This product cover Accidental Death and Permanent Disablement up to the limit of RM3,000.

Anyone who are:

• Malaysian or foreigner with a valid work permit, student permit, entry permit, permanent resident status, or Malaysia My Second Home (MM2H) visa status;
• Register with Moby Islamic BNPL program; and
• At least 18 years old and above (all ages refer to the age of Your next birthday).

The duration of cover is varies based on your selection of Moby Islamic Buy Now Pay Later (BNPL) Plan, which range from 2 months, 3 months and 6 months, from the date you have successfully take up the BNPL program.

No cancellation is allowed once your Certificate of Takaful has been issued.

Once your BNPL application had been approved by Moby Islamic, your takaful coverage will be effective immediately. You will be notified via email notification from Moby Islamic.

Yes, you will received an e-Takaful certificate via email from Moby Islamic, once your BNPL application had been approved by Moby Islamic.

Small Amount shall mean any amount below Ringgit Malaysia Ten (RM10) arises from contribution excess, cancellation, surplus distribution or claims that are to be made other than by way of electronic payment. The Small Amount shall be channeled to charity. However, if You decide otherwise, You are required to submit a formal request to Us. We may review the applicability of the above stated small amount and any change to the amount will be subjected to Our Shariah Committee approval.

If you have inquiries regarding to the Credit Shield Protection product, you may email to Moby Islamic at cs@mobyinsure.com

You can notify Moby Islamic at cs@mobyinsure.com

• Duly Completed Claim Form
• Certified True Copy of Death Certificate (for death claim)
• Certified True Copy of Post-Mortem Report (for death claim)
• Medical specialist report and assessment of the disability done within 12 months after the date of accident (for permanent disablement claim)
• Photos for total loss by physical severance / amputated (for permanent disablement claim)
• Medical report and any other documents to support the claim
• Copy of police report on the alleged accident (if any)

Zurich General Takaful Malaysia Berhad will revert within seven (7) working days from the last document received.