RAKBANK presents Idikhar Plus Takaful, savings plan blending tradition with modern financial security. Explore the benefits at RAKBANK from RAKislamic, UAE.


Better Future with Idikhar Plus | Savings Plan | RAKislamic

Idikhar Plus

Assisting you to achieve your savings goals

Takaful Idikhar Plus Savings Plan

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Global Sharia investment funds

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*will be charged for the first five years. From the sixth year onwards, it will be AED 30.
**at any time during the Plan term is 15%
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Idikhar Plus-Fees

Fees

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Get protection benefits for your family

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Terms and Conditions

Management fee (% monthly of the fund value)

Idikhar Plus - Management fee 

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Idikhar Plus - Built-in benefits

Idikhar Plus Plan is designed to serve as a vehicle to help you reach your financial goals in an efficient manner. 
 
Included in the Plan are built-in benefits such as upfront bonus allocation, family takaful benefit, building investment, contribution choices, currency options and a host of other benefits designed to protect your savings.

Built-in benefits

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Family takaful cover

AED 50,000-above

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Maximum Wakalah fee (% of takaful donation)

Idikhar Plus - Maximum Wakalah fee (% of takaful donation) 15%**

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Idikhar Plus -  Discounted Plan fee AED 20*

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Idikhar Plus-Eligibility

Eligibility

Upfront bonus allocation

Idikhar Plus - How to submit a claim

Our takaful partner, SALAMA, makes your claims submission as simple as possible, ensuring that you have the right support to quickly make a claim – anytime, anywhere. 
Claims Department – SALAMA 
PO Box: 10214, Dubai, United Arab Emirates 
Tel: 800725262 (SALAMA), 9:00 am to 6:00 pm, Mondays to Fridays 
Fax: +971 4 3577007 
Email: claims@salamalife.ae

How to submit a claim

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AED 5,000-19,999

AED 20,000-49,999

Idikhar Plus-Terms and Conditions

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Product Brochure

Terms & Conditions

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Eligibility & Criteria:

<ul class="ul1">
<li style="font-weight: 400;" aria-level="1">Age of issue: 18 to 74 years old </li>
<li style="font-weight: 400;" aria-level="1">Age at maturity: 94 years old </li>
<li style="font-weight: 400;" aria-level="1">Plan availability: RAKislamic customers holding a valid UAE residence visa</li>
<li style="font-weight: 400;" aria-level="1">Payment terms: 5 years to 20 years</li>
<li style="font-weight: 400;" aria-level="1">Policy currency: AED</li>
<li style="font-weight: 400;" aria-level="1">Payment method: Direct debit to RAKislamic Account, Credit Card</li>
<li style="font-weight: 400;" aria-level="1">Contribution frequency: Annually, semi-annually, quarterly, monthly</li>
</ul>

Idikhar Plus-Age

Idikhar Plus-Terms And Conditions

Idikhar Plus - Eligibility

Have a question?
You’ll likely find the answer in our FAQs.

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FAQs

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Idikhar Plus - Optional benefits

• Critical Illness Benefit: You can avail a guaranteed lump sum payment if you’re diagnosed from the predetermined list of 36 critical illnesses, subject to a minimum survival period of one month. If a critical illness claim is paid, the Family Takaful cover will be reduced by the amount paid. 

• Waiver of Contribution: In case of unfortunate permanent and total disability, SALAMA will continue paying for all the remaining regular contributions to guarantee that the Plan remains in force. 

• Accidental Death: In case of your unfortunate death due to an accident, your chosen beneficiary can receive an additional lump sum payment. 

• Permanent and Total Disability: You can get a guaranteed lump sum payment in case of Permanent and Total Disability (PTD) due to an accident or sickness. If PTD claim is paid, the Family Takaful cover will be reduced by the amount paid. 

• Family Income Benefit: In case of your unfortunate death, this benefit provides fix annuity payments to your family for a period chosen by you, between 1 and 40 years. 

• Hospitalisation Income Benefit: In case of your hospitalisation for a continuous period of over 3 days, you can get a fixed income payable for each day (up to 30 days per year). 

• Accidental Total or Partial Permanent Disability: You can receive a guaranteed lump sum payment in case of Permanent Partial or Total Disability due to an accident incurred within 90 days. The benefit amount is scaled and is linked to a predetermined list of disabilities.

Optional benefits

Idikhar Plus ("Takaful") is underwritten and issued by SALAMA Islamic Arab Insurance Co. (P.S.C) ("SALAMA"). The Takaful is offered by SALAMA exclusively to RAKBANK / RAKislamic customers and is subject to SALAMA&rsquo;s approval. Terms and conditions of the Takaful policy shall apply at all times. RAKBANK / RAKislamic is neither responsible for, nor guarantees or warrants the quality, fitness for purpose, suitability of the Takaful being offered by SALAMA and does not accept any liability and shall not be liable for any loss or damage arising directly or indirectly to the customer as a result of subscribing to the Takaful.
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Idikhar Plus-Important Information

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 Features 

With this Sharia-compliant Savings Plan, you can start providing for your children&rsquo;s education or plan for your retirement.&nbsp;
Achieve your savings goals and enjoy peace of mind with Idikhar Plus protection benefits.

Start your journey to growing wealth

<ol>
<li>Your Emirates ID</li>
<li>Your Passport with valid residency visa</li>
<li>Any of the following proof of income</li>
</ol>
<ul>
<li>Salary Certificate</li>
<li>Bank Statements</li>
<li>Payslips</li>
<li>Labour Contract</li>
</ul>

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Idikhar Plus-With Salary Transfer

 With Salary Transfer

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Idikhar Plus - Enjoy extra rewards

• Get rewarded with upfront bonus allocation & loyalty bonuses 
• Enjoy worldwide coverage and wide range of Sharia-compliant investment funds 
• Easy withdrawals so you always have access to your savings 
• Option to add lump sum at any time in addition to regular contributions 
• Extra optional protection covers designed to meet your needs 

Plus, the more you save, the more you get rewarded with Idikhar Plus.