Vantage Life offers the following main plan benefits and supplementary plan benefits:

Main Benefits:

• Death Benefit: Coverage that provides you with the peace of mind that your dependents would be financially secure and able to maintain the same lifestyle if you are no longer around (God forbid), in which case your beneficiary(ies) will receive the Sum Takaful Amount.
• Terminal Illness Benefit: This built-in accelerated benefit pays a Sum Takaful Amount equal to the Death Benefit Sum Takaful Amount if you are diagnosed with a terminal illness. It ensures that any additional expenses incurred due to a terminal illness can be covered, and reduces that financial burden on dependents. Terminal Illness is defined as the conclusive diagnosis of a medical condition that is expected to result in death (God forbid) within six months of diagnosis.

Supplementary benefits:
Total Permanent Disability Benefit:
This benefit offers you a lump sum payment in case, as a result of sickness or accident (God forbid) , you are no longer able to engage in any occupation for which you are suited by reason of training, education or experience, provided it is reasonably certain that such disability will persist throughout your lifetime.

Critical Illness Benefit:
Upon diagnosis of a covered critical illness, Al Hilal Takaful will pay a lump sum amount contributing towards the added financial costs associated with critical illnesses like medical bills, long term healthcare, or even your childcare expenses.
This benefit covers 37 illnesses:

1. Cancer
2. Stroke
3. Heart attack
4. Coronary Artery By-pass Surgery
5. End –Stage Renal Disease (Kidney Failure)
6. Major Organ Transplant
7. Heart Valve Surgery
8. Surgery of the Aorta (Aorta Graft Surgery)
9. Multiple Sclerosis
10. Idiopathic Parkinson’s Disease (before age 65) (Parkinson’s Disease)
11. Motor Neurone Disease
12. Paralysis of limbs
13. Loss of Limbs
14. Profound Vision Loss – irreversible (Blindness)
15. Coma
16. Deafness (Loss of hearing)
17. Loss of Speech
18. Third-degree Burns (Severe Burns)
19. Severe Rheumatoid Arthritis
20. Benign Brain Tumour
21. HIV infection due to Transfusion of Blood Products (HIV through blood transfusion)
22. HIV Infection caught at work in an eligible occupation (Occupationally Acquired HIV)
23. Poliomyelitis
24. Bacterial Meningitis (Meningitis)
25. Acute Viral Encephalitis (Encephalitis)
26. Primary Cardiomyopathy (Cardiomyopathy)
27. Aplastic Anaemia
28. Primary Pulmonary Hypertension
29. Systemic Lupus Erythematosus
30. Major Head Trauma
31. Chronic Lung Disease (End Stage Lung Disease)
32. Severe Liver Disease (Terminal Liver Insufficiency)
33. Sporadic Creutzfeld-Jacob Disease (Creutzfeld-Jacob Disease)
34. Systemic Scleroderma (Progressive Scleroderma)
35. Persistent Vegetative State (Apallic Syndrome)
36. Necrotising fasciitis
37. Amyotrophic Lateral Sclerosis (Lou Gehrig’s disease)