Allianz Product Brochures

برنامج أجيال
خطوات ثابتة لسمان مستقبلهم
Ajyal Programme
A wise decision shapes their future


The right step towards your children’s bright future...
Yesterday you were a husband or wife. Today you are proud to be addressed as Papa or Mummy. Becoming a parent is truly one of the happiest moments in life. But it also brings more responsibilities to your life and makes you committed to them, until.....
... they ll your eyes with tears of joy on their graduation day
... they ll your heart with pride by securing a professional career
... they stand on their own feet.
But as you know, no child can achieve his full potential in life without proper support and inspiration.
You can trust our 120 years of experience!
We understand your dreams and aspirations for your children. After all, we have been with parents around the world for more than hundred years... helping them provide their children the best higher education, and helping to mould them into future professionals.
You can trust our Shariah-compliant Ajyal Education Scheme to meet the responsibilities of your parenthood. It allows you to secure a bright future for your child without any painful sacri ces.
Upon reaching your child’s Age at Maturity, you can withdraw the fund value in lump sum or through a Structured Withdrawal plan for a period of 2, 3, 4, or 5 years. The education bene ts are percentages of the value of the Participant Investment Account (PIA) available at payment date. The table below illustrates the bene ts for ve different withdrawal options:
Payment Date
Lumpsum
2 years
3 years
4 years
5 years
Maturity Date (MD)
100%
50%
33%
25%
20%
MD + 1
-
100%
50%
33%
25%
MD + 2
-
-
100%
50%
33%
MD + 3
-
-
-
100%
50%
MD + 4
-
-
-
-
100%
Customize your child’s education bene ts
Since the cost of higher education is skyrocketing year after year, you will be in need of greater sum at various stages of your child’s education. Don’t worry! Your Ajyal is designed to provide you with a reliable and exible nancial support.
For non-lump sum options, the remaining full value of PIA, if any, may be withdrawn anytime after payment of any education bene t.
Your friend in need, indeed!
Nobody can predict an emergency. And when it happens, what you need most is a trustworthy friend. We understand it better. That is why we have designed Ajyal as simple as an ordinary savings account. When you want your money to meet emergencies, you can have it easily.
Allianz Takaful Ajyal Education Scheme allows you the option to make partial withdrawals from your Participant Investment Account (PIA) anytime after completion of 2 policy years and payment of 2 annual contributions, subject to maintaining a minimum PIA balance of USD1,000 or QAR 3,600
Your key bene ts with Ajyal Education programme
• Protection to both parent and child
•Facilitates regular savings to answer child’s higher
education and/or marriage needs
•Attractive Shari’ah investment funds from reputable
fund managers
•Easy Liquidity – Allows partial and full withdrawals
without high charges and penalties
•Flexibility – Accommodates changes to the scheme to
better re ect your changing personal and family situation


You also have the option to fully withdraw the amount in the PIA anytime during the policy term. But if such a request is made before the completion of 2 policy years and payment of 2 annual contributions, Allianz Takaful reserves the right to charge the Wakalah fees payable for the balance term of your policy.
We’ll protect you and your child
It is a fact that everybody wants a fairytale ending to their life... to live happily ever after! Nobody likes unpleasant happenings. But they do happen in life.
However, by preparing for any eventuality you can minimise their impact on your loved ones lives. Thus, Ajyal provides Takaful cover giving you reliable life protection. In the unfortunate event of the demise of a parent (God forbid), Allianz Takaful will pay out of the Participants Risk Fund the Life Cover amount to the bene ciaries.
If the child passes away, the outstanding value in the Participant Investment Account is paid to the parent or guardian and the policy automatically terminates.
We assure you of continued protection
Also in case of parent’s demise or in the event he or she becomes totally and permanently disabled (God forbid), future contributions are made from the Takaful pool to the Participant Investment Account for the bene t of the child until the child reaches the Age at Maturity.
There may also be times when you are not being able to pay your regular contributions. The reason could be a sudden nancial commitment or unforeseen emergency. In such a situation, you’ll nd an understanding feature with Ajyal – your policy shall be kept in-force by cancellation of units at the prevailing unit price to make your donations to the Participants Risk Fund, so long as there are units to support such contributions for at least 3 months.
Your freedom of choice
We understand that no two people have the same investment needs. Children’s higher education needs and future nancial requirements change from person to person. So we have the pleasure in giving you the freedom to choose your investment fund(s).
Allianz Takaful offers you a wide array of investments funds that are all Shari’ah compliant. You can choose to invest fully in any one fund or allocate your contributions into the various funds in a proportion that suits your investment needs.
Please refer to Funds Brochures for full details.
How does your Ajyal work?
Your regular contributions, after deduction of nominal Wakalah fees (i.e. provision to cover our expenses), go into your own personal account called the Participant Investment Account or PIA. Your account’s value is based on one or more underlying investment fund(s) of your choice. Units to your PIA are allocated depending on the price of units for each underlying fund. The cash value of your policy is, therefore, the total value of units that you hold in your Participant Investment Account.
You shall donate part of your contributions to a common takaful pool called Participants Risk Fund on a monthly basis. This is done through cancellation of units from your Participant Investment Account. Your selected bene ts, such as the Life Cover, are paid from said Participants Risk Fund. The policy administration and fund management charges are priced in the unit prices.


