Introducing Al Islami Takaful Riayati
Assured peace of mind
At Dubai Islamic Bank it is our constant endeavor to bring you a host of world-class products which are in compliance with our beliefs. Al Islami Takaful Riayati is yet another innovative jewel in our portfolio.
Takaful means united in solidarity with your brotherhood for a common cause. Takaful programmes are based on the core Islamic principles of co-operation and shared responsibility towards one another.
Al Islami Takaful Riayati offers you peace of mind, as it secures the future of your loved ones in the unfortunate event of an accidental death or disability. All benefits shall be paid from and out of the Tabarru’ fund. This transparent programme strictly adheres to Sharia and is one of the truly unique and innovative products giving you the best of financial protection while celebrating the joy of sharing.
Features and Benefits:
Family Takaful Benefit (Due to an Accident only)
The benefit covers death of the Plan Holder.
Permanent Total Disability Benefit (Due to an Accident only)
The benefit covers Permanent Loss of Sight, Physical Severance/Amputation of Two Limbs, Complete and Permanent Paralysis or a Disability rendering the insured unable to earn income in any occupation, trade or profession during his remaining lifetime.
Permanent Partial Disability Benefit (Due to an Accident only)
The benefit covers the consequences of Permanent Partial Disablement of a Plan Holder within six months from the date of Accident. The Plan Holder will be paid a percentage of the Permanent Total Disability amount as per the scale of disability.
Temporary Total Disability Benefit (Due to an Accident only)
The benefit covers the Plan Holder in the event of the Temporary Total Disablement due to an injury arising out of a cause not specifically excluded under this Plan. The benefit amount will be paid provided that the covered member is temporarily disabled and prevented from performing any and every duty pertaining to his occupation, on a weekly basis for the duration of the disablement for a maximum of 52 weeks.
Accidental Medical Reimbursement
The benefit reimburses the necessary Medical Expenses incurred towards the cost of treatment up to the maximum amount as
appearing in the Plan Schedule, subject to a deductible of AED 100/- which will apply for each and every claim under this benefit. This benefit is only applicable in the event of a Bodily Injury of a Plan Holder which results in Hospitalisation of the Plan Holder within 30 days of the date of the Accident.
In-Hospital Daily Allowance
This benefit covers the Plan Holder in the event of an In-patient Hospitalisation, exceeding two days consequent upon the Plan Holder falling ill or sustains injury arising out of a cause not excluded under this Plan. The Plan Holder will be paid a benefit amount as appearing in the Plan schedule for each complete 24-hours period that the Plan Holder spends as a hospital in-patient after his admission, for a maximum period of 90 days. This benefit will be limited to Hospitalisation in the United Arab Emirates only.
Repatriation Expenses
In case of Natural or Accidental Death of any of the Plan Holders, the necessary, reasonable and customary Repatriation Expenses of actual up to the maximum amount in respect of Transportation/Burial of the body, shall be paid.
How to Apply
Just walk into any Dubai Islamic Bank branch and meet one of our Customer Service Representatives. They will help you to choose the right plan for your family and assist you in completing the application form, which will be processed immediately. You can walk out with an instant cover through Al Islami Takaful Riayati, with your future and the future of your loved ones secured.
You are covered for the following Benefits:
| COVERAGE | BENEFIT AMOUNT (AED) |
|---|---|
| Death due to Accident | 100,000 |
| Permanent Total Disability | 100,000 Due to Accident |
| Permanent Partial | Up to 100,000 Disability due to Accident |
| Temporary Total Disability | 300 Due to Accident (weekly benefit) |
| Accidental Medical | Up to 5,000 Reimbursement (maximum cover) |
| In Hospital Daily Allowance | 100 per day (paid weekly) |
| Repatriation | 5,000(maximum) |
| PLAN HOLDER | PLAN HOLDER + SPOUSE |
|---|---|
| 250 | 400 |
For further details please call +971 4 609 2222 or visit www.alislami.ae
Contact details for claims: SALAMA-Islamic Arab Insurance Company Family Takaful, Claim Department, P.O. Box 10214, Dubai, United Arab Emirates Tel. No.: +971 4 335 5300, Fax No.: +971 4 335 3664 E-mail: customerservices.ft@salama.ae
Disclaimer:
Dubai Islamic Bank PJSC ("Bank"), being a distributor of SALAMA–Islamic Arab Insurance Company P.S.C. ("SALAMA") Products, makes no representations or warranties either expressed or implied and to the fullest extent permitted by law disclaims, at all times, all liability and responsibilities arising out of, relating to and/or in connection with (including but not limited to) the quality, delivery date, merchantability, prices of SALAMA Products, actions and/or decisions of SALAMA, Plan Terms and Conditions, Takaful Plans, payments payable thereunder and/or any services provided thereunder.
In the event of non-payment of premium, the policy stands cancelled.
Terms & Conditions apply.