One Plan-i

Protect what matters most.
Your family's future.

Contribute as low as RM50 every month to enjoy Basic Sum Covered (BSC) of RM250,000.

Select coverage terms from 20, 25, 30 or 35 years to better suit your protection needs.

In the event of Death or TPD, you will receive a lump sum payment of BSC and the amount you have in your Participant’s Individual Account (PIA).

Contribute as low as RM50 every month to enjoy Basic Sum Covered (BSC) of RM250,000.

Select coverage terms from 20, 25, 30 or 35 years to better suit your protection needs.

In the event of Death or TPD, you will receive a lump sum payment of BSC and the amount you have in your Participant’s Individual Account (PIA).

What is One Plan-i

One Plan-i is a Takaful plan created by OCBC together with Great Eastern Takaful Berhad. Takaful refers to cooperation among a group of individuals to mutually guarantee and aid each other in order to meet certain needs as agreed amongst themselves such as providing compensation for a particular loss or any forms of financial needs.

Key Benefits of One Plan-i

Sum Covered Grows by 10% Every 5 Years	100% Investment Profit Entitlement	Tax Relief	Maturity Benefit
Your BSC increases by 10% (of the initial BSC at plan inception) every 5 years up to 3 times with no additional costs.	You will be entitled to 100% of the investment profit earned under this certificate, which will be credited directly into your Participant’s Individual Account (PIA).	Benefits received from One Plan-i are generally non-taxable and contribution paid may qualify for tax relief, subject to the Malaysian Income Tax Act 1967 and the final decision of the Inland Revenue Board.	You will receive any amount left in your PIA upon maturity of your certificate.

Sum Covered Grows by 10% Every 5 Years

Your BSC increases by 10% (of the initial BSC at plan inception) every 5 years up to 3 times with no additional costs.

100% Investment Profit Entitlement

You will be entitled to 100% of the investment profit earned under this certificate, which will be credited directly into your Participant’s Individual Account (PIA).

Tax Relief

Benefits received from One Plan-i are generally non-taxable and contribution paid may qualify for tax relief, subject to the Malaysian Income Tax Act 1967 and the final decision of the Inland Revenue Board.

Maturity Benefit

You will receive any amount left in your PIA upon maturity of your certificate.

How does it work?

		Year 1	Year 10	Year 15	Year 35
Scenario 1 Click here for alternative scenario	How much contribution would customer have paid to date?	RM 600	RM 6,000	RM 12,000	RM 21,000
A 25-year-old female non-smoker participates in One Plan-i for 35 certificate years with Basic Sum Covered of RM 250,000 and pays monthly contribution of RM50. She holds onto the certificate until maturity.	How much is customer protected for?	RM 250,000	RM 275,000	RM 300,000	RM 325,000
	What happened to customer?				She remains healthy until maturity
	How much was paid out to customer?				She will receive the amount accumulated in her Participant’s Individual Account RM 16,176*

		Year 1	Year 3	Year 7
Scenario 2 Click here for alternative scenario	How much contribution would customer have paid to date?	RM 600	RM 1,800	RM 4,200
A 25-year-old female non-smoker participates in a One Plan-i for 35 certificate years with Basic Sum Covered of RM 250,000 and pays monthly contribution of RM50. In year 7, she suffers permanent loss of hearing and unable to work.	How much is customer protected for?	RM 250,000	RM 250,000	RM 275,000
	What happened to customer?			She is diagnosed with permanent hearing loss and is unable to work
	How much was paid out to customer?			TPD Benefit + PIA RM275,000 + RM1,988*

		Year 1	Year 6	Year 12
Scenario 3 Click here for alternative scenario	How much contribution would customer have paid to date?	RM 600	RM 3,600	RM 7,200
A 25-year-old female non-smoker participates in One Plan-i for 35 certificate years with Basic Sum Covered of RM 250,000 and pays monthly contribution of RM50. In Year 12, she meets with an accident and passes away.	How much is customer protected for?	RM 250,000	RM 275,000	RM 300,000
	What happened to customer?			She met with an accident and passed away after the 12th anniversary certificate year
	How much was paid out to customer?			Death Benefit + PIA RM 300,000 + RM 4,809*

*Assuming the PIA earns 5% each year. Profits depend on the funds’ actual performance and are NOT guaranteed. The PIA amount shown above are based on end of the respective certificate years.

Note: Illustrations above are only hypothetical examples. Please refer to the Benefits Illustration for the actual regular contribution based on your coverage amount, gender, age and smoker status.

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Disclaimer:

Terms and conditions apply. This is a Takaful product underwritten by Great Eastern Takaful Berhad (201001032332 / 916257-H). OCBC Al-Amin Bank Berhad (200801017151 / 818444-T) is the distributor of this product. The above is for general information only. It is not a contract of Takaful. The precise terms and conditions of the plans are specified in the certificates. It does not constitute an offer to buy a Takaful product or service. It is also not intended to provide any Takaful or financial advice. You may wish to seek advice from your financial advisor before making any purchase. A person interested in the above plans should read the Product Brochure and Benefits Illustration (obtainable from the Bank) before deciding whether to buy this product. The above plans are underwritten by the abovementioned Takaful company. All claims and liabilities arising from the certificates should be made with the Takaful company.

Important Notices: