iCare Cardiac Shield

Prepare for the added financial costs of battling a critical illness

What is iCare Cardiac Shield?

Cardiac Shield is a Sharia compliant Comprehensive plan which covers cardiac related illnesses, and it is created to assist you financially in the unfortunate event of being diagnosed with a cardiac related illness.

Fortunately, many people diagnosed with cardiac illnesses survive this difficult and life-threatening battle, however, as the recovery process begins, people are often burdened with the medical bills that pile up.

What do you get with this Plan?

The main benefit offered by Cardiac Shield is the Cardiac Illness Benefit, which is the amount payable for Cardiac illness on the diagnosis of one of the covered cardiac illnesses:

  1. Stroke
  2. Heart Attack
  3. Coronary Artery By-pass Surgery
  4. Heart Valve Surgery


The cardiac illness benefit is based on the level of cover in the package you have selected.

Cardiac Shield offers three different packages to suit your needs:

Package NameCoverage AmountMinimum Annual Contribution Amount*
Silver$20,000$50
Gold$40,000$75
Platinum$60,000$100

*Subject to change based on underwriting requirements.


This plan is suitable to anyone who meets the age and underwriting criteria; All healthy individuals between the ages of 21 and 59 residing in Bahrain or Kuwait can buy this plan.

  • 100% Sharia Compliant
  • Cardiac illness cover at low prices
  • Convenient purchase platform

Features

Guaranteed renewability
5 Years Renewable plan, the contribution is fixed for 5 years and the plan can be renewed after five years without underwriting and by following the new contribution for the corresponding age at renewal.

Changes in Beneficiary
You have the right at any time to change the Beneficiaries and/or Trustee or change the allocated percentage for each Beneficiary.

Grace Period
The plan offers 45 days from the contribution due date for you to make the payment before the policy lapses due to unpaid contribution.

3 Reasons why you must buy this plan

Highly affordable

Instant Cover

Completely digital process

The Top 5
Questions People Ask us

We looked at the most commonly asked questions and answered them for you.

The Top 5
Questions People Ask us

Take a look at the most commonly asked questions about life insurance.
A Life insurance policy is an affordable way to give you and your family members peace of mind, knowing that they will be protected in the unfortunate event of your death or disability. You will no longer have to worry about their financial future and can rest assured knowing they will be able to continue their current lifestyle.

The best time to start saving is Now. The sooner you start saving, the better the chances are your plan value will have the sufficient amount you will need in the future. We generally have fewer expenses at the earlier stage of our life, however as we grow older we accumulate more responsibilities and accordingly expenses tend to rise, so it would be easier for us to meet those increased expenses if we start saving as early as possible. In addition, starting to save early in life creates a positive habit of saving first then spending whatever remains of disposable income.

It depends on your income, liabilities and dependents. Generally, it should be at least 10-15 times of your annual income

The biggest benefit of investment being linked to insurance is that the plan provides a protection advantage. In the event death or disability occurs (God forbid), your savings might not be adequate to meet the dreams you had for the future. Thankfully insurance helps with that; with Death or Disability benefits offered, this will help meet the real purpose of the plan: your dream.

Saving & Protection plans can be for the purpose of Education, Regular Savings, Wedding, or Retirement, and they offer a number of benefits, such as

  • Long term Commitment: Encourages you to save consistently towards a future goal, be it a better education for your children, buying a house or starting a business, saving for your child or grandchild’s wedding or even saving towards your retirement. These plans also provide you with the flexibility to choose the mode of payment and frequency.
  • Takaful Death Benefit: God forbids in case of death, the protection element in these plans ensures that your future goal you had set for your children is still met. In case you had selected a retirement plan, you can rest assured that a lump sum will be paid out to your family for financial security.
  • Choice of Investment Strategy: Range of investment strategies are available that you can choose from based on your risk appetite.
  • Indexation: Helps your savings be protected against inflation

Let us help you plan for your better future!

Share your Basic Details and we will arrange a call back for you.

Bahrain Regional Office

Sunday – Thursday, Opening Hours: 8:00 am – 4:00 pm

Office 41, 4th Floor, Building No 2080, Seef Tower, Road No 2825, Al Seef 428, P.O Box 5832, Manama, Kingdom of Bahrain.

+973 1758 9800

info@alhilal.life

Kuwait Branch Office

Sunday – Thursday, Opening Hours: 8:00 am – 4:00 pm

10th floor, February 25 Tower, Khalid Bin Alwaleed St., Share, Kuwait City, Kuwait.

(+965) 2294 2663

info@alhilal.life