You are a step closer to your ideal protection plan!

In just a few short minutes, you'll have some peace of mind with Sun Cover-i*, it's a no-frills, pay-as-you-go family takaful term plan that comes at a super low contribution of just RM15**/month.

Hassle-free coverage

Sun Cover-i* is a simple and affordable plan, making it a perfect start to your future financial planning. With our simple 3-step registration process, you’ll be covered in no time.

It's easy on the wallet

For only 50 cents per day, you’ll be covered for a lump sum of RM60,000, less any indebtedness, for death and total and permanent disability*** (TPD).

No need for a medical check

Unlike many other plan, Sun Cover-i* doesn't require a medical check-up, giving you the convenience you need.

What are you waiting for?

Take the next step and get protected.

Terms and Conditions Apply.
* Sun Cover-i is strictly for CIMB account holders and Malaysian citizens between the ages of 18 to 49, who are not part of any uniform body i.e. police, army or military.
** The contribution rate is not guaranteed and may be revised from time to time by giving at least 14 days' written notice prior to the expiry of certificate/e-certificate. The revision shall take effect on the next certificate/e-certificate after the notice period.
*** The maximum aggregate amount of the TPD benefit payable with respect to the TPD of the person covered under this and all other individual and group contract or certificates issued by Sun Life Malaysia shall not exceed RM 2,000,000. 


What is Sun Cover-i? 

Sun Cover-i is a simple and affordable monthly renewable group family takaful term plan with surplus sharing. It provides lump sum death and total and permanent disability (TPD) benefit due to all causes. This plan is offered on a pay-as-you-go (PAYG) basis.

Sun Cover-i is managed by Sun Life Malaysia Takaful Berhad (SLMTB) Registration No. 200501012215 (689263-M), a takaful operator registered with Bank Negara Malaysia under the Islamic Financial Services Act 2013.

What is the coverage period? 

Sun Cover-i provides coverage up to age 50.

What is pay-as-you-go (PAYG)? 

With PAYG concept, you will enjoy the flexibility of contribution payment. Once you have enrolled in this plan, your monthly contribution will be auto-debited from your savings account, current account, or credit card account depending on your selected payment option. The monthly takaful coverage will be renewed upon successful deduction. However, if there is insufficient fund and deduction was unsuccessful, there will be no takaful coverage provided for that particular period until we are able to deduct again, only thereafter your coverage will resume.

As this is a PAYG plan, you are not required to pay for the previous months’ unpaid contribution. However, you are encouraged to ensure sufficient funds are in your account to enjoy continuous coverage without any interruption.

What will happen if I stop paying contribution? 

If you do not pay the contribution before the next coverage start date, no takaful coverage will be provided and no claims will be payable on the following month in the event if death/TPD occurs.
There will be a maximum of 6 months from the coverage end date, for reactivation of the takaful coverage as shown in the latest certificate/e-certificate (in the form of email). Immediately after 6 consecutive months of non-payment of contribution, the certificate/e-certificate will be lapsed and you will be required to submit a new application*
*Note: The new application with new health declaration will be processed as a new submission with new certificate number and new coverage period.

How do I know if this plan is suitable for me? 

If you are looking for a basic family takaful plan with affordable contribution, this plan is suitable for you.

What are the eligibility criteria to enrol for Sun Cover-i? 

You are eligible to participate in Sun Cover-i as long as you are a CIMB customer (i.e., Debit/Credit Card holder), Malaysian citizen, aged between 18 to 49, in good health, and you are not under uniform body i.e. police, army, or military.

Do I need to undergo any medical check-up before participating Sun Cover-i? 

No. You just need to answer a simple health declaration.

How many Sun Cover-i Plan(s) can I sign up for? 

Each eligible individual is only allowed to participate in one Sun Cover-i plan.

How much contribution do I need to pay? 

The monthly contribution that you have to pay is RM15.00. The contribution term of this plan will continue up to the expiry of certificate/e-certificate following your 50th birthday.

The contribution rate is not guaranteed and may be revised from time to time in written notice of no less than 14 days prior to the expiry of certificate/e-certificate. The revision shall take effect on the next certificate/e-certificate after the notice period.

