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Takaful coverage of personal accident / personal / personal property.

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Concept & History SEJ
  • Group Term Takaful
  • Group Term Takaful Introduced in 1987 
  • 122222
Manager & Operator 123
  • Koperasi Angkatan 123 Tentera Malaysia Berhad (KATMB) - Manager
  • Great Eastern Takaful Berhad (GETB) - Operator
Eligibility 1234
  • Open to all regular members of Armed Forces of Malaysia, Civilian Employees of the Ministry of Defence, spouse of eligible members and the member of approved Agencies by Koperasi Angkatan Tentera Malaysia Berhad (KATMB) and the takaful operator.
Scope of Coverage 122
  • 24-hour protection worldwide (excluding non-recognized country by Malaysia) whether in duty or off-duty which covers death due to accident, illness or other causes and disability caused by accident (subject to the Master Certificate terms and conditions).

Scheme Benefits

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Death

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Permanent Disability

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Extended Coverage – Additional Accidental Benefit

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Scheme Benefits MANFAAT

1234445

A. Age Entry Limit 1234

i. Entry Age Eligible Limit : Below 55 years old 12233

ii. Apprentices and Royal Military College (MTD) : 16 years old & Above

iii. Regular members of Armed Forces of Malaysia, Cadet, Recruits and Junior Soldiers and others : 18 years old & Above

iv. Maximum Age of Coverage : Up to 65 years old

B. Health Status


  • Health status must be FE (Fit Everywhere).

  • Need to make declaration in the proposal form.

  • Healthy than persistent or recurrent illnesses and *exception diseases when signing the application.
  • *exception diseases – please refer to the STBATM Guidebook.

C. Spouse


  • Spouse can participate in the scheme provided that the Eligible Member must participate in the scheme.

  • Spouse’s unit coverage and/or Sum Covered should not exceed the Eligible Member’s unit coverage and/or Sum Covered.

  • The spouse may continue in the scheme after the death of the Eligible Member provided the payment of the contribution shall continue to be made 6 months or 12 months.

A. Age Entry Limit

i. Entry Age Eligible Limit : Below 55 years old

ii. Apprentices and Royal Military College (MTD) : 16 years old & Above

iii. Regular members of Armed Forces of Malaysia, Cadet, Recruits and Junior Soldiers and others : 18 years old & Above

iv. Maximum Age of Coverage : Up to 65 years old

B. Health Status


  • Health status must be FE (Fit Everywhere).

  • Need to make declaration in the proposal form.

  • Healthy than persistent or recurrent illnesses and *exception diseases when signing the application.
  • *exception diseases – please refer to the STBATM Guidebook.

C. Spouse


  • Spouse can participate in the scheme provided that the Eligible Member must participate in the scheme.

  • Spouse’s unit coverage and/or Sum Covered should not exceed the Eligible Member’s unit coverage and/or Sum Covered.

  • The spouse may continue in the scheme after the death of the Eligible Member provided the payment of the contribution shall continue to be made 6 months or 12 months.

A. Age Entry Limit

i. Entry Age Eligible Limit : Below 55 years old

ii. Apprentices and Royal Military College (MTD) : 16 years old & Above

iii. Regular members of Armed Forces of Malaysia, Cadet, Recruits and Junior Soldiers and others : 18 years old & Above

iv. Maximum Age of Coverage : Up to 65 years old

B. Health Status


  • Health status must be FE (Fit Everywhere).

  • Need to make declaration in the proposal form.

  • Healthy than persistent or recurrent illnesses and *exception diseases when signing the application.
  • *exception diseases – please refer to the STBATM Guidebook.

C. Spouse


  • Spouse can participate in the scheme provided that the Eligible Member must participate in the scheme.

  • Spouse’s unit coverage and/or Sum Covered should not exceed the Eligible Member’s unit coverage and/or Sum Covered.

  • The spouse may continue in the scheme after the death of the Eligible Member provided the payment of the contribution shall continue to be made 6 months or 12 months.

A. Age Entry Limit

i. Entry Age Eligible Limit : Below 55 years old

ii. Apprentices and Royal Military College (MTD) : 16 years old & Above

iii. Regular members of Armed Forces of Malaysia, Cadet, Recruits and Junior Soldiers and others : 18 years old & Above

iv. Maximum Age of Coverage : Up to 65 years old

B. Health Status


  • Health status must be FE (Fit Everywhere).

  • Need to make declaration in the proposal form.

  • Healthy than persistent or recurrent illnesses and *exception diseases when signing the application.
  • *exception diseases – please refer to the STBATM Guidebook.

C. Spouse


  • Spouse can participate in the scheme provided that the Eligible Member must participate in the scheme.

  • Spouse’s unit coverage and/or Sum Covered should not exceed the Eligible Member’s unit coverage and/or Sum Covered.

  • The spouse may continue in the scheme after the death of the Eligible Member provided the payment of the contribution shall continue to be made 6 months or 12 months.

A. Age Entry Limit 1234

i. Entry Age Eligible Limit : Below 55 years old 1234

ii. Apprentices and Royal Military College (MTD) : 16 years old & Above

iii. Regular members of Armed Forces of Malaysia, Cadet, Recruits and Junior Soldiers and others : 18 years old & Above

iv. Maximum Age of Coverage : Up to 65 years old

B. Health Status


  • Health status must be FE (Fit Everywhere).

  • Need to make declaration in the proposal form.

  • Healthy than persistent or recurrent illnesses and *exception diseases when signing the application.
  • *exception diseases – please refer to the STBATM Guidebook.

C. Spouse


  • Spouse can participate in the scheme provided that the Eligible Member must participate in the scheme.

  • Spouse’s unit coverage and/or Sum Covered should not exceed the Eligible Member’s unit coverage and/or Sum Covered.

  • The spouse may continue in the scheme after the death of the Eligible Member provided the payment of the contribution shall continue to be made 6 months or 12 months.

A. Age Entry Limit 12345

i. Entry Age Eligible Limit : Below 55 years old 12345

ii. Apprentices and Royal Military College (MTD) : 16 years old & Above

iii. Regular members of Armed Forces of Malaysia, Cadet, Recruits and Junior Soldiers and others : 18 years old & Above

iv. Maximum Age of Coverage : Up to 65 years old

B. Health Status


  • Health status must be FE (Fit Everywhere).

  • Need to make declaration in the proposal form.

  • Healthy than persistent or recurrent illnesses and *exception diseases when signing the application.
  • *exception diseases – please refer to the STBATM Guidebook.

C. Spouse


  • Spouse can participate in the scheme provided that the Eligible Member must participate in the scheme.

  • Spouse’s unit coverage and/or Sum Covered should not exceed the Eligible Member’s unit coverage and/or Sum Covered.

  • The spouse may continue in the scheme after the death of the Eligible Member provided the payment of the contribution shall continue to be made 6 months or 12 months.