Fulnadi is an individual insurance program that aims to provide educational funding for the participant's sons and daughters up to graduate level education with the benefit of protection against the risk of dying.
Benefits of Takaful Dana Pendidikan
1. If the Participant is long to the end of the agreement, the Child as Grantee receives:
- Stages* upon admission (kindergarten, elementary, junior high, high school, PT) ** and 4 years of scholarship in university.
2. If the Participant resigns before the term of the agreement, the Participant obtains:
- Cash value
All funds in the Participant's Savings Account derived from the savings balance and the profit share of the investment proceeds (mudharabah).
3. If the Child as Grantee dies before all stages are received Participant / Heirs get:
- Cash value
- Benefit of 10% Early Takaful Benefit (Annual Premium X Period of Agreement)
4. If the Participant suffered an accident during the term of the agreement
Premium Policy, Heirs get:
- 50% Benefit Benefit Takaful (if died due to sickness or total permanent disability due to an accident) or 100% Early Takaful Benefit (if died by accident).
- Cash value
Child as Grantee receives:
- Stages at the time of admission (kindergarten, elementary, junior high, high school, PT) **
- Scholarships every year since Participants experienced the disaster up to 4 years of Higher Education
- Dying due to sickness or total permanent disability due to accident, the Beneficiary will receive the Cash Value
- Died by accident, his heirs will receive a Cash Value and compensation of 50% The benefits of Takaful Beginning
- Grant Recipients will continue to receive Scholarships up to four years in Higher Education
Note:
* If Stages due not taken will be invested and will add Scholarship at the time in Higher Education
** As per the terms of the agreement
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