The EFU Group Family Takaful Provident Fund Scheme gives employers the facility to tailor the package to their specific needs by choosing from a comprehensive range of additional benefits available. All covers are available on a 24-hours worldwide basis and cover both on-duty and off-duty risks.

Even though the additional benefits are subject to some exclusions, the basic life benefit is exclusion free and shall be payable in any case. Acts of terrorism such as fire-arm, murder, assault and assassination are covered as well.

Accidental Disability Benefit (PTD – own and similar occupation) The benefit provides for the full payment of the provident fund balance if the permanent and total disability by accident prevents the employee from following his own occupation or any other similar occupation for which he is reasonably suited by reason of education, training or experience. This benefit mainly aims to provide a financial cushion to individuals of your group.

Accidental Disability Benefit (PTD – any occupation) The benefit provides for the full payment of the provident fund balance if the permanent and total disability by accident prevents the member from following his occupation or any other occupation. This benefit mainly aims to provide a financial cushion to individuals of your group.

Natural Disability Benefit This benefit provides for the payment of the provident fund balance if permanent disability is caused by natural causes.