Adherance to your principles
Takaful, which means “guaranteeing each other”, observes the rules and regulations of Islamic law (Shari’ah). Allianz Takaful plans are built on the principles of mutual cooperation and shared responsibilities. By securing an Allianz Takaful product, you cooperate with other Participants for the common good. You, therefore, contribute positively to providing quality of life for all and upholding the dignity of individuals, families, and our society in general.
As a participant to the mutual system, you may be eligible to receive a share of any declared surplus from the Participants Takaful Fund. Distribution of the surplus is in accordance to the company’s Surplus Policy as approved by its Shari’ah Supervisory Board.
At your convenience...
Contributions to this scheme start from as little as USD 150 or QAR 540 per month. You have options to pay yearly, half-yearly, quarterly, or even monthly via cash or direct debit from your bank account.
We are at your assistance
We know that choosing the right investment programme is not an easy task. The information provided here is to assist you in arriving at a right decision. Our professional Takaful Consultants and Customer Service Personnel shall be happy to help you structure an Ajyal for your children’s bene t. Please give us a call, we are happy to talk to you.
Important Notice:
This brochure contains only general information. It does not constitute an offer to buy or sell a Takaful plan or service nor is it intended to provide any nancial advice. Any person interested in this plan should read and consider its complete Terms and Conditions before making a decision. Please request the same from our authorized distributors and partners.
Buying an Ajyal is a long-term commitment. If you cash in early, the surrender value payable may be less than the total contributions paid.
Allianz Takaful - QFC Branch
C Ring Road- Al Muntazah
P.O. Box 200193, Doha, Qatar Of ce: +974 4039 777
Fax: +974 4039 799
Email: [email protected] www.allianz.com.bh
Authorized by the Qatar Financial Center Regulatory Authority (QFCRA) to provide Shari’ah compliant family Takaful products.
DISCLAIMER: This plan is underwritten by Allianz Takaful - QFC Branch, Qatar and issued subject to the terms and conditions determined by Allianz Takaful - QFC Branch, Qatar. Doha Bank does not offer Takaful advice, nor does it manage, underwrite or issue Takaful policies. Doha Bank is not responsible for rejected applications or claims. Contributions received by Doha Bank for the plan are not bank deposits. All Contributions collected from customers are forwarded to Allianz Takaful - QFC Branch, Qatar. These plans are optional and are not a pre- requisite for any other credit product offered by Doha Bank. This plan, its bene ts and proceeds are subject to the local Laws and Regulation applicable in the State of Qatar.
For more infomation
Tel: +973 13303333
E-mail: [email protected]
OR
Bancassurance Service Desk: 425 7517 / 425 7488 Hello Doha Call Center: 445 6000
Fax: 441 9782
e-Mail: [email protected]
2010
FM/AZTK/IL/026


برنامج جنى
خ الأعمال لأعز الأجيال
Jana Scheme
Securing the precious moments of your life


Your affordable way to secure life and save for the future.
As a responsible parent or spouse, you are committed to your loved ones’ happiness and security. All your endeavours are to provide them the very best in life; from bare necessities to luxuries. A exible and growth-oriented investment plan can assist you in meeting your commitments and ensure precious moments of life to your loved ones even in the case of any unfortunate event. That’s where you can count on both Doha Bank and Allianz Takaful.
Our Jana Plan, a Sharia’h-compliant low- cost family protection scheme, is designed to help protect you and your family. This regular contribution scheme is more than just a takaful plan as it also gives you a secure way to save for the future and enjoy a range of additional bene ts.
You have a choice of attractive investment funds
We understand that no two people have the same investment need. Financial requirements change from person to person. Hence, the Jana plan is designed to offer you maximum exibility with your investment. You can invest fully in any one of the Sharia’h-compliant funds or allocate your contributions to a range of lucrative funds in a proportion that suits your short term or long term investment objectives.
Please refer to Funds Brochures for full details.
You can switch between funds easily
If you feel that a fund which you have chosen is not performing to your expectations due to the market conditions, you can switch from it to another fund without any hassles. The Jana plan allows you 6 free switches between the available fund options every contract year.
We’ll protect you and your family
Everybody wants to live happily for ever as in a fairytale! Unfortunately, we don’t have any control over the future happenings. However, by preparing for any eventuality you can minimise their impact on your loved ones’ lives. Thus, Jana plan provides Takaful cover giving you and your loved ones reliable life protection. In the unfortunate event of premature demise (God forbid), Jana plan will pay out of the Participants Risk Fund the Life Cover amount to the designated bene ciaries.
The Takaful cover bene t option is available to you:
Bene t equals the amount of Life Cover plus the outstanding value of Participant Investment Account (PIA) and share on surplus on the Participants Risk Fund (PRF), if any
Easy settlement on your plan’s maturity
Based on the investment term chosen for your Jana plan, you are entitled to receive your full fund value at the time of maturity. This will include the value of all your booster contributions.
Your key bene ts with Jana
• Facilitates the highest amount of protection with a built-in savings platform
• Potentially higher returns over the long term by investing in unit-linked funds
• Flexible investment terms
• Choice of Sharia’h-compliant investment funds
with access to global and emerging markets
• Takaful life protection cover for the Participant and family
• Cover continuance bene t
• Full or partial money withdrawal option after the
lock-in period
• Additional protection bene ts with rider options
• Flexibility to increase/decrease life cover and contributions
You have a choice of exible investment terms
Depending on your speci c investment requirement you can choose from plans with terms ranging from 5 to 40 years. So, if you want to meet a nancial commitment in the near future or want to grow your money over a period of time, Jana can ful l your needs with a plan that best suits your needs.


