When times are tough, we all need a helping hand. Did you know there is a type of takaful plan which offers protection during emotionally difficult periods?
Pusara Pro by Ouch! is based on the Islamic takaful concept of Khairat Kematian, which helps cover funeral expenses for the participant.
Khairat Kematian is similar to ‘compassionate claims’ insurance cover, which can be a valuable source of support in challenging personal circumstances. In this article, we’ll look at the benefits of compassionate claims and how Ouch!’s Pusara Pro can provide peace of mind while saving you money.
What Are Compassionate Claims?
Compassionate claims, also known as compassionate allowances or compassionate benefits, provide financial support to the beneficiaries of takaful participants who have recently passed. These claims are typically designed to expedite the claims process and provide immediate financial assistance to the beneficiaries.
Compassionate benefit policies acknowledge the unique circumstances and the financial and emotional strain that the loved ones of participants may experience during these difficult times. Operators who offer compassionate allowances often go above and beyond the typical coverage provided by standard insurance policies.
Pusara Pro is a term life takaful which has compassionate benefit as one of the product offerings and can be used for bereavement support. For example, in the unfortunate event of the death of a Pusara Pro participants, it could be used for funeral expenses similar to the Khairat Kematian takaful concept.
How Compassionate Benefits Will Help You
On top of covering the circumstances mentioned above, there are many practical reasons to consider investing in compassionate claims coverage:
- Financial Support During Difficult Times: Life can be unpredictable, and the loss of a loved one can bring significant emotional and financial burdens. A policy with a compassionate claims clause ensures that your beneficiaries have access to additional financial support when they need it most. It can help manage the stress of funeral costs and provide a safety net during challenging times.
- Expedited Claims Process: Policies with compassionate claims clauses often have a streamlined and expedited claims process. When your beneficiaries need to make a compassionate claim, the insurance company recognises the urgency and expedites the assessment and payout process. This can be particularly crucial during times of immediate financial need, ensuring that your loved ones promptly receive the necessary funds.
- Peace of Mind: Policies with compassionate claims acknowledge the emotional and financial toll that certain life events can have and provide additional benefits to address those needs. Having a policy that includes compassionate benefits can give you peace of mind, knowing that your loved ones will be supported during challenging circumstances.
What’s The Difference Between Compassionate Benefits And Pusara Pro?
Compassionate benefits are usually associated with health insurance or disability insurance policies. They provide financial assistance or additional coverage in challenging personal circumstances, and are paid to the insured person or their family member directly, depending on the policy terms and conditions.
Pusara Pro is a term life takaful with a death benefit and compassionate benefit that can be used to cover funeral expenses. These are paid directly to the beneficiaries as listed by the participants before their passing.
How does the Ouch! Pusara Pro coverage work?
At Ouch!, we’ve made it easier than ever to understand your certificate and for your beneficiaries to claim the benefits when they need them.
The Compassionate Benefits clause under the Pusara Pro policy allows your beneficiaries to claim a 10% EXTRA of Total Sum Covered – within just 24 hours! Plus, the product is simple and easy to understand. No one wants to deal with complex jargon when they’re going through a tough time. It’s also very practical, with effortless document submission, and easily accessible right in the Ouch! mobile app.
And the best thing about the Pusara Pro? It’s on average 20% more affordable than similar coverage you’ll find anywhere else.
No one likes to imagine themselves in difficult circumstances. But that’s the point of takaful – to provide peace of mind and protect you and your loved ones when unexpected events occur. A policy with a compassionate claims clause offers an additional layer of support, ensuring that your loved ones have the financial resources and assistance to navigate these difficult times with greater ease.
Find out more about Pusara Pro by clicking here or download the Ouch! Takaful & Insurance app from the Google Play Store or Apple App Store today.
Disclaimer:
Please be aware that the information presented within our blog articles and/or by our esteemed brand ambassadors/KOLs is intended solely for the purpose of providing general insights. It should not be construed as legally binding in any manner. While we strive to maintain accuracy and currency, we do not guarantee the completeness, reliability, or suitability of the information shared.
For matters requiring legal validity or formal confirmation, we strongly advise referring to official certificates, authorized documentation, or pertinent sources. To ensure clarity and obtain authoritative guidance, please consider reaching out to an authorized Ouch! representative through our established communication platforms.