Sun Critical Elite

A critical illness takaful plan that provides financial protection with access to dedicated expert medical support and services, helping you focus on recovery when a serious illness strikes.

Benefits & Privileges

Financial Support Upon Critical Illness Diagnosis, Plus RM20,000* for Genomic Testing

Receive financial protection upon diagnosis of any of the 46 covered critical illnesses.

Should you be diagnosed with cancer, an additional RM20,000* will be payable for genomic testing upon approval of your cancer claim.

*Only applicable for sum covered RM1,000,000 and above.
Loyalty Benefits Throughout Your Protection Journey

Stay protected while enjoying periodic loyalty payouts throughout the contract term from Participant’s Account, provided the contract remains in force and contributions are paid up to date.

20-Year Plan: Receive 50% of the annualised takaful contribution paid every 2 contract years.

30-Year Plan: Receive 75% of the annualised takaful contribution paid every 3 contract years.
Compassionate Benefit with Added Accidental Death Protection
Provides financial support for your loved ones in the event of death.
- Death benefit payable based on the higher of 10% of sum covered or Participant's Account value.
- An additional 10% of sum covered in the event of accidental death.
Receive a Final Payout at the End of Your Contract

At the end of the contract term, the Participant’s Account value will be payable to the contract holder as the final benefit.
Expert Medical Opinion & Case Management Service
Dedicated support from your takaful operator to help you navigate your diagnosis, explore treatment options, and access specialist referrals through the following services:
- Independent Expert Medical Opinion from a global network of more than 53,000 medical experts to help validate your diagnosis and treatment options.
- Dedicated Physician Case Manager providing guidance and coordination throughout your healthcare journey.
- Patient Advocacy Support to help you navigate treatment decisions with greater confidence and clarity.
- Personalized Doctor Matching to connect you with suitable specialists for your medical condition.

Eligibility & Requirements

(This is a takaful product)

Entry age: Based on the age of your last birthday.

Plan Type	Person Covered's Entry Age
Plan Type	Min	Max
20 Year Plan	18 years old	65 years old
30 Year Plan	18 years old	55 years old

Key Downloads

E-Brochure

Important Notes

This product is managed by Sun Life Malaysia Takaful Berhad Registration No. 200501012215 (689263-M) (“Sun Life Malaysia”), a Takaful Operator regulated by Bank Negara Malaysia and registered under the Islamic Financial Services Act 2013.

Sun Life Malaysia Takaful Berhad is a member of Perbadanan Insurans Deposit Malaysia (PIDM). The benefit(s) payable under eligible certificate/policy/contract is(are) protected by PIDM up to limits. Please refer to PIDM’s Takaful and Insurance Benefits Protection System (TIPS) Brochure or contact Sun Life Malaysia Takaful Berhad or PIDM (visit www.pidm.gov.my).

Disclaimer:

The description of the features and benefits of the takaful product herein is not a contract/certificate of family takaful and is only a brief summary of the takaful product for quick and easy reference. The complete terms and conditions of the takaful product are contained in the Contract/Certificate Document of Sun Life Malaysia Takaful Berhad Registration No. 200501012215 (689263-M), the Takaful Operator.

CIMB Islamic Bank Berhad ("Bank") accepts no responsibility, obligation or liability for this takaful product and the services provided by the Takaful Operator. The Bank merely acts as a distributor for this takaful product.

This takaful product is the Sun Life Malaysia’s product and not a product of the Bank. Therefore this takaful product is not guaranteed by the Bank, its subsidiaries and/or its affiliates and the Takaful Operator shall undertake the full responsibilities, obligations and liabilities in respect of this takaful product.

Terms and Conditions apply.