Convenience of partial money withdrawal option
Nobody can predict an emergency. And when it happens, what you need most is a trustworthy friend. That is why we have designed Jana plan as simple as an ordinary savings account. When you want your money to meet emergencies, you can have it easily.
The Jana plan allows you the option to make partial withdrawals from your Participant Investment Account (PIA) anytime after completion of 3 policy years and payment of 3 annual contributions, subject to maintaining a minimum PIA balance of USD1,000 /QAR 3,600.
You are free to surrender your plan
Jana plan won’t lock-in your money until the maturity date. We understand that there may be times when you need all your money back to meet emergencies. So you also have the option to fully withdraw the amount in the PIA anytime during the policy term after three contract years. And we won’t charge you any surrender charges.
We assure you of continued protection
Jana plan provides you a unique feature of continued protection, even if you stop paying your regular contributions. Your policy shall be kept in-force by cancellation of units at the prevailing unit price to make your donations to the Participants Risk Fund, so long as there are units to support such contributions for at least 3 months.
You have the exibility to change your cover amount
Do you think you need more life cover during your contract period? Just let us know. The Jana plan gives you the exibility to Increase or Decrease your life cover amount on your contract anniversary.
You have the exibility to change your contributions
If you are in a position to contribute more to your fund after starting your Jana plan, you can do it too. The Jana plan gives you the exibility to Increase or Decrease your fund contributions on your contract anniversary.
Your additional cover bene ts with riders
Adding to the exibility of your plan, the Jana plan also gives you the option to customise your investment plan with riders to enjoy additional protection bene ts. The optional riders can be attached to and made part of your investment plan, including the following:
1- Accidental Death Bene t
2- Critical Illness Bene t
3- Permanent Partial Disability Bene t (PPD)
4- Permanent Total Disability Bene t (PTD)
5- Waiver of Contribution Bene t in case of Permanent
Total Disability (WOC)
Rider charges of the opted riders will be recovered by the cancellation of units. Please refer to your policy for complete rider speci cations.
An illustrative example of your Jana plan
(Illustration Chart)
Annual Contribution Age at Entry
Life Cover
Payment Frequency
: USD 2,500/-
: 30 years
: USD 212,500/- : Annual


Maturity Value
Plan Term = 20 years
Plan Term = 30 years
Returns @ 5% p.a.
Returns @ 9% p.a.
Returns @ 5% p.a.
Returns @ 9% p.a.
USD 39487.59
USD 62272.62
USD 53177.60
USD 122667.13
For more infomation
Tel: +973 13303333
E-mail: [email protected]
OR
Bancassurance Service Desk: 425 7517 / 425 7488 Hello Doha Call Center: 445 6000
Fax: 441 9782
e-Mail: [email protected]
The given illustrations are for a healthy male. The given maturity values are net of all charges. Since your plan offers variable returns, the given illustration shows two different rates (5% p.a. & 9% p.a.) of assumed future investment returns.
Adherence to your principles
Takaful, which means “guaranteeing each other”, observes the rules and regulations of Islamic law (Sharia’h). Allianz Takaful plans are built on the principles of mutual cooperation and shared responsibilities. By securing an Allianz Takaful product, you cooperate with other Participants for the common good. You, therefore, contribute positively to providing quality of life for all and upholding the dignity of individuals, families, and our society in general.
As a participant to the mutual system, you may be eligible to receive a share of any declared surplus from the Participants Takaful Fund. Distribution of the surplus is in accordance to the company’s Surplus Policy as approved by its Sharia’h Supervisory Board.
We are at your assistance
We know that choosing the right investment programme is not an easy task. Hence, our expert Financial Consultants are available to assist you in structuring a proper nancial plan that meets your and your family’s nancial objectives. You can also feel free to call our Customer Service Personnel anytime for assistance. We are happy to assist you.
IMPORTANT NOTICE:
This brochure contains only general information. It does not constitute an offer to buy or sell a Takaful plan or service nor is it intended to provide any nancial advice. Any person interested in this plan should read and consider its complete Terms and Conditions before making a decision. Please request the same from our authorized distributors and partners.
Allianz Takaful - QFC Branch
C Ring Road- Al Muntazah
P.O. Box 200193, Doha, Qatar Of ce: +974 4039 777
Fax: +974 4039 799
Email: [email protected] www.allianz.com.bh
Authorized by the Qatar Financial Center Regulatory Authority (QFCRA) to provide Shari’ah compliant family Takaful products.
DISCLAIMER: This plan is underwritten by Allianz Takaful - QFC Branch, Qatar and issued subject to the terms and conditions determined by Allianz Takaful - QFC Branch, Qatar. Doha Bank does not offer Takaful advice, nor does it manage, underwrite or issue Takaful policies. Doha Bank is not responsible for rejected applications or claims. Contributions received by Doha Bank for the plan are not bank deposits. All Contributions collected from customers are forwarded to Allianz Takaful - QFC Branch, Qatar. These plans are optional and are not a pre- requisite for any other credit product offered by Doha Bank. This plan, its bene ts and proceeds are subject to the local Laws and Regulation applicable in the State of Qatar.
2010
FM/AZTK/IL/001


برنامج صحتي
حياة حافلة بالصحة والعافية
Sehhati Scheme
A lifetime of good health


Allianz Takaful “Sehhati” Scheme
Healthcare costs nowadays are skyrocketing. Who will pay your bills if you have a serious accident or major illness? Most of the times, we are unprepared for these dif cult times - both emotionally and nancially. Allianz’s Health Takaful Plan is designed to protect you and your family in case you need important medical care. It offers you comprehensive healthcare bene ts, which include medical reimbursement for hospitalization expenses and out-patient treatments. You likewise enjoy cashless treatments as we have arranged direct billing or submission of claims by our more than one thousand designated network providers worldwide.
Plan Options
Sehhati has several plan options you can choose from to suit your individual or your group’s speci c needs:
• PLATINUM
- Scope: Worldwide
- AggregateAnnualLimit(perperson):QAR2,500,000
- Room Accommodation: Suite
• DIAMOND
- Scope:Worldwide,excludingUSAandCanada
- AggregateAnnualLimit(perperson):QAR2,500,000 - RoomAccommodation:Suite
• GOLDI
- Scope: Qatar, Arab Countries, Sub-Asia Countries, Philippines, Korea, Sri-Lanka
• GOLD II
- Scope:Qatar
Arab and Sub-Asia Countries (other than State of Qatar)
Afghanistan, Algeria, Bangladesh, Bhutan, Djibouti, Egypt, India, Iraq, Iran, Jordan, Kingdom of Saudi Arabia, Kuwait, Lebanon, Libya, Maldives, Mauritania, Morocco, Nepal, Oman, Palestine, Pakistan, Bahrain, Somalia, Sudan, Syria, Tunisia, United Arab Emirates, Yemen
Summary of Healthcare Bene ts*
Your healthcare bene ts in detail:
a. Consultation Charges
i. Physician fees as either in-patient or out-patient
ii. Pathology, X-ray, and diagnostic procedures, magnetic resonance imaging (MRI) and computerized axial tomography (CT) scans, radiotherapy, chemotherapy, as in-patient or out-patient
iii. IllnessorInjurythatrequiresconsultations,diagnostic procedures, physiotherapies, prescribed drugs, or other covered healthcare services, which are subject to a Deductible and/or Co-Insurance per visit as speci ed in the policy
b. Hospital Charges
i. Room and board charges according to the type of Room
Accommodation of selected plan option
ii. Physician fees including theatre charges for the treatment of an Illness or Injury
iii. IntensiveCareUnit(ICU)charges
c. Prescribed Drugs as an in-patient or out-patient
Aggregate Annual Limit (per person)
Room Accommodation
VIP Class
QAR 1,000,000
Suite
Class A
QAR 500,000
Private
Class B
QAR 250,000
Semi-Private
Aggregate Annual Limit (per person)
Room Accommodation
VIP Class
QAR 300,000
Suite
Class A
QAR 150,000
Private
Class B
QAR 75,000
Semi-Private


d. Treatment for Emergency (the sudden, unexpected onset of a non-excluded Illness or Injury, raising a legitimate professional concern that there may be a signi cant medical problem necessitating a treatment which cannot be delayed and requires immediate con nement to a Hospital)
e. Emergency Local Ambulance Charges, including transportation costs to and from the Hospital by the most appropriate transport method, only when considered medically necessary by a Physician
f. CashIndemnityforin-patienttreatmentsforHospitalizations within the Designated Network Providers that are not submitted to us for Claim
g. Physiotherapy treatment which is referred by a specialist Physician and deemed to be medically necessary for continued recovery from an Illness or Injury
h. Chiropractic treatment and Osteopathy
i. Organ transplant but as recipient of heart, liver, and kidneys only, excluding all costs associated with the acquisition of the required organ to be transplanted including administrative and transportation costs
j. Accidental damage to teeth provided treatment is received in a Hospital’s Emergency room within forty-eight (48) hours following the accident, and provided that the damage is caused to sound, natural teeth and for the initial relief of pain and any treatment necessary to preserve the dental structure
k. Home Nursing Care (the skilled nursing services given by a registered nurse at home immediately after an in-patient treatment which is deemed to be medically necessary)
l. Parent Accommodation - Charges for a parent staying with a covered person who is less than 16 years old
m. International Medical Emergency Assistance (Available within Scope of Cover for Platinum, Diamond & Gold Plans)
i. Emergency Evacuation -arrangement and payment for the appropriate mode of transport, equipment and personnel necessary to evacuate covered person to nearest capable medical facility in the event of an emergency Injury or Illness while traveling outside the country of residence or employment and if adequate facilities are not available
ii. Emergency Message Transmission
iii. Emergency Family Member Visit - transportation of a relative to the place of Hospitalization when covered person is traveling alone and has been hospitalized for a speci c number of days
iv. MedicallySupervisedRepatriation-transportationback home for continuation of Hospitalization when covered person is in stable condition and if medically required
v. Care and Transportation of unattended Minor Children
vi. RepatriationofMortalRemainsofadeceasedcovered person to his country of residence or employment, or costs for local burial at place of death
vii. Legal Assistance and Emergency Cash Advances In-Patient Coverage
Reimbursement for in-patient treatments is as follows:
Within the Medical Qatar Network Providers in Qatar
100% of actual costs
Within the territorial scope / Outside the Medical Network Providers /With our prior approval
80% of actual costs
Within the territorial scope / Outside the Medical Network Providers/ With no prior approval
80% of actual costs, maximum of 80% of the Usual, Customary and Reasonable (UCR) Charges
For all in-patient treatments or hospitalizations that are not submitted to us, we provide Cash Indemnity Bene t of QAR 200 per night for a maximum of 60 days.
What are Usual, Customary and Reasonable (UCR) Charges ?
UCR Charges refer to charges or expenses for necessary healthcare which, in our sole opinion and experience, does not exceed the general level of charges being made by other healthcare providers of similar standing in the State of Qatar, when providing like or comparable treatments or healthcare services.


Out-Patient Coverage
Reimbursement for out-patient treatments is as follows:
For emergency cases; bene t is as follows:
- Covers such treatment arising from medical necessity is covered, such as Root canal treatment, Teeth extractions, and Routine llings - Amalgam, Resin, Plastic, and Temporary, excluding those for cosmetic reasons
• Optical Bene ts*
- Options for annual limit: QAR 1000; QAR 1500; QAR 2000; or QAR 2500 per person per year
- Covers optical examinations conducted for the purpose of obtaining eye glasses or upgrading existing lenses, excluding the cost of lenses or glasses
• Maternity Bene ts*
- Available for females aged 18 to 45
- Options for annual limit: QAR 5000; QAR 10,000; or
QAR 15,000 per person per year
- There is NO waiting period (for Group plans)
Other exclusions as per the Contract wording
This brochure provides brief features of “Sehati” product. Please contact us for full details on all covers, terms and conditions of the Product.
For more infomation
Tel: +973 13 303333
E-mail: [email protected]
OR
Bancassurance Service Desk: 425 7517 / 425 7488 Hello Doha Call Center: 445 6000
Fax: 441 9782
e-Mail: [email protected]
Allianz Takaful - QFC Branch
C Ring Road- Al Muntazah
P.O. Box 200193, Doha, Qatar
Of ce: +974 4039 777, Fax: +974 4039 799 Email: [email protected] www.allianz.com.bh
Authorized by the Qatar Financial Center Regulatory Authority (QFCRA) to provide Shari’ah compliant family Takaful products.
NEXtCARE Claims Center
Tel.: +971 4 6056800
Fax: +971 4 6056801
Toll Free No. 8000-1151
E-mail: [email protected]
DISCLAIMER: This plan is underwritten by Allianz Takaful - QFC Branch, Qatar and issued subject to the terms and conditions determined by Allianz Takaful - QFC Branch, Qatar. Doha Bank does not offer Takaful advice, nor does it manage, underwrite or issue Takaful policies. Doha Bank is not responsible for rejected applications or claims. Contributions received by Doha Bank for the plan are not bank deposits. All Contributions collected from customers are forwarded to Allianz Takaful - QFC Branch, Qatar. These plans are optional and are not a pre- requisite for any other credit product offered by Doha Bank. This plan, its bene ts and proceeds are subject to the local Laws and Regulation applicable in the State of Qatar.
Within the Medical Network Providers in Qatar
100% of actual costs minus the Deductible
Within the territorial scope / Outside theMedical Network Providers
80% of actual costs, maximum of 80% of the UCR charges, minus the Deductible
Within Qatar
100% emergency treatment
Outside Qatar
100% of eligible in- patient and out-patient emergency treatment; for Gold I Plan-100% of the UCR charges; and, for Gold II Plan - Not applicable
Amount of Deductible can be as low as QAR 50 (or up to maximum of QAR 200). This is the amount you pay for every out-patient treatment. We cover Physiotheraphy treatments, Chiropractic treatment, and Osteopathy. For individual policies, pharmaceutical annual limits are up to QAR 2000 per year. No pharmaceutical limit for group policies. No Limit for Consultations within the Designated Network Provider!
No Sublimit for Out-Patient Treatments!
Optional and Additional Bene ts
For minimal additional contributions, you may avail for yourself or your group the following additional bene ts:
• COBRA Extension
- If a treatment is not available at the country of residence
or employment:
a. Free Access for such treatment at an international
Designated Network Provider
b. Air Transportation for the covered person and an
accompanying relative (wife, child, or parent)
c. Accommodation for the accompanying relative
• Dental Bene ts*
- Options for annual limit: QAR 2000; QAR 3000; QAR 4000;
or QAR 5000 per person per year
2010
GT/HT/001