Is the contribution amounts fixed? 

Yes, this is a level contribution plan, provided there are no changes/endorsements to the plan.

How can I pay for the contribution? 

You may pay your contribution via credit card or debit card.

How do I receive my certificate documents after participating in Sun Cover-i? 

Once you have successfully participated in Sun Cover-i, you will receive an email confirmation and certificate/e-certificate from SLMTB within 3 business days from the date of your application of Sun Cover-i.

You may also download the product disclosure sheet, certificate information statement, and master contract from SLMTB’s website at

Is there any interim coverage for this plan? 

Yes, there is an interim coverage for death due to accidental causes within 7 days of the receipt of the initial payment and up to a maximum of RM60,000. Once the certificate/e-certificate is issued, the coverage will be as per the certificate/e-certificate. If the application is declined, the interim coverage will also cease immediately.

Can I use someone else’s credit card or debit card to pay my contribution? 

No, you are not allowed to use a third party’s credit card or debit card to pay your contribution. The credit or debit cardholder must be the named certificate owner.

Is there any additional fees and charges for this plan? 

You are subject to the following fees and charges:

Type Amount
1) Wakalah fee (consists of commission and operator fee) 50% of contribution
2) Commission 10% of the contribution paid from Wakalah fee
3) SLMTB share of surplus in participant's tabarru' fund 50% of the declared surplus, determined each financial year
What are the exclusions under the plan? 

There are no exclusion for this plan.

Can I cancel the plan after participating in it? 

Yes, you may cancel the plan after participating in it. You are entitled to a free-look period of 15 days from the delivery date of the first certificate/e-certificate. During this period, you should review your certificate/e-certificate to ensure it is suitable for you and your needs. If you subsequently decide not to take up this plan after the certificate/e-certificate has been issued, you may cancel this plan through a written notice to Sun Life Malaysia within the free-look period. We will refund any contribution paid.

If you cancel after 15 days from the delivery date of the first certificate/e-certificate, you will be covered under this plan until the date when the next contribution becomes due. There will be no pro-rated contribution refund or cash value payable.

If I were to terminate my Sun Cover-i plan, will I be entitled to any cash surrender value? 

Sun Cover-i is a pure protection plan and does not provide any cash surrender value.

Will my Sun Cover-i plan continue if I terminate my CIMB Account? 

No. Immediately after 6 consecutive months of non-payment of contribution, the certificate/e-certificate will be lapsed and you will be required to resubmit a new application*. You may update your payment card with SLMTB to continue your Sun Cover-i plan.
*Note: The application with new health declaration will be processed as a new submission with new certificate number and new coverage period.

What do I need to do if there are changes to my contact details/personal details after I have participated in Sun Cover-i plan? 

Aside from the information you have provided, Sun Life Malaysia will obtain your required personal information from CIMB Bank Berhad and CIMB Islamic Bank Berhad. Kindly ensure that your personal details are accurate upon receiving your contract documents. You may update SLMTB if there are changes to your personal details via Sun Access client portal or Mobile Application after you participated in the plan.

Is the plan eligible for Income Tax Relief? 

Yes, the contribution paid for Sun Cover-i may qualify you for personal income tax relief subject to final decision by Inland Revenue Board of Malaysia.

Where can I obtain the claims form and make a claim? 

The claim form can be downloaded here or can be found on our website at

The completed claim form together with the necessary documents can be submitted manually to our head office or online via our website. For more information on how to make a claim and additional documents required, visit

Do I need to make a nomination? 

You are encouraged to make a nomination to speed up the claim payment to your nominee(s).
You have to ensure that your nominee(s) is aware of the takaful plan that you have participated in.

Where can I obtain the nomination form and make a nomination? 

The nomination form will be sent together with the contract documents. You may also download the nomination form here or obtain from our website at

Kindly complete and return the nomination form to us.

How can I contact Sun Life Malaysia if I have further enquiries? 

You may contact our Client Careline at 1300-88-5055 or email us at

Where can I get further information related to this product? 

You may click on the links below to get more information related to this product:
Sample Product Disclosure Sheet
Sample Certificate Information Statement