Watania Takaful Term Insurance
The Pure Protection (Term Insurance) Plan provides the benefit of protecting the dreams and well-being of the certificate holder’s (policyholder’s) family in case of the former’s unexpected death.
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This economical Watania Takaful (Previously Watania Takaful) term insurance plan offers coverage for a duration selected by the certificate holder him/herself, on the condition that he/she pays all the contributions.
This Takaful (insurance) plan is suitable for various short-term objectives such as providing financial coverage in the event of the certificate holder’s untimely death.
The table below shows the highlights of the Watania takaful term life insurance plan.
| Conditions | Limits |
|---|---|
| Plan Tenure | 5 to 40 years |
| Plan Currency | UAE dhirams |
| Minimum Sum Covered | AED 100,000 |
| Maximum Sum Covered | AED 750,000 |
Key Features and Benefits of Watania Takaful Pure Protection (Term Insurance) Plan
The Pure Protection (Term Insurance) Plan provided by Watania Takaful comes with a wide range of benefits and features that make it popular amongst applicants.
Portability
The certificate holder can enjoy mental peace as he/she is covered globally with the Watania takaful term insurance policy.
No Medicals
The certificate holder can enjoy the benefits of this term plan without undergoing a medical check-up.
Contribution Options
Watania Takaful Pure Protection (Term Insurance) Plan offers two options - Annual contribution and Single contribution.
Grace Period
The grace period on this Takaful certificate is 31 calendar days from the previous contribution due date.
Paid-up Plan
If the contribution is not paid within the determined grace period, the plan is converted to a paid-up plan without Takaful benefits payable. However, an early surrender amount will be paid, if eligible.
Maturity Benefits
The company offers a fixed amount of cashback at the time of maturity, based on the tenure of the Watania Takaful term life insurance plan.
Eligibility for Watania Pure Protection Plan
The table below shows eligibility requirements for the Pure Protection (Term Insurance) Plan.
| Eligibility | Details |
|---|---|
| Minimum Entry Age | 18 years |
| Maximum Entry Age | 60 years |
| Maturity Age | 75 years |
| Nationality | Residents with any nationality having a valid UAE residence visa |
Watania Takaful Pure Protection Plan Inclusions
The following table shows the inclusions of the Pure Protection (Term Insurance) Plan.
| Inclusions | Details |
|---|---|
| Death Benefit | Coverage for death due to any cause except suicide (suicide is excluded for the first 12 months) |
| Maturity | Fixed cashback based on the Takaful certificate tenure |
| Terminal Illness | 20% of the sum insured, up to AED 150,000 |
| Repatriation Benefit | AED 5,000 |
What are the Main Riders for the Watania Takaful Term Plan?
In addition to the plan, you can buy any one of the following riders to make your Watania Takaful term plan more comprehensive -
- Permanent total disability (in case of accident or sickness)
- Passive war risk
- Critical illness (upon diagnosis)*
*Note - Critical Illness is one of the most bought riders. The maximum age at entry is 60 years while the maximum age of maturity is 65 years. The sum assured for this rider is up to 50% of the death benefit and the maximum tenure of this rider is 15 years.
Why Choose Watania Takaful Pure Protection (Term Insurance) Plan?
As a Shari’ah-compliant full-service Takaful company, Watania Takaful is dedicated to offering responsible and ethical Takaful solutions to its customers. These services are tailor-made to suit their particular personal and business requirements.
With its Pure Protection (Term Insurance) Plan, it gives the certificate holder an opportunity to secure the dreams of his/her family and provide them with financial security for when the certificate holder is not around. This economical plan can be used to cover financial payments of various kinds.
Claim Process for the Watania Takaful Pure Protection (Term Insurance) Plan
The claim process for a Watania takaful term insurance plan is easy and convenient. It can be done in 3 simple steps.
- The first step includes contacting the company, which can be done using the contact details mentioned below. An executive from the company will assist the beneficiary of the Takaful certificate with the entire process.
- The next step is submitting the required documents and evidence along with a duly filled application form.
- The final step in the claim process involves reviewing and processing. The company will review the documents and the form. Upon successful verification, the claim will be processed.
Contact Details for Queries Related to Watania Takaful Pure Protection (Term Insurance) Plan
The policyholder or applicant can contact the company through its customer care number 600 50 50 57, through WhatsApp on +971 50 803 7147, or through e-mail on info@watania.ae.
Faq's On Watania Takaful Pure Protection Cashback Plan
What documents do I need to submit to apply for this term plan?
You will have to submit a duly filled application form, a copy of your passport along with the visa page, and your Emirates ID along with originally sighted initials.
What happens if I fail to pay the contribution in the grace period?
If you fail to pay the contribution amount in the grace period, the Watania takaful term insurance policy will be converted into a paid-up plan without any Takaful benefits payable. But, the early surrender value would be paid, if eligible.
Do I need to go through a medical check-up in order to obtain this policy?
No, you do not have to undergo any medical check-up to obtain a Watania Takaful Pure Protection (Term Insurance) Plan. However, a health declaration - contained in the proposal form - has to be signed.
What is the terminal illness benefit offered in this takaful certificate?
The terminal illness benefit pays 20% of the sum cover (up to AED 150,000) if the certificate holder is diagnosed with a terminal illness. Terminal illness is a disease that cannot be cured entirely and will most likely result in the demise of the certificate holder within 12 months from the date of diagnosis.
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