Protection & Saving for Individual

Plan your future with Sakhaa Retirement Program; as it is the perfect program for protecting the family in maintaining its income even after retirement, so that they can enjoy additional income spent on a fixed monthly payment or a single payment.

Main Benefits of the Sakhaa Retirement Program (Sakhaa)

• In the event of Subscriber’s death, God forbid, the beneficiaries will receive the fund’s net value, in addition to the coverage amount. (The coverage amount is declined by the amount of asset values throughout the Policy’s term)
• When the Policy is due at the end of its term, the benefit payable under the Policy is the fund’s net value.

Privileges of the Sakhaa Retirement Program

• A program that is compliant with the Islamic Shariah (for all slides).
• The ability to determine the amount of money you aspire to obtain when you retire.
• The ability to pay your premiums in a flexible and starting from SAR 300.
• The ability to withdraw from your savings account when needed.
• The ability to purchase many additional benefits such as the Family Income Benefit, the Incurable Diseases Coverage Benefit, and other benefits.
• The family's entitlement to the return-on-investment amount; in addition to the full protection amount, in the event of income loss due to death, God forbid, through the Sakhaa Plus Program.
• The ability to choose the appropriate subscription payment method (monthly/quarterly/semi-annual/annual).
• The ability to choose the appropriate investment fund as you desire

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The family’s future financial obligations represent a great burden on the head of the family; so the ideal and early planning of the future goals towards our children is the solution that achieves all these objectives. For your peace of mind, the Abnaa Program gives the family reassurance and a future sense that all the needs of our children can be met with the minimum resources in an easy and comfortable manner, without loans or debts.

Main Benefits of the “Abnaa” Programs

In the event of the Subscriber’s death (God forbid), Aljazira Takaful will regularly pay the remaining subscriptions amount to the beneficiaries until the end of the Program’s term.

• In the event of the Beneficiary’s death, God forbid, the benefit payable under the Policy is the investment funds assets value, and it will be paid to the Policy Holder. The cancellation fees will be applied, if any, or the name of another son will be added to the client.

Privileges of the Abnaa Program

• The Protection and Savings Program is complaint with the provisions of the Islamic Shariah.
• The ability to choose the appropriate subscription payment method (monthly/quarterly/semi-annual/annual).
• The ability to deposit additional funds to your investment fund through the additional payment option.
• The parent or the person responsible for paying the subscription amount is considered the holder of the insurance policy/covered.
• Ensuring that your Program’s future subscriptions are paid, in case of death or permanent total disability, God forbid, by Aljazira Takaful co. until the due date.
• The ability to choose the appropriate investment fund according to your needs 

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Working in the medical professions is considered one of the most difficult and precise work fields, which may expose the workers in this field to some medical mistakes that may later turn into lawsuits. Therefore, Medical Malpractice Insurance Policy provide peace of mind to the medical professionals in the event of being prosecuted; as Aljazira Takaful will protect the medical professionals from legal liability, in the event of any violation of their duties while performing their professional work.

What Is Covered?

Policy Protects medical professionals against legal liability for breach of professional duty in the conduct of their professional practice. Policy provides below coverages:

• Claims
• Compensatory damages awarded against the medical professionals.
• Legal costs and expenses associated with defending legal actions.

Major Categories of Medical Profession Covered (Surgical & Non-Surgical)

•  Nurses
•  Paramedics
•  Dieticians
•  Lab / Path Technicians
•  Physiotherapists
•  X-Ray Technicians
•  Scanning Technicians
•  Pathologists
•  General Practitioners
•  Paediatricians
•  Psychiatrists
•  Nephrologists
•  Radiologists
•  Ophthalmologists
•  Dentists
•  Pharmacists
•  Surgeons, including Vascular/ Cardio-Vascular, Maxillofacial, Pediatric, Thoracic, ENT, Neuro, Orthopedic
• Hematology
• Obstetricians
• Gynecologists
• Ophthalmologists
• Neurologists
• Cardiologists
• Anesthetists
• Urologists
• Plastic Surgeons

How to Obtain a Quotation

Interesting person should complete the Medical Malpractice proposal form in order to provide information relating to scope of services, claims history etc. for underwriting purposes.

Aljazira Takaful Co. will provide a quotation based on the proposal form or will advise if any other information is needed

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The Medical Insurance provides comprehensive medical care to the employees in the companies and institutions and their family members; thus ensuring that you receive the best medical care in a wide network of hospitals and medical centre’s throughout the Kingdom.

What Is Covered?

As per CCHI unified health policy, examples are as follows:

According to the Cooperative Health Insurance Policy:

• Pregnancy and childbirth coverage.
• Dental coverage.
• Medical eyeglasses coverage.
• Chronic and pre-existing diseases.
• Hearing aid coverage.
• Physical therapy.
• Vaccinations according to the Ministry of Health.

Treatment at the Appointed Providers Network

• Receiving medical services at appointed providers’ network:
• Pre-Authorization for certain treatments may be required by the healthcare provider

Overseas travel for business, studying or vacation is a great experience. But even the best planned trips can go haywire due to unforeseen glitches that can make your travel experience a nightmare.

Travel Insurance Policy is specially designed to give you a comprehensive travel insurance that covers you against unanticipated medical and non-medical expenses, so that you

can relax securely, doing your business or studying without any complications.

Coverage Categories

This Insurance offers coverage for a variety of travellers, like student travel, business travel, leisure travel, cruise travel and international travel.

Variety of plans ranging from:

• Standard.
• Silver.
• Gold.
• Platinum.
• Schengen Policy.

For any plan (Except Schengen Policy) you can chose between:

• Worldwide cover except the usual Country of Residence.
• Worldwide cover except the usual Country of Residence, United States of America, Canada, Japan and Australia.

The Vehicle Insurance Policy covers losses or damages to private or commercial vehicles, , Aljazira takaful provides several types of vehicle insurance, including the following:

What Is Covered?

Our motor insurance offers Comprehensive, Third-Party Liability, coverages at competitive premium rates to our customers.

1- Motor Comprehensive Insurance Policy:

This comprehensive insurance policy provides Indemnity for loss of and/or damage to the insured vehicle, its accessories and spare parts whilst thereof:

1. By accidental collision or overturning.
2. By burglary or theft.
3. By fire.
4. By natural perils.
5. By malicious act of any third party.
6. Comprehensive policy provides compensation towards insured and or driver’s Legal Liability to Third Parties arising from the use of the insured vehicles in respect of:
   1. Death of or bodily injury to any person including the passengers in the insured vehicle except the insured or the driver at the time of the accident.
   2. Damages for materials and property except those owned by the insured or the driver.

Additional Coverages (For Comprehensive Insurance):

Expansion of the geographical coverage to include the GCC States.

Vehicle repair at the agency (for vehicles less than five years old).

Expansion of coverage to include drivers that are less than 21 years old

Coverage for natural hazards (storms, floods, hurricanes, earthquakes, and volcanoes).

Coverage for personal accidents for the driver and passengers.

2- Third Party liability:

This policy provides compensation towards insured and/or driver’s Legal Liability to Third Parties arising from the use of the insured vehicles in respect of:

• Death of or bodily injury to any person including the passengers in the insured vehicle except the insured or the driver at the time of the accident.
• Damages for materials and property outside the insured vehicle except those owned by the insured or the driver.