Home Takaful

Personal Banking - Bancatakaful
Strong homes are made with sound and secure policies – like our Home Takaful insurance

Home Takaful

Our Home Takaful Policy will indemnify you, the ‘insured’, against loss or damage to your home, its contents and your personal belongings.

Our policy covers loss or damage to insured property due to the following:

  • Fire and lightning;
  • Leakage of water from any tank, apparatus or pipes;
  • Explosion;
  • Storm and tempest;
  • Flood;
  • Impact by any road vehicle or animal;
  • Aircraft impact; and
  • Earthquake or volcanic eruptions. 

In addition, the policy also covers:

  • Accidental damage;
  • Theft;
  • Riot, strike, malicious damage;
  • Loss of rent/alternative accommodation;
  • Removal of debris;
  • Professional fees; and
  • Worldwide cover for personal belongings.


Home Takaful

What areas of ‘Fire and Special Perils’ does the Takaful Policy cover?

Our  Home Takaful covers the building, contents of your household and personal belongings (within the house – excluding cash, jewelry and valuables) due to fire, lightning,  riot, strike, malicious damage, earthquake, explosion, storm, tempest, flood,  impact due to aircraft (damages including own vehicles),  leakage of water from tanks, pipes and apparatus, and theft.

What is meant by ‘contents'?

Contents comprises of all household goods and personal effects that belong to you, including furniture and fittings that do not belong to the landlord.​

What is meant by 'personal belongings'?

Personal belongings include articles of personal use that are worn or carried by you.  For example: watches, mobile phones or laptops.​

What is the difference between ‘contents’ and ‘personal belongings’?

Contents are items that remain within the house, while personal belongings are items that can be carried outside the house.​

Does this policy cover the contents of my home from any loss or damage due to storm, flood, tempest (such as cyclones Gonu and Phet) or any other natural calamity?

Yes, the policy covers natural disasters such as floods, storms and earthquakes.​​

Which plan should I choose?

We recommend choosing a plan based on the value of your household contents and personal belongings; one that offers a level of coverage you feel is most appropriate.​​

As a tenant, will damage to my landlord’s property be covered?


Can I also have Takaful cover for my building?

Yes, if you own the building or apartment you wish to insure. This can be purchased with – or separately from – the standard plans offered.​

Can I start my Takaful cover today?

Yes, the Takaful cover can start immediately as soon as you pay the contribution.

How do I make a claim?

Visit Al Madina Takaful branches or call our toll free number and register the claims during the working hours, from 8:00 AM to 4.30 PM (Sunday to Thursday).

Critical illness

Critical problems demand crucial assistance – utilize our Critical Illness cover for your and your family’s added protection.

Critical Illness Cover is suitable for people who are concerned that they may not be able to meet their financial commitments or maintain a reasonable lifestyle if diagnosed with a critical illness.

If the policyholder is diagnosed with a medical condition listed within the policy document, the Takaful Company will make a lump sum cash payment to the policyholder, regardless of their life expectancy.

The most common illnesses included are cancer, heart attack, stroke, traumatic head injury and total permanent disablement.

Consideration should also be given to the fact that a large number of people will recover following diagnosis of a Critical Illness, which will result in a claim, and the sum assured being paid.  They may continue to lead a long, healthy lifestyle, whilst knowing their mortgage liability or other financial commitments or burdens are now taken care of, due to the lump sum payment.  Therefore, they may not require to continue working, or they will have the option to reduce their hours, or even change their occupation, to suit their new lifestyle.

What is Critical Illness?

Critical illness cover is an insurance product in which the insurer is contracted to typically make a lump sum cash payment if the policyholder is diagnosed with one of the specific illnesses, on a predetermined list, as part of an insurance policy.

How is Critical Illness better cover for protection against major illnesses than medical cover?

Under Critical Illness, once the member is diagnosed with one of the listed illnesses, the entire amount is paid as an advance before the start of treatment, unlike medical cover, where reimbursement is made to the policy holder when bills are submitted.

Why should I buy Critical Illness plan?

Critical illness cover pays for the following:

  • Cost(s) of care and/or treatment;
  • Recuperation aids;
  • Outstanding financial liabilities, typically mortgage; and
  • Unpaid respite time, whilst recovering from ill-health.

What major illnesses are covered under this plan?

  • Heart attack;
  • Coronary artery bypass;
  • Stroke;
  • Multiple sclerosis;
  • Parkinson’s disease;
  • Paralysis of limbs;
  • Kidney failure;
  • Major organ transplant;
  • Chronic end stage liver failure;
  • Permanent blindness; and
  • Cancer in situ.

How does the policyholder benefit from buying this cover?

The benefit of this cover is:

  1. Receiving upfront payment of entire sum assured, even before the start of treatment;
  2. Reduces financial stress;
  3. Option of treatment anywhere in the world; and
  4. Receiving assistance to plan for other crucial matters for self and family.

Does the policyholder have to do any medical tests before taking this scheme?

No, members do not have to perform any tests at hospital; only simple health declaration proposal form is required to be completed by the applicant.

What is the difference between Critical Illness and Terminal Illness?

Terminal Illness Insurance only pays the benefit where the life expectancy is less than 12 months at diagnosis, whereas Critical Illness Cover would typically make a lump sum payment if the policyholder is diagnosed with one of the critical illnesses listed in the insurance policy.

What is the age limit?

The attained age of a participant should be between 18 and 59 years at application (age next birthday). The policy will cease once the participant attains 60 years of age.

What is the Territorial limit in Critical Illness plan?

There is no territorial limit; it can be availed worldwide.

How does one apply for this Critical Illness cover?

A simple medical proposal form needs to be filled and signed/dated to initiate the cover.

Contact us

For any further information, please contact:

[email protected]
Reach us by post:
P.O Box 545, PC 116, Mina al Fahal

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Contact Details

In case of a claim, please contact our Madinah Takaful numbers to facilitate smooth settlement.

Saif Saleh Al Hashmi – 97930268
Sheikha Dawood Al Araimi – 97442038

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