Weqaya Total Care

Prepare for the added financial costs of battling a critical illness

What is Weqaya Total Care?

Health problems, in most cases, strike unexpectedly, resulting in a sudden financial burden for the family. Treating a critical illness requires time and money. If you are the breadwinner of your family and become diagnosed with a major illness (God Forbid), it is quite likely that you will have to skip work to get treatment for it. This could lead to two important consequences: losing your monthly income, and an increase in expenses due to frequent visits to the hospital, high cost of medical tests and medicines that will be required for complete recovery. In such cases, your family will be worried and overwhelmed with your treatment costs. Most of the time, this would lead your family to dip into savings for other goals, such as a child’s education or for retirement, in order to overcome these expenses.

Critical Illness Plans provide coverage against specific life-threatening diseases. Treating such critical illnesses may require multiple visits to the hospital over a long period. In addition to the hospitalisation cost, there will be other costs like doctor visits, medical expenses, etc. For this purpose, Al Hilal Takaful has introduced its Weqaya Total Care plan, which is a comprehensive critical illness plan that pays a lump-sum amount that can be used to cover these high expenses.

What do you get with this Plan?

Weqaya Total Care Plan is a critical illness plan which means that it provides a Critical Illness Benefit. The Critical Illness Benefit offers you a lump sum payment upon the first-time diagnosis (God Forbid) of any of the 35 critical illnesses stated below:

  1. Major Cancer
  2. Stroke
  3. Heart Attack
  4. Coronary Artery By-pass Surgery
  5. End Stage Kidney Failure
  6. Major Organ Transplant
  7. Heart Valve Surgery
  8. Aorta Graft Surgery
  9. Multiple Sclerosis
  10. Parkinson’s Disease
  11. Motor Neurone Disease
  12. Paralysis
  13. Loss of Limbs
  14. Blindness
  15. Coma
  16. Loss of Hearing
  17. Loss of Speech
  18. Severe Burns
  19. Loss of one Limb and Loss of one Eye
  20. Benign Brain Tumour
  21. Poliomyelitis
  22. Severe Bacterial Meningitis
  23. Severe Encephalitis
  24. Cardiomyopathy
  25. Aplastic Anemia
  26. Primary Pulmonary Hypertension
  27. Major Head Trauma
  28. End Stage Lung Disease
  29. Terminal Liver Insufficiency
  30. Creutzfeld-Jacob Disease
  31. Progressive Scleroderma
  32. Apallic Syndrome / Vegetative State
  33. Severe Myocarditis
  34. Progressive Supranuclear Palsy
  35. Advanced Dementia (including Alzheimer’s Disease)
  • Comprehensive Critical Illness Plan with 35 Critical Illness covered
  • Flexible Payment Terms
  • Guaranteed Renewability

Features

Critical Illness Benefit:
You can select a Critical Illness Benefit amount between USD 25,000 and USD 525,000

Guaranteed renewability:
The term of the plan is 5 years and can be renewed for several similar successive periods without the need to provide evidence of continued insurability. Upon renewal, the contribution amount will be re-calculated based on the rates applied at the time of renewal as well as the new attained age at the time of renewal

3 Reasons why you must buy this plan

Guaranteed Renewability

Monthly, Quarterly, Semi-annual or annual payment frequency options

Range of payment methods available

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