Personal Banking

Financial Planning / Takaful Amani Plus
  • Introduced by Bank Rakyat exclusively for the bank’s customers to provide financial security in the event of death / disability (TPD) due to natural causes and accidental losses at anytime and anywhere in the world
  • Accidental losses refer to compensation in the event of injuries, disability or death caused solely by violent, accidental, external and visible events. The disaster must be solely caused by accident, subject to the exclusions
  • Death/TPD due to natural causes refer to the consequences of illness or are not caused by accidents subject to exclusions
  • Malaysian citizen
  • Bank Rakyat's customers between the age of 7 years old to 60 years old (Age next birthday)
  • Coverage includes uniformed personnel (police, military, fire-fighter, etc), but only effective outside of working hours
  • Underwriting by Takaful Ikhlas Family Berhad

Takaful Amani Plus provide the benefits as below:

TAKAFUL BENEFITS PLAN A (RM) PLAN B (RM) PLAN C (RM)
Accidental Death/Permanent Disablement 150,000 100,000 50,000
Death/Total and Permanent Disability (TPD) due to natural causes 30,000 20,000 10,000
Critical illness (Accelerated benefit) 15,000 10,000 5,000
Medical expenses due to accident (per year) 3,000 2,000 1,000
Funeral expenses due to accident/Natural causes 3,000 2,000 1,000
Badal Hajj (Death due to accident/natural causes) 1,500 1,500 1,500
Ambulance fee due to accident 600 400 200
Hospital allowance due to accident (per day for up to 30 days, subject to a minimum of 2 days) 150 100 50
Covid-19 – Additional death benefits 1,000 1,000 1,000
Covid-19 – Additional hospital allowance (Treatment) 1,000 1,000 1,000
Annual Contribution  260 175 90

  • Three comprehensive plans
  • As low as RM0.25 per day
  • 24-hour worldwide coverage
  • Easy subscription at all Bank Rakyat branches
  • Total coverage due to accident and natural causes
  • Automatic renewal (Bank Rakyat account holder)
  • Lump sum Takaful benefit pay-out of up to RM154,500
  • For Non-Muslim, the benefit of Badal Hajj will be paid as an extra benefit to Funeral Expenses/ Immediate Death Expenses
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.