Takaful Amani Plus

Wealth Management

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


Takaful Amani Plus provide the benefits as below:

Death/Total and Permanent Disability (TPD) due to Natural Causes30,00020,00010,000
Critical Illness (Accelerated Benefit)15,00010,0005,000
Immediate Death Expenses due to Natural Causes3,0002,0001,000
Badal Hajj (if death due to Natural Causes)1,5001,5001,500
Death/Permanent Disablement due to Accident150,000100,00050,000
Double Indemnity in the event of Death / Total Permanent Disablement While in Public Transport300,000200,000100,000
Double Indemnity in the event of Death / Total Permanent Disablement While Performing Hajj or Umrah300,000200,000100,000
Purchase of Orthopaedic Equipment due to Accident1,5001,000500
Funeral Expenses due to Accidental Death6,0004,0002,000
Badal Hajj/ Waqf due to Accidental Death1,5001,5001,500
Medical Expenses (Limit per year) due to Accident6,0004,0002,000
Snatch Theft400300200
Ambulance Fee (Limit per year) due to Accident600400200
Hospital Allowance (min 2 days, max 30 days) due to Accident150/day100/day50/day
Annual Contribution (incl. 8% SST)263.00177.0091.00


  • 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


  • 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 and Takaful Ikhlas General Berhad


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

*Terms and conditions apply.

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