برنامج ثمرات
اضتثمر باطمئنان، للعمر ضمان
Thamarat Scheme
Good returns that last your lifetime


Enrich your Prosperity.
No person with a good investment sense would leave his or her wealth idle when it can earn good returns and secure his/ her future. That’s where you can count on both Doha Bank and Allianz Takaful to grow your surplus money from bonus, business pro ts, sale of assets or even from a raf e win and assure you the peace of mind of takaful life cover.
Our Thamarat Scheme is a single contribution, unit-linked, family takaful plan that provides a unique vehicle of wealth creation to high net worth individuals. It allows you to invest your lump sum money prudently and also provides the bene ts of takaful cover for you and your loved ones.
You have a choice of attractive investment funds
We understand that no two people have the same investment need. Financial requirements change from person to person. Hence, the Thamarat Scheme is designed to offer you maximum exibility with your investment. You can invest fully in any one of the Shariah-compliant funds or allocate your contributions to a range of lucrative funds in a proportion that suits your short term or long term investment objectives.
Please refer to Funds Brochures for full details.
You can switch between funds easily
If you feel that a fund which you have chosen is not performing to your expectations due to the market conditions, you can switch from it to another fund without any hassles. The Thamarat Scheme allows you 6 free switches between the available fund options every contract year.
We’ll protect you and your family
Everybody wants to live happily for ever as in a fairytale! Unfortunately, we don’t have any control over the future happenings. However, by preparing for any eventuality you can minimise their impact on your loved ones’ lives. Thus, Thamarat Scheme provides Takaful cover giving you and your loved ones reliable life protection. In the unfortunate event of premature demise (God forbid), Thamarat Scheme will pay out of the Participants Risk Fund the Life Cover amount to the designated bene ciaries.
Your key bene ts with the Thamarat Scheme
• Single contribution takaful investment plan
• Offers higher returns by investing in unit-linked
funds
• Flexible investment terms
• Choice of Shariah-compliant investment funds with access to global and emerging markets
• Extremely low fees and charges
• Takaful life protection cover for the Participant and
family
• Full or partial money withdrawal option after the lock-in period
• Additional protection bene ts with rider options
You have a choice of exible investment terms
Depending on your speci c investment requirement you can choose from plans with terms ranging from 5 to 40 years. So, if you need a lump sum amount in the near future or a large sum of money after a decade, the Thamarat Scheme can ful l your needs with a plan that best suits your needs.


The Takaful cover bene t option is available to you:
Bene t equals the amount of Life Cover plus the outstanding value of Participant Investment Account (PIA) and share on surplus on the Participants Risk Fund (PRF), if any
Easy settlement on your plan’s maturity
Based on the investment term chosen for your Thamarat Scheme, you are entitled to receive your full fund value at the time of maturity.
Convenience of partial money withdrawal option
Nobody can predict an emergency. And when it happens, what you need most is a trustworthy friend. That is why we have designed the Thamarat Scheme as simple as an ordinary savings account. When you want your money to meet emergencies, you can have it easily.
The Thamarat Scheme allows you the option to make partial withdrawals from your Participant Investment Account (PIA) anytime after completion of 1 policy year, subject to maintaining a minimum PIA balance of USD 1,000 ot QAR 3,600.
You are free to surrender your scheme
Thamarat Scheme won’t lock-in your money until the maturity date. We understand that there may be times when you need all your money back to meet emergencies. So you also have the option to fully withdraw the amount in the PIA anytime during the policy term after one contract year. And we won’t charge you any surrender charges.
Your additional cover bene ts with riders
Adding to the exibility of your plan, the Thamarat Scheme also gives you the option to customise your investment scheme
with riders to enjoy additional protection bene ts. The optional riders can be attached to and made part of your investment plan, including the following:
1- Accidental Death Bene t
2- Critical Illness Bene t
3- Permanent Partial Disability Bene t (PPD) 4- Permanent Total Disability Bene t (PTD)


