Thursday, November 26, 2015

KELEBIHAN MAA TAKAFUL TAMBAHAN 10 LAGI PENYAKIT DILINDUNGI OLEH MAA TAKAFUL

PERKONGSIAN BIJAK DALAM MENGAMBIL TAKAFUL

46 Penyakit Kritikal yang dilindungi oleh MAA Takaful
(Tambahan 10 jenis Penyakit Kritikal dari MAA Takaful)

Tahukah anda TAKAFUL MAA adalah satu satunya company yang menawarkan 10 lagi penyakit yang akan dilindungi  berbanding dengan operator takaful lain.

Jadilah pengguna yang bijak dalam memilih takaful dan pilihlah saya sebagai penasihat takaful anda.. Saya amat berbesar hati dalam membantu anda membuat pilihan yang bijak dalam memilih perlindungan yang berkesan dan value for money dalam takaful kerana ini adalah kepakaran saya...

TAMBAHAN 10 LAGI PENYAKIT DILINDUNGI OLEH MAA TAKAFUL
 
1. Apallic Syndrome / Vegetative State
Universal necrosis of the brain cortex, with the brainstem remaining intact. Diagnosis must be confirmed by a neurologist and condition must be documented for at least one month.





2. Creutzfeldt-Jacob Disease (Mad Cow Disease)
A neurological disease, fatal spongioform encephalopathy accompanied by signs and symptoms of a) uncontrolled muscular spasm or tremor; b) severe progressive dementia; c) cerebellar dysfunction; and d) athetosis. The diagnosis must be made by a Specialist in neurology; and must be based on conclusive Electroencephalography (EEG) and Cerebrospinal Fluid (CSF) findings as well as Computed Tomography (CT) scan and Magnetic Resonance Imaging (MRI).




3. Myasthenia Gravis
An autoimmune disorder characterized by chronic weakness of voluntary muscles which is
confirmed by a Specialist in neurology and proven by Tensilon test and Electromyogram (EMG).

 
A certified Specialist must report that the disease is generalized and despite optimal therapy withsurgery or medications causing permanent functional impairment such that Life Insured is unableto perform (whether aided or unaided) at least 3 of the following Activities of Daily Living for a continuous period of at least 6 months:

 
The Activities of Daily Living are: -
(a) Transfer
Getting in & out of a chair without requiring physical assistance.
(b) Mobility
The ability to move from room to room without requiring any physical assistance.
(c) Continence
The ability to voluntarily control bowel and bladder functions such as to maintain personal hygiene.
(d) Dressing
Putting on and taking off all necessary items of clothing without requiring assistance of
another person.
(e) Bathing/Washing
The ability to wash in the bath or shower (including getting in or out of the bath or shower) or wash by any other means.

 
Myasthenia Gravis due to thyroid disease and Ocular Myasthenia Gravis are excluded.





 
 

4. Other Serious Coronary Artery Disease
 
The narrowing of the lumen of at least three major coronary arteries (not inclusive of their branches) by a minimum of 60 percent or more as proven by coronary arteriography (non-invasive diagnostic procedures are excluded). Coronary Arteries herein refer to the Circumflex Artery, Right Coronary Artery (RCA), Left Anterior Descending Artery(LAD) and Left Main Stem ( a narrowing of 60% or more of the Left Main Stem will be considered as a narrowing of two major arteries). This benefit is payable regardless of whether or not any form of coronary artery surgery has been performed.





5. Progressive Scleroderma
A systemic collagen-vascular disease causing progressive diffuse fibrosis in the skin, blood vessels and visceral organs.
 

This diagnosis must be unequivocally supported by biopsy and serological evidence and the disorder must have reached systemic proportions to involve the heart, lungs or kidneys.
 
The following are excluded:
• Localised scleroderma (linear scleroderma or morphea);
• Eosinophilic fascitis; and
• CREST syndrome.
Loss of Limbs – Recommend replace (covered under TPD)




 

6. Brachial Plexus Injury resulting in total paralysis one limb
Avulsion of all roots of the brachial plexus due to injury resulting in permanent total paralysis of the arm, absent reflexes and complete sensory loss. Diagnosis must be confirmed by a consultant neurologist and has to be evident by EMG / Nerve Conduction Studies performed by a qualified specialist 1 months after injury at the earliest.
Self inflicted / obstetric injuries are excluded.





7. Medullary Cystic Disease
A progressive hereditary disease of the kidneys characterized by the presence of cysts in the medulla, tubular atrophy and interstitial fibrosis with the clinical manifestations of anemia, polyuria and renal loss of sodium, progressing to chronic renal failure. Diagnosis should be supported by a renal biopsy.


 

8. Major Head Trauma
Physical head injury causing permanent functional impairment lasting for a minimum period of three (3) months from the date of the trauma or injury. The resultant permanent functional impairment is to be verified by a neurologist and must result in an inability to perform at least three (3) of the following Activities of Daily Living.

 
The Activities of Daily Living are: -
(a) Transfer
      Getting in & out of a chair without requiring physical assistance.
(b) Mobility
      The ability to move from room to room without requiring any physical assistance.
(c) Continence
      The ability to voluntarily control bowel and bladder functions such as to maintain    personal hygiene.
(d) Dressing
       Putting on and taking off all necessary items of clothing without requiring assistance of
another person.
(e) Bathing/Washing
      The ability to wash in the bath or shower (including getting in or out of the bath or shower) or wash by any other means.



 

9. Loss of Independent Existence
Confirmation by an appropriate specialist of the loss of independent existence lasting for a minimum consecutive period of 6 months and resulting in a permanent inability to perform at least three (3) of the following Activities of Daily Living:


The Activities of Daily Living are: -
(a) Transfer
Getting in & out of a chair without requiring physical assistance.
(b) Mobility
The ability to move from room to room without requiring any physical assistance.
(c) Continence
The ability to voluntarily control bowel and bladder functions such as to maintain personal hygiene.
(d) Dressing
Putting on and taking off all necessary items of clothing without requiring assistance of
another person.
(e) Bathing/Washing
The ability to wash in the bath or shower (including getting in or out of the bath or shower) or wash by any other means.





10. Systemic Lupus Erythematosus with Lupus Nephritis
Refers to a multi-system, autoimmune disorder characterized by the development of auto-antibodies, directed against
various self-antigens.
Within the context of this policy, SLE is restricted to only those forms of systemic lupus Erythematosus, which involve
the kidneys (Type 111 to Type V Lupus Nephritis, established by renal biopsy). Other forms such as discoid lupus and
those forms with only hematological and joint involvement are specifically excluded.
WHO Lupus Classification:
Class 1 – Minimal change glomerulonephritis
Class 11- Mesangial glomerulonephritis
Class 111- Focal Segmental glomerulonephritis
Class 1V- Diffuse glomerulonephritis
Class V- Membranous glomerulonephritis




 Sekian, pengkongsian saya tentang penyakit kritikal yang dilindungi oleh MAA Takaful..





 Sila hubungi saya sekarang untuk melindungi
ANDA dan KELUARGA TERSAYANG dengan TAKAFUL.

MOHD KHAIRUDDIN BIN MUSTAFFA
FULL TIME & DEDICATED TAKAFUL AGENT

Hotline 24/7:
013.6000.101
013.6000.101
013.6000.101
(Sila Call/WhatsApp)

https://www.facebook.com/gotakaful
Website: www.gotakaful.com
Blogspot: http://0136000101.blogspot.my

MAA Takaful Berhad (731996-H)
7th Floor, No. 566 Jalan Ipoh,
51200 Kuala Lumpur.

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