Personal Banking

Financial Planning / Takaful Amani Didik
  • Takaful Amani Didik is a regular contribution takaful plan, which provides a means for parents to prepare educations funds for their children and at the same time designed to provide protection in the event of death or total permanent disability (TPD) of the person covered before the maturity of the takaful certificate
  • Participant funds will be invested based on Syariah principle
  • A lump sum payment will be paid in the event of death or total permanent disability (TPD) up to RM150,000
  • Contributor will enjoy tax relief subject to the sole decision of Lembaga Hasil Dalam Negeri (LHDN)
  • Malaysian citizen
  • Person covered from 30 days old to 12 years old, while participant age from 18 years old to 60 years old
  • Under this certificate, the child is the person Covered while the parent/legal guardian is the participant (certificate holder)
  • Underwriting by Takaful Ikhlas Family Berhad

Takaful Amani Didik provide the benefits as below:

  • Amount of coverage from RM10,000 to RM150,000
  • Exam Excellence Award of RM100 for UPSR, PT3, SPM, STAM or SPM (Certificate aged minimum of three years)
  • Coverage include parents and child
  • Contributions is subject to term of coverage, entry age and amount of coverage
  • 24 hours worldwide coverage
  • Hassle free and affordable monthly contributions via simple auto debit, credit card and internet banking
  • Only available at Bank Rakyat branches (Please refer to Service Guide)
  • Cash withdrawal is allowed subject to terms and conditions
  • Surrender Benefit, amount accumulated in the participant fund, inclusive of investment income and net distributable surplus from the Risk Fund, if any, is payable upon the surrender of the Takaful Certificate after deducting the administration fee up to RM 50
  • Underwritten by Takaful Ikhlas Family Berhad, a takaful company under Permodalan Nasional Berhad (PNB)
The published rates, fees and charges are effective from 1st April 2019 following the implementation of 6% SST from 1st September 2018. Terms & conditions apply.

For any enquiries, please visit the nearest branch or call our Contact Centre tele-Rakyat at 1-300-80-5454.
*Terms and conditions apply.