Rider charges of the opted riders will be recovered by the cancellation of units. Please refer to your policy for complete rider speci cations.
An illustrative example of your Thamarat Scheme
IMPORTANT NOTICE:
This brochure contains only general information. It does not constitute an offer to buy or sell a Takaful plan or service nor is it intended to provide any nancial advice. Any person interested in this plan should read and consider its complete Terms and Conditions before making a decision. Please request the same from our authorized distributors and partners.
Single Contribution Age at Entry Payment Frequency
: USD 25,000 : 30 years
: Single
For more infomation
Tel: +973 13303333
E-mail: [email protected]
OR
Bancassurance Service Desk: 425 7517 / 425 7488 Hello Doha Call Center: 445 6000
Fax: 441 9782
e-Mail: [email protected]
Maturity Value
Plan Term = 5 years
Plan Term = 10 years
Returns @ 5% p.a.
Returns @ 9% p.a.
Returns @ 5% p.a.
Returns @ 9% p.a.
USD 27857.88
USD 33584.13
USD 32168.36
USD 46752.08
The given illustrations are for a healthy male with zero life cover option. The given maturity values are net of all charges. Since your plan offers variable returns, the given illustration shows two different rates (5% p.a. & 9% p.a.) of assumed future investment returns.
Adherance to your principles
Takaful, which means “guaranteeing each other”, observes the rules and regulations of Islamic law (Shari’ah). Allianz Takaful plans are built on the principles of mutual cooperation and shared responsibilities. By securing an Allianz Takaful product, you cooperate with other Participants for the common good. You, therefore, contribute positively to providing quality of life for all and upholding the dignity of individuals, families, and our society in general.
As a participant to the mutual system, you may be eligible to receive a share of any declared surplus from the Participants Takaful Fund. Distribution of the surplus is in accordance to the company’s Surplus Policy as approved by its Shari’ah Supervisory Board.
We are at your assistance
We know that choosing the right investment programme is not an easy task. Hence, our expert Financial Consultants are available to assist you in structuring a proper nancial plan that meets your and your family’s nancial objectives. You can also feel free to call our Customer Service Personnel anytime for assistance. We are happy to assist you.
Allianz Takaful - QFC Branch
C Ring Road- Al Muntazah
P.O. Box 200193, Doha, Qatar Of ce: +974 4039 777
Fax: +974 4039 799
Email: [email protected] www.allianz.com.bh
Authorized by the Qatar Financial Center Regulatory Authority (QFCRA) to provide Shari’ah compliant family Takaful products.
DISCLAIMER: This plan is underwritten by Allianz Takaful - QFC Branch, Qatar and issued subject to the terms and conditions determined by Allianz Takaful - QFC Branch, Qatar. Doha Bank does not offer Takaful advice, nor does it manage, underwrite or issue Takaful policies. Doha Bank is not responsible for rejected applications or claims. Contributions received by Doha Bank for the plan are not bank deposits. All Contributions collected from customers are forwarded to Allianz Takaful - QFC Branch, Qatar. These plans are optional and are not a pre- requisite for any other credit product offered by Doha Bank. This plan, its bene ts and proceeds are subject to the local Laws and Regulation applicable in the State of Qatar.
2010
FM/AZTK/IL/002


برنامج ثراء
خطط الآن، للمضتقبل ضمان
Tharaa Scheme
A monthly plan for a prosperous future


A good investment opportunity to ful l your aspirations.
Today you may be enjoying life with a steady income. And you are dreaming of a prosperous life tomorrow. However, your present nancial situation may not be suf cient enough to ensure it. You will have more commitments and priorities in the future. Nevertheless, with proper nancial planning and wise investments you could enjoy a life of your aspirations. That’s where you can count on both Doha Bank and Allianz Takaful.
Our Tharaa plan is designed to help you shape your future, especially your nances. Tharaa is a Sharia’h compliant investment plan which can secure your future for as little as QAR 440 or USD 120 a month. Moreover, you have the option to add life cover for yourself and your family!
You have a choice of attractive investment funds
We understand that no two people have the same investment need. Financial requirements change from person to person. Hence, the Tharaa plan is designed to offer you maximum exibility with your investment. You can invest fully in any one of the Sharia’h-compliant funds or allocate your contributions to a range of lucrative funds in a proportion that suits your short term or long term investment objectives.
Please refer to Funds Brochures for full details.
You can switch between funds easily
If you feel that a fund which you have chosen is not performing to your expectations due to the market conditions, you can switch from it to another fund without any hassles. The Tharaa plan allows you 6 free switches between the available fund options every contract year.
Give a boost your investment
Got a bonus or won a raf e? You can increase your fund value by investing the surplus money over and above your regular contributions. The minimum booster amount is QAR 3,600 or USD 1000 and the booster contributions can be made anytime during the contract period.
We’ll protect you and your family
Everybody wants to live happily for ever as in a fairytale! Unfortunately, we don’t have any control over the future happenings. However, by preparing for any eventuality you can minimise their impact on your loved ones’ lives. Thus, Tharaa plan provides Takaful cover giving you and your loved ones reliable life protection. In the unfortunate event of premature demise (God forbid), Tharaa plan will pay out of the Participants Risk Fund the Life Cover amount to the designated bene ciaries.
Your key bene ts with Tharaa
• Potentially higher returns over the long term by investing in unit-linked funds
• Flexible investment terms
• Choice of Sharia’h-compliant investment funds with
access to global and emerging markets
• Investment Boosters – exibility to increase fund value by investing surplus money at any time
• Takaful life protection cover for the Participant and family
• Cover continuance bene t
• Full or partial money withdrawal option after the
lock-in period
• Additional protection bene ts with rider options
• Flexibility to increase/decrease life cover and contributions
You have a choice of exible investment terms
Depending on your speci c investment requirement you can choose from plans with terms ranging from 5 to 20 years. So, if you want to meet a nancial commitment in the near future or want to grow your money over a period of time, Tharaa can ful l your needs with a plan that best suits your needs.


