Sun eSsential-i

Sun eSsential-i is a simple and affordable family takaful plan with surplus sharing. It provides lump sum death and total and permanent disability (TPD) benefit due to all causes.

This plan also provides additional coverage in the event of death / TPD due to specified infectious diseases. Specified infectious diseases refer to Dengue Fever, Chikungunya Fever, Malaria, Japanese Encephalitis, Avian Influenza or Zika Virus Infection.

This plan is managed by Sun Life Malaysia Takaful Berhad <Registration Number: 200501012215 (689263-M)>, a takaful operator registered with Bank Negara Malaysia under the Islamic Financial Services Act 2013.

Sun eSsential-i is a renewable family takaful plan that provides coverage up to age 80, except for TPD coverage which will cease when the person covered reaches 65 years old.

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

The amount of coverage you need depends on your budget, expenses, affordability, current and future financial obligations. You should choose the type of plan that best suit your personal circumstances and ensure that the contribution is an amount that you can afford throughout the coverage term.

You are eligible to participate in Sun eSsential-i as long as you are a Malaysian citizen or permanent resident residing in Malaysia, aged between 18 to 59 and is in good health.

Each individual is only allowed to participate in one Sun eSsential-i Plan.

The contribution that you need to pay depends on your age, gender and selected plan. Please note that the contribution rates are non-guaranteed and will increase according to your attained age. Kindly refer to the Product Disclosure Sheet for the amount that you need to pay.

The contribution can be paid via credit card or debit card. You also have the flexibility to select your preferred payment frequency to meet your financial needs.

No, you are not allowed to use third party’s credit card or debit card to pay your contribution. The credit or debit cardholder must be the named contract holder / person covered.
 

No. There are no additional fees and charges other than your contribution payment.

Exclusions on death benefit
No benefit shall be payable if death is due to:

• pre-existing condition within the first 12 months from the contract issue date or last reinstatement date, whichever is later; or
• suicide within the first 12 months from the contract issue date or last reinstatement date, whichever is later.

In this case, the contract will be terminated and the total contribution paid will be refunded without interest.

Exclusions on death/TPD due to specified infectious diseases benefit
No benefit shall be payable if death or disability due to specified infectious diseases is due to:

• covered event of Dengue Fever, Chikungunya Fever, Malaria, Japanese Encephalitis, Avian Influenza or Zika Virus Infection occurring within 30 days from the contract issue date or last reinstatement date, whichever is later; or
• any other causes other than Dengue Fever, Chikungunya Fever, Malaria, Japanese Encephalitis, Avian Influenza or Zika Virus Infection; or
• any pre-existing conditions.
  In this case, the contract will be terminated and the total contribution paid will be refunded without interest.

Exclusions on TPD benefit
No benefit shall be payable if the TPD is due to:

• pre-existing condition within the first 12 months from the contract issue date or last reinstatement date, whichever is later; or
• self-inflicted injuries or suicide.

Note: This list is non-exhaustive. Please refer to the contract documents for further information on exclusions.

There is no option for plan upgrade or downgrade. Please give due consideration to the protection amount you require before participating.
 

Yes, you can cancel the contract after participating in it. You are given a free look period of 15 days from the delivery date of the contract. During this period, you should review your contract to ensure it is suitable for you and it meets your needs. If you decide not to take up the contract for whatever reason after it has been issued, you may cancel the contract by giving written notice to us within the free look period. We will refund any contribution paid.

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

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

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

The claim form can be downloaded here or can be found in our website at sunlifemalaysia.com.

The completed claim form together with the necessary documents can be submitted manually at our head office or online via our website. For more information on how to make a claim and the additional documents required, go to https://www.sunlifemalaysia.com/customer-care/make-a-claim

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.

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 sunlifemalaysia.com.

Kindly complete and return the nomination form to us.

You may contact our Client Careline at 1300-88-5055 or email us at wecare@sunlifemalaysia.com.
 

You may click on below link to get more information related to this product:

1. Sample product disclosure sheet
2. Sample contract document