|The Future is Unpredictable!
They say one of the few constant factors is change. Having the wisdom and knowledge does not mean that we know what the future holds for us. Irrespective of the undulating nature of our path, what should not change is the ability to provide for ourselves and our family.
The joy of our lives and family can be overshadowed by the fear of early loss of life, the inability to work, or an unexpected illness or disability. The consequences could be that our families may not be able to cope financially.
Protecting ourselves against the unforeseen is something that none of us can afford to ignore. HEMAYA is the solution for the cost conscious.
SALAMA has designed HEMAYA with the aim of providing you and your family with financial security and peace of mind when you need it most
Family Takaful Cover: A built-in Benefit that provides a lump sum payment if the Covered Member passes away during the term of the Plan.
Terminal Illness: This optional Benefit pays a lump sum payment as an accelerated payment of Family Takaful benefit if the Covered Member is diagnosed as being terminally ill with a life expectancy of less than 6 months within the Plan Term. If a Terminal Illness claim is paid, the Family Takaful cover will be reduced by the amount paid.
Wavier of Contribution: This cover will pay the remaining Regular Contributions on behalf of the Plan Holder if, as a result of a sickness or an accident the Covered Member becomes permanently and totally disabled for a continuous period of at least 6 months and is unable to perform any occupation.