The Takaful cover bene t option is available to you:
Bene t equals the amount of Life Cover plus the outstanding value of Participant Investment Account (PIA) and share on surplus on the Participants Risk Fund (PRF), if any
Easy settlement on your plan’s maturity
Based on the investment term chosen for your Tharaa plan, you are entitled to receive your full fund value at the time of maturity. This will include the value of all your booster contributions.
Convenience of partial money withdrawal option
Nobody can predict an emergency. And when it happens, what you need most is a trustworthy friend. That is why we have designed Tharaa plan as simple as an ordinary savings account. When you want your money to meet emergencies, you can have it easily.
The Tharaa plan allows you the option to make partial withdrawals from your Participant Investment Account (PIA) anytime after completion of 2 policy years and payment of 2 annual contributions, subject to maintaining a minimum PIA balance of USD1,000 / QAR 3600.
You are free to surrender your plan
Tharaa plan won’t lock-in your money until the maturity date. We understand that there may be times when you need all your money back to meet emergencies. So you also have the option to fully withdraw the amount in the PIA anytime during the policy term after two contract years. And we won’t charge you any surrender charges.
We assure you of continued protection
Tharaa plan provides you a unique feature of continued protection, even if you stop paying your regular contributions. Your policy shall be kept in-force by cancellation of units at the prevailing unit price to make your donations to the Participants Risk Fund, so long as there are units to support such contributions for at least 3 months.
You have the exibility to change your cover amount
Do you think you need more life cover during your contract period? Just let us know. The Tharaa plan gives you the exibility to Increase or Decrease your life cover amount on your contract
anniversary.
You have the exibility to change your contributions
If you are in a position to contribute more to your fund after starting your Tharaa plan, you can do it too. The Tharaa plan gives you the exibility to Increase or Decrease your fund contributions on your contract anniversary.
Your additional cover bene ts with riders
Adding to the exibility of your plan, the Tharaa plan also gives you the option to customise your investment plan with riders to enjoy additional protection bene ts. The optional riders can be attached to and made part of your investment plan, including the following:
1- Accidental Death Bene t
2- Critical Illness Bene t
3- Permanent Partial Disability Bene t (PPD)
4- Permanent Total Disability Bene t (PTD)
5- Waiver of Contribution Bene t in case of Permanent
Total Disability (WOC)
Rider charges of the opted riders will be recovered by the cancellation of units. Please refer to your policy for complete rider speci cations.


An illustrative example of your Tharaa plan
(Illustration Chart) Annual Contribution Age at Entry Payment Frequency
: USD 10,000/- : 30 years
: Annual
Maturity Value
Plan Term = 10 years
Plan Term = 20 years
Returns @ 5% p.a.
Returns @ 9% p.a.
Returns @ 5% p.a.
Returns @ 9% p.a.
USD 109584.26
USD 134999.61
USD 256629.98
USD 393451.08
The given illustrations are for a healthy male with zero life cover option. The given maturity values are net of all charges. Since your plan offers variable returns, the given illustration shows two different rates (5% p.a. & 9% p.a.) of assumed future investment returns.
Adherence to your principles
Takaful, which means “guaranteeing each other”, observes the rules and regulations of Islamic law (Sharia’h). Allianz Takaful plans are built on the principles of mutual cooperation and shared responsibilities. By securing an Allianz Takaful product, you cooperate with other Participants for the common good. You, therefore, contribute positively to providing quality of life for all and upholding the dignity of individuals, families, and our society in general.
As a participant to the mutual system, you may be eligible to receive a share of any declared surplus from the Participants Takaful Fund. Distribution of the surplus is in accordance to the company’s Surplus Policy as approved by its Sharia’h Supervisory Board.
We are at your assistance
We know that choosing the right investment programme is not an easy task. Hence, our expert Financial Consultants are available to assist you in structuring a proper nancial plan that meets your and your family’s nancial objectives. You can also feel free to call our Customer Service Personnel anytime for assistance. We are happy to assist you.
IMPORTANT NOTICE:
This brochure contains only general information. It does not constitute an offer to buy or sell a Takaful plan or service nor is it intended to provide any nancial advice. Any person interested in this plan should read and consider its complete Terms and Conditions before making a decision. Please request the same from our authorized distributors and partners.
For more infomation
Tel: +973 13303333
E-mail: [email protected]
OR
Bancassurance Service Desk: 425 7517 / 425 7488 Hello Doha Call Center: 445 6000
Fax: 441 9782
e-Mail: [email protected]
Allianz Takaful - QFC Branch
C Ring Road- Al Muntazah
P.O. Box 200193, Doha, Qatar Of ce: +974 4039 777
Fax: +974 4039 799
Email: [email protected] www.allianz.com.bh
Authorized by the Qatar Financial Center Regulatory Authority (QFCRA) to provide Shari’ah compliant family Takaful products.
DISCLAIMER: This plan is underwritten by Allianz Takaful - QFC Branch, Qatar and issued subject to the terms and conditions determined by Allianz Takaful - QFC Branch, Qatar. Doha Bank does not offer Takaful advice, nor does it manage, underwrite or issue Takaful policies. Doha Bank is not responsible for rejected applications or claims. Contributions received by Doha Bank for the plan are not bank deposits. All Contributions collected from customers are forwarded to Allianz Takaful - QFC Branch, Qatar. These plans are optional and are not a pre- requisite for any other credit product offered by Doha Bank. This plan, its bene ts and proceeds are subject to the local Laws and Regulation applicable in the State of Qatar.
2010
FM/AZTK/IL/001