and TPD benefits

This product is suitable for adults who are looking for a basic and simple protection plan, for the purpose of maintaining the family life style upon death or TPD. Unlike those savings plans with cash payout or maturity benefit, i-DoubleSecure provides a higher cover with an affordable contribution rate.

There are 3 levels of sum covered to choose from: RM50,000, RM100,000, RM200,000, depending on the individual’s needs, with the options of 10, 15 or 20 years of cover.

Yes, you can sign up for more than one certificate. However, the total sum covered of all of your certificates for this product must not be more than the limit allowed by us.

Change of sum covered is not allowed after the certificate has commenced. However, you may apply for additional certificates to enjoy higher sum covered, subject to the limit of total sum covered allowed by us and other applicable terms and conditions.

No medical examination is required. Your application will either be accepted or rejected based on our pre-determined requirements.

You are charged a certain amount for every RM1,000 sum covered subject to your age and the term of cover chosen at the time of application. The contribution amount will remain the same throughout the certificate term.

There is a grace period of 31 days from the contribution due date given to you to pay the contribution. You are still covered within the grace period. If the contribution due is not paid within the grace period, your certificate will lapse and you will not be entitled for the benefits shall the covered event (death or TPD) occurs.

You may cancel the certificate with written instruction to us within 15 days after the certificatehas been received by you. We will then refund the contribution received to you. However, if you surrender (cancel the certificate after the 15 days) within 12 months from the certificate commencement date, you are not entitled for any refund. If you surrender the certificate after 12 months from the commencement date, you are entitled for the surrender value from the PRF and the accumulated surplus (if any).

We can be contacted via email at info@etiqa.com.my or call Etiqa Oneline at 1-300-